Annual Goods-in-Transit Insurance for Malaysian Businesses

Protect your goods while they are being transported by road nationwide with comprehensive annual coverage.

Whether you operate your own lorries, manage a delivery fleet, or transport customers’ goods, Goods-in-Transit Insurance protects you against loss or damage during transit — giving you peace of mind on every journey.

Worker checking goods into delivery truck for goods-in-transit insurance coverage in Malaysia

WHAT IS ANNUAL GOODS-IN-TRANSIT INSURANCE?

Annual Goods-in-Transit Insurance provides continuous protection for goods while they are being transported by land throughout the policy year. It covers loss or damage caused by accidents, theft, fire, overturning, and other insured events during transit.

Unlike single-trip insurance, an annual policy is designed for businesses that make frequent deliveries, allowing you to operate without arranging insurance for each trip.

This policy is especially suitable for:

  1. Businesses with daily or regular deliveries
  2. Companies transporting own/customers’ goods
  3. SMEs distributing products nationwide

WHO NEEDS THIS COVER?

  • Retailers and wholesalers
  • Manufacturers delivering own products
  • Courier and delivery operators
  • Logistics and distribution businesses
  • Haulage & transport companies

If your business is legally responsible for goods while in transit, this insurance is essential.

What's Covered in Goods-in-Transit Insurance?

Main Coverage Includes

  • Loss or damage due to road accidents
  • Theft during transit
  • Fire or explosion
  • Vehicle overturning or collision
  • Loading and unloading risks

Important Exclusions

  • Improper packing or inadequate securing of goods
  • Delay, loss of market, or consequential loss
  • Wear and tear, deterioration, or inherent vice
  • Mechanical or electrical breakdown
  • Illegal or prohibited goods

HOW ANNUAL GOODS-IN-TRANSIT WORKS

Set Up Your Policy

We assess your transport patterns, routes, fleet details, annual carrying value and cargo types to create your custom annual policy with competitive premium rates.

Move with Automatic Coverage

Every transport falling within your policy terms is automatically insured. No need to notify us for each transport unless it's an unusual or exceeded the per conveyance limit.

Annual Declaration

Simply submit an annual declaration of transport value upon insurance renewal.

Ready to Simplify Your Transit Insurance?

What We Need to Quote Your Annual Cover:

  • Type of goods transported
  • Estimated annual carrying value
  • Maximum value per conveyance
  • Packaging type (cartons/pallets etc)
  • Vehicle details
  • Loss history (if any)
GetAnnual Goods-in-Transit Quote
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Frequently Asked Questions

Yes, you can insure single or multiple vehicles under one policy

Both options can be insured. This is especially useful for SMEs that reply on outsource logistics.

The sum insured is usually based on maximum value of goods carried per vehicle.

Yes, loading and unloading risks can be included, subject to policy terms.

In the event of a loss, notify us immediately.

Secure the goods and prevent further damage

Lodge police report (for theft or hijacking)

Provide supporting documents (invoice, delivery order, photos)

We will assist you throughout the claims process.

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