Goods in Transit (GIT) Insurance
Protect Your Cargo. Secure Your Business.
Transporting goods exposes your business to risks such as theft, accidents, fire, and damage during transit. Whether by road, rail, or inland waterways, unexpected losses can disrupt operations and affect profitability.
At Advanced Insurance Agency Limited, we provide reliable Goods in Transit (GIT) Insurance to protect your cargo while it is being transported.
What is Goods in Transit Insurance?
Goods in Transit Insurance covers loss or damage to goods while they are:
- Being transported by road
- Loaded or unloaded
- Temporarily stored during transit
- Delivered to customers
This cover ensures that your business does not suffer financial loss due to unforeseen transit risks.
Who Needs Goods in Transit Cover?
GIT insurance is essential for:
- Transport and logistics companies
- Manufacturers
- Wholesalers and distributors
- Retail chains
- Construction companies
- Courier companies
- Importers and exporters (inland movement)
If your business moves goods from one location to another, this cover is highly recommended.
What Does the Policy Cover?
1. Road Accidents
Damage resulting from collision, overturning, or fire.
2. Theft & Hijacking
Loss due to armed robbery or theft during transit.
3. Fire Damage
Loss or destruction caused by fire.
4. Loading & Unloading Risks
Damage occurring while goods are being loaded or offloaded.
5. Malicious Damage
Intentional damage by third parties.
Types of Goods in Transit Cover
1. Single Transit Cover
For one specific shipment.
2. Annual/Open Cover
For businesses that transport goods frequently.
3. Own Goods Cover
For businesses transporting their own stock.
4. Third-Party Carrier Cover
For transporters moving goods on behalf of clients.
We help structure the right policy based on your operations.
What is Not Covered?
- Ordinary wear and tear
- Poor packaging
- Delay-related losses
- Inherent defects in goods
- War and terrorism (unless extended)
We guide you to ensure compliance with policy terms.
How Premiums Are Determined
Premiums are based on:
- Nature and value of goods
- Mode of transport
- Transit routes
- Security measures
- Claims history
- Annual turnover (for open cover policies)
We negotiate competitive rates tailored to your risk profile.
Why Choose Advanced Insurance Agency Limited?
✔ Access to reputable insurers
✔ Competitive and flexible premiums
✔ Quick policy issuance
✔ Professional claims assistance
✔ Risk advisory support
✔ Customized cover options
We ensure your goods are protected every step of the way.
Why GIT Cover is Important
Without Goods in Transit insurance:
- You may bear full financial loss
- Customer relationships may suffer
- Cash flow may be disrupted
- Business continuity may be affected
GIT cover provides financial protection and operational confidence.
Click To Call: 0722494303
Frequently Asked Questions (FAQs)
1. Is Goods in Transit Insurance mandatory in Kenya?
It is not mandatory by law but highly recommended for businesses transporting goods.
2. Does the policy cover theft by drivers?
Theft by employees may require an additional Fidelity Guarantee extension.
3. Are goods covered overnight?
Yes, provided overnight parking complies with insurer security requirements.
4. What happens if goods are partially damaged?
The insurer compensates based on the extent of damage and policy terms.
5. Can I insure high-value goods?
Yes, high-value goods can be covered, subject to insurer approval and premium adjustment.
6. Does GIT cover international shipping?
Inland transit is covered under GIT. International shipping requires Marine Cargo Insurance.
7. How quickly can a policy be issued?
Coverage can be arranged promptly once shipment details and values are provided.
Get Covered Today
Move Your Goods with Confidence
Protect your cargo and safeguard your revenue with comprehensive Goods in Transit Insurance from Advanced Insurance Agency Limited.