Stock in transit insurance for tradespeople
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Moving stock and spare items between jobs comes with its own risks. Our stock in transit insurance can provide cover for eligible stock and spares in your custody and control while they're being transported, loaded or unloaded.
Stock in transit cover is available as an optional extension on our Classic and Plus policies, with cover levels from £1,000 to £5,000.
Stock in transit insurance is designed for stock and spare items you're responsible for while they're being transported as part of your work. For tradespeople, that could mean moving materials or spare items between jobs rather than leaving them at a fixed business premises.
Our stock in transit cover is an optional extension on our Classic and Plus policies.
When added to your policy, it provides 24-hour cover for loss of or damage to eligible stock and spares.
In your vehicle
Stock can be covered while it's in your van, or in another vehicle that you own or are operating.
While parked
The cover can apply while your stock is in the vehicle and parked.
While in transit
Your stock can remain covered while you're transporting it between locations.
During loading
Cover can apply while stock is being loaded into your vehicle.
During unloading
Cover can also apply while you're taking stock out of your vehicle.
24-hour cover
When added to your policy, stock in transit insurance provides 24-hour cover for eligible loss of or damage to stock and spares.
Cover levels range from £1,000 to £5,000, with a £100 excess applying to this additional cover.
Always check your policy wording for the full terms, conditions and exclusions that apply.
When stock is on the move, there's more that can go wrong. An accident could leave you with damaged or missing items – and without suitable cover, your business could be responsible for replacing them.
Stock in transit insurance can help protect your business against unforeseen costs if an insured event results in a claim.
It can be particularly relevant if you:
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Carry stock between different jobs
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Transport spare items for customers
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Regularly load and unload materials
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Keep stock in your vehicle while travelling between locations
Stock in transit cover isn't a legal requirement, but some customers or contractors may have their own insurance requirements.
Stock in transit cover
Covers eligible stock and spares you're responsible for while they're being transported, loaded or unloaded.
Tools cover
Tools cover is for your insured tools and equipment. It's separate from cover for eligible stock and spare items.
Public liability insurance
Public liability insurance can protect your business if someone claims your work caused them an injury or damaged their property.
Stock in transit cover is different. It applies to eligible stock and spares while you're transporting or handling them as set out in your policy.
Van insurance
Van and fleet insurance cover the vehicle itself. Stock in transit cover relates to the eligible items you're carrying.
How much stock in transit cover do you need?
The amount of stock you carry can vary from job to job. When choosing your cover, it can be helpful to base it on the value of eligible stock and spare items you're likely to have with you at any one time.
Things to think about include:
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The value of the stock you regularly transport
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The value of spare items you carry between jobs
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Whether you regularly move larger quantities of stock
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Any insurance requirements set by customers or contractors
We offer stock in transit cover from £1,000 to £5,000.
How to get stock in transit cover
Adding stock in transit cover is straightforward, whether you're taking out a new policy or already have cover with us.
If you’re taking out a new policy
When you get a new quote, you can add stock in transit cover if you choose a Classic or Plus policy.
If you already have a policy
Already insured with us? Contact our team if you'd like to add stock in transit cover to your existing policy.
Cover begins from the date you select when taking out the additional cover, subject to the policy terms and conditions.
Get your stock in transit insurance quote today
Want extra cover for eligible stock and spares while you're working? Add stock in transit cover to your insurance on a Classic or Plus policy.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Stock in transit cover from £1,000 to £5,000
✔ 24-hour cover when added to your policy
✔ £100 excess applies
✔ UK-based expert telephone support
✔ Fast online quote experience
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