Goods in Transit Insurance

Your goods are protected in transit, where you're hauling them for your own account

Goods in Transit Insurance

Your goods are protected in transit, where you're hauling them for your own account

Goods in transit insurance protects your load against theft or damage if you're travelling around with a significant amount of capital equipment and merchandise in your vehicle. Recommended for tradespeople (such as plumbers, joiners and electricians) and delivery services (like drinks deliveries). This insurance applies during transport for your own account.

What does the insurance include?

  • Damage to the goods being transported in the event of a traffic accident
  • Fire, explosion or fire-extinguishing operations
  • Vandalism
  • Forces of nature
  • Theft (optional cover)

The insurance covers goods located in the insured vehicle, i.e. a light commercial vehicle

  • during transport for your own account in Belgium and up to 150 km outside Belgium
  • while parked at the policyholder's address, at the private address, at the delivery address or at the location where you perform work on site
  • while making an unscheduled stop lasting no longer than two hours

What does the insurance not include (main exclusions)?

  • Damage to the vehicle itself
  • Damage caused by overloading or the poor state of the vehicle
  • Theft from the passenger compartment
  • Goods such as securities, fuels, jewels, animals
  • Damage not rendering equipment inoperable

Additional things you must be aware of

  • Goods in transit insurance is a type of property damage insurance.
  • This product is governed by the laws of Belgium.
  • Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than three months before the main renewal date.
    For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them.

  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Insurance Ombudsman, which serves the whole industry, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as. Your right to raise legal proceedings is not affected.

For a KBC Goods in Transit Insurance policy quote, please contact your KBC insurance intermediary.

Please refer to the product fact sheet for a concise description of the cover and the most important exclusions, as well as other useful information.

Make an appointment at KBC

Select an appointment type
Find the nearest branch
Pick a time that suits you and enter your personal details

Related products

Legal assistance insurance

If your business inflicts damage on others (outside your business), you will have to compensate them. KBC Legal Assistance Insurance covers you in this situation.

Professional Liability Insurance

What if you have to pay compensation or incur legal expenses because you or one of your employees commits a professional error? KBC Professional Liability Insurance covers both you and your business: we pay those amounts for you. Find out all about it.

Ten-year liability insurance

If you are a contractor or an architect, you may be required by law to take out ten-year liability insurance to make sure your third-party liability is covered for the next ten years.

Third-party liability for your business

Doing business can lead to losses and damage for which you can be held liable. This policy insures you in the event that someone files a claim against you.