Informational
📅 March 28, 2026
⏱️ 7 min read
✍️ Written by
Mr. Anand Verma
Founder & Chairman · 28 years experience
Founder of Express Gati Packers and Movers (1998). 28 years in logistics and relocation. Member of IBA (Indian Banks' Association) Executive Committee on logistics standards.
Expertise: Logistics, Industry Strategy, Customer Trust
✅ Fact-checked by
Mr. Anil Kumar Sharma
Senior Editor · Express Gati Editorial Team
📅 Published
March 15, 2026
🔄 Last Updated
April 24, 2026
🛡️ This article reflects Express Gati's serving customers since 1998 of relocation expertise. All claims are verified against industry standards (IBA, GST, IRDAI).
📊 Based on Real Data:
Insights in this article are drawn from Express Gati's serving customers since 1998 of relocation operations, 38,000+ completed moves, and customer feedback database — not theoretical or general industry information.
Goods-in-Transit (GIT) Insurance — Everything You Should Know
Before booking, review the insurance policy, exclusions, claim deadlines, and required documents. Keep the written quote, inventory, delivery record, and any evidence needed to support a claim.
What is GIT Insurance?
Before booking, review the insurance policy, exclusions, claim deadlines, and required documents. Keep the written quote, inventory, delivery record, and any evidence needed to support a claim.
What Does GIT Insurance Cover?
- Confirm the service scope and terms before booking.
- Road Accidents: Collision, overturning, truck damage
- Theft & Burglary: FIR mandatory — full claim processing after police report
- Water Damage: Flood, river crossing, heavy rain, container leakage
- Confirm the service scope and terms before booking.
- Earthquake & Natural Disasters: Most policies cover if transit through affected area
- Riots & Civil Unrest: Coverage during political disturbances
What is NOT Covered?
Standard Exclusions:
- Pre-existing damage (noted in condition report)
- Normal wear and tear during handling
- Self-packed items (unless professional re-packing certified)
- Perishable goods (food, plants, temperature-sensitive)
- Cash, jewelry, important documents (carry personally)
- Consequential losses (business interruption, emotional damage)
- Damage due to inherent defect (e.g., old furniture breaks due to age)
- War, nuclear risks, terrorism (special riders needed)
- Delay-related losses (missed events, rental costs)
Types of GIT Insurance Coverage
1. Standard Coverage (Included by Reputable Movers)
- Coverage limit: Up to ₹10 lakh
- Premium: Included in quote (no extra cost)
- Ideal for: Standard household moves
- Claim limit: Actual value or ₹10 lakh, whichever lower
2. Declared Value Coverage (DVC)
- Coverage limit: Customer-declared value of goods
- Premium: 2-3% of declared value
- Ideal for: High-value items (₹10+ lakh)
- Requires: Detailed inventory list with values, photos
- Claim: Full declared value if total loss
3. All-Risk Cover
- Coverage: Widest protection — includes mysterious disappearance
- Premium: 3-5% of declared value
- Ideal for: Antiques, artwork, irreplaceable items
- Typical for: International moves, corporate relocations
Pricing Breakdown — What Insurance Actually Costs
| Goods Value | Standard Coverage | Declared Value (2.5%) | All-Risk Cover (4%) |
|---|---|---|---|
| ₹5 lakh | Included | ₹12,500 | ₹20,000 |
| ₹10 lakh | Included | ₹25,000 | ₹40,000 |
| ₹20 lakh | Not enough | ₹50,000 | ₹80,000 |
| ₹50 lakh | Not enough | ₹1,25,000 | ₹2,00,000 |
How Claim Process Works
- Damage Reporting: Within 24 hours of delivery. Call mover's claims desk + email with photos.
- Documentation: Photos of damage, original quote, delivery receipt, condition report.
- Survey: Insurance company appoints surveyor for on-site inspection (within 7 days).
- Quotation: Get repair or replacement quotes from 2-3 vendors.
- Claim Submission: All documents submitted to insurer through mover's claims desk.
- Settlement: Average 15-30 working days. Payment via NEFT or DD.
Pro Tip: Reputable movers (like Express Gati) have dedicated claims teams who liaise with insurers on your behalf — you don't need to fight insurance companies alone.
How to Verify Your Insurance Coverage
- Ask for written insurance certificate with policy number
- Verify insurer name (should be recognized — New India, United India, ICICI Lombard, HDFC ERGO, Oriental)
- Check policy validity dates cover your entire move period
- Read coverage amount and exclusions clause
- Keep a copy of insurance certificate
- Call insurer helpline to verify policy authenticity (takes 5 minutes)
Insurance Red Flags to Avoid
- ❌ "Insurance included" without written proof
- ❌ Verbal promises only
- ❌ Policy number not shared
- ❌ Unknown/unregistered insurers
- ❌ "In-house insurance" (not a thing — must be licensed insurer)
- ❌ Certificates generated after the move
- ❌ Coverage amount suspiciously low vs goods value
Express Gati Packers Insurance Partnerships
Before booking, review the insurance policy, exclusions, claim deadlines, and required documents. Keep the written quote, inventory, delivery record, and any evidence needed to support a claim.
- New India Assurance: Primary partner for GIT policies up to ₹10 crore
- United India Insurance: Comprehensive transit coverage
- ICICI Lombard: Commercial moves, corporate clients
- HDFC ERGO: International relocations
- Oriental Insurance: Additional capacity partner
FAQs
1
Is GIT insurance legally required?+
Before booking, review the insurance policy, exclusions, claim deadlines, and required documents. Keep the written quote, inventory, delivery record, and any evidence needed to support a claim.reputable packers include it by default. Self-opt-out possible but strongly discouraged. For interstate moves, insurance is practically essential.
2
Can I buy my own insurance instead of relying on mover's?+
Yes, but complicated. Direct GIT policies for individuals require detailed inventory, declarations. Simpler to use mover's policy. However, for very high-value moves (₹50+ lakh), dual coverage (mover's + personal) provides extra protection.
3
What if only part of my goods are damaged?+
Partial claims fully supported. Insurer pays for affected items only — not full coverage amount. Repair vs replacement decided based on economic viability. You keep undamaged items, get compensation for damaged ones.
4
How long does claim settlement actually take?+
Express Gati's average: 15-20 working days from complete documentation submission. Simple claims (minor damage, clear documentation): 7-10 days. Complex claims (high value, disputed damage): 30-45 days. Cooperation in providing documentation speeds up process significantly.
Need a quote with transparent insurance details?
📞 +91 88263 03770 — Get written insurance certificate with your quote
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