Business insurance
Goods-in-Transit Insurance in Ghana
Cover for your goods while they move by road.
In brief
Goods-in-Transit (GIT) insurance covers your stock, materials and products against loss or damage while they are carried by road — in your own vehicles or by a carrier — between locations within Ghana.
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Goods-in-Transit is priced by an underwriter for your needs. Tell us about it and we’ll prepare a firm quote.
Request a quote →What’s covered
- Loss or damage in transit by road
- Fire, collision and overturning
- Theft of goods from the vehicle
- Own-fleet and hired carrier transits
- Loading and unloading risks
- Cover throughout Ghana
What’s not covered
- Inadequate or unsuitable packing
- Ordinary leakage or loss in weight
- Goods carried outside the agreed area
- Consequential loss and delay
- Money and bullion (use cash-in-transit)
Who it’s for — Distributors, wholesalers, manufacturers, retailers and hauliers who move stock or materials by road between suppliers, warehouses and customers.
What does goods-in-transit insurance cover?
GIT covers your goods against accidental loss or damage in transit — including fire, collision, overturning of the carrying vehicle, and theft — from the moment they are loaded until they are delivered. Cover applies to carryings in your own fleet or by hauliers you engage, and limits can be set per vehicle and per transit.
How is it different from marine cargo?
Marine cargo typically covers international shipments by sea or air; goods-in-transit covers inland road movements within Ghana. Businesses that both import and distribute often hold both: marine to bring goods into the country and GIT to move them around it.
FAQs
Frequently asked questions
Does GIT cover goods carried by a third-party haulier?
Is theft covered?
What is the difference from marine insurance?
Need to make a claim?
We pay valid claims, fairly and quickly. See the four steps and the documents you’ll need.
With Provident, you’re covered
Get an indicative quote now, or talk to an agent at any of our 11 branches.