Transit Insurance for Household Goods
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Why is Insuring Your Household Articles Important during Transit?

When moving to a new home, safeguarding your household articles during transit is crucial. Transit insurance provides complete coverage for your belongings, protecting against accidents, theft, damage, and other unforeseen events. In comparison, while packers and movers may offer promises of coverage, relying solely on their protection may leave you vulnerable to financial losses. Opting for transit insurance ensures comprehensive and reliable protection for your household goods throughout the relocation process.

Transit Insurance to Protect Your Household Articles during Transportation

Transit insurance is designed to provide coverage against different transit risks such as accidents, fire, theft and certain other types of losses specified in the insurance policy.

Most of the time, packers and movers give transit insurance that provides coverage of your household articles such as furniture and home appliances against damage due to transit or during storage.

The premium of this marine insurance policy provided by the packers and movers is as per the value of the goods you have declared and the amount of risk that you can bear for your goods that are in transit.

This type of insurance policy may or may not provide coverage related to handling aspects of the articles while unloading or loading or for the household articles that are in storage.


Even if you have hired the most professional movers and packers for safely relocating your valuable household articles, then also they are exposed to damage, accidents, and theft. All these unfortunate happenings warn you to opt for the most suitable transit insurance policy for a home relocation.

However, on the other hand, a transit insurance policy provides cover against the financial losses related to your household articles from the point they are getting loaded at the origin until it reached and unloaded safely at the destination.

Diversely a transit insurance policy is known as Single Voyage Policy or Marine Inland Transit Policy that offers two types of covers.

  • Inland Transit (Road or Rail) A: It is an all-risk cover policy.
  • Inland Transit (Road and Rail) B: It provides basic cover for some restricted risks.

These policies do not provide coverage for any oceangoing voyage or out of India transits.

Learn more about Marine Insurance

Here’s Why Insuring Household Articles Is Important

The reasons for or importance of insuring your valuable household items while relocating to a new place are mentioned below:

It is a policy of ‘Short Duration’-

A transit insurance policy is a short duration policy wherein the coverage starts from the time your goods leave the place that is mentioned in the policy to the outset for the transit and continues until the normal course of transit, which includes customary trans-shipment if occur any until the item is delivered to the final destination or warehouse that is mentioned in the policy. So, we can easily avail of this policy while shifting our household items.  

For instance, suppose you like to send a consignment valued Rs. 25 lakhs from Mumbai to Chennai. The premium that you have to pay for basic cover will be approximately Rs.3,200 and if you add cover for flood, strike, civil commotion, and riots, then you may have to pay approximately Rs.600 extra for the same. 

While inland transit policy A covers all risks except the rainwater damages, Inland transit B covers basic accidental damages.

Note: To learn about the coverages and exclusions in detail, read your policy documents carefully before purchasing.

The Final Words!

As per the insurance policy, you being insured, have to make all the necessary efforts to minimize your losses and hence help the transit insurance company to pursue any reimbursements or recoveries of your losses. Generally, there is an excess of approximately 0.50% or a minimum of Rs. 5,000 on each claim you make. The reason for the same is clear which is at least you can purchase a new Television if your old TV is damaged during transit  

Written By: PolicyBazaar - Updated: 12 April 2024

Marine Insurance Premium Calculator

Select Commodity

  • New machinery machine tools & spares in closed ISO containers
  • Solar panel
  • Machinery machine tools & spares duly packed/lashed
  • Electronic & white goods
  • New machinery machine tools & spares in closed ISO containers
  • Solar panel
  • Machinery machine tools & spares duly packed/lashed
  • Electronic & white goods
  • New machinery machine tools & spares in closed ISO containers
  • Solar panel
  • Machinery machine tools & spares duly packed/lashed
  • Electronic & white goods

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Policybazaar for Business - Marine Insurance - Customer Reviews
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Based on 114 reviews
out of 5
Based on 114 reviews
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3.8 April 20, 2023
Great Experience
I recently purchased Marine insurance from Policybazaar for my shipping business and I must say I am thoroughly impressed with their service and coverage. From start to finish, the experience has been smooth and hassle-free.Thankyou.
4.3 April 03, 2023
Provides Comprehensive Protection
When it comes to coverage, Marine insurance that i bought from PolicyBazaar has exceeded my expectations. It provides comprehensive protection for my cargo and vessels during transit, ensuring I can focus on my business operations with peace of mind. Thankyou.
4.3 March 17, 2023
Excellent Services
I highly recommend Marine insurance from PolicyBazaar website to anyone in the shipping or logistics industry. Their user-friendly website, comprehensive coverage, and excellent customer service make them stand out from the competition. With Policybazaar, I feel confident in navigating the high seas, knowing that my business is well-protected. Thank you, Policybazaar.
4.3 February 28, 2023
User Friendly Interface
The website's user-friendly interface made it easy to compare different plans and find the perfect fit for my business needs.Thanks
4.3 February 11, 2023
Prompt Services
I appreciate the transparency and honesty with which Policybazaar handled my claims. They were prompt in processing my claim and their claim settlement process was hassle-free.Thanks PolicyBazaar.
3.8 February 10, 2023
Exceeds Expectations
I recently had the pleasure of purchsing marine insurance from Policy bazaar website and I must say it has been an outstnding experience from start to finish. I am thrilled to share my positive customer review, as this truly exceeded my expectations. Thanks PB.
3.8 January 31, 2023
Easy Navigation
The ease of navigating the Policy bazaar website and finding the right marine insurance policy was impressive. The website's user-friendly interface and intuitive design made it incredibly simple to compare various options, understand the coverage details and make an informed decision. I appreciated the transparency provided throughout the process. Thanks.
3.8 January 21, 2023
Excellent Support
The customer service provided by Policy bazaar was decent. Their team was responsive, knowledgeable and went above and beyond to assist me at every step. Their professionalism and commitment to customer satisfaction were truly commendable.Thankyou.
4.3 January 11, 2023
Sanjeev Rathor
Efficient Process
When it came to claims processing, Policy bazaar demonstrated remarkable eficiency and effectivenes. I had an unfortunate incident during the coverage period and filing a claim was a breeze. The entire process was streamlined and their team guided me throuugh every necssary step, making it hassle-free. The promptness with which my claim was setled reflected their commitment to their customers' well-being and peace of mind. Thankyou.
3.8 January 01, 2023
Comprehensive Coverage
I must mention the comprehensive coverage provided by the marine insurance policy I purchasd through Policy bazaar. It offered me the necesary protection and peace of mind. Thankyou PolicyBazaar.