Moving your household items, electronics, and vehicles across Indian highways involves inherent risks like unpredictable road conditions, severe monsoons, and highway traffic accidents. To protect your hard-earned assets against financial loss, securing professional Transit Insurance is essential. At Apna Cargo & Movers, we operate under ISO 9001:2015 standards and provide 100% transparent insurance options for every relocation.
1. What Is Packers & Movers Transit Insurance?
Transit Insurance is a specialized marine cargo policy underwritten by leading national insurance firms. It covers damages, breakage, or total loss of household goods, furniture, electronics, and vehicles while in transit between your origin and destination doorstep.
2. Transit Insurance (1.5%) vs Full-Goods Protection (3%)
| Policy Feature | Transit Insurance (1.5%) | Full-Goods Coverage (3%) |
|---|---|---|
| Highway Vehicle Collision | Covered | Covered |
| Fire & Overturning Accidents | Covered | Covered |
| Handling & Individual Item Breakage | Not Covered | Fully Covered |
| Recommended For | Intercity long-distance trucking | Glassware, electronics & high-value moves |
3. What Risks Are Covered?
- Accidental Collisions & Overturning: Damage caused if the transit vehicle meets with a highway accident.
- Fire, Explosion & Lightning: Protection against accidental truck fire or lightning hazards.
- Flooding & Water Ingress: Damage from heavy monsoon rains leaking into truck containers.
- Hijack & Theft: Total loss compensation in cases of verified highway robbery or truck theft.
4. What Is NOT Covered? (Exclusions)
Insurance policies strictly exclude the following items per Indian logistics regulations:
- Cash, currency notes, gold jewelry, and precious stones.
- Pre-existing scratches or internal electronic failure without external physical damage.
- Perishable food items, plants, and hazardous liquids (pesticides, petrol, fireworks).
- Items packed by the customer themselves (Self-Packing Damage).
5. 3-Step Fast Claim Settlement Process
- Inspection on Unloading: Note any visible box damage on the Lorry Receipt (LR) copy during unloading alongside our supervisor.
- Digital Claim Ticket Registration: Upload photos/videos of damaged items on our official Claims & Feedback portal (
/claims-feedback) within 48 hours. - Surveyor Verification & Payout: Our insurance surveyor assesses the claim within 3 business days, and verified compensation is transferred directly to your bank account.