We deal with many clients from large companies to smaller sole traders and owner drivers and from our many discussions with them we are able to understand both their individual needs in respect of arranging insurance cover and also the issues which they face in business on a day to day basis.

One of the key areas where our clients tell us they face challenges in the ever increasing cost of running their business and also the mountains of legislation they are faced with. A key area is the constantly changing employment law requirements.

Most clients are facing challenges imposed by the economic environment within the UK at present and they expend most of their time and energy in ensuring the continuity and growth of their business, so have little time to ensure they are abreast of the latest employment law developments.

There are a number of employment law service providers who have developed products to assist with employment matters such as how to deal with a troublesome employee or what they should do if they are faced with a tribunal claim.

Many of the schemes can provide a 24 hour advice line, available 365 days a year in many cases, which provide employers with legally compliant employment documentation and even offer schemes which can even fund the costs of awards made against businesses.

Whilst this area is unlikely to be a high priority in view of the many issues facing customers during the current business environment it could prove to be one of the most valuable business tools should an employment problem occur.

Isis Insurance would be happy to discuss the products available to businesses along with the wide range of cover for HGV insurance and Haulage insurance both in respect of vehicles Liability and goods in transit insurance covers.

We aim to take the time to understand your needs and arrange appropriate cover to suit your individual requirements.

As with most forms of cover goods in transit insurance comes in many shapes and sizes and customers will operate under different conditions of carriage dependant on the type of goods carried and also the journey undertaken.

Many hauliers will carry loads under the Road Haulage Association (RHA) conditions, and if goods are carried outside the UK into Europe, or if they begin their journey into the UK from Europe then these goods will possible need to be covered under the CMR convention.

However, hauliers or couriers with smaller vehicles operating within the UK only and requiring goods in transit cover for smaller loads may simply operate under what is termed “full responsibility” cover.

Cover under each of the different options is clearly defined but most customers will require some specialist advice to ensure that the cover arranged is suitable for their individual needs.

Isis Insurance Services have many years experience in arranging goods in transit insurance and are able to discuss clients individual requirements with them to ensure the cover arranged meets their individual requirements.

We are not a call centre so when you call us you will get straight through to a goods in transit insurance adviser who will be able to discuss the cover and terms available to you.

The needs of each individual client need to be assessed carefully when arranging goods in transit insurance to ensure that the appropriate cover is in force.

The carriage and distribution of goods are governed by a number of conventions which affect the level of liability that the carrier may have and these vary dependant on the goods being carried or shipped and most importantly the point at which the goods began their journey and final destination.

Cover offered by insurers will vary dependant on the insurers concerned but in the main insurers offer cover to meet the convention or conditions that each individual client operates under.

As an example much of the haulage traffic within the UK is carried under the Road Haulage Association conditions, which provides limits of indemnity to goods carried to an agreed sum per ton.

 However goods carried outside of the UK into Europe will normally be carried under CMR (Convention on the Contract for the International Carriage of Goods by Road) which provides a monetary limit.

In addition goods which are transported by methods other than road transport, such as air or sea movements, will need to be covered for the different risks which these methods of transport expose the goods to.

Isis insurance has many years experience in arranging goods in transit insurance for small couriers, larger hauliers or freight forwarding companies.

Goods in transit insurance can be arranged to suit individual clients and can be set up as an annual policy or for more specific shipments we can even set up a short term or specific period goods in transit insurance policy.

Because it is such a specialised product it can be difficult to decide which is the best policy for you. However Isis Insurance are on hand to help you get the best Goods in Transit quote on the market.

Goods in transit insurance covers property against loss or damage while it is in transit from one place to another or being stored during a journey and this can apply whether the goods are in your own HGV or being carried by another outsourced company. Some policies can also cover you for anything sent via the postal service!

Any good goods in transit quote should include cover for theft, loss, damage and even delays and most good policies will include a replacement clause, which will either cover those goods old for new or at a price that takes into account depreciation. When you get your quote you should always check this part of the policy to ensure that if something does go wrong you do not end up out of pocket.

For help with your goods in transit quote or to obtain one for your company call the Isis Insurance team now on 01625 539 565.

And if you are unsure of exactly what you are buying as with any type of insurance it is always worth asking for a breakdown of exactly what is being covered. When it comes to your Goods in Transit policy the things to demand are covered are loss of goods during transit, theft of those goods, damage of goods caused by an accident or by simply transporting them and perhaps loss of earnings caused by transit delays out of your control.

What you will find is that if goods in transit are damaged they will be replaced by the insurance company new for old, in the same way they are for items damaged and replaced through a personal insurance policy.

A specialistt broker such as Isis Insurance will ensure you get the right level of cover for your business needs. For example, some goods in transit insurance policies may cover food spoilage for frozen goods, or transit within the EU, but if you sell dishwashers in the UK then you’d be paying for cover you don’t need. Remember to always check with your broker to see which features are optional and which are included as standard.

For expert advice on goods in transit insurance contanct Isis Insurance now on 01625 539 656

Insurance for carrying large loads must also cover the items you are carrying too – and that little load can add up to some serious money if you happen to be carrying high value goods like electrical equipment or even cars.  Full coverage gives you the peace of mind that if something should go wrong then you won’t end up shouldering a hefty bill.
The important thing here is to search for good insurance brokers like Isis who will allow you to pay for full coverage monthly as the slightly higher premiums involved can be spread out over the year, preventing any cash flow problems.

Cheap HGV Insurance usually covers basic things like damage done to others’ property, be that another vehicle or a dwelling etc. If that is all you need then this can save your business money but be careful that you do not leave yourself short when accidents do occur. In our experience it is worth paying a little more to cover theft from the vehicle and goods in transit insurance as it shields you from the unexpected.
 
To help keep those premiums down it is very important to be able to exhibit a good driver history and to be able to prove that those working for you are well trained and hold all of the necessary qualifications and have enough experience to satisfy the cover requirements. Any good HGV Insurance broker will ask you about these things – so beware!
HGVs are also targets for gangs of organised criminals and on average 10 trucks are stolen every day in the UK, making a good HGV insurance policy an imperative.

To get more advice on this topic talk to one of Isis’ HGV Insurance experts now on 01625 539 656 or click here to request a quote online.

The question is, however, how on earth do you shop for such specialist cover as Goods in Transit Insurance? Isis Insurance’s guide has been designed to give you a quick overview of what you should looking for, and asking about, when you are shopping around…

 Ask any specialist insurer worth talking to and they will tell you that there are four main areas that Goods in Transit Insurance should cover and they are:

• Theft
• Loss
• Damage
• Delays in delivery

All common sense so far but it is surprising how many people don’t check that their insurance covers each of these things – and that can be an expensive mistake to make.

The next thing to ask about and agree on is the value of the goods being transported. If they are new you can go by the RRP (and your insurance should cover this in its entirety). If they are used or antique this process can be more difficult, however, any good insurance broker like Isis will offer either an ‘new for old’ option, where the compensation would cover the cost of replacing the item as new, or ‘indemnity cover’, which takes into account depreciation. This cover will obviously create a slightly lower premium.

As with other types of insurance, Goods in Transit Insurance will also give you the option of building in things like legal cost cover, storage cover and food spoilage cover.  Again ask one of the Isis Insurance experts for their view on these things before committing as they will raise your premium.

For impartial advice on your Goods in Transit Insurance talk to one of Isis Insurance’s experts now on 01625 539656 or request a quote online.