The short answer
Goods in transit cover applies to items damaged while in the carrier's care, subject to the terms and exclusions of that cover. Pre-existing damage, inadequately prepared items and certain high-value goods are typically excluded, which is why documenting condition before collection matters.
How does goods in transit cover work?
It covers loss or damage occurring while the goods are in the carrier's care, between collection and delivery, up to the limits and subject to the exclusions set out in the terms.
It is not the same as household contents insurance, and it is not the enhanced cover a full removals firm arranges for a whole-home move. Where an item's value genuinely exceeds ordinary furniture, it needs to be discussed before booking rather than assumed.
What protects you in practice?
Photographs before collection, taken in daylight, showing the item's overall condition and any existing marks. This single habit resolves the majority of disputes because it establishes the starting condition beyond argument.
Proper preparation. Empty drawers, remove glass and mirrors, detach and bag fixings, tape doors shut. An item damaged because it was not prepared is generally not a transit claim.
Accurate declaration. If an item is antique, unusually heavy or already fragile, say so in the notes. Cover depends on us knowing what we are carrying.
What should you do immediately if there is damage?
Photograph the damage where it stands, note it at the point of delivery, and contact us with your booking reference the same day. Do not repair or dispose of anything before the claim is discussed.
Keep the packaging and any broken parts. They are evidence, and disposing of them early weakens an otherwise valid claim.
Where does liability sit on a marketplace purchase?
Transit damage is a matter between you and the carrier. Damage or misdescription that existed before collection is a matter between you and the seller, and no carrier can resolve that on your behalf.
This is the strongest practical argument for inspecting an item, or having someone inspect it, before it is loaded.
Frequently asked questions
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Related service: Furniture delivery