Compare and Purchase Transportation Insurance

Transportation insurance is a type of insurance that covers your belongings against damage and theft during transport. Many business owners think of transportation as limited to, for example, a truck or a container ship, but transport in a company vehicle or airplane is also covered. If the carrier damages or loses the goods, you’ll receive compensation from your insurer. Even if a truck’s cargo goes up in flames due to a fire, you’re fortunately covered for this as well.

With some insurers, personal transportation is also covered under the transportation insurance policy, but in some cases you may need to purchase a separate personal transportation insurance policy. Therefore, always check the policy terms and conditions.

Transportation insurance is for all types of businesses that occasionally or regularly ship goods, whether by land, sea, or air. This can include small and medium-sized businesses as well as large multinationals. It also doesn’t matter whether you ship goods within the Netherlands or between different countries. There is a suitable transportation insurance policy for every business.

You have no control over what happens to your goods during transport. After all, accidents can happen at any moment. For example, damage may occur while loading or unloading the goods; the refrigeration system may malfunction, causing the goods to spoil; or a fire may break out, severely damaging the cargo and perhaps even rendering it unusable. This damage can result in significant costs. Furthermore, the goods may be essential to your business operations, which could bring them to a standstill and cause you to lose profits. With cargo insurance, you’re covered for these risks and can minimize your financial exposure.

Standard coverage under a cargo insurance policy includes:

• Damage During Loading and Unloading
• Cold Damage During Transport
• Damage to items intended for sale
• Damage to tools and materials needed for your work
• Damage Caused by Spoilage, Theft, and Loss of Goods
• Damage caused by fire, explosion, and accidents involving the vehicle

The cost of cargo insurance depends on a number of personal factors. To determine the amount of the insurance premium, we consider, among other things, the type of goods you are shipping, the mode of transport, and the origin or destination of the goods. You can then pay the premium monthly, quarterly, semi-annually, or annually. On Alpina.nl, you can use our online comparison tool to instantly calculate an estimate of the premium. This gives you an idea of the cost of cargo insurance before you purchase a policy.

With cargo insurance, you can ensure that your goods are always well protected during transport. This is because the carrier’s liability is limited. There are certain limits on compensation, which means you may not always be (fully) compensated for damage to your goods. That’s why it may be wise to purchase cargo insurance for your goods. When purchasing cargo insurance, you can choose between temporary and continuous coverage.

Even if you have your goods shipped by sea, you are covered by cargo insurance. With ocean freight, you can ship pallets, shipping containers, and bulk goods. If the ship sinks, cargo is lost, or something goes wrong during loading or unloading—in all these situations, you are covered by cargo insurance.