Transport and accommodation insurance through Allianz
Transport and accommodation insurance covers your goods not only while they are on the road, but also while they wait at a terminal, in an intermediate warehouse or in a parked trailer.
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In brief
A consignment rarely travels from sender to recipient in one movement. It is transhipped at a terminal, waits on a cross-dock floor for the connecting journey, spends a night in a trailer on a business site or sits for days in an intermediate warehouse until there is a full load. Classic cargo insurance runs from collection to delivery and only covers stays en route if they are normal and brief. Transport and accommodation insurance (transport- en verblijfverzekering) deliberately draws that line more widely: it also covers the goods during storage that forms part of the logistics process, up to an agreed maximum duration per location.
The insurance is intended for trading companies and logistics service providers whose goods flow does not run directly: importers who leave consignments in a customs warehouse, online shops with stock at a fulfilment partner, machine builders who store parts at a project site until assembly. Cover is usually all risks, at invoice value plus a mark-up, and includes loading, unloading, transhipment and stays at named or unnamed locations.
The conditions for the storage period determine the payout: the maximum duration, the requirements for the building or site and the maximum amount per location. We compare the conditions of Allianz with those of other transport insurers on precisely those storage clauses, the theft conditions for parked trailers and the cover for storage by third parties.
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We compare your goods-in-transit insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Goods-in-transit insurance
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four points that determine whether goods are really covered while they are held en route.
Maximum storage period per location
Storage cover is limited in time. A maximum of 30, 60 or 90 days per location is common; after that the consignment falls back to limited cover or outside the policy altogether. A consignment that remains in a bonded warehouse for months awaiting customs clearance or a customer who does not pay is then uninsured. Keep track per consignment of when it arrived at an intermediate location and agree with the insurer what happens if the limit is exceeded. For structural storage, separate storage insurance or cover on the contents policy is a better fit.
Parked trailers and theft
Most cargo theft takes place from trailers parked overnight or at the weekend. The policy therefore sets requirements: a locked and guarded site, a kingpin lock or a secure car park for theft-sensitive goods such as electronics, tobacco, clothing and drinks. A trailer standing in an unguarded lay-by along the motorway is, with many insurers, only covered if no secure parking was available and the driver stayed with the vehicle. Record the parking procedure and discuss it with your carriers and drivers.
Storage by third parties and fulfilment
Goods held by a logistics service provider, a fulfilment partner or a customs warehouse are only covered to a limited extent under that party's liability; the storage conditions often limit liability to a low amount per kilogram or per event and sometimes exclude fire. Transport and accommodation insurance insures your property directly, without any question of liability. State the storage locations and the maximum amount per location when applying; the insurer often wants to know whether the building has a sprinkler system, a burglar alarm and an enclosed site.
Insured value and accumulation
Under cargo insurance the sum insured applies per consignment or per means of transport. During storage, consignments pile up: on a cross-dock floor or in an intermediate warehouse, the combined value of all waiting consignments can be a multiple of one shipment. The policy therefore has a separate maximum per location, the accumulation limit. If the actual value at the time of a fire is higher, the excess is not reimbursed. Set this maximum to match peak stock, for example in season or around a large delivery, rather than the average.
What does your premium depend on?
- Value per consignment and per location: the build-up during storage weighs heavily
- Length of the storage period: every extra day standing still increases the exposure
- Number of transhipment points: every link is another opportunity for damage
- Security of terminals and yards: cameras, fencing, access control
- Type of goods: goods prone to theft are weighted differently
- Routes and countries: certain routes carry stricter clauses
Insurers weigh these details differently. That is where your saving is.
What is covered on the consignment
| Situation | Extended | All risks |
|---|---|---|
| A pallet falls off the forks during transhipment and the contents break | Yes | Yes |
| Rainwater runs through a tear in the trailer roof onto the cardboard outer boxes | Provided that | Yes |
| The consignment is damaged because the sender packed the boxes too lightly | No | No |
| The consignee refuses the consignment because the use-by date passed while it was waiting | No | No |
| A collision on the motorway in which the whole load overturns | Yes | Yes |
| A forklift driver at the terminal drives through your shrink wrap and damages the goods | Provided that | Yes |
Extended cover names the perils specifically; all risks cover pays out unless the conditions expressly exclude the event.
Frequently asked questions
Questions trading and logistics companies ask us about transport and accommodation insurance.
What is the difference from ordinary cargo insurance?
Ordinary cargo insurance covers the consignment from collection to delivery and only allows stays en route if they are brief and normal. Transport and accommodation insurance also covers storage that is part of the logistics process: terminals, intermediate warehouses, cross-dock locations and storage with a service provider, up to an agreed number of days and a maximum amount per location. For goods flows with intermediate stops, that is the essential difference.
Aren't my goods at a fulfilment partner covered through that partner?
Only to a limited extent. The service provider is liable under its storage conditions, usually up to a low amount per kilogram or per event, and only if it is at fault. In the event of fire, storm or burglary without fault, you often receive nothing. With your own transport and accommodation insurance, your stock at the partner is insured directly, without you first having to prove liability.
Is theft from a parked trailer covered?
Yes, provided the parking conditions are met. Insurers generally require a locked or guarded site, a kingpin lock or a certified secure car park, especially for theft-sensitive goods. Theft of a trailer left unattended on the public road is often only reimbursed if there was no alternative. The insurer assesses this case by case on the basis of the circumstances.
What does transport and accommodation insurance cost?
The premium is calculated as a per mille of the annual value shipped and as a percentage of the sum insured per storage location, depending on the type of goods, the destinations, the storage period and the security of the locations. As an indication, the transport part is often between 0.5 and 2 per mille, with the storage part on top. The insurer assesses each location separately. We request several quotes.
Every situation is different. For these situations we have a separate page.
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