Vehicle Transit Insurance: What to Check

The word insured does not describe a complete policy. Before moving a car or bike, ask which coverage applies to the booking and read the relevant documents rather than assuming every transport risk is covered.

Vehicle Transit Insurance: What to Check

Ask who issues the cover, which vehicle details are recorded and whether the premium is included or separate. Confirm the movement being covered and the applicable period. The booking estimate and insurance documents should not describe different arrangements.

Routine motor insurance and transit cover are separate checks

Check the applicable documents rather than assuming an existing vehicle policy automatically covers every carrier movement. Ask the relevant insurer or team to explain the actual wording. If storage is involved, check whether that period is addressed separately.

This guide gives questions to ask; it does not replace the policy documents or determine eligibility or a claim outcome.

Read exclusions as well as the headline

Coverage documents can include limits, excesses, conditions and exclusions. Confirm how vehicle value, accessories and existing damage are treated. Personal belongings should not be left inside a vehicle on the assumption that vehicle cover protects them.

• Vehicle and value recorded in the documents
• Covered movement and applicable dates
• Premium or separate charges
• Limits, excesses and exclusions
• Notification and document requirements

Keep evidence of the handover condition

Take photographs before collection. For a bike, do this before wrapping obscures the panels and fittings. Note existing damage and keep the collection record with the agreed transport scope. At delivery, compare the vehicle condition with that record.

If a concern is identified

Record the issue with the receiving team and contact Sarvgati promptly. Keep relevant photographs, booking information and the applicable coverage reference. Follow the actual notification and documentation instructions; do not rely on a general internet checklist for policy deadlines.

Packing and handling still matter

Coverage does not replace suitable preparation. Ask about bike packing, car-carrier access, loading and securing, and make the receiving contact aware of the inspection steps. Each part of the move needs its own clear arrangement.

Ask the questions before booking

Discuss cover alongside the transport estimate so there is time to review the scope. The insurance-assistance page and vehicle service guides help you prepare the enquiry.

Transit insurance assistance → · Car transport service → · Bike transport service →

Keep a coverage comparison sheet with the booking

Write down the vehicle description, the movement requested, the relevant coverage reference and the party explaining the terms. Alongside them, record the questions still open: collection and loading, carrier transport, unloading, local delivery, and any storage period. Ask for clarification wherever the booking scope and coverage documents use different descriptions.

Keep the applicable wording, estimate, pickup record and receiving photographs together. If you find a concern at delivery, record what you can observe and follow the actual notification instructions in the relevant documents. This checklist helps organize the questions; it cannot establish whether a particular event is covered or decide a claim.

Questions before you book