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Haulage vs Carriage of Own Goods Insurance

Haulage vs Carriage of Own Goods Insurance

For larger commercial vehicles, the difference between "Haulage" and "Carriage of Own Goods" determines what cargo is covered. Misclassifying this on a policy invalidates claims in the event of an accident.

Feature Carriage of Own Goods Haulage Cover
Cargo Ownership The goods in the vehicle belong to you or your business. The goods belong to a third party (client).
Business Model You carry tools/stock to carry out a trade (e.g. manufacturing). Your main service is the transport of goods (distribution/logistics).
Route Pattern Traveling between your business depots and job sites. Point-to-point delivery runs, often long distances.
Premium Risk Moderate risk. Higher risk due to high weight, mileage, and cargo value.

Read more in our Haulage Insurance Guide or the general HGV Insurance Guide.

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