Craftsman in a yellow shirt reaches into a toolbox in a van – symbolic image for commercial vehicle insurance and protection of vehicle contents.

Protection for your cargo when using private transportOwn-account transport insurance / vehicle contents insurance

In commercial transport, the focus is often on the vehicle fleet and vehicle risks – but the cargo is often not taken into account. But who is liable if damage occurs during the transport of your own goods, tools or equipment?

The answer: As a rule, your cargo is not covered by motor vehicle insurance.

Safeguard goods and equipment reliably

Own-account transport insurance, also known as vehicle contents insurance, covers the company’s own goods and operating resources that are transported in the company’s own vehicles. This includes, for example:

  • Machinery and tools
  • Measuring or construction equipment
  • Catering requirements or technical equipment
  • Spare parts, merchandise or project materials

With customised transport insurance from MRH Trowe, you can reliably protect your transported goods and avoid financial risks due to damage or loss during transport.

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Sense & purpose

The own-account transport insurance is aimed at craft businesses, production companies and trading companies that transport items using company-owned vehicles within the sense of own-account transport in accordance with the German Road Haulage Act (GüKG).

It offers protection during transport:

  • for own purposes and own goods
  • for third-party goods, e.g. for maintenance or repair orders
  • with your own fleet of vehicles, including tractors and trailers

Own-account transport insurance is a cost-effective alternative to traditional transport insurance for selected risks in day-to-day operations.

Insured risks & hazards

The insurance covers, among other things, losses caused by:

  • Fire, lightning strike, explosion
  • Forces of nature and force majeure
  • Accident/collision involving vehicles or trailers
  • Burglary, vandalism, theft of the vehicle and its cargo
  • Robbery, extortionate coercion, embezzlement
  • Politically motivated violence, riots, looting
  • Damage during loading and unloading (including by employees)
  • Brake damage

Optionally insurable:

  • Storage on construction sites within a defined framework
  • Spoilage of temperature-controlled goods
Insured goods
  • Goods and merchandise for further processing, delivery or personal use
  • Tools, measuring devices, samples and demonstration devices
  • Packaging and transport containers
  • Finished goods, client service material
Scope of cover

The protection applies throughout the entire transport process – from loading and transport to unloading:

  • Stops of the loaded vehicle, including at night (with night-time clause)
  • Temporary storage outside the company premises, e.g. at the place of residence of employees (with domicile protection clause)
Insured persons
  • The insured company (policyholder)
  • The authorised driver of the vehicle
  • Other employees involved in the transport process (co-insured)

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