Transit insurance calculator.
Know your premium in seconds.
Enter the declared value of your goods and see instant premium estimates for basic, standard and premium zero-deductible coverage. No surprises, no hidden fees.
₹5,000onwards
Basic
Entry-level cover for low-value moves. Simple, affordable, protective.
- Accidental damage
- Fire & theft
- ₹2,500 deductible
- No zero-deductible option
Standard
Comprehensive protection with low deductible. Best balance of cost and coverage.
- Accidental damage & theft
- Fire, flood & calamity
- ₹1,000 deductible
- Vehicle accident cover
Premium
Zero-deductible, maximum coverage. Best for high-value and fragile items.
- All comprehensive benefits
- Zero deductible
- Full claim amount paid
- Priority claim processing
* Premiums are approximate and based on typical market rates. Actual premium depends on insurer, goods type, route and policy terms. GST at 18% applies on top.
What transit insurance covers and doesn't.
Understand exactly what is protected so you can decide with confidence.
Accidental Damage
Damage from drops, mishandling, stacking, and transit shocks during loading or unloading.
CoveredFire, Flood & Calamities
Damage caused by vehicle fires, floods, earthquakes and other natural events during transit.
CoveredTheft & Loss
Stolen or missing goods during transit, subject to police complaint and documentation.
CoveredVehicle Accidents
Damage resulting from road accidents involving the carrier vehicle during the move.
CoveredPoor Packing Damage
Damage caused by inadequate or substandard packing by the customer or third party.
Not CoveredPre-existing Damage
Scratches, dents or wear-and-tear that existed before the move started.
Not CoveredFour steps. Complete protection.
Get covered from the moment packing begins until the last item is unpacked.
Declare Your Value
Add up the replacement cost of all items you are moving. This becomes the coverage amount.
Choose Coverage Tier
Basic, Standard or Premium — based on how much protection you want and your goods' value.
Pay Premium
Pay the calculated premium along with your moving invoice. GST applies at 18%.
Claim If Needed
If something breaks, file a claim within 7 days with photos, video and original invoices.
Get the most out of your cover.
Practical advice from thousands of insured moves across India.
Declare the Right Value
Declare the actual replacement cost of your goods — not their purchase price or depreciated value. Under-declaring means you get less in a claim.
Photograph Everything Before Moving
Take photos of each room and valuable item before packing. This documentation is crucial for claims if damage occurs.
Pick Zero-Deductible for High Value
If your goods are worth over ₹10 lakh or include expensive electronics, the extra cost of zero-deductible cover is worth it.
Insure Only What You List
Make sure your inventory list matches what's actually being moved. Items not on the list are usually excluded from the claim.
File Claims Fast
Report damage within 7 days of delivery. Late claims are often rejected. Keep the original packing slips and invoices ready.
Insurance Is 1-3% of Value
For a ₹5 lakh move, insurance costs ₹5,000-14,000. A single damaged TV can cost more than the premium you'd pay.
Common questions, clearly answered.
How is the transit insurance premium calculated?
What is the declared value of goods?
Is there a minimum premium for transit insurance?
What is a deductible in transit insurance?
Does distance affect my insurance premium?
Is transit insurance mandatory for shifting?
What does transit insurance cover?
How do I file a claim if my goods are damaged?
Get insured moves from verified vendors.
Share your move once. Verified vendors offering transit insurance will quote with full protection details. No brokerage, 100% free.