Having courier insurance will cover you against vehicle damage and any injuries suffered on the job – depending on your level of coverage. It will at a minimum provide you with third-party cover so you can legally work as a courier on UK roads. In contrast, GIT insurance is designed to insure the value of the goods you’re carrying while they are in transit and not your vehicle or third-parties. Some comprehensive courier insurance policies will include goods in transit as part of their coverage, but these may not always cover the full value of goods. Taking out a separate goods in transit policy can give you the extra cover you need.