Unless agreed to before movement of consignments take place, no goods in transit insurance will be offered and goods will be transported entirely at owners risk. Should the client select to take our ‘goods in transit insurance’ policy and this is agreed to at the outset and the insurance is presented to the client in writing by ourselves then the insurance policy of R250,000 per load is included in the rates. In the event of a claim the excess will be R5000 or 10% of the value of the claim, whichever is the greater. In the event of hi-jacking or theft, the excess will be R7500 or 15% of value of claim whichever is the greater.