What Is Standard Insurance?

When your goods move through our pallet network, as with all pallet networks in the UK, what is covered is our legal liability for those goods while they are being handled and transported. It does not cover the full value of the goods themselves. This liability cover is provided in accordance with the RHA Conditions of Carriage, which govern almost all pallet movements across the UK.

What We Cover

We provide a higher level of liability cover than the RHA standard. While the standard liability under the RHA Conditions is £1.30 per kilogram, we increase this to £5.00 per kilogram on all UK and Ireland pallet deliveries through our pallet network. This means that if your goods are lost or damaged while in our care, liability for the loss is based on the weight of the goods, not their full replacement value.

What’s Not Covered

• This cover is strictly for our legal liability. It is not an insurance policy for the full value of your goods.
• If your goods are worth more than £5.00 per kilogram, we strongly recommend arranging your own goods-in-transit insurance to cover the difference.
• For international deliveries outside of Ireland, liability is likely to remain at the RHA standard of £1.30 per kilogram. The actual level of cover will depend on the carrier and route used. We will confirm this before your booking is finalised.
• For full truckloads (7 pallets or more), cover is agreed case by case. In some instances, the liability may potentially extend up to the full value of the goods, subject to the terms offered by the haulier we use. We will confirm the available cover upon request.
• Losses caused by gradual deterioration, temperature changes, or delays affecting perishable or sensitive goods (such as food, plants, or dry ice) are excluded from liability. This exclusion is standard across the Palletline network and the wider haulage industry and is clearly outlined in our terms and conditions.

How Often Do Claims Occur?

Very few deliveries encounter problems. Less than 0.03% of pallets we handle result in a claim. While we take great care in handling your goods, this liability cover protects you in the rare event something goes wrong during transit.

Do You Need Extra Cover?

For most pallet deliveries, the £5.00 per kilogram cover is sufficient. If your goods are of high value or are moving internationally, you will likely need to arrange your own insurance to protect their full value. For truckloads and international work, we will confirm the applicable liability cover upon request to ensure you have the right protection in place.