2 reasons why your car should have cargo insurance

Find out more in this article about the importance of taking out cargo insurance for your car.

The Covid-19 pandemic has caused many people to change jobs. As a result, many people started using their cars to deliver goods, but there are some important details to think about, such as having car insurance.

According to data from the Institute of Applied Economic Research (Ipea), in 2021, more than 50 thousand people use other means of transport, other than motorbikes, to make deliveries. And this segment has also increased because demand has been high.

The number of purchases made online reached, in the first six months of 2022, more than R$100 billion in sales, according to the Webshoppers 46 report, carried out by NielsenIQ|Ebit, together with Bexs Pay. This data shows an increase of 6% when comparing the same period of the previous year.

If you are one of these numbers, in this article we will list some reasons why your car should have cargo insurance.

How does cargo insurance work?

The main objective of this type of service is to protect the goods and merchandise that you will transport from risks that may occur along the way, such as theft, damage or any other type of damage.

There are two types of insurance:

• Hiring on an individual basis: which can only be done on demand;

• Open contracting: ideal for those who transport cargo several times a month.

Some already offer this cargo insurance, for example:

Remembering that before taking out cargo insurance for your car, research the insurance company thoroughly. If you have any doubts, go to the Private Insurance Superintendency (SUSEP) website to make sure that the company is able to sell this type of service.

Main reasons why your car should have cargo insurance

When transporting cargo, regardless of the type of goods that will be transported, it is very important to take some precautions to avoid problems in the future, so we will show you the reasons why your car should have cargo insurance.

1 – Greater transport safety

Did you know that cargo theft in Brazil, in 2021, resulted in a loss of more than R$1 billion for companies, according to data from the National Association of Cargo Transport and Logistics? Therefore, one of the main reasons for your car to have cargo insurance is your safety and the safety of the cargo you will transport.

With insurance, if you have a problem, the insurance company will compensate anyone who was harmed by the event.

It is important to point out that, if the cargo is stolen, the insurance company has up to 30 days to reimburse the amounts.

A good tip is to always check, before leaving home, the route that will be taken to deliver the goods. This way, you will be able to evaluate the region and, if possible, protect yourself if you have to make a delivery in a place that already has some rates of robbery.

Pay attention to this tip, especially if you make deliveries in large cities, where theft incidents, for example, are higher.

2 – Support in case of problems with the vehicle

If during the delivery route you have problems with your car, you will have full support, including a tow truck for transportation, included in your car insurance. This way, you will be able to quickly resolve the problem and get back to work in less time.

Remembering that everything will depend on the type of insurance contracted and whether it offers coverage for the vehicle and cargo together. After all, there is no point in not protecting both, if problems can occur with both during transport.

What are the coverages of cargo insurance

Hiring can be done by a legal entity or an individual. It is important to point out that to take out insurance you must look for insurance dedicated to category B vehicles, which are those with a total gross weight of up to 3,500 kg.

The main coverage items are:

• Reimbursement in case of damage caused to goods due to collision, fire, tipping, explosion or rollover;
• If the cargo disappears, in the case of a stolen vehicle, or robbery by robbery, but at gunpoint. To be covered in the event of theft only, you need to check whether this event is covered in your contract.

Before signing the contract, pay close attention to the type of coverage you will have so that, when you have a problem, you can activate the insurance and receive assistance as expected. If you have questions about what items are covered or not, ask your insurance agent.

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