Disclaimer- The overview provided in this document is provided by DOT Express Pty Ltd to provide an easy to read and easy to understand document. For full terms and conditions of the Transit Insurance cover, please refer to the PDS/Policy wording. A copy of this can be requested from DOT Express by email for all existing customers.

Not a common carrier

DOT Express is not a common carrier and will accept no liability as such, please refer to our Standard Trading conditions for full details.

But as we all know, losses and damages do occur in Transit. To assist our customers to reduce their transit risks, DOT Express has taken the commercial decision and has arranged a complimentary transit insurance solution for our customers, underwritten by QBE Australia, on all consignments despatched domestically within Australia.

Before any customers commence trade with us, we must receive confirmation that an Officer of our customer has read and understood and signed back a copy of the Financial Services Guide (FSG), the Product Disclosure Statement (PDS) and the Policy Terms and Conditions provided with our credit application.


What is DOT Express’ transit insurance?

DOT Express provides their customer’s automatic insurance cover of up to A$1,000 per consignment for loose carton/item freight with an excess of A$100 per claim, and up to A$10,000 per consignment for consignments declared as pallets/skids with an excess of A$500 per claim.

Is there a timeframe for lodgement of claims?

All claims have a time limitation for lodgement.

Damage claims must be lodged within 2 days (48 hours) from date of delivery. The proof of delivery must have damage noted along with the receiver’s signature otherwise a request for a damage claim will not be accepted.

Lost product claims must be lodged within 7 days from the expected time of arrival (ETA).

All requests for damage or lost in transport claims must be communicated via email.

An Insurance Claim Form will be forwarded to the claimant and an investigation will be undertaken immediately thereafter. Claimants will be required to submit validation of the COG along with a sales invoice, colour photographs of damage or lost product, a detailed description of the damage and/or a written quotation for repairs if it is applicable.

What is required when lodging a claim?

When lodging a claim for damage or loss, you will be required to support your claim with

  Validation of the COG, either by presenting either the manufactured cost or the wholesale purchase cost in A$

  Sales invoice –please provide a copy of the wholesale invoice in A$

  Colour photographs of damage or lost product in its despatched form and if applicable, a detailed description of the damage. In all cases, photographs of product in its packed state for transport should be supplied

  A written quotation for repairs if it is applicable

How is Insurance calculated?

Settlement of declared loose carton/item insurance claims is capped at A$1,000 and calculated on the cost of goods excluding GST less the excess A$100 per claim

Settlement for declared palletised product insurance claims is capped at A$10,000 and calculated on the cost of goods excluding GST less the excess A$500 per claim

What is excluded in DOT Express’ transit insurance?

The following classification of products are excluded from our complimentary insurance offer

  • Animals, animal products, animal skins 
  • Fur(s), ivory, endangered animal products
  • Antiques, fine art or works of art
  • Bullion
  • Collectibles and/or irreplaceable items where any item is worth more than its original purchase price or that is not commonly available
  • Currency or negotiable instruments
  • Dangerous Goods including Hazardous or Combustible materials that are described as but not limited to flammable liquids, petrol, lighter fluid, flammable solids, non-safety matches, gases, mace, camping gas, oxidizers, bleach, poisons, pesticides, corrosives, car batteries, lithium batteries, mercury
  • Drugs / Narcotics (illegal)
  • Explosives that can be described as but not limited to detonators, fuses, grenades, mines and explosives, fireworks and flares plus firearms, parts thereof and ammunition
  • Human remains (including ashes)
  • Industrial diamonds or carbons
  • Refrigerated and/or perishable items such as but not limited to flowers, dry ice, foodstuffs and such items requiring temperature control or special handling, plants
  • Plant products and plants including but not limited to cotton, seeds, teas, tobacco
  • Pornography
  • Precious & semi-precious stones (including jewellery)
  • Returns and Third Party Movements
  • Second Hand/Used product
  • Watches & Costume Jewellery
  • Wilful misconduct by the insured
  • Wear and tear, ordinary leakage, ordinary loss in weight or volume
  • Loss as a result of delay and inherent vice or nature of the goods
  • Consequential loss, refer our Terms & Conditions
  • Any product not packaged appropriately for the rigors of Australian express freight (road or air)

How does Authority to Leave (ATL) affect insurance?

ATL allows Drivers leave consignments as directed by you when businesses are unattended or there is no-one present to accept your product.

In such instances, our complimentary transit insurance dos not apply.

Why would an insurance claim be declined?

The most common reasons insurance claims may be declined are:

  • The insurance claim is less than the value of the excess amount
  • The insurance claim has been received outside of the time to claim
  • Product has been insufficiently packed for the rigors of express freight transport
  • The product category is listed on our exclusion list

Who to ask more about our transit insurance policy?

Please contact your DOT Express Account Executive or call 1300 000 363 and one of our staff will be only too happy to assist with any enquiries.

If we can’t answer you immediately, we shall direct you to our Insurance Broker for whom we act as an Authorised Representative, refer Financial Services Guide (FSG)