MLOP Insurance Malaysia: Are Your Goods in Transit Actually Covered?货物运输险（MLOP）：马来西亚企业货物在途有没有真正的保障？
Most Malaysian business owners know their fire policy covers the factory building. What they don't realise is that goods sitting in a warehouse — or moving on a lorry — may not be covered at all. That gap has a name: being uninsured in transit.
大多数马来西亚企业主知道火险保障工厂建筑物。他们不知道的是：仓库里的货物或者运输途中的货物，可能完全没有保障。这个缺口有个名字——在途未保险。
What does standard fire insurance NOT cover in transit?
A standard fire policy covers your stock while it is at the declared premises. The moment goods leave your building — for delivery, collection, or inter-warehouse transfer — fire insurance coverage stops. A lorry accident, a flood while goods are in a transit warehouse, or theft from the delivery vehicle: all typically excluded from a basic fire policy.
What is Goods-in-Transit (GIT) insurance?
GIT insurance covers physical loss or damage to your goods while they are being transported by road within Malaysia. It typically covers accidental collision, overturning, fire during transit, and theft of the entire vehicle. It does NOT automatically cover pilferage (selective theft) or breakage of fragile items unless specifically added as an extension.
What about Marine Cargo insurance?
For imports and exports by sea or air, the relevant product is Marine Cargo insurance. Malaysian importers often assume their freight forwarder's insurance covers them — it usually only covers the forwarder's own liability, not the full value of your goods. As the cargo owner, you need your own named-assured policy.
Common situations where businesses discover the gap
A customer returns defective goods and the lorry is involved in an accident en route back. A container of raw materials is damaged in a port warehouse before collection. Your staff moves stock between your Penang factory and a KL warehouse. In each case, the standard fire policy is silent. This gap can typically be filled for a fraction of your fire premium.
标准火险不保哪些在途情况？
标准火险只在货物位于申报地点时提供保障。一旦货物离开您的建筑物——送货、取货或跨仓库调配——火险保障即告终止。货车事故、货物在中转仓库期间遭遇水浸、或货车被盗：这些通常均不在基本火险保障范围内。
什么是货物运输险（GIT）？
货物运输险涵盖货物在马来西亚境内公路运输途中发生的实物损失或损坏。通常保障：意外碰撞、翻车、运输途中的火灾，以及整辆货车被盗。除非特别附加，否则不自动涵盖散盗（选择性盗窃）或易碎物品破损。
那海运险呢？
对于海运或空运的进出口货物，相关产品是货物运输险（Marine Cargo）。马来西亚进口商常以为货运代理的保险已涵盖他们的货物——通常那份保险只保货运代理自身的责任，不保您的货物全额价值。作为货主，您需要以自己名义投保的保单。
企业发现缺口时的常见情况
客户退货，货车在返回途中发生意外。一批原材料在港口仓库等待提货时受损。员工将库存在槟城工厂与吉隆坡仓库之间调配。在这三种情况下，标准火险保单均保持沉默。这个缺口通常只需花费火险保费的一小部分即可填补。
If your goods ever leave your declared premises — for delivery, return, or inter-site movement — you have a coverage gap. A standalone GIT policy is priced off declared stock value and is one of the cheaper covers to add. Talk to an advisor before your next shipment.
只要您的货物曾离开申报地点——送货、退货或跨场地调配——您就存在保障缺口。独立的货运险按申报货值定价，是比较便宜就能补上的一块。在下次出货前，请咨询顾问。
Frequently asked常见问题
Does my fire policy cover stock once it leaves the premises?货一离开厂／店，火险还保吗？
No. A fire policy covers stock at the declared premises. The moment goods leave for delivery, collection or transfer between warehouses, that cover stops. A lorry accident, flooding at a transit warehouse, or theft from the delivery vehicle all fall outside a basic fire policy.不保。火险保的是申报地址上的库存。货一出门去送货、收货、或在仓库之间调拨，保障就停了。罗里事故、中转仓淹水、送货车被偷货，都在基本火险之外。
What is Goods-in-Transit insurance, and what does it leave out?运输货物险（GIT）保什么、漏什么？
GIT covers physical loss or damage to goods being moved by road within Malaysia — typically collision, overturning, fire in transit, and theft of the whole vehicle. It does not automatically cover pilferage, meaning selective theft of part of a load, or breakage of fragile items. Both need to be added as extensions.GIT 保的是货物在马来西亚境内陆运途中的实体损失——通常包括碰撞、翻车、途中失火、整车被盗。它不会自动保 pilferage（只偷走部分货），也不保易碎品破损。这两样都要另外加批单。
My freight forwarder has insurance. Do I still need my own?货代有保险，我还要自己买吗？
Yes. A forwarder's cover protects the forwarder's own liability, which is capped by contract and normally far below the value of the goods. As the cargo owner you need a policy in your own name — Marine Cargo for sea and air movements, Goods-in-Transit for domestic road.要。货代的保险保的是货代自己的责任，而那个责任按合约有上限，通常远低于货值。货主要有自己名下的保单——海运空运用 Marine Cargo，国内陆运用 GIT。