The 60-second version
Cash-in-transit policy covers loss of money while moving between shop and bank — separate from burglary and fidelity guarantee. I set sum insured to peak cash float and name authorised carriers.
Transit cover is point-to-point — not vault storage
Cash-in-transit insures money while physically moving between premises and bank — robbery en route is covered, not employee theft at counter.
Sum insured should match peak daily cash float — under-insurance caps claim at policy limit.
Pairs with burglary (premises) and fidelity guarantee (employee theft) — three distinct riders.
Burglary lane: burglary rider guide.
Money cover comparison
| Policy | Covers | Excludes |
|---|---|---|
| Cash-in-transit | Robbery en route | Counter theft |
| Burglary | Break-in at shop | Transit loss |
| Fidelity guarantee | Employee theft | Third-party robbery |
| Fire policy | Stock + premises | Money unless rider |
| PA policy | Personal accident | Business money |
Cash-in-transit setup
Peak float audit
Max cash held + carried daily.
Route map
Shop → bank path for policy schedule.
Named carriers
Only listed staff may carry insured cash.
Policy bind
Transit limit + time window per trip.
Claim protocol
FIR within 24h of robbery.
Cover layers
Transit policy kit
- SI amount.
- Carrier names.
- Route schedule.
- FIR template.
- Policy cert.
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UPI shift
Lower cash float reduces premium — revisit SI after digital payments ramp.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
Open nofollow community search ->Interactive checkpoint
Turn this guide into a decision file
0 of 4 checked
Owner carries cash?
Name owner as authorised carrier on schedule.
Multiple trips/day?
Each trip within policy time window — document log.
Fake currency?
Typically excluded — verify policy wording.
With security guard?
Guard does not replace transit policy.
Home cash run?
Transit is business premises to bank — not personal.
Claim without FIR?
FIR mandatory for robbery claim — file immediately.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.