1. Standard cover
Every Pea Logistics move includes goods-in-transit insurance to AU$20,000 at no extra cost. Cover is provided by a licensed Australian general insurer underwriting our policy.
What's covered:
- Loss or damage to your goods while they are in our care, from pickup to delivery.
- Damage caused by accident, fire, theft, or rough handling by our carrier partners.
- Total loss if the truck is in an accident or stolen in transit.
2. Premium cover (optional, +$120)
For higher-value loads, you can upgrade to premium cover up to AU$50,000 at quote time. This is a flat fee added to your booking.
For loads above AU$50,000 in declared value, contact us before booking — we'll arrange a one-off marine cargo policy.
3. Per-item limits
Within the overall AU$20,000 (or $50,000) limit, individual items are capped:
- Furniture and white goods: Up to AU$5,000 per item on standard cover; AU$10,000 on premium.
- Electronics (TVs, computers, audio equipment): Up to AU$3,000 per item; covered only if professionally packed or packed in original packaging.
- Art and antiques: Up to AU$2,000 per item under standard cover. Higher cover requires a written valuation lodged before pickup.
4. What's excluded
The following are not covered:
- Cash, jewellery, securities, precious metals — carry these personally.
- Personal documents (passports, certificates, contracts) — carry these personally.
- Items packed by you where the cause of damage was inadequate packing.
- Pre-existing damage not noted in writing at pickup.
- Mechanical or electrical breakdown with no external sign of impact (e.g. a TV that "stops working" without visible damage).
- Wear and tear, scratches on used furniture not reported at pickup.
- Goods left in the open after delivery without an authorised signatory present.
- Prohibited items (see Terms of Carriage, Section 4) — including these voids cover for the entire shipment.
- Indirect or consequential losses (e.g. business interruption, accommodation costs from delivery delays).
5. How to lodge a claim
Step 1 — Note damage at delivery
On the day of delivery, inspect each item before signing the delivery confirmation form. Note any visible damage on the form before signing. Take photos of the damage.
Damage hidden inside packaging — discovered after unpacking — must be reported within 7 days of delivery with photos showing the packaging condition.
Step 2 — Email us within 7 days
Email ops@pealogistics.com.au with subject "Claim — [your reference]". Include:
- Booking reference (PL-XXXXX).
- Description of the damaged or missing item.
- Photos of the damage — multiple angles, including any packaging.
- Proof of value: original purchase receipt, online retailer order history, or a written replacement-cost quote.
- Any signed delivery confirmation form noting the damage at delivery.
Step 3 — Assessment
We acknowledge claims within 1 business day and complete assessment within 14 business days. We may request additional information (e.g. independent valuation for art) or arrange a physical inspection.
Step 4 — Outcome
Approved claims are paid by direct bank transfer within 10 business days of approval. Payment is the lower of:
- The repair cost (if reparable).
- The replacement value (for total loss or unrepairable items).
- The relevant per-item insurance limit.
6. If we deny a claim
We'll explain why in writing. You can:
- Submit additional evidence and request reassessment.
- Escalate to the Australian Financial Complaints Authority (AFCA) at afca.org.au.
- Pursue the matter under the Australian Consumer Law.
7. Underwriter
Our goods-in-transit policy is underwritten by [insurer name pending confirmation]. We'll update this section once the policy schedule is finalised.
8. Contact
Email: ops@pealogistics.com.au
Phone: (02) 9056 2992