Covers liability for loss/damage to customers’ goods; it does not cover the goods. Policies are rated on annual haulage charges. The rate varies according to the conditions of carriage and so a split is made between Road Haulage Association Conditions of Carriage, CMR and estimated unwitting CMR. Insurers require vehicles to be alarmed and usually impose security warranties that apply when the vehicles are unattended and garaged or parked overnight. Carriage of ‘target goods’ may attract a ‘two driver’ warranty. See GOODS IN TRANSIT.