The goods in transit insurer covers goods while in transit and temporarily housed during the course of transit. Transit begins when the goods start to move, i.e. when they are loaded. The insurer was liable when goods were stolen from a loaded vehicle on his premises even though the journey had not commenced. The argument that the goods were not in transit failed (Sadler Bros. Co. v. Meredith (1963). In Crows Transport v. Phoenix (1965) it was held that, unless the policy otherwise provides, transit commences the moment the carrier accepts the goods. Transit does not end when the vehicle reaches its destination. In Tomlinson v. Hepburn (1961) it was held that transit only came to an end when the unloading was completed.