Insurance terms

These terms apply to the cargo insurance cover purchased alongside a Wayspost booking ("Cover"). Cover is arranged by Wayspost Ltd through an authorised broker and is in addition to the carrier liability already included in every booking.

1. Tiers and limits

• Basic — included; no cargo cover beyond standard carrier liability (£1,000).
• Standard — additional cover up to £500 per booking.
• Premium — additional cover up to £2,000 per booking.
• Aggregate cover per customer is capped at £10,000 over any rolling 12-month period, irrespective of tier.

2. Pre-conditions to cover

Cover only attaches when ALL of the following are satisfied before pickup:

• You declared the parcel contents and value accurately at booking and accepted the fraud-attestation checkbox.
• You uploaded a dated receipt or invoice for any item with a declared value of £200 or more.
• The driver has captured at least one pickup photo, with GPS and timestamp metadata, within the Wayspost app.
• The driver has issued and recorded the tamper-evident seal code on the parcel.

Cover lapses automatically if any of these steps is skipped or falsified.

3. Exclusions

Cover does NOT extend to:

• Cash, banknotes, bullion, jewellery, watches, precious stones, or other items on the excluded-items list shown at checkout.
• Perishables, live animals, hazardous goods, lithium batteries shipped loose, weapons, controlled substances, and any item prohibited by UK law or Royal Mail's restricted list.
• Items shipped without proof of value when one is required.
• Consequential loss, loss of profit, sentimental value, or any indirect loss.
• Damage arising from inadequate packaging by the sender.
• Loss arising from misdeclared contents, fraud, or wilful misconduct by the sender or recipient.
• Loss where the seal code at delivery does not match the code issued at pickup, unless you can satisfy us that the parcel was nonetheless tampered with by a third party.

4. Making a claim

• Open a dispute from the booking page within 48 hours of the delivery timestamp (or expected delivery date, whichever is earlier).
• Provide: the original receipt/invoice, delivery photos, photographs of damage where applicable, and a written account of what is missing or damaged.
• We will acknowledge within 2 business days and decide within 10 business days. Complex claims may be referred to the underwriting broker.
• Payouts are made by bank transfer to the original payment method holder. We reserve the right to settle in kind (replacement) where appropriate.

5. Anti-fraud measures

To prevent abuse, Wayspost may collect and review: pickup/delivery photo GPS and timestamps, device fingerprints, IP addresses, payment-method risk signals, and prior claim history. These are stored under our Privacy Policy and may be shared with insurers, payment processors, and — where Wayspost reasonably suspects fraud — with law enforcement, Action Fraud, and Cifas. Misrepresentation of contents or value voids cover, may result in account termination, civil recovery, and criminal referral.

6. Subrogation

Where Wayspost or its insurer pays out under this Cover, you assign to Wayspost (or to the relevant insurer) all rights of recovery against any third party responsible for the loss, and you agree to co-operate with any subrogated recovery action.

7. Cooling-off period

New accounts (less than 7 days old or with fewer than 3 delivered bookings) are not eligible for Standard or Premium cover. Bookings during this period will default to Basic.

8. Cancellation and refunds of premium

If you cancel a booking before a driver accepts it, the cover premium is refunded in full. After acceptance, the premium is non-refundable.

9. Governing law

These terms are governed by the laws of England and Wales. Disputes that cannot be resolved through our internal process may be referred to the Financial Ombudsman Service where eligible.

10. Contact

Claims and questions: claims@wayspost.com.