# Parcel Guard Insurance The Parcel Guard Insurance plan is a single transit cover for goods or parcels. It is designed to protect owners of goods or parcels against loss or damage to their goods/parcels by reinstating, replacing or repairing the goods in event of a loss or damage in a single transit. ### Who should purchase this plan? 1. Individuals 2. Corporate organizations 3. Courier companies 4. Dispatch riders 5. Transport operators. ### Scope of Cover - Goods/Parcels * Domestic appliances & utensils * General merchandise * Tools and equipment * Home & Office Furniture * Clothing, Fashion & Textiles materials/accessories * Canned/packaged/bagged foods * Computer & electronic appliances * Building materials excluding tiles and ceramic ware ### Out of Scope - Goods/Parcels * Gas cylinders * Chemicals * Explosive materials * Ceramic tiles * Glass ware * Letters, cheques, bank drafts, stamps * Jewelry * Art work * Perishable goods ### Scope of Cover - Risks * Accident to the vehicle * Collision and overturning of the vehicle * Fire * Explosion * Burglary and theft * Windstorm * Flood ### Out of Scope - Risks * War, riot, strike, civil commotion, insurgency * Pilferage * Deliberate/malicious/mischievous acts of the driver or the insured their staff * Shortages * Credit cards, debit cards, ATM cards, ID cards * Seizure or forfeiture by government agency --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://milonics.gitbook.io/api-documentation/build-with-insurpass/parcel-guard-insurance.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.