Cargo insurance for a car carrier is written for vehicles. It does not extend to luggage, boxes, electronics or anything else inside the car.
What the Terms say
You may leave one suitcase or one bag up to 100 lbs in the trunk or cargo area if you declare it before loading. You do so at your own risk. Neither the carrier nor Rivalane is liable for personal items of any kind or value, nor for damage to the vehicle caused by excessive or improper loading of personal items.
What that means in practice
If a bag goes missing or is damaged, there is no claim to file. If a loose item breaks a window or scratches the interior in transit, that damage is excluded too. Items that can be seen through the windows also invite theft at rest stops, which is a risk no policy covers.
What to do instead
Ship belongings separately, or carry them with you. Keep the car empty apart from factory equipment, the spare tire and the jack. If you must send one bag, keep it light, out of sight in the trunk, and free of anything you would mind losing.
Vehicles shipped by sea to Alaska, Hawaii or Puerto Rico must be completely empty; the shipping lines enforce it at the terminal.
