Cargo insurance coverage depends on the policy. Confirm the insured goods, value, route, exclusions and claims procedure with the insurer or authorised provider before dispatch.
Describe the risk accurately
Give the provider a clear commodity description, packing method, value and intended route. Include storage and inland movements when they form part of the journey. Declare unusual characteristics such as fragility, used condition or temperature sensitivity. Ask how the insured value is calculated and which currency applies. Keep the insurance decision separate from the carrier’s transport quotation.
Read the scope and exclusions
Confirm when cover begins and ends and whether intermediate handling or storage is included. Check deductibles, exclusions and packaging requirements rather than relying on a short certificate title. Obtain the actual policy terms from the responsible provider. A transport operator’s liability arrangement is different from cargo insurance and may not cover the shipment’s full commercial exposure.
Prepare for evidence collection
Retain packing photographs, invoices, transport records and delivery documentation. If damage is visible, record it clearly at receipt and contact the relevant parties promptly. Ask the insurer what notice periods and evidence are required; do not assume another shipment’s process applies. Preserve packaging and damaged goods as instructed rather than disposing of material before assessment.
Your shipment checklist
- Confirm insured route and goods.
- Check valuation, deductible and exclusions.
- Obtain full policy terms.
- Keep a claims contact and evidence requirements.
Is my cargo automatically insured by a freight booking?
Do not assume it is. Request written confirmation of any insurance arrangement and read the applicable terms before dispatch.
This guide supports shipment planning. The accepted quote, carrier requirements and applicable authority rules determine your shipment’s final arrangements.
