Cargo

Marine cargo

Overview

Cargo is carried by many modes of transport - air, sea, water and road - and usually by more than one mode during it's journey from A to B. Everything we see around us, from raw materials to finished products, such as furniture and clothing, building materials, foodstuffs, minerals, rubber and more, will at some time have been cargo.

In insurance terms, cargo is often forgotten or ignored, and to compound matters, many importer or exporters wrongly believe that the cargo carrier's contractual conditions will compensate them for any loss or damage. Cargo insurance is normally arranged by a supplier or buyer overseas or placed by a freight-forwarder on behalf of the exporter.

Who needs Cargo insurance?

Manufacturing companies, suppliers, wholesalers and selling agents, repairers and service companies could all have the need for this invaluable protection. In short, any company that imports or exports goods is a potential client.

In terms of identifying potential new Cargo business, look out for the following:

• Does the company have the words 'importers' or 'exporters' in their name?
• Does the word 'international' or 'European' appear in their name?
• Does the company name indicate an association with an overseas country?
• Does the company's business cards prefix the phone number with the international dialling code '00 44…'?

More about our product

We're able to provide cover for many types of cargo being shipped around the world and/or while in transit in the UK. We appreciate that each type of cargo has its own underwriting considerations. That's why each case we take care of is treated individually to meet the specific needs of your clients.

Additional benefits

Five dedicated UK Marine underwriting centres support our policyholders and brokers. These centres are located in Birmingham, Glasgow, Leeds, London and Manchester. Our dedicated claims centre is also based in Manchester.

In addition, your clients can extend their Cargo insurance further to cover:

• Inland sendings
• Temporary storage outside of ordinary transit
• Travellers' samples
• Engineers' tools
• Exhibitions in UK and overseas
• Inter-factory movements.

Certificates of Insurance

We can offer an online facility to enable your clients to issue their own Cargo Certificates of Insurance. Contact your local Marine centre for details on how you can access or if you already have access then login here.

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Claims

We provide a dedicated claims management service providing help and assistance in progressing your claim.

Brokers have recognised our:

• Speed - we acknowledge claims quickly and give early indications of their validity.
• Efficiency - we provide a speedy service and quick settlement.
• Directness - we're easy to understand and keep matters jargon-free.
• Close - brokers know the people in our claims team as individuals.
• Approach - we have a positive attitude to settlement.

• Report new claims
• Manage reported claims