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Policy overview


Our Cargo policy protects businesses against the loss or damage that can occur when transporting their valuable goods.

And with optional cover available for overseas subsidiaries, single shipments and specified storage locations, there’s room to customise the policy to suit even the most complex of businesses.  

The policy includes
  • Insurance for loss or damage to goods whilst being transported and in storage for onward distribution
  • Global transits (including cross voyages) and inter-company movements included as standard
  • Frozen food clauses included as standard
What we cover
  • Antiques
  • Beers, wines and spirits
  • Cold stores
  • Commodities
  • Engineering construction risks
  • Fragile items
  • General goods or merchandise
  • Hazardous goods
  • Incidental retail locations
  • Mobile devices, cell phones, tablets and similar portable devices
  • Motor vehicles
  • One-off transits
  • Open cargo facilities for freight forwarders
  • Overseas storage
  • Sendings to mainly excluded territories
  • Stock throughput risks
  • Temperature controlled goods
  • Wholesalers, importers/exporters, manufacturers and associated trades
What we normally decline
  • Bank notes
  • Bonds
  • Bullion
  • Cash
  • Explosives
  • Securities
  • Stamps