Inland Transit Insurance

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Inland Transit Insurance Advantage

Open Policy
This inland marine insurance policy also covers inland movement of consignments for specified period of time which is usually one year. This policy is suitable for companies with numerous transactions throughout the year and provides continuous cover.
Losses of all kind
Provides protection against different types of losses:
• Total loss of goods
• Partial loss of goods
• Related expenses while still in transit.
Insurance can be customized. The different types of policies are:
• All Risk Cover – covers risks and damage to goods against all risks
• Limited Extension cover which provides some extensions like risk against strike, violence & civil commotion
• Basic risk cover- example, fire or lightning risk cover only.
Mark Up Value
An element of profit can also be included in the sum insured which is allowed by the insurers. This is referred to as mark up in Marine Insurance parlance.

Why Claims Get Rejected?

Uncovered Perils

Typical examples include goods damaged during unloading and loading or while in storage; damage due to labour strike; and earthquake related damage. These perils can be covered if the inland transit insurance is placed properly.

Inherent Vice

This refers to damage caused by a product’s instability rather than external factors. For example coal tends to self-combust, some oils solidify, and paper can disintegrate. Inherent Vice is generally excluded but a discussion with experts like us can give a clear sense of how to reduce Inherent Vice risks.

Inadequate Packaging

Claims are often rejected if packaging material was sub-standard or not customary. This can be contentious in claim settlement. A good practice is to declare packaging upfront and agree with the insurer that this is sufficient.

Why SecureNow

Product Knowledge

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Quick Turnaround

Cover notes are issued within hours of request. This ensures that your goods don’t sit idle at any stage.

Strong Claim

We manage all aspects of your claim - from survey appointment to documentation to insurer follow-up.

Value Added

We will advice you on risk management best practices.

Policy Administration
System (PAM)

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An Inland transit insurance policy covers the risk of physical loss or damage to insured goods (machinery, raw materials and finished goods) while being transported by any means of transport such as registered post, courier or by air.
An Inland transit policy provides cover to insured’s business goods being transported by any means of transport domestically, whereas a marine cargo insurance policy covers the risk of physical loss or damage to the insured goods that are being exported or imported to/from the nation as well as within the national boundaries through any means of transport. In that sense the inland transit policy is a subset of the marine cargo insurance.
This policy is appropriate for small-scale or medium-sized businesses which do not require to import or export their goods internationally.
There are two types of covers:
(i) Basic Risk Policy covers loss or damage to specified goods caused by fire, lightning, breakage of bridges, overturning of vehicles, collision with or by carrying vehicle, subject to specified exclusions.
(ii) All Risks Policy covers all risks of loss or damage to specified goods, subject to exclusions. The All Risk cover is substantially more comprehensive than the Basic Risks Cover.
Marine Inland Transit Insurance Policy is an agreed value policy. Typically, insurance is taken for CIF+10%.
Rate depends upon factors such as nature of cargo, scope of cover, packing, mode of conveyance, distance and past claims experience.
Significant exclusions are willful misconduct; ordinary leakage, ordinary loss in weight or volume or ordinary wear and tear; inadequate packing; delay howsoever caused; inherent vice or nature of the subject – matter; war and allied perils, strikes, riots, lock-out, civil commotion and terrorism (these are optional covers available at additional premium).
Various clauses can be added depending upon the nature of the goods being carried. Extensions available under a marine inland transit insurance policy include strike, riot and civil commotion.

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