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Transport of goods

The right insurance for your goods transport

All-round protection of the transport on all routes.

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Insurance of transport of goods

If you are exporting/importing goods to/from abroad or transporting them only within the Czech Republic, you should not underestimate these situations and transport the goods without insurance, as very often the goods are damaged during transport.

In today's dynamic times, frequent causes of damage to goods during transport are:

  • accidents to means of transport,
  • damage to goods during handling (loading, unloading and reloading),
  • theft of goods and, last but not least
  • damage caused by natural forces.

These are all important arguments for taking out transport insurance.

Within the scope of transport insurance, we mainly focus on turnover insurance contracts. Our strengths are:

  • contract conditions that are tailored to the needs and requirements of the client and the market,
  • coverage of high insured sums,
  • flexible and quick solutions to your requirements, and
  • extensive know-how in the field of risk management (expert advice on the choice of a suitable means of transport, the route, the packaging of the goods transported, their safety during transport, etc.).

Our customers are production and trading companies with a strong export orientation (mechanical engineering, suppliers for the automotive industry, chemical and pharmaceutical companies, engineering offices, etc.).

Key features

Subject of the insurance

Goods that are transported (e.g. finished products, semi-finished products, raw materials, machinery or parts thereof). The insurance can be taken out door-to-door or only for the part of the transport where the insured person bears the risk.

Who can take out the insurance?

The owner of the insured goods or any other person who has an insurable interest in the insurance.

Types of transport

  • Air
  • Sea
  • Road
  • Railway

Insured risks

We offer insurance cover in 2 variants:

Against listed risks, e.g.:

  • Accident to a means of transport,
  • sacrifice of a shipment as a measure to save a ship,
  • emergency landing of an aircraft,
  • impact or crash of an aircraft, its parts or transported cargo,
  • derailment,
  • collapse of warehouses or bridges,
  • fire, lightning, explosion,
  • earthquake, seaquake, volcanic eruption and other natural disasters

or

ALL RISKS - against all insured risks - this is an insurance against all insured risks except those excluded from cover under the relevant policy conditions. The insurance therefore covers not only the damage mentioned in the previous paragraph for the listed insured risks, but also, for example, damage caused by destruction, loss or theft of the insured transported consignment.

Scope of application

The insurance can be taken out for the carriage of consignments worldwide (unless such insurance is prohibited by the applicable legislation).

Sum insured

The sum insured is the maximum amount of the claim and is based on the value of the goods carried (usually according to the receipt).

Insurance benefit

  • In the event of loss or misplacement of goods = value of the insured item
  • Destruction of goods = new acquisition value of the destroyed item
  • Damage = cost of repairing the damaged goods to restore them to their original condition

The insurer bears the costs for the breakdown service. The amount agreed as a deductible in the insurance contract will be deducted from the insurance benefit.

Types of insurance contracts

  • Turnover insurance contracts with annual premium settlement based on the actual volume of goods transported - the advantage is the low administrative burden for the customer.
  • Outline insurance contracts, where individual consignments are declared for insurance in a pre-agreed manner that suits the type of goods being carried and your needs.
  • Individual insurance policies negotiated for each consignment of goods

Examples of causes of damage to goods in transportation

  • Accidents with means of transportation,
  • natural disasters,
  • damage during handling of the consignment (loading, unloading or reloading of goods),
  • collapse of bridges or warehouses,
  • theft of goods or robbery,
  • contribution rate to the general average.

Optional additional insurances

  • War and strike insurance
  • In-house transport insurance (insurance for the transport of own goods and/or work equipment with own means of transport)
  • Insurance of goods at exhibitions and fairs
  • Insurance of salvage and removal costs
  • and more

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