Marine Cargo Insurance

Why choose Howden for Marine Cargo Insurance?

Howden is the new name for Primo.

As an insurance broker,  we believe it is our responsibility to do the heavy lifting for, so you don’t have to. This is no different when sourcing marine cargo insurance.

Thanks to the collaborative relationships we have with our selected panel of specialist marine insurers, we make the process of comparing multiple policies, on your behalf, straightforward and hassle free. What’s not to like?

Our team also understands that each policy needs to be as individual as its owner, and that’s why we provide a tailored service, focused on getting to know you and finding out exactly what you want from your marine cargo insurance.

All in all, just know, that we’re here to help, whether you need to purchase a new marine policy, renew an existing one, or even just make a claim.

Benefits of working with Howden:

• Industry expertise: with years of experience in marine cargo insurance, we bring in-depth knowledge and expertise to every client interaction.
• Personalised approach: we understand that every business and individual has unique requirements.
• Claims advocacy: beyond arranging insurance, we stand by our clients during the claims process.
• Stay informed: we inform our clients about industry trends, regulatory changes, and emerging risks that may impact their insurance needs.

Howden’s Marine Cargo Insurance

As marine cargo insurance brokers in the UK, we specialise in helping businesses and individuals navigate the complexities of insuring goods during transit by sea, land, and air.

Marine cargo insurance is a crucial aspect of international trade and logistics, providing financial protection against the various risks that goods face while being transported across oceans, roads, and through the skies.

Types of Marine Cargo Insurance

For Individuals: Single Consignments

Arranging marine cargo insurance for a single consignment is ideal for private individuals who must cover their household goods when emigrating or immigrating; it is also beneficial when importing or exporting a vehicle from or to the UK.

The cover is also suitable for businesses needing to import or export goods that don't regularly ship cargo. Those based in the UK may also cover goods transported from anywhere in the world to any destination using our marine insurance policy.

Personalised Service:

We understand that shipping personal belongings or valuable items internationally can be a personal and emotional process. That's why we offer a personalised service, working closely with individuals to understand their unique shipping requirements and provide tailored insurance solutions to protect their belongings during transit. We value your items as much as you do.

Peace of Mind:

Shipping valuable items such as artwork, antiques, or personal effects can be stressful without insurance cover. We offer peace of mind by arranging comprehensive marine cargo insurance that covers loss, damage, or theft, allowing individuals to focus on other aspects of their relocation or shipment.

Expert Advice:

Insurance terms and cover options can be daunting. We provide clear explanations of insurance policies, terms, and conditions, ensuring individuals thoroughly understand their cover and rights in case of unforeseen events.

Claims Assistance:

If a claim is brought against you, we offer dedicated support to individuals, guiding them through the claims process and liaising with insurers to facilitate timely resolutions. We aim to make the claims process seamless and stress-free for our clients.

For Businesses: annual Marine Cargo Insurance

Our annual policy is a valuable asset for businesses based in the UK that regularly move goods worldwide. The cover we provide is All Risk, with a few exclusions that your broker will clarify. This insurance not only protects your shipments but also offers peace of mind, allowing you to focus on your core business operations.

With our extensive experience in arranging marine cargo insurance for national and international cargo and freight transportation, we have established strong relationships with Lloyd's and other marine insurance companies. This allows us to efficiently find the right cover for your needs and secure the most competitive premiums, ensuring your cargo is protected at the best possible cost.

Tailored Coverage:

Businesses involved in importing or exporting goods understand the significance of reliable transportation. We work closely with businesses to understand their cargo needs, ensuring they receive tailored coverage that aligns with their shipping volume, cargo types, and destination countries.

Risk Assessment:

Conducting thorough risk assessments is critical to mitigating potential losses. We assist businesses in identifying and understanding the risks associated with their shipments, whether related to theft, damage, or natural disasters and recommend suitable insurance solutions.

Comprehensive Policies:

We offer comprehensive marine cargo insurance policies that cover various scenarios, including total loss, partial damage, theft, and delivery delays. These policies can be customised to include additional coverage for high-value goods or specialised cargo types.

In the case of a loss or damage during transit, our dedicated team will guide you through the claims process. We ensure prompt and fair settlements, leveraging our expertise in claims management to expedite the resolution and minimise disruptions to your business operations. With us, you can rest assured that your claims will be handled professionally with utmost care and efficiency.

What does a Marine Cargo Insurance policy include?

You can expect a Howden marine cargo policy to include the following:

• Cover against the risks of loading and unloading.
• Comprehensive marine cargo & freight liability policy wordings.
• Annual policies or single shipment covers available.
• Cover available for household & personal effects and private motor shipments.
• Claims dealt with ‘in house’ not by third parties or call centres.

Typical cargo freight exclusions

Geographical Exclusions such as higher than normal risks of war or terrorism, countries where there may be trade sanctions in place, inland journey’s where the risk of theft is unacceptable. Some countries require buyers to insure via local markets or state insurance corporations.

Goods Exclusions such as items banned for international trade, high-risk items such as certain chemicals or arms and weaponry, sometimes there may be exclusions concerning foodstuffs or biological freight due to restrictions in particular countries.

Goods that are also excluded

Mobile Phones - Bullion, precious metals, diamonds, precious stones and the like - Cash, bank notes, treasury notes, stamps, bonds, securities and the like - Tobacco, cigarettes and cigars - Livestock - Microchips and SIMMS/DIMMS and similar

Please make broker aware of the following

Jewellery, watches and the like - Drugs pharmaceuticals and medicines - Fresh meat, fish, vegetables and/or perishable foods of whatsoever nature.

Marine Cargo Insurance claims information

In the event of having to report a claim to us please notify us on 01702 225 440 during normal business hours or email us as soon as possible. To enable any claim to be dealt with promptly please provide the following:

• Insurance policy or Certificate of Insurance
• Statement of claim – explanation of loss, extent of damage etc
• Commercial Invoice
• Packing List
• Bill of Lading (goods by sea) / Airway Bill (goods by air) / Consignment Note (goods by road)
• Delivery Receipts
• Notice to Carriers – Depending on how the cargo was transported a general guideline is as follows

Shipping Line:

Within 3 days from the time of delivery.

Airline:

Within 14 days from the time of delivery.

Road:

Within 7 days from the time of delivery.

Whether you are a business shipping goods globally or an individual relocating valuables overseas, marine cargo insurance is a vital safeguard. Contact us today for a consultation and discover how we can help protect your shipments and assets during transit.