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"Thanks Primo for covering our home contents while shipping."

At Primo, we like all our clients to feel this way

Marine Cargo Insurance

Trusted Marine Cargo Insurance from Experienced Brokers | Primo

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.

For Individuals: Single Consignments

a couple pack up their belongings
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 coverage. 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 coverage options can be daunting. We provide clear explanations of insurance policies, terms, and conditions, ensuring individuals thoroughly understand their coverage 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

Forklift loading a lorry
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 minimize disruptions to your business operations. With us, you can rest assured that your claims will be handled professionally with utmost care and efficiency.

Why Choose Primo For Marine Cargo Insurance?

  • Industry Expertise:

    With years of experience in marine cargo insurance, we bring in-depth knowledge and expertise to every client interaction, offering informed recommendations and solutions tailored to specific needs.
  • Personalised Approach:

    We understand that every business and individual has unique requirements. We take a personalised approach, ensuring clients receive bespoke insurance solutions and attentive service throughout their insurance journey.
  • Claims Advocacy:

    Beyond arranging insurance, we stand by our clients during the claims process, advocating to ensure fair and efficient settlements, thereby building long-lasting relationships based on trust and reliability.
  • Stay Informed:

    We inform our clients about industry trends, regulatory changes, and emerging risks that may impact their insurance needs, empowering them to make informed decisions and manage cargo-related risks.
Get in Touch:
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.
Let's navigate the seas of international trade together, ensuring peace of mind and security for your cargo journeys.
Simple and Straightforward
Broker talking on the phone while writing notes sat at his desk
We ensure obtaining your insurance is simple and straightforward.

Single Consignment Policy

Couple packing up their home to move
Ideal for one off shipments. To get started, please fill out this form.

Annual Marine Cargo Policy

Forklift loading a lorry
If you ship goods on a regular basis an annual policy would be beneficial.

Policy Benefits Include:

  • The Cover includes the risks of loading and unloading.
  • Comprehensive Marine Cargo & Freight Liability Policy wordings.
  • Competitive Premiums.
  • 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.

Let's get you covered as quickly and simply as possible

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.
To get started or if you need to speak to a broker, please follow one of the links below.

Single Consignment Policy

Couple packing up their home to move
Ideal for one off shipments. To get started, please fill out this form.
Simple and Straightforward
Broker talking on the phone while writing notes sat at his desk
We ensure obtaining your insurance is simple and straightforward.

Annual Marine Cargo Policy

Forklift loading a lorry
If you ship goods on a regular basis an annual policy would be beneficial.

Marine Cargo Insurance Conditions and Exclusions

Conditions and significant and unusual exclusions or limitations

  • Loss damage or expenses caused by inherent vice or nature of the subject matter insured.
  • Insufficiency or unsuitability of packing or preparation of the subject-matter.
  • If required, goods can be insured at the Owner’s premises and/or at exhibitions up to £250,000 without application of an Alarm Warranty.
  • In the event of a claim for loss or damage to any part or parts, the amount recoverable shall not exceed such proportion of the cost of replacement of the part or parts lost or damaged as the insured value bears to the value of a new machine, plus additional charges for forwarding and refining the new part or parts.
  • No claim is to attach to the Cover for damage to the goods insured which may be sustained whilst the goods are under any process, and directly resulting there from
  • An Alarm Warranty applies when goods are insured at the Owner’s premises and/or at exhibitions valued over £250,000.
  • Excluding all transits except in respect of transits from Assured premises in the United Kingdom and/or EU countries to exhibitions, fairs, functions, rallies, venues of formal entertainment and venues

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.

Frequently Asked Questions

  • What is marine cargo insurance?

    This insurance covers transportation carried out in water, air, road, rail, registered post parcel and courier. Transportation and goods are covered from damage due to cargo loading/unloading, weather contingencies, piracies and other relevant issues. Mostly, this insurance covers international transportation.
  • Why do I need a marine cargo insurance policy?

    When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Legally, all carriers must carry a minimum amount of insurance, known as carrier liability. However, carrier liability provides very limited coverage, and anything from natural disasters to vehicle accidents or even acts of war could damage your cargo.
  • Are there restrictions or exclusions on household items?

    There are a few restrictions when it comes to the type of goods being transported. Very few exclusions are inherent in a typical marine transit insurance policy for household goods.
  • What are incoterms?

    International Commercial Terms (Incoterms®) are a set of pre-defined commercial terms developed by the International Chamber of Commerce. They set out the reciprocal obligations of the seller and buyer as part of an international sale/purchase contract.
  • If I need to make a claim who should I contact?

    Give us a call straight away as all marine insurance claims are handled in house by our marine insurance team.
  • What is the difference between carrier liability and marine cargo insurance?

    Carrier liability is the minimum insurance coverage required by carriers, offering limited protection. Marine cargo insurance provides comprehensive coverage against a wider range of risks, including natural disasters, accidents, theft, and more.
  • What are the key risks covered under marine cargo insurance?

    Marine cargo insurance covers risks such as damage due to rough handling during loading/unloading, theft, fire, sinking of vessels, collisions, and even war risks depending on the policy.
  • Can marine cargo insurance be tailored for specific industries or types of goods?

    Yes, marine cargo insurance can be tailored to suit the specific needs of industries or types of goods being transported. This ensures that coverage is comprehensive and relevant to the risks associated with the cargo.
  • How does marine cargo insurance protect against financial losses during international shipping?

    Marine cargo insurance provides financial protection against potential losses incurred during international shipping, including damage or loss of goods, customs-related issues, and delays in delivery.
  • Are there additional coverages available under marine cargo insurance policies?

    Yes, additional coverages such as warehouse-to-warehouse coverage, delayed shipment coverage, and coverage for perishable goods can be added to marine cargo insurance policies based on the insured's requirements.
  • What steps should I take in the event of cargo damage or loss during transit?

    In case of cargo damage or loss, notify your insurance provider immediately and provide detailed documentation of the incident. Your insurer will guide you through the claims process to ensure prompt resolution and compensation.
  • Do marine cargo insurance policies cover goods transported via different modes of transportation?

    Yes, marine cargo insurance can cover goods transported via water, air, road, rail, registered post parcels, and courier services, offering comprehensive protection across various transportation methods.
  • Can I insure goods under marine cargo insurance for a single shipment or on an annual basis?

    Marine cargo insurance policies can be arranged for single shipments or on an annual basis, depending on the frequency of cargo shipments and the insured's preferences.
  • How are marine cargo insurance premiums calculated?

    Marine cargo insurance premiums are typically calculated based on factors such as the value of the cargo, mode of transportation, shipping routes, packaging quality, risk factors associated with the cargo, and desired coverage limits.
  • Is marine cargo insurance mandatory for all international shipments?

    While marine cargo insurance is not legally mandatory for all international shipments, it is highly recommended to mitigate risks and protect against unforeseen events that could result in financial losses during transit.
  • Can I extend marine cargo insurance coverage to cover goods in temporary storage or during exhibition/trade shows?

    Yes, marine cargo insurance coverage can be extended to protect goods while in temporary storage, transit to exhibitions/trade shows, and other specified scenarios, providing comprehensive protection throughout the supply chain.
  • What are the common exclusions under marine cargo insurance policies?

    Common exclusions may include losses due to inadequate packaging, inherent vice or nature of the goods, willful misconduct, delayed delivery without damage, and exclusions specified in the policy terms.
  • What role do insurance brokers play in securing the right marine cargo insurance coverage?

    Insurance brokers assist in evaluating cargo risks, sourcing competitive quotes from insurers, reviewing policy terms and conditions, providing expert advice on coverage options, and facilitating claims handling and support.
  • Does marine cargo insurance provide coverage for losses due to trade sanctions or embargoes?

    Marine cargo insurance typically excludes coverage for losses arising directly from trade sanctions, embargoes, or other government actions that restrict or prohibit trade activities. It's important to review policy exclusions carefully.
  • Are there specific requirements or certifications for cargo packaging or handling to qualify for marine cargo insurance coverage?

    Insurers may have specific requirements or recommendations for cargo packaging, handling, stowage, and transport methods to reduce risks and qualify for optimal marine cargo insurance coverage. Compliance with industry standards and best practices is encouraged.
To get started or if you need to speak to a broker, please follow one of the links below.

Single Consignment Policy

Couple packing up their home to move
Ideal for one off shipments. To get started, please fill out this form.
Simple and Straightforward
Broker talking on the phone while writing notes sat at his desk
We ensure obtaining your insurance is simple and straightforward.

Annual Marine Cargo Policy

Forklift loading a lorry
If you ship goods on a regular basis an annual policy would be beneficial.

Other Insurance You May Be Interested In

Our brokers would be more than happy to assist you with any of the following.

Freight Forwarders Liability

Freight and goods Insurance are available for businesses based in the United Kingdom.

Boat Club Insurance

Commercial combined insurance arranged for a wide variety of leisure boat clubs.

Marine Trades Insurance

Maine trade insurance is a Commercial Combined Policy designed to cater for a wide variety of businesses.

Haulage Insurance

Insurance cover specifically designed and tailored for UK hauliers and warehouse owners.
Need Insurance help?

Call us at 01702 225 440

Brokers are available 9 am till 5 pm Mon-Fri.
Have us call you!

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