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Marine Cargo Insurance

Marine Cargo Insurance (Goods in Transit)

Marine Cargo Insurance – Single consignment to annual insurance for anyone transporting goods nationally or internationally. All-Risk insurance with very few exclusions. Our expert brokers will advise you on every aspect of covering your goods in transit correctly from household belongings to manufactured products.

Arranged by Primo

Single Consignments

Arranging marine cargo insurance for a single consignment is ideal for private individuals who need to 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 their goods that don't ship cargo on a regular basis.

Those based in the UK, you may also cover goods transported from anywhere in the world to any destination using our marine insurance policy.

Annual Marine Cargo Insurance

Ideal for businesses based in the UK that move goods anywhere in the world on a regular basis. Cover provided is All Risk but please check as there are some exclusions, your broker will make all details of your policy clear.

With many years of experience in arranging marine cargo insurance for national and international cargo and freight transportation we have built up good relations with both Lloyd's and other marine insurance companies, this enables us to not only find the correct cover you need quickly and smoothly it also enables us to find the most economical premiums.

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

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.

Please note that this is not a full list. Additional documentation could be requested depending on the specific circumstance of the claim

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.

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

Your Broker

Always speak to a real person. You will have an assigned broker.


Our brokers ensure obtaining your insurance is simple and straightforward


Correctly covering your business gives you great peace of mind.

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.

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 Contractors' Insurance

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

Need help?

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