Marine Cargo Insurance is designed around the transit of goods, but a transit can involve more than the period when the goods are physically moving.

Depending on the policy, cover can extend to certain loading, unloading and incidental storage exposures.

When does transit start? #

The starting point is determined by the policy wording.

Depending on the cargo clauses, cover may commence when goods are first moved from their place of storage for the purpose of beginning the insured journey.

Does cover continue during unloading? #

It can.

Some policies continue through the ordinary unloading process until the goods reach the point where the insured transit ends.

The exact termination point depends on the wording and circumstances.

What about temporary storage? #

Certain incidental storage during the ordinary course of transit can be covered.

Examples may include goods:

• Waiting for transfer to another transport method.
• Temporarily held at a terminal.
• Delayed during the normal transport process.
• Held because of circumstances outside the insured’s control.

Is warehouse storage automatically covered? #

No.

Long-term storage or storage that is no longer part of the ordinary transit may fall outside cargo insurance.

A separate property, stock or storage arrangement may be required.

Why should unusual transit arrangements be disclosed? #

Tell Webber Insurance if goods will involve:

• Extended storage.
• Multiple warehouses.
• Exhibition or demonstration periods.
• Installation before delivery is complete.
• Unusual loading or unloading.
• Project staging.

These arrangements can affect when the cargo cover begins and ends.