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CARGO insurance protects the full value of your goods in transit, regardless of who is at fault or whether the carrier is liable at all. It is a policy for the cargo owner, not for the carrier. We recommend it for high-value, lightweight and sensitive loads, where the statutory liability limit falls short.
What it covers
- The full declared value of the goods, not the carrier weight cap
- Damage, destruction and loss of cargo during carriage
- Theft and robbery, including at truck parks and overnight stops
- Accidental events: collision, fire, overturning of the unit
- Higher-risk routes across Poland, the United Kingdom, Switzerland and Europe
- Light but costly goods (electronics, parts, cosmetics)
- Optional cover for loading, transhipment and storage in our warehouses
- Terms matched to the type of goods and the value of the shipment
How we do it
We start from the declared value of the load and the nature of the route. In your enquiry through the form you give the goods, value, lane and packing method, and we match the scope of the policy to the real risk, instead of selling one template for everything.
We combine the insurance with road transport, customs clearance and warehousing in Kielce, Legnica and Milton Keynes, so the goods are protected across the whole leg, not only on the wheels. If a loss occurs, we help assemble the evidence: the CMR note with reservations, a damage report and proof of value, which speeds up the payout.
Limits of the service (what it does NOT cover / what to know)
CARGO is not the same as carrier OCP liability insurance. OCP responds only when the carrier is at fault, and the CMR Convention (Article 23(3)) caps that liability at 8.33 SDR per kilogram of gross weight. For a pallet of electronics that amount can be a fraction of the invoice. Without CARGO you cover the difference yourself, and in cases of force majeure, an inherent defect of the goods or poor securing by the loader the carrier may be released from liability entirely. The policy is not retroactive and does not replace an honest declaration of value, which is why we set the value and scope before departure, not after a loss.
