We are glad to offer our Clients the automatic insurance cover of their cargo based on the maximum insurance available according to Institute Cargo Clauses (A) 1/1/09
An advantage of this solution is the guarantee of efficient damage liquidation, fast payments of compensations and, in case of sea freight, covering the costs of general average and salvage costs. To conclude an insurance policy, it is necessary to declare the value of cargo in a forwarding order.
Please find below the terms and conditions of cargo insurance:
ALL LINES LOGISTICS Sp. z o.o.
Towarzystwo Ubezpieczeń i Reasekuracji „WARTA” Spółka Akcyjna
A person / company with an insurable interest in the object of insurance at the time of damage origin.
The amount indicated on the Policy deducted from the final compensation.
Subject of insurance
- All containerized cargo transported by professional carriers by sea and / or land and / or air being subject to a commercial contract, for which the forwarding services shall be provided by the Policy Holder, unless it is excluded from the general agreement (see below).
- All non-containerized cargo (over-sized cargo excluded) transported by professional carriers, by sea and / or land and / or air, being subject to a commercial contract, to which the forwarding services shall be provided by the Policy Holder, unless it is excluded from the general agreement (see below).
Cargoes excluded from insurance cover:
- cigarettes and alcohol beverages (excluding beer) transported by land;
- computer data storage devices, graphic cards and processors of value in excess of PLN 100,000 per one trasport load/truck;
- mobile phones and accessories of value in excess of PLN 100,000 per one trasport load / truck;
- television sets, radios, and household goods of value in excess of PLN 300,000 per one transport load / truck;
- live animals;
- works of arts, objects of significant scientific, cultural and artistic value, numismatic and stamp collections, objects of value to collectors;
- pecuniary value: domestic and foreign legal tenders, cheques, promissory notes and other documents used as alternatives to cash transactions: as well as precious metals, platinum, gold, silver and products made of the above-mentioned metals; precious and semi-precious stones;
- perishables (as specified in the Schedule to the Regulation of the Council of Ministers of 19 December 1997, Item 1051);
- possessions transported as hand luggage;
- postal deliveries;
- cement, fish meal, crude oil, cereal, coal, and timber;
- corpses and human remains;
- vehicles transported by open means of transport;
- containers as cargo, i.e. exclusive of cargo transported in containers.
The above-mentioned cargo may be insured subject to specific terms and conditions agreed with the Insurer. The Insurer shall not be liable for any damage involving the loss of information recorded on any data storage devices, including magnetic and optical ones.
The liability of the Insurer commences only after taking over goods for transport by the Policy Holder. If the Policy Holder receives an order for insuring imported cargo and does not handle sea freight but handles the cargo only in next transport stages, the liability of the Insurer starts when cargo gets over the ship’s side at the port of loading.
- by air: all the world,
- combined by sea and land: all the world,
- combined by air and land: all the world
Insurance terms and conditions
1. The cargo shall be insured against all transport risks as per terms and conditions shown below, subject to regulations in point 8:
Sea and land transport:
Institute Cargo Clauses (A) 1/1/09
2. The cargo shall be insured against the risks of loading and discharging as per the following clauses:
Subject to other provisions in the relevant Institute Cargo Clauses, the insurance covers any loss and / or damage to cargo as a consequence of fall, impact and / or damage by loading equipment during loading operations to the means of transport and related thereto, carried out before transport in a location determined in the insurance policy as the place of commencing insurance cover.
Loading operations begin when cargo is lifted at the storage place indicated as the place of commencing insurance protection, to be placed directly on the means of transport; loading operations end when cargo is placed and fixed on the means of transport.
Subject to other provisions in the relevant Institute Cargo Clauses, the insurance covers any loss and / or damage to cargo as a consequence of fall, impact and / or damage by discharging equipment during discharging operations from the means of transport and related thereto, carried out after transport in a location determined in the insurance policy as the place of finishing insurance cover.
Unloading operations begin when transport protections are removed from cargo on the means of transport directly after transport operations; unloading operations end when cargo is placed at the storage site of the receiver directly after removing from discharging equipment.
3. Cargo is insured against political risks on the following terms and conditions:
Institute Strikes Clauses (Cargo) 1/1/09
However, the insurance against political risks does not cover any transport to, from or via countries and regions of increased political risk, listed in the attachment to this Policy. Moreover, the Insurer reserves the right to modify the List in case of changes in the political situation.
4. Deductible of PLN 400 shall apply to each damage instance.
Institute Replacement Clause 1/1/34
5. The following clauses shall apply to any cargo insurance:
Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons Exclusion Clause 10/11/03
Institute Cyber Attack Exclusion Clauses 10/11/03
6. Additionally, the insurance covers:
- breakages understood as damage arising from natural properties of goods, provided that the cargo has been properly packed and prepared for transport, and,
- costs of utilization (physical destruction) of a whole or part of a load unusable for any purposes as a result of an event covered by this insurance, not more, however, than PLN 50,000 per one event with regard to shipping operations. Costs of utilization shall be reimbursed over the sum insured.
7. Used property (other than brand new) can be insured on terms and conditions of the Institute Cargo Clauses (A) 1/1/09, provided its condition and completeness before the start of transport are confirmed with photo documentation and a loading report or an opinion of an independent expert.
1. The sum insured is the actual value of cargo at the place and time of loading, specified in the commercial invoice of the seller, increased by the transport and insurance costs, provided such costs are not included in the invoice, and by 10% (110% CIF value).
On terms and conditions of the following clause
enclosed to the Policy. The sum insured may be increased by:
- tax expenses (value added tax); and
- customs duty payable in the destination country or, if cargo is sold in transit, customs duty in the transit country.
2. The maximum limit of the sum insured per one vessel amounts to EUR 3,000,000 or the equivalent of this amount in another currency.
3. The maximum limit of the sum insured per one truck amounts to EUR 800,000 or the equivalent of this amount in another currency.
4. The maximum limit of the sum insured per one plane amounts to EUR 1,500,000 or the equivalent of this amount in another currency.
5. Any cargo with the sum insured in excess of the amounts specified in Items 2-4 above shall not be covered by insurance under the Policy, unless insurance terms and conditions for the cargo are agreed upon in advance.
6. The total sum insured is converted into PLN at an average NBP exchange rate as of the date of reporting cargo for insurance.
1. Upon receiving information concerning loss or damage to the insured cargo, the Insured / Policy Holder shall notify the Insurer immediately. The Insurer may limit the compensation by the amount that arises as a consequence of the failure to give a proper notice.
2. The Policy Holder / Insured is obliged to deliver to the Insurer any documents and information necessary to determine the circumstances of damage, its cause and volume, in particular:
a) an insurance policy / certificate of cargo or the number of Policy, the date and place of its issue;
b) the calculation of the claim,
c) a commercial invoice and a packing list,
d) B/L or CMR or AWB or another document as proof of carriage,
e) a certificate made by the carrier or with his participation or, if not feasible, by the Insured or the Policy Holder or by the receiver of cargo, if possible in the presence of a third party,
f) a report by a surveyor (if available) or other persons authorised to act as surveyors,
g) the transfer of rights, and
h) any additional information that may be relevant for assessing the causes and value of damage as well as the Insurer’s liability.
3. The Policy Holder / Insured shall use all means available to minimise damage to the insured cargo and to secure any exposed cargo against damage, as well as to utilise any damaged or destroyed cargo. The Insurer shall reimburse any costs incurred by the Policy Holder / Insured due to the use of such means, if used reasonably, even if they prove ineffective or the value of such expenditures together with compensation exceeds the sum insured. If the Policy Holder / Insured fails to fulfil the above-mentioned obligation intentionally, the Insurer shall not be liable for any resulting damage.
4. The Policy Holder / Insured shall take any actions necessary for the Insurer to seek recourse against any third parties responsible for the origin of damage (i.e. a carrier, personnel responsible for transshipment, an inspection firm, a storage operator, and others), on terms and conditions set forth in contracts with such persons or pursuant to applicable rules of law, and shall send the relevant documentation to the Insurer. Moreover, the Policy Holder / Insured shall inform the Insurer of any circumstances they may be aware of that may affect the assessment of claims against persons who may be subject to recourse. The Insurer may refuse to pay compensation or reduce it accordingly if the Policy Holder / Insured waives claims against third parties liable for damage.
5. The Insurer shall pay the compensation within 30 days from the date of receiving a notice of a loss or damage, provided that all the necessary documents have been delivered to the Insurer within 14 days from the damage occurrence. If it is not possible to establish the Insurer’s liability or the amount of compensation within the period of 30 days, the compensation shall be paid within 14 days from the date of clarifying those circumstances. However, any undisputed parts of compensation shall be paid by the Insurer within 30 days after the receipt of notice of a loss or damage.
6. The compensation payable to the Insured with his registered office in Poland shall be paid to the Insured’s account in Polish zlotys (PLN) based on the table of Average Exchange Rates of the Polish National Bank on the day of issuing the decision granting the compensation.
7. The compensation payable to the Insured having his registered office in any other country shall be paid to his account in the currency of the sum insured.
8. In case of any loss or damage, please contact:
Centralnego Biura Likwidacji Szkód Klientów Korporacyjnych w Gdyni
81-332 Gdynia, ul. Kołłątaja 1
tel. (58) 662 44 40 lub (58) 662 44 09 lub (58) 662 44 24
fax: (58) 662 45 15 lub (58) 662 44 10
or (only in case of damage caused / found abroad)
the nearest Lloyd’s agent – the list is available on the following website:
The following regulations shall apply to any issues not governed herein:
- Clauses that determine the insurance terms and conditions
- Polish Civil Code — the uniform text (Journal of Laws No. 16 from 1964, Item 93) with subsequent amendments
- Polish Maritime Code — the uniform text (Journal of Laws No. 138 from 2001, Item 1545) with subsequent amendments
- Act of 22 May 2003 on insurance activity (Journal of Laws No. 124, Item 1151) with subsequent amendments, and
- Other applicable regulations.