Product overview
Marine & Aviation Insurance explained
Marine and aviation cover protects high-value cargo, hulls and operator liability across complex multi-modal transport chains. Critical for importers, exporters, freight forwarders and aviation operators.
What does Marine cover?
Marine cargo policies cover physical loss or damage to goods while in transit by ship, road, rail or air, between named ports or warehouses. Aviation liability covers operator legal liability to passengers and third parties on the ground.
Why you may need it
- Cover for high-value cargo across multi-modal journeys.
- Protection during loading, transit and warehousing.
- Aviation operator legal liability cover.
- Required by most letters of credit and shipping contracts.
Cover types
- Marine Cargo (Institute Cargo Clauses A, B or C).
- Marine Hull (vessel itself).
- Aviation Liability (operator + ground handlers).
- Freight insurance and demurrage extensions.
What you need to apply
- Cargo description and total insured value.
- Origin and destination ports / airports.
- Mode of transport and packaging.
- Bills of lading and shipping documents, where available.
Common exclusions
- Inherent vice and ordinary wear.
- Insufficient or improper packaging.
- Delay-related losses (unless extended).
- War and strikes risks (typically a separate rider).