Quick answer
Before a shipment moves, ask the insurer or broker what cargo, route, transport mode, declared value, exclusions, security conditions, and claims evidence the policy covers. Cover varies by policy; obtain written confirmation rather than assuming a transport booking includes insurance.
Confirm what is actually covered
Ask which goods, transport legs, locations, and events are included, and what exclusions or limits apply. Clarify whether the policy is arranged for a single shipment or applies under a wider open cover arrangement. The policy wording controls; a general description is not a substitute.
Check declared value and responsibilities
Ask how the insured value should be calculated, who must declare the shipment, when cover starts and ends, and whether subcontracted transport is included. Keep the answers and certificate or policy reference with shipment records.
Understand security and handling conditions
Some policies specify packaging, vehicle security, approved routes, loading procedures, or other conditions. Make sure operational teams can meet them and know what evidence to retain.
Know the claims process before dispatch
Record cargo condition before loading, preserve invoices and transport documents, and agree how incidents should be reported. Ask the insurer or broker about notification deadlines, survey requirements, and supporting evidence. Contact them immediately if damage or loss occurs.
Frequently asked questions
Does a haulage quote automatically include cargo insurance?
Not necessarily. Ask for written confirmation of whether cover is included, who provides it, and the policy terms.
Can a logistics company explain whether my policy covers a loss?
The insurer or broker should interpret the policy and confirm coverage for the specific shipment and circumstances.
Requirements and responsibilities vary by shipment and agreement. Confirm current regulatory requirements with the relevant authorities and qualified professionals.
Need help planning a shipment? Talk with XHUN about your logistics requirements.