Cargo insurance and carrier liability
Two different routes to compensation can apply to a shipment. Understand what is being offered before paying for cover.
Ask which promise you are reading
Carrier liability concerns the responsibility of a transport or service provider under the applicable contract and law. Cargo insurance is a separate policy with its own insurer, insured interest, covered events and conditions. A provider saying “your box is covered” should explain which of these it means.
Read the scope before comparing a premium
Ask who is insured, what goods are eligible, how value is established and when cover begins and ends. Check whether collection, temporary storage, international transport and local delivery fall within the insured journey. Do not infer coverage for a stage that the wording does not address.
Check limits, excess and exclusions
A policy may apply a limit to a shipment, box or category of item, and an excess may reduce a payable claim. Ask how packing standards, fragile items, unexplained missing contents and delayed arrival are treated. Only the actual wording can answer those questions for a particular product.
Keep evidence before anything goes wrong
Build a contents record and retain available receipts, photographs and handover documents. Make sure the box reference on the booking can be connected to the insurance evidence. Ask whether value must be declared or approved before dispatch; paying a premium does not necessarily establish every item’s value.
If you need to report a loss
Notify the responsible provider promptly and check the actual policy and contract deadlines. Describe facts, preserve packaging and keep a copy of the notice. A carrier complaint and an insurer claim may be separate processes; ask whether both notifications are necessary.
TulayBox has not launched a cargo-insurance offer. This guide is an explanation of questions to ask, not a quotation, statement of cover or interpretation of a particular policy.