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FAQs

It's cover for goods accidentally lost or damaged during an insured single transit within Australia*. We've got your insured goods covered – whether it's carried by road, rail, boat or air.

*including Tasmania & Australian external territories (excluding Antarctic territories). We do not cover any import and/or export.

Cargo Protect Single Transit Insurance is intended for

  • owners of cargo/goods, or
  • senders/sellers, or
  • receivers/buyers;

who require insurance on those items whilst being transported within Australia.

We do not cover / insure:

  • Refrigerated or temperature sensitive/controlled goods including: frozen and/or chilled meat, seafood or foodstuffs, pharmaceuticals, medicines, vaccines, veterinary products;
  • Livestock or live animals, including domestic pets, bloodstock, stud stock;
  • Live plants, flowers;
  • Fragile goods, including: stone slabs/benchtops; glass panels/panes/plates; scientific/lab/medical instruments;
  • Audio/visual recordings;
  • Works of art, paintings, antiques;
  • Precious metals and stones, jewellery and watches, collections, money (which means any coin or banknote), bullion, cheques, credit or other card sales vouchers, securities, shares, bonds, deeds, bills of exchange, or any documents that represent money or title;
  • Radioactive or explosive goods, weapons, ammunition;
  • Cigarettes or tobacco products;
  • Relocatable/transportable buildings (not kit form or flat pack)
  • Over dimensional loads;
  • Buses or coaches;
  • Aircraft;
  • Cranes and hoists
  • Any other described as excluded goods on Your Policy Schedule

Please note there is no cover for the above provided under this Policy.

The full terms, conditions, limits and exclusions are shown in the product disclosure statement (PDS).

We provide a comprehensive cover for peace of mind.

Not all Single Transit Insurance policies are the same. Some restrict cover to certain circumstances.

This policy provides full accidental damage cover, which includes loss or damage to your insured goods resulting from a deliberate act of a third party or act of terrorism during insured transit.

Please refer to your policy schedule. The full terms, conditions, limits and exclusions are shown in the product disclosure statement (PDS).

Be careful not to assume your goods are automatically covered during transit.

Senders / sellers / suppliers of goods aren’t necessarily obligated to cover goods on a delivery. They may leave it to the receiver / buyer of goods to work it out.

Equally, not all transporters cover the goods they carry.

Some have policies limited to defined events but may exclude damage if goods are accidentally dropped whilst being unloaded.

Other transporters may have trading terms which specifically exclude damage cover during transit.

This can get complicated – especially when there are multiple modes of transport involved – which in most cases you won’t even be aware of.

Take the hassle and guesswork out – look after your goods with Cargo Protect Single Transit Insurance.

For motor vehicle, motorcycles, caravan, trailer and trailered boat

 

Cover commences:
When the motor vehicle, motorcycle, caravan, trailer or trailered boat is first moved within 200 meters of the carrying conveyance for the purpose of immediately loading it onto the carrying conveyance for the insured transit;

 

For all other insured goods (except motor vehicle, motorcycle, caravan, trailer and trailered boat)

 

Cover commences:
a) When the goods are first moved for the purpose of being loaded onto the conveyance for transit to a destination outside the premises,
b) And continues during the ordinary course of transit

Cover terminates:
When the motor vehicle, motorcycle, caravan, trailer or trailered boat is last moved at the destination in connection with the insured transit but within 200 metres of the carrying conveyance.

 

For all other insured goods (except motor vehicle, motorcycle, caravan, trailer and trailered boat)

 

Cover commences:
a) On completion of unloading of the goods from the conveyance in or at the final warehouse or place of storage at the contracted destination; or
b) On completion of unloading of the goods from the conveyance in or at the final warehouse or place of storage whether prior to or at the contracted destination, which you or your employees elect to use either for storage (other than in the ordinary course of transit) or for allocation or distribution; or
c) When you, your employees or agents elect to use any conveyance or shipping container for storage other than in the ordinary course of transit; or
d) On the expiry of seventy two (72) hours after unloading from the final conveyance but before delivery in to the final warehouse; or
e) At the contract destination

Whichever shall first occur.

No, you must purchase cover before transit commences

Your sales/purchase invoice will help determine the insurable value

  • $50,000 AUD maximum – including all charges like GST, duties, freight costs
  • Round up declared value to the nearest dollar
  • Value declared is referred to as ‘sum insured’ in your policy documents

Should you have a claim, we will pay the lesser of the

  • Invoice value
  • Market value; or
  • Cost to repair / reinstate to a condition equal to but no better than immediately prior to loss or damage

Special conditions apply to vehicles. Please refer to the ‘HOW MUCH WE WILL PAY’ section of the PDS

The full terms, conditions, limits & exclusions are shown in the Product Disclosure Statement (PDS).

We provide cover Australia wide only (including Tasmania & Australian external territories, but excluding Antarctic territories).

We do not cover any import and/or export.

If you need cover for import/export, longer journeys or even an annual policy, more appropriate covers may be available from Marine Protects’ other policies https://www.marineprotect.com/.

Please note – these are subject to underwriting guidelines and exclusions.

We recommend seeking expert advice. If you already have an insurance broker acting on your behalf, please give them a call. Otherwise, find your nearest insurance broker via www.needabroker.com.au.

A cooling off period applies. You have 21 days to consider this policy to be sure you have the cover you require.

There are terms and conditions. If the transit has commenced, the policy cannot be cancelled.

Terms and Conditions can be found here.

To contact us with a complaint or provide feedback, please email us at cargoclaims@nti.com.au

An excess may apply and will be shown on your policy schedule.

When you make a claim under this policy, you may be asked to pay an excess. This is the amount you contribute towards the cost of your claim.

The claim must be made by the policy holder, that is, the person who has purchased the insurance policy.

Where is a claim is payable, we will only pay the policy holder.

An excess may apply and will be deducted from any payments made.

Depending on the situation, we may elect to;
a) Depending on the situation, we may elect to;
b) At our option, cash settle

You are able to make a claim with us at your preference in the following ways;
a) SMS
b) Email
c) Telephone us.
For further details on how to claim, click here.

By providing the documentation listed below, but not limited to, you will avoid any unnecessary delays to your claim:

Proof of purchase invoice and/or receipt of purchase
Copy of the consignment note / transport document and invoice/s
Photo(s) of the damaged good(s)
If you are able to provide a photo of your goods prior to the transit, this may help speed the process of your claim.

We encourage you to lodge your claim with us as soon as possible and we endeavour to investigate all claims efficiently and effectively. Because circumstances vary, it may take some time to reach a resolution, but we will keep you informed regarding the progress of your claim.

  • There are two Claims that are not covered under your policy – please delete the first one
  • Claims that are not covered under your policy

Where you are unable to provide us with;
Proof that the transit occurred;
Any goods / items illegally procured;
Any goods / items to be used for illegal purposes;
Dangerous goods
If your goods are also covered by a third party insurance provider and you have already filed a claim with them.

Please refer to the full terms, conditions, limits & exclusions are shown in the product disclosure statement (PDS).

Examples, but not limited to proof of transit, a postage or lodgement receipt, tracking sticker found on certain prepaid satchels, and envelopes or signed consignment document.

If you’ve submitted a complaint, we may contact you for more information or supporting evidence (for example a statutory declaration or receipts) to help us investigate your case. Most complaints are resolved within 10 business days (although some, may take longer).

At Marine Protect, protecting your privacy and the confidentiality of your personal information is very important to us and is fundamental to the way we serve you.

When you give your personal information to us it is a serious responsibility. We are committed to protecting your personal information and giving you a choice in who can use your personal information and how it may be used.

In keeping with our commitment, all personal information collected will be handled in accordance with Marine Protect’s Privacy Policy, which complies with the requirements of the Privacy Act 1988 (Cth).