Cargo insurance

Cargo insurance

Domestic cargo insurance


Domestic cargo insurance can be concluded by anyone who is interested in protecting goods in transit domestically or in general.

There are two major types of this type of contract:

– All risk domestic cargo insurance, in which case the insurer indemnifies for any damage to the goods not excluded in advance;

– Specific cargo domestic insurance for particular types of hazards, the content of which is limited by the insurer to pre-defined cases.


International cargo insurance


The system is similar to the domestic one, it is also necessary to specify the destinations, the name of the means of transport and the indication of the type of goods in transit. As in the case of domestic cargo insurance, this type can be concluded on the base of all risk or specific cases.


KÁF (Land Cargo Insurance)


Liability insurance concluded on the terms of the KÁF is a must for the commencement of the insured activity and for the smooth running of business, it is necessary during the issue of the carrier’s license.


BÁF (Domestic Carriers Cargo Insurance)


This insurance covers damage caused by the carrier in the course of the performance of the domestic freight  activity in the transported goods for which the carrier is liable under the legislation in force.





According to the Convention on the Contract for the International Carriage of Goods by Road, an organization engaged in the international carriage of goods or performing such a task is responsible for the protection and integrity of the goods carried by it.

Under this agreement the Insurer indemnifies for damages in the transported goods, for which the amount of indemnity may not exceed the amount specified in the CMR Convention as well as in the Protocol of 1978 supplementing it, ie 8,33 SDR / kg of the gross weight of the missing or damaged part of the cargo (valid for countries ratified the CMR Convention and operating accordingly).


The below points are usually excluded


– Damages resulting from exceeding the deadline specified in the contract;

– Damage resulting from exceeding the weight and size limits of individual vehicles;

– Damage resulting from the internal characteristics of the consignment (internal deterioration,

fermentation, thawing, freezing, etc.);



– Damages attributed to improper packaging.


It is important that the insurance applies only to the vehicle (s) indicated on the insurance policy!



Carrier Liability Insurance


The insurer shall treat as a subject of insurance the below activities and events occured during these activities connected to the carrier’ liability:


– Forwarding;

– Transportation;

– Customs brokerage;

– Groupage transportation;

– Warehousing activities;


Considering the carrier liability – among other things – the belows are excluded:


– The scope of illegal shipments;

– The range of pollution damage;

– Damage resulting from official intervention;

– Clearly defined financial losses (e.g penalties)

– Damage resulting from the operation of ships and aircrafts.


It is important to note that the offers of individual insurance companies may differ significantly in terms of coverage, such as the exclusion of certain types of goods or certain activities or the limitation of territorial coverage (as a general rule, insurance provides worldwide coverage).