Marine Insurance · sub-product

Marine Inland Transit

Cover for cargo moving by road, rail or inland waterway within India. Single-consignment, declaration-based or open-cover structures aligned to your shipping pattern.

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Coverage at a Glance

Road, Rail & IWT

All inland modes covered with appropriate ICC clauses

Single or Open Cover

From one-off consignments to annual declaration-based policies

ODC Cover

Over-dimensional consignment routing and protection

Loss in Transit

Theft, damage, accident and non-delivery

Coverage

What this sub-cover provides

A focused placement that responds to the specific transit, treatment or workforce event this cover is designed for.

Loss or damage in transit

Cover from the moment goods leave the consignor's warehouse to arrival at the consignee's premises. Applies to road, rail and IWT modes under appropriate ICC clauses.

Theft and non-delivery

Cover for total loss, partial loss and non-delivery of consignments, including pilferage during multi-stop routes.

Accident and overturning

Damage resulting from vehicle accidents, derailments, overturning or impact during transit.

ODC and project cargo

Routing approval and cover for over-dimensional or heavy-lift consignments requiring specific transit permits.

Fire and natural perils

Cover for cargo destroyed by fire, flood, cyclone or other natural perils during transit or temporary storage in transit.

Loading and unloading

Cover during loading and unloading operations at origin, destination and any transhipment point along the route.

Marine Insurance

Our Approach

Most inland transit losses are caused by something the policy could have covered.

The recurring claim sources on Indian inland routes are well-understood: road condition damage, lashing failure, theft on overnight halts, transhipment errors. A well-structured Inland Transit policy addresses each of these with the right clauses and an accurate sum insured per consignment.

Key Benefits

What you get when we place this cover

Right cover basis for your shipping pattern

Single-consignment, declaration or open cover, we place what matches your actual transit frequency, not the basis that's easiest to administer.

Sum insured set against current value

Single-consignment values calculated against current invoice values, not historic declared values that have drifted with inflation.

Documentation that survives a claim

We document the consignment-by-consignment values and route conditions so a claim does not get stuck on missing paperwork.

Open cover for repeat shippers

Annual open-cover policies for clients with recurring shipments, one policy administers an entire year's transit, with monthly declarations.

FAQ

Common Questions

A motor policy's Goods in Transit extension covers cargo only in the specific vehicle named on the policy. An Inland Transit policy covers the cargo itself, regardless of vehicle, and applies through any combination of road, rail or IWT modes. For regular shippers, Inland Transit is the right structure.

Both structures are available. Single-consignment policies are appropriate for one-off high-value shipments. Open-cover policies with monthly declarations are appropriate for regular shippers; the value of each consignment is declared but the policy administration is annual.

Yes, subject to standard ICC clauses. Theft from a parked or halted vehicle is covered, though most policies require the vehicle to be secured and, in some cases, parked at an enclosed location overnight.

Cover applies to the goods inside the packaging. Damage solely to outer packaging without affecting the goods is typically excluded. Where outer packaging is the saleable presentation (e.g. consumer-goods boxes), we extend the cover specifically.