The insurance covers “All Risks” of loss or damage to the subject-matter insured except exlusions.

This insurance covers “All Risks, Exlcuding Sending by Post” of loss of or damage to the subject-matter insured except exlusions.

Institute Cargo Clause (A)

This insurance covers all risks of loss of or damage to the subject-matter insured except exclusions.

Institute Cargo Clause (B)

This insurance covers loss or damage to the subject-matter insured caused by:

•  loss of or damage to the subject-matter insured reasonably attributable to:

​​​​​            -fire or explosion;

            -vessel or craft being stranded, grounded, sunk or capsized;

            -overturning or derailment of land conveyance;

            -collision or contact of vessel craft or conveyance with any external object other than water;

            -discharge of cargo at a port of distress;

            -earthquake, volcanic eruption or lightning.

•  loss of or damage to the subject-matter insured caused by:

          -general average sacrifice;

          -jettison or washing overboard;

          -entry of sea, lake or river water into vessel craft hold conveyance container liftvan 

             or place of storage;

         -total loss of any package lost overboard or dropped whilst loading on to, or unloading from,

             vessel or craft.

Institute Cargo Clause (C)

This insurance covers loss or damage to the subject-matter insured caused by:

•  loss of or damage to the subject-matter insured reasonably attributable to:

           -  fire or explosion;

           - vessel or craft being stranded, grounded, sunk or capsized;

           - overturning or derailment of land conveyance;

           - collision or contact of vessel craft or conveyance with any external object other than water;

           - discharge of cargo at a port of distress.

• loss of or damage to the subject-matter insured caused by:

           - general average sacrifice;

           - jettison.