Guidelines on insurance claims
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Guidelines on insurance claims
- 1. GUIDELINES ON INSURANCE CLAIMS PREPARED BY : T.S.SHRINIVAASAN OF MAR-TECH INSURANCE SURVEYORS & LOSS ASSESSORS PVT.LTD.,
- 2. GUIDELINES ON INSURANCE CLAIMS CARGO INSURANCE SEA CARGO BREAK BULK CONTAINERS LCL FCL AIR CARGO LOCAL TRANSIT
- 3. GUIDELINES ON INSURANCE CLAIMS SEA CARGO – BREAK BULK • Gather landing information from clearing agents. • Later ask them to obtain landing remark certificate (LRC) from Port incase of Damage or Loss. • Within 3 Days of landing, apply for Joint Survey with Steamer Agents / Customs. Other wise it will be treated as Time-Barred Survey. • On Consignee’s behalf, Clearing Agents can also apply for Joint Survey. • On the Basis of Joint Survey findings, pay Customs Duty as required. • Detailed final survey be held at final warehouse with Insurance Surveyors. • On the Basis of Final Survey findings, prefer firm monetary loss on carrier or their Agents by Registered Post with ACK Due.
- 4. SEA CARGO-DOCUMENTS • Submit Insurance Claim documents to your Insurer: – Claim Form. – Invoice – Packing list – Consignee copy of Bill of Lading – Bill of Entry – Landing remark Certificate – Steamer survey Report – Claim on carriers with ACK – Communication exchanged between Carrier / Shipper – Salvage offer
- 5. SEA CARGO – CONTAINERS - LCL LCL : One or more Shippers sending consignments to more than one Consignee in a Container (Less Container Load). • Carriers are responsible for Damage (or) Loss to cargo. • Obtain De-Stuffing tally sheet from CWC or Concerned CFS. • Apply for Joint Survey with carrier Agents / Customs. • Pay Customs duty as required as per Joint Survey. • Conduct Final Survey at the final Warehouse. • Prefer firm Monetary Loss on carriers with ACK Due. • Submit Insurance Claim Documents to your Insurer
- 6. SEA CARGO-LCL- DOCUMENTS – Claim Form. – Invoice – Packing list – Consignee copy of Bill of Lading – Bill of Entry – De-stuffing Tally Sheet. – Steamer survey Report – Claim on carriers with ACK – Communication exchanged between Carrier / Shipper – Salvage offer
- 7. SEA CARGO – CONTAINERS - FCL • FCL: FULL CONTAINER LOAD.- One shipper sending Consignment to one Consignee in a Container. • This kind of Shipments are done as House Stuffing i.e.: Stuffing takes place at Shipper’s Godown. • Hence Bill of Lading for such shipments are issued with a clause viz: “SHIPPER’S LOAD & COUNT” • In such Shipments, Carriers are responsible for loss or damage to cargo, only if the Container’s Seals are Tampered at Discharging Port. • Even if the Seals are Intact and if there exists any deficiency to Container’s structure like Roof / Paneling Cut / Torn / Holed, please prefer notice on carriers. • Any evidence of water Entry into Container, Salinity test be conducted on sample. • If Salinity test is Positive, please put notice on Carriers. • All communication to carriers be intimated to Insurer and your Shipper. • After detailed Final Survey, prefer Firm Monetary Loss on Carriers with ACK Due • Submit Insurance Claim Documents to Insurer.
- 8. SEA CARGO FCL-DOCUMENTS – Claim Form. – Invoice – Packing list – Consignee copy of Bill of Lading – Bill of Entry – Evidences like salinity test or photos of containers showing deficiency. – Steamer survey Report , if done. – Claim on carriers with ACK – Communication exchanged between Carrier / Shipper – Salvage offer
- 9. AIR CARGO • Obtain Landing information through your C & F Agents. • If landed in Damaged / Tampered condition, apply for Joint Survey with Air Carrier / AAI / Customs. • Pay Customs duty as required. • If landed sound but subsequently damaged at AAI, please put notice on AAI • Location Slip gives information About Landing condition. • After detailed Final Survey, prefer Firm Monetary Loss on carriers with ACK Due
- 10. AIR CARGO DOCUMENTS • Submit Insurance Claim Documents to Insurer. – Claim Form. – Invoice – Packing list – Consignee copy of Airway Bill – Bill of Entry – Location slip – Joint survey Report , if done. – Claim on carriers with ACK – Communication exchanged between Carrier / Shipper – Salvage offer
- 11. LOCAL TRANSIT • Incase of Damage or Loss noticed during door delivery, endorse on or reverse of Lorry Receipt about condition of Goods and ask Driver or Carrier Representative to Sign. • Incase of Damage or Loss at Transporter’s Premises, please get Open Delivery • After detailed survey at final Warehouse please prefer firm Monetary Loss on Carriers with ACK Due. • Notification of loss to Insurer is to be done within 7 days of arrival of truck.
- 12. LOCAL TRANSIT - DOCUMENTS – Claim Form. – Invoice – Packing list – Lorry Receipt copy – Damage or shortage certificate from Transporter – Claim on carriers with ACK – Communication exchanged between Carrier /consignor – Salvage offer
- 13. CONCLUSION • PREPARED BY : T.S. SHRINIVAASAN, PRINCIPAL SURVEYOR, MAR-TECH INSURANCE SURVEYORS & LOSS ASSESSORS PVT. • Mobile: +91 9840022241 • E-MAIL : - martech@eth.net • DISCLAIMER: While due diligence is exercised in preparing above general guidelines but same are not exhaustive and we are not responsible for any omissions.