A potential claim under Marine Hull Insurance could involve damage to your own vessel or to third party property. To minimise loss and hassle, we provide the following general steps to take in the event of an incident.
Take all reasonable steps to minimize any further loss or damage
Immediately notify your Insurance Broker. Please ensure you note the details of the incident including:
- Dates and times
- Names and contact details of any witnesses
- A diagram of the scene.
In the event of a collision or grounding, it will assist with understanding the situation/circumstances of the accident.
Statement of facts giving details on the incident. Statement to be duly signed for the truth and correctness of the information stated therein.
The following documents will need to be provided together with the claim form. We do not require the originals unless specifically requested.
- Photographs of the damage
- Quotation/invoices for repair/replacement
- Masters/chief engineers/accident/incident report/notice or protest (if applicable)
- Copy of any relevant deck/engine log books
- Letter of demand to/from any third party involved in the incident (if applicable)
- Classification society reports relevant to the damage/repairs (if applicable)
- Copy of the vessel’s Class Maintained Certificate (if applicable)
- Confirmation of compliance with any policy warranties.
Inform your local maritime authority for incidents on the water and the police for any loss involving theft and vandalism.
Send Statement of facts and relevant documents to your broker.
Important Points To Note
You should not, without our prior written consent, incur any expense in making good any loss or damage (other than to minimize any further loss).
Depending on the size or type of loss we may appoint a surveyor to inspect the goods and gather information. In the event that we do appoint a surveyor, the documentation requested above should be made available to them as this will assist in the handling of your claim.
Notification should be as soon as possible of any event that may result in a claim on your Policy. This can be done via your insurance broker. Our strict global claims standards ensure both speed and quality when handling a claim.
If you’re insured through a broker, simply contact them to tell them you need to make a claim. Your broker will guide you through the process and liaise with us on your behalf.
In the event of loss or damage of cargo, you may wish to make a claim immediately so that you may recover any major financial or economic losses that might otherwise be sustained.
The steps listed below should be taken without delay, in order to minimise damage or loss to your cargo, and easily expedite the claims process.
Call us to report a claim, or contact us via the website, to notify us immediately of any occurrence which may produce a claim for which the company is liable under the policy.
Obtain the Survey Report from the authorised agent mentioned in the Schedule. Without this Schedule, no claim will be paid under the policy.
Give notice in writing to the Carriers or other Bailee’s within 3 days of the delivery of cargo, if the loss or damage was not apparent at the time of delivery.
Prepare the following documents for submission:
- Original Insurance Certificate/Policy
- Original Commercial Invoice
- Packing List
- Original Bill of Lading/Airway Bill with terms and conditions on the reverse side
- Survey Report or other documentary evidence to show the extent of the loss or damage
- Delivery Note/Receipt/Order
- Correspondence exchanged with the Carriers and other parties regarding their liability for the loss or damage
- Your Claim Bill
- Original Survey Report and Receipt for payment of survey fee
- Copy of Formal Claim on the Carrier and/or bailees (if applicable)
- Cargo Irregularity Report (Air Consignment) and Short landing report (Sea Shipments)
- Inspection/Technical/QC Report*
- Repair/Replacement Quotations*
- Vessel’s Out-turn Report*
- Cargo Manifest*
- Container Damage Report or Equipment Interchange Receipt*
- Tally Sheets*
- Written confirmation of Non-Delivery from Carrier*
- Police Statement/Report for theft/hijack cases*
*additional documents that may be requested (if applicable, not exhaustive)
Important Points To Note
Take reasonable measures for the purpose of averting or minimising the loss.
- Remove cargo from wet packaging, to prevent additional damage from occurring
- Put damaged cargo aside pending insurer’s decision whether a survey is required
- To assist/cooperate in the reworking/reconditioning/repacking/testing/repairs of the affected cargo
- To assist/cooperate in the salvage sale
Ensure that all rights against Carriers, Bailees, or other third parties are properly preserved and exercised.