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1. The insurance covers all risk of loss or damage to the subject-matter insured except as provide in clause Nos. 2, 3,4 nad 5 below.


2 In no case shall this insurance cover

2.1 Loss damage or expense attributable to willful misconduct of the assured.

2.2 Ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject matter insured.

2.3 Loss damage or expense casued by insufficiency or unsuitability of packing or preparation of the subject-matter insured ( for the purpose of this Clause 2.3 'packing' shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants).

2.4 Loss damage or expense proximately caused by delay even though the delay be caused by a risk insured against.

2.5 Loss damage or expense casued by inherent vice or nature of the subject-matter insured.


3. This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith. In no case shall this insurance cover loss,damage, liability or expense directly or indirectly caused by or contributed to by or arising from.

3.1 Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.

3.2 The radioactive toxic explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof.

3.3 Any weapon of war employing atomic or nuclear fission and / or fussion or other like reaction or radioactive force or matter.


4. In no case shall this insurance cover loss, damage or expense casued by.

4.1 War, civil war, revolution, rebellion, insurrection, or civil strife arising there from or any hostile act by or against a belligerent power.

4.2 Capture, seizure, arrest, restraint or detainment, the consequences thereof or any attempt thereat.

4.3 derelict mines, bombs or other derelict weapons of war.


5. In no case shall this insurance cover loss damage or expense

5.1 Casued by strikes, locked out workmen or person taking part in labour disturbances, riots or civil commotions.

5.2 Resulting from strikes, lock-outs, labour disturbances, riots or civil commotions

5.3 casued by any terrorist or any person acting from a political motive


6. This insurance attaches from the time the goods leave the warehouse and / or store at the place named in the policy for the commencement of transit and continues during the ordinary course of transit including customary transshipment, if any

6.1 Until delivery to the final warehouse at the destination named in the policy or

6.2. In respect of transits by Road only until expiry of 7 days after arrival of the vehicle at the destination town named in the policy Whichever shall first occur.

6.3. In respect of transits by Road only until expiry of 7 days after arrival of the vehicle at the destination town named in the policy Whichever shall first occur.


1 The period of 7 days referred to above shall be reckoned from the midnight of the days of arrival of railway wagon at the destination railway station or vehicle at the destination town named in the policy.

2 Transit by Rail only shall include incidental transit by Road performed by Railway Authorities to or from Railway Out-Agency.


7. 1. In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of loss.

7. 2. Subject to 7.1 above the insured shall be entitled to recover from insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded unless the Assured were aware of the loss and the Underwriters were not.

7. 3. All claims will have a 5 % deductible.


To enable claims to be dealt with promptly, the Assured or their Agent is advised to submit all available supporting documents without delay, including when applicable,

1. Original policy or certificate of insurance.

2. Original or copy of shipping invoices, together with shipping specifications and / or weight notes.

3. Original Bill of Lading and / or other contract of carriage.

4. Survey report or other documentary evidence to show the extent of the loss or damage.Whichever shall first occur.

5.Landing account and weight notes at final destination.

6.Correspondence exchanged with the Carriers and other Parties regarding their liability for the loss or damage.

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