Transportation insurance, what do they assure me and what not?

By 14 November, 2017 July 23rd, 2019 Customer Support, Luggage, Shipping

Transportation insurance is an instrument by which an insurer accepts the risk that a good is transported without any damage, loss or impairment.

Normally, we are the shipping companies who mediate in your hiring. In addition to being authorized without the need to be insurance brokers, we do so by paying a premium price. Thus, in case of loss, whoever has insured the merchandise will be entitled to receive compensation.

The coverage of transportation insurance is designed mainly to cover industrial transportation of goods. Priority is given to shipments between companies, because packaging and protections designed for each means of transport are used. Therefore, in shipments of personal effects, coverage is very limited to risks such as loss or theft and not to the damage or impairment that the goods may suffer during transport.

Does transportation insurance cover any shipment?

As with any insurance contract, there are situations in which the merchandise, despite being insured, is excluded from coverage in certain situations. Below, we explain the most common situations in which you cannot get damage coverage, although you always have coverage for loss of shipment.

Crockery, glassware and small appliances.

These items, very common in personal shipments, are very fragile and delicate. If you want to transport them with full guarantees, use a moving company and not a shipping company. These items do not have coverage because the carriers do not manage the wrapping, protection and packaging. Since we are not able to confirm that these tasks have been done correctly and professionally, damage is not covered. It is useless that in case of damages you indicate that you used “a lot of bubbles” or that “you had wrapped them very well”. To the insurance company, protections and packaging are insufficient and they are a clear exclusion of coverage.

Computers, televisions and other screens …

As in the previous case, the main cause of damages is the use of inadequate packaging and protections. Even if you use the original packaging, the insurance company will not cover the cost due to insufficient packaging and protection.

The box in which the TV comes when it is bought in the store is not designed to be transported. The box has come inside another box called “transport packaging” that is no longer delivered to the store and comes bundled in pallets that guarantee integrity and safety during transportation.

Books

There are two reasons why books are not covered in case of damage:

  • If you put the books in a box and are not wrapped individually, rubbing can occur on the covers by contact with the box or other books.
  • If there are bottles with liquids in the box, they can break and spill the contents in the books. You will not get any compensation because liquids cannot be sent in boxes with books or other items.

In short, any item that are transported without being protected, wrapped and packed professionally will not be covered by damages. But they will count in case of theft or loss. Remember also that in case of loss, you need to correspond with the party making the claim and provide evidence that shows that the damaged goods were properly protected, wrapped and packed for the means of transport used.

At LA LUNA shipping® we have a wide range of transportation insurance and we will advise you on the best option. If you take out insurance on an excluded risk, you will not receive compensation, nor will the insurance company reimburse the cost paid.

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