from warehouse to port. covered.
Cover for goods that move — by road, sea, air, rail or inland transit. Damage in transit, fire, water leakage, theft, pilferage, non-delivery, loading/unloading risk. Domestic + global. For manufacturers, importers, exporters, traders, logistics companies, warehouses and e-commerce businesses.
six perils. one shipment.
Goods in transit face perils that don't exist when they're sitting in a warehouse. Marine insurance bundles the six exposures from origin to destination — whichever mode of transport you use.
Damage to goods caused by accident, collision, derailment, sinking, capsizing, overturning of the conveyance carrying them. The base peril of any transit policy.
Fire or explosion affecting the conveyance, intermediate warehouse, or port stack where your goods are temporarily held. Includes consequential damage from extinguishing efforts.
Water damage from rain ingress in transit, sea water exposure, monsoon flooding at intermediate locations, leakage from adjacent cargo. The unsung peril most owners underestimate.
Theft of entire consignment, pilferage of part of consignment, or non-delivery (consignment lost in the supply chain). The most common claim category for high-value retail goods.
Damage that occurs during loading and unloading at origin, intermediate, or destination locations. Forklift damage, crate drops, manual mishandling. Often excluded from basic transit cover; we make sure it's included.
Single policy covers the goods regardless of mode of transport — door-to-door from origin to destination. Useful for shipments that switch modes (road + sea + road).
five modes. all panels.
"Marine" insurance covers goods in transit by any mode — the name is a historical accident. The flyer lists five modes, each with its own claim shape. Pick by primary mode, but the policy is mode-agnostic.
Truck, tempo, container, cargo bike. The most common transit mode in India. Specific to-from-locations declared at policy issue, claims processed through GR / consignment note matching.
Container ship, bulk carrier, break-bulk. Includes inland water transport (Mumbai docks to inland godown via barge). Most policies follow Institute Cargo Clauses (A/B/C) wording — pick A for widest cover.
Air freight, courier, time-sensitive cargo. Higher premium per ₹100 cover but the goods are at risk for fewer hours, so total claim ratio is lower. Used for high-value, low-volume goods.
Indian Railways freight, container rail. Lower premium than road for long-haul interstate. Cover includes derailment, station-yard damage, transhipment risk at break-bulk points.
Domestic transit by any mode — covers door-to-door movement of goods within India. Single annual policy can cover all your outbound shipments if you declare on a per-shipment basis.
When a single shipment uses multiple modes (e.g., factory road → port → ship → port → road → buyer warehouse), one all-modes policy covers the entire journey. Avoids the gap between mode-specific policies.
Marine and transit insurance is offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. The actual policy contract is between you and the chosen insurer. Panel insurers include ICICI Lombard, HDFC Ergo, Bajaj Allianz, TATA AIG, SBI General, Reliance General, Chola MS, Digit, IFFCO-Tokio, Universal Sompo and others.
Marine Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Most marine cargo policies follow Institute Cargo Clauses (ICC) A, B, or C wording — A is the widest, C is the narrowest. War and Strikes (SRCC) cover is usually a separate rider.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
Specific shipment policy vs annual open policy — which one?
If you ship occasionally, take a specific (single-shipment) policy each time. If you ship monthly or more often, take an annual open policy and declare each shipment as it goes. Open policy gives ~20-40% lower premium per shipment plus pre-agreed terms — no negotiation per shipment.
Institute Cargo Clauses A vs B vs C — what's the difference?
ICC A: all-risks — covers anything not specifically excluded. ICC B: named perils — covers a specific list. ICC C: minimum cover — basic perils only. For most cargo, ICC A is worth the extra premium because it covers handling-related damage that B and C exclude. We default to A unless cost is the driver.
Does the policy cover war and strikes?
Not by default. War risks and SRCC (Strikes, Riots, Civil Commotion) cover are separate riders, with their own premium. Worth taking if your route passes through politically unstable regions or for sea routes through the Red Sea, etc. We'll flag if your route needs them.
My consignment was delayed — can I claim consequential loss?
Generally no — marine policies cover physical loss or damage to the goods, not consequential loss (e.g., lost contract because goods arrived late). Some "loss of market" clauses can be added but they're niche and expensive. We use other tools (penalty clauses with the carrier, separate trade credit cover) for this.
How does the claim process work for international cargo?
Three steps: (1) Notice to insurer within 24-48 hours of damage. (2) Surveyor appointment at destination port. (3) Settlement based on surveyor report + damage certificate from carrier. Typical settlement 60-120 days. We handle the back-and-forth with the surveyor and carrier.
Do I pay funds to wealth anything for this?
No. You pay only the premium, exactly as priced by the insurer — nothing extra for coming through us. Insurance is solicited via D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed broker, and everything we do operates within IRDAI rules. The honest fine print is at /disclosures.
let's insure your shipment.
A 30-minute call. We'll size the cover for your shipment frequency + value + modes + destinations, and decide between specific-policy and annual-open-policy structures.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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