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Insurance for Damaged Goods
- Manufacturers and Traders: Businesses with goods that need protection during transportation from various risks.
- Exporters and Importers: These companies require insurance to ensure the safety of goods during international transit.
- Logistics Companies: Logistics providers handling clients’ goods need coverage to minimize financial risks.
- Individuals with High-Value Goods: Those transporting high-value items who want to ensure their assets are protected.
Your duty of disclosure
Before you enter into, renew, vary, extend or reinstate a commercial insurance contract, you must tell the insurer everything you know, or could reasonably be expected to know, that is relevant to its decision to insure you and on what terms. You do not need to disclose anything that reduces the risk, is common knowledge, the insurer knows or ought to know, or that the insurer has waived. If you do not comply, the insurer may reduce or refuse a claim or cancel the contract. If the failure was fraudulent, the insurer may treat the contract as if it never existed.
Before you buy
Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any policy before deciding. The PDS sets out what is and is not covered, the limits and the excesses. The TMD describes the class of customer the product has been designed for. We will provide the current PDS and TMD for any policy we recommend, or you can request them from us.