What is Covered

• Perils of the Sea:
  These refer to acts or incidents that happen due to some irresistible force or natural cause or from an overwhelming power that is beyond human skill and control. These are also referred to as Acts of God and include accidents or events that do not happen due to the free will of a human being.
   These include storms, lightning, tsunamis, earthquake collision, grounding of the ship, sinking, disappearance, capsizing, etc.
• It is important to note that ‘perils of the sea’ do not cover every accident or casualty that arises in the sea such as wear and tear, loss by rats, willful misconduct, or mismanagement of the crew. They however include the total loss of the package, entry of seawater, the vessel being stranded, grounded, sunk, and or capsized. They also include Jettison,  General Average
• Fire or explosion on a vessel
• Collision of two vessels
• War, terrorism, strike, civil commotion
• Piracy
• Natural Perils such as earthquakes, tsunamis, volcanic eruptions, lighting, and so on.
• Human Factors such as incorrect packing, loading, and unloading, storage, cheap labour, as well as barratry. This refers to an act of misconduct committed by a master or crew of a vessel, which damages the vessel or its cargo

Marine Cargo Insurance types:

Marine insurance covers are usually based on internationally accepted Institute Cargo Clauses (ICC). These are used the world over as a marine industry standard and specify what kind of items in the cargo is covered in case of any loss or damage to the shipment.

Mainly, there are three basic sets of Institute Cargo Clauses; A, B, and C. The cover on your policy is directly related to your insurance premium. This means that the higher the marine insurance premium you pay; the more coverage you are likely to get. Here are the three institute cargo clauses as detailed below:

• Institute Cargo Clauses ICC(A) All Risks:
  It is considered to be one of the widest marine insurance coverages. It covers all risks of loss of or damage to the cargo insured except for the specified exclusions. Therefore, a higher premium is paid as you would be getting the extensive cover. For Air Cargo, the equivalent cover is Institute Cargo Clauses Air.
• Institute Cargo Clause ICC(B):
  This is not as wide as ICC(A) above and covers specifically named risks as defined in the policy. The policyholder mainly asks for coverage for some more valuable items or only partial cargo. It is therefore considered to be a basic cover and the premium is moderate
• Institute Cargo Clause(C):
  This insurance provides limited cover for loss or damage to your cargo due to specified perils only. It is the most restrictive cover hence the premium payable will be low.

Note that each of the Institute Cargo clauses mentioned above is restricted to goods that are in transit. The items being shipped would be considered the goods in transit only if they have left from the original location and are still in transit to the destination.

What Is Covered?

• Loss of the cargo whilst in transit
• Damage to the cargo whilst in transit
• Pilferage
• Theft of all the goods in transit
• Contamination of goods by water, moisture, oils, or liquid chemicals
• Non-delivery of cargo at destination

What Is NOT Covered?

• Loss damage or expense attributable to the wilful misconduct of the Assured
• Ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject matter insured
• Loss damage or expense caused by insufficiency or unsuitability of packing
• Loss damage or expense caused by inherent vice or nature of the subject matter insured
• Loss damage or expense caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)
• Loss damage or expense caused by the insolvency of owners managers charterers or operators of the vessel.
• Loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
• Unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject-matter insured, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein
• Unfitness of container or conveyance for the safe carriage of the subject-matter insured, where loading therein or thereon is carried out before attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading.

Marine hull and liability insurance covers damage or loss to the vessel, including its machinery and equipment, as well as legal liability to any third party due to negligence related to the vessel’s operations or the actions of masters or crew.

Marine hull insurance covers accidental loss or damage to boats used for commercial purposes; it includes salvage costs, and third-party liability cover.

Vessel insurance covers accidental loss or damage to the vessel anywhere in the agreed navigational limits set by the policy. Valuation and a survey of the vessel are usually required for this insurance and set at an agreed value.

Liability insurance can be included as an extension to the hull insurance or as a stand-alone cover. The limits selected for liability will vary based on vessel type, use, and territorial limits. 

Who needs marine hull and liability insurance?

Private and commercial vessel owners and operators, and associated businesses may require hull and liability insurance, including: 

• Shipping owners and operators
• Fleet owners
• Ferry operators
• Charter and tourist boat operators
• People or businesses with loans on vessels

• Duly Completed Proposal Form
• List and breakdown of items to be covered, with value separation and serial numbers indicated
• Number/Certificate/Valid NIDA ID
• Pre - Inspection Photo of the insured items
• Any additional and relevant information that is necessary.
• Premium Payment

In the event of a claim kindly contact us on: +255 762 616 864, or email  us at claims@heritageinurance.co.tz or you can visit us at the branch nearest to you.

Minimum Claim Requirements
To make a claim, please ensure that you have the following documents:

TIN Number/Certificate/Valid NIDA ID
A filled claim form
Any other documents requested