Value
Accurate declared value helps establish appropriate limits and recovery.
Cargo Insurance Solutions
Protect the value while it moves.
Cargo insurance support that reduces financial risk when goods move locally, cross-border, or internationally.
Cargo Insurance Solutions
Protect the value while it moves.
Cargo can be exposed to damage, theft, loss, accidents, fire, handling and water damage, and route-related incidents. Insurance support helps reduce the financial impact when the unexpected happens.
Suitable for local deliveries, cross-border transport, international parcels, containers, courier shipments, project cargo, and cold-chain products.
Before movement
Cover must be confirmed before cargo moves.
Carrier liability may be limited. The cargo, declared value, route, packaging, exclusions, and policy wording all affect the available cover.
Route
Origin, destination, transport mode, and handling points shape the risk profile.
Documents
Invoices, packing details, and transport records help avoid gaps and delays.
What affects cover
Cargo type, value, packaging, route, transport method, handling, exclusions, and policy terms all matter.
Before the cargo moves
Share the cargo type, invoice value, loading point, delivery point, route, transport mode, and expected movement date. Do not assume cargo is insured until cover is confirmed.
If something happens
Report damage or loss as soon as possible. Keep the cargo, packaging, photos, transport documents, and any damage or police reports available for the claims process.
Cargo insurance
Need cargo insurance support?
Send your cargo type, value, invoice, loading point, delivery point, route, transport mode, and expected movement date so we can advise what information may be needed.
Cover options
The right option depends on the cargo, route, and how often you move goods.
Goods in Transit
Commonly used for cargo moving by road, rail, or local transport.
- Local Zimbabwe deliveries
- Cross-border road freight
- Palletised, retail, and industrial cargo
- Machinery and e-commerce parcels
Marine Cargo
For goods moving internationally by sea, air, road, rail, or multimodal transport.
- Imports and exports
- Sea and air freight
- Cross-border and port-linked cargo
- Containers and international shipments
Single Shipment Cover
For when insurance is needed for one specific shipment only.
- One-off imports and exports
- High-value shipments
- Special cargo movements
- Project cargo and machinery
Open / Annual Cover
For businesses that move cargo regularly and need ongoing cover.
- Importers and exporters
- Distributors and retailers
- Manufacturers and online sellers
- Frequent cross-border traders
Special Cargo Cover
Some cargo needs special review before cover can be arranged.
- Fragile and high-value electronics
- Pharmaceuticals and cold-chain cargo
- Chemicals, machinery, and vehicles
- Oversized, used, or regulated goods
Important notice
Cover depends on the insurer, cargo type, declared value, packaging, route, documents, exclusions, and policy wording. Cargo should not be assumed to be insured unless cover has been confirmed before movement.
Cargo we can cover
Subject to review, declared value, packaging, and policy terms.
General Cargo
- Parcels, cartons, pallets
- Containers and packaged goods
- Retail stock and e-commerce orders
- Documents and business deliveries
Commercial Cargo
- Imports and exports
- Wholesale and distribution stock
- Factory goods and spare parts
- Industrial materials, machinery, and tools
Agriculture Cargo
- Maize, tobacco, cotton, soya beans
- Fresh produce and seed
- Fertilizer and animal feed
- Farm machinery and irrigation equipment
Mining & Construction
- Ore, coal, chrome, aggregates
- Cement, bricks, steel, pipes
- Mining and construction equipment
- Generators, compressors, project cargo
Cold Chain & Healthcare
- Medicines, vaccines, diagnostics
- Laboratory supplies
- Dairy, meat, seafood, fresh produce
- Flowers, frozen goods, chilled beverages
Technology & High-Value
- Laptops, servers, networking equipment
- Electronics and POS systems
- CCTV, batteries, data centre equipment
- Smart devices and high-value retail goods
Project Cargo
- Heavy machinery and transformers
- Generators and industrial equipment
- Renewable energy components
- Oversized, out-of-gauge, and breakbulk cargo
Claims & documents
The right record changes everything.
Good documentation protects your position before cargo moves and gives a claim a clearer route when something goes wrong.
Keep the details that show what moved, what it was worth, how it was packed, and what happened along the way.
If something happens
Preserve the evidence before it disappears.
Early action helps establish the facts and lets the claims process move with less uncertainty.
Report promptly
Notify us as soon as you become aware of loss, damage, or an incident.
Preserve cargo & packaging
Do not dispose of damaged goods or packaging before they can be reviewed.
Retain the paper trail
Keep transport, delivery, customs, payment, and inspection records together.
Before cover
Share a complete record before cover is arranged.
- Commercial invoice, packing list, and cargo value
- Transport document or courier tracking details
- Photos of the cargo and packaging before dispatch
- Proof of payment and delivery note
- Customs documents where applicable
- Product details or serial numbers for high-value goods
For a claim
Make it possible to assess the incident fairly and quickly.
- Insurance policy, claim form, and invoice value
- Transport documents and delivery note
- Damage report with cargo and packaging photos
- Courier, transporter, customs, or port report where applicable
- Police report for theft or suspected theft
- Proof of ownership, loss, and repair or replacement quote
Important claim notice
Report cargo damage or loss as soon as possible. Delays may affect the claim. Do not dispose of damaged goods or packaging before the insurer or claims team has reviewed the matter, unless instructed otherwise.
Packaging notice
Cargo insurance may be affected if goods are poorly packed, incorrectly labelled, not secured, or unsuitable for the route and transport method. Make sure cargo is packed properly before collection or dispatch.
Value declaration notice
The declared cargo value should match the invoice or proof of value. Under-declaring cargo value may affect the amount recoverable in the event of a claim.
Frequently Asked Questions
Cargo insurance is cover that helps protect goods against insured loss or damage while they are being transported.
Not always. Transporter or courier liability may be limited. Confirm whether cargo insurance is included or whether separate insurance is required.
Goods-in-transit insurance is cover for goods while they are being transported, usually by road, rail, courier, or local delivery network.
Marine cargo insurance is used for goods moving internationally or through multimodal transport, including sea, air, road, or rail depending on the policy.
It may cover physical loss or damage to goods during transit, depending on the policy wording, cargo type, route, exclusions, and insured events.
Theft may be covered if it is included in the policy and the claim meets the insurer's conditions. This depends on the policy wording and circumstances.
It may be covered if loading and unloading risks are included in the policy. Confirm this before movement.
Fragile goods may need special review, proper packaging, and clear declaration before cover is arranged.
It may, depending on the parcel type, value, courier route, documents, and insurance option selected.
It may cover WooCommerce, Shopify, Temu, SHEIN, Amazon, AliExpress, Alibaba, eBay, Etsy, and other online shop parcels if cover is arranged and confirmed before movement.
Cargo insurance usually focuses on the insured value of the goods, but treatment of duties, VAT, freight, and related charges depends on the policy. Confirm what value is insured.
Delay alone is often not covered unless specifically included. Cargo insurance normally focuses on loss or physical damage, depending on the policy.
Damage caused by poor or unsuitable packaging may be excluded. Cargo should be packed properly before transport.
Yes, high-value cargo may be insured, but it may require invoices, serial numbers, photos, value declaration, special handling, and insurer approval.
Yes, project cargo such as machinery, transformers, generators, oversized cargo, and industrial equipment may be insured, subject to review and policy terms. See Project Cargo.
Cold-chain cargo may be insured, but it may require temperature controls, monitoring, packaging requirements, and clear handling instructions. See Cold Chain Solutions.
Useful details include cargo type, invoice value, weight, dimensions, packaging, loading point, delivery point, route, transport mode, movement date, and any special handling requirements.
Cargo insurance should be arranged and confirmed before the goods begin moving.
Report the damage immediately, take photos, keep the packaging, keep all documents, notify the transporter or courier, and follow the claim process. Contact us.
