The civil liability of the carrier engaged in road freight transport for damage caused to the owner of the goods and/or third parties due to his acts or omissions is insured in accordance with the provisions of the Convention on the Contract for the International Carriage of Goods by Road (CMR).

This insurance provides protection against financial risks related to possible claims arising in case of damage or loss of the cargo, as well as other losses caused in the course of transportation.

What the insurance covers:

• Losses of the cargo owner in case of damage or loss: The insurance covers financial losses if the cargo is damaged or lost during transportation.
• Losses of the cargo owner due to delayed delivery: If the delivery of the cargo is delayed, the insurance covers possible financial losses of the owner.
• Costs of emergency measures to prevent and mitigate losses (salvage): This includes the cost of actions to minimize damage or prevent it from increasing.
• Losses due to damage to or loss of containers used in transportation: If the containers in which the goods are transported are damaged or lost, the insurance will cover these losses.
• Losses due to damage to the health or life of third parties or damage to or destruction of their property as a result of the transported cargo: If the cargo has caused damage to third parties or their property, the insurance will provide compensation.
• Costs of preventing sudden and unexpected pollution: The insurance covers the costs of measures to prevent or remedy the consequences of unexpected pollution.
• Legal and court costs: Includes attorney and litigation fees associated with insurance claims.
• Expertise costs: If an assessment of the loss or condition of the cargo is required, the insurance will cover the cost of expert services.

Factors affecting the cost of the policy:

• Sum insured (limit of liability): The total limit of liability stated in the policy has a direct impact on the cost of insurance. The higher the sum insured, the higher the premium.
• Sub-limits for certain types of losses: Additional limits for certain types of losses, such as loss of cargo, damage to third party property and others, also affect the final cost of the policy.
• Type of cargo being transported: The nature of the cargo, such as temperature controlled goods, excisable goods, hazardous goods or bulky goods, can increase the level of risk, which affects the cost of insurance.
• Routes of transportation: The hazard and complexity of the routes over which the cargo is transported are taken into account when calculating the insurance premium. International routes or difficult road conditions may increase the cost of the policy.
• Frequency of transportation: The frequency of transportation also affects the cost. Regular shipments can lower the premium due to volume, while one-off shipments can increase the risk and therefore the cost.
• Volume of cargo carried (in tons): The amount of cargo transported in a particular period plays an important role. The higher the volume, the higher the cost of insurance.
• Company turnover: The financial performance of the company, such as annual turnover, can influence the insurance premium.
• The number of vehicles insured: The more vehicles included in the policy, the higher the total cost of insurance, although discounts for quantity are possible.
• Operating experience: The length of time and success of the company in the transportation industry can affect the cost of the policy. Experienced companies can expect more favorable terms.
• Types of losses covered by the policy: The wider the range of insurance coverage, the higher the cost of the policy. This includes losses related to cargo, third parties, environment and other risks.
• Policy deductible: The amount of deductible that the company is willing to cover on its own in the event of an insured event affects the cost of insurance. The higher the deductible, the lower the cost of the policy.
• Previous loss history: The loss history of the company plays a key role. If there have been many insurance claims in the past, it may increase the cost of the policy.