Gondrand transport company is specialized in domestic and international transport, multimodal transport and logistics.

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Limits of responsability

 

Insurance against overall risk

This guarantee covers goods (also called faculties) against risks related to transport.

As opposed to liability insurance, which only covers the service provider’s, transport provider’s, and the transport broker’s responsibility, the Ad Valorem insurance covers the transported goods against all risks of damages related to transport.

Goods destroyed within the framework of a force majore case shall not be eligible for indemnification with an RC policy, although they will be eligible within the framework of Ad Valorem insurance.

 

AD VALOREM insurance permits insuring the goods in and of themselves based on their real value.

Even when there is an exonerating case of force majore (for example: a storm) for the transport provider and the transport broker, the goods shall be indemnified by the Ad Valorem insurer.

There are some classic coverage exceptions in the insurance contract: :
- goods with their own vice
- packaging failure
- particular nature of the goods (live animals... art objects...)

 
This transported goods insurance may be signed for sea, air, and land transports.

A specific type of insurance corresponds to each type of transport.

The insurance value to be considered is the real value of the goods.
This value must be real and must be able to be justified in case of an incident.

This value serves as the basis to calculate the insurance premium and for the indemnification in case of an incident.

The type of goods must also be verified, since the conditions exclude certain goods or limit indemnification amounts when a certain value is exceeded (live animals, used goods, alcohol, cigarettes, art works...). )



Transport Insurance Contract Framework :
Contracts signed in France refer to the “PRINTED” types/general conditions (refined by the insurers). These printings are reviewed regularly.

1- Maritime Insurance
    - FAP Except: (Specific fault range)

Damages and material losses caused by one or many circumstances listed in a nominative and limitative manner are exclusively covered. It is regarding larger risks such as shipwreck, overturning, boarding, fallen shipment..... contribution to common fault.

    - Against all risks :

This insurance is much more wide-ranging than the previous one, and it covers specific faults.
However, not all of the faults are covered and there are some exceptions.
Financial, commercial or indirect damages (the consequences of a delay in particular are not covered) are specifically excluded.

    - Maritime insurance against war risks and those assimilated :

These risks are excluded from the ordinary risk insurance, but they may be covered only during the maritime portion of the trip (Waterborne guarantee) or during the whole trip (printing on 01/05/85).
Not all of the circumstances are covered, mainly: destruction, deterioration, theft, looting, and disappearances as a result of a civil or foreign war... political terrorism or sabotage.

This insurance is agreed upon with an extended premium and it can be rejected or suspended for certain destinations.

 

2- Air insurance
    - Ordinary risks :

The guarantee called “major accident” corresponds to the FAP coverage Except Maritime. (plane crash, collision, shipwreck, falling.....).

    - Insurance against all risks :

It is essentially the same to that applied in the maritime transport framework.

    - War risks :

They are the same as in maritime matters, except for the Waterborne guarantee, which is not valid for air.

 

3- Land insurance
    - The guarantee called by specified accident corresponds to the FAP Except Maritime.

    - The guarantee against all risk is of the same type as the previous ones.

    - The guarantee for war risks and those assimilated must be signed separately.

 
PROCEDURE IN CASE OF AN ACCIDENT WITH TRANSPORTED GOOD INSURANCE
Resource Preservation : making OBSERVATIONS is fundamental. They imply a presumed responsibility and they maintain the resource, conditioning the right to action against those responsible.

They must be clear, precise and made as fast as possible.

The terms vary according to the types of transport, but :

 - in case of apparent damage, it is imperative to make observations at the moment of delivery regarding the transport or delivery service, and to confirm them immediately by certified letter with acknowledged receipt

 - if the damages are not apparent, the observations must be made in writing (certified letter with acknowledged receipt), generally within 3 days after the delivery. (this term is often imperative).

If the observations are not made, any actions against those responsible may be disqualified.