Make a Marine and Transit claim

Helpful information

You should always inspect your cargo on arrival.

If a loss or damage is discovered upon inspection, you should:

1. Take all reasonable steps to minimise any further loss or damage and not dispose of any damaged goods without first giving us the opportunity to inspect it.
2. Immediately notify your insurance broker.
3. Note the loss or damage on the delivery docket when signing for receipt of the goods from the transport company and/or lodge a written claim against the carrier using your letterhead within three days of the goods being delivered. Here is an example that can be copied onto your letterhead with the relevant details inserted.
4. Complete the appropriate claim form.
5. The following documents will need to be provided together with the claim form. We do not require the originals unless specifically requested.
6. Send completed claim form and relevant documents to your broker or directly to us.

Helpful information

In the event of an incident with your commercial craft, you should:

1. Take all reasonable steps to minimise any further loss or damage
2. Immediately notify your Insurance Broker. Please ensure you note the details of the incident including:

• Dates and times
• Names and contact details of any witnesses
• A diagram of the scene.

In the event of a collision or grounding, it will assist with understanding the situation/circumstances of the accident.

3. Complete the claim form above.
   Please note: if there is no damage to your vessel but there is loss, damage, injury or expense to a third party, please refer to the marine liability claims section.
   
4. The following documents will need to be provided together with the claim form. We do not require the originals unless specifically requested.

• Photographs of the damage
• Quotation/invoices for repair/replacement
• Masters/chief engineers/accident/incident report/notice or protest (if applicable)
• Copy of any relevant deck/engine log books
• Letter of demand to/from any third party involved in the incident (if applicable)
• Classification society reports relevant to the damage/repairs (if applicable)
• Copy of the vessel’s Class Maintained Certificate (if applicable)
• Confirmation of compliance with any policy warranties.

5. Inform your local maritime authority for incidents on the water and the police for any loss involving theft and vandalism.
6. Send completed claim form and relevant documents to your broker or directly to us.

You should not, without our prior written consent, incur any expense in making good any loss or damage (other than to minimise any further loss).

Depending on the size or type of loss we may appoint a surveyor to inspect the goods and gather information. In the event that we do appoint a surveyor, the documentation requested above should be made available to them as this will assist in the handling of your claim.

Helpful information

If you are insured by a Zurich legal liability wording, or under a third party liability section of a Zurich policy wording and an incident occurs, you should:

1. Immediately notify your insurance broker.
2. Forward any written complaint from the third party holding you liable for any loss, damage, injury or expense detailing the nature and circumstances of the incident.
3. Note the details of the incident including:

• Dates and times
• Names and contacts details of any witnesses
• A diagram of the scene
• Photographs of the scene, if possible
• Copy of any accident/incident report/statutory notice.

4. Complete the appropriate claim form.
5. Send the third party complaint and supporting material to your broker or directly to us.

In order to assess your claim we need to be given every reasonable opportunity to investigate the incident and establish the facts and cause. This may involve us appointing a surveyor/investigator who will assist with establishing the circumstances of the loss. Your co-operation with them is appreciated as this will assist in the handling of your claim.

Note: It is important that you do not admit liability without our written consent or take any action that could be considered an admission of liability, as this may prejudice your claim.