1. GUIDELINES ON INSURANCE
CLAIMS
PREPARED BY : T.S.SHRINIVAASAN OF
MAR-TECH INSURANCE SURVEYORS
& LOSS ASSESSORS PVT.LTD.,

2. GUIDELINES ON INSURANCE CLAIMS
CARGO
INSURANCE
SEA CARGO
BREAK BULK CONTAINERS
LCL FCL
AIR CARGO LOCAL
TRANSIT

3. GUIDELINES ON INSURANCE CLAIMS
SEA CARGO – BREAK BULK
• Gather landing information from clearing agents.
• Later ask them to obtain landing remark certificate (LRC) from Port
incase of Damage or Loss.
• Within 3 Days of landing, apply for Joint Survey with Steamer Agents /
Customs. Other wise it will be treated as Time-Barred Survey.
• On Consignee’s behalf, Clearing Agents can also apply for Joint Survey.
• On the Basis of Joint Survey findings, pay Customs Duty as required.
• Detailed final survey be held at final warehouse with Insurance
Surveyors.
• On the Basis of Final Survey findings, prefer firm monetary loss on carrier
or their Agents by Registered Post with ACK Due.

4. SEA CARGO-DOCUMENTS
• Submit Insurance Claim documents to your Insurer:
– Claim Form.
– Invoice
– Packing list
– Consignee copy of Bill of Lading
– Bill of Entry
– Landing remark Certificate
– Steamer survey Report
– Claim on carriers with ACK
– Communication exchanged between Carrier / Shipper
– Salvage offer

5. SEA CARGO – CONTAINERS - LCL
LCL : One or more Shippers sending consignments to more than one
Consignee in a Container (Less Container Load).
• Carriers are responsible for Damage (or) Loss to cargo.
• Obtain De-Stuffing tally sheet from CWC or Concerned
CFS.
• Apply for Joint Survey with carrier Agents / Customs.
• Pay Customs duty as required as per Joint Survey.
• Conduct Final Survey at the final Warehouse.
• Prefer firm Monetary Loss on carriers with ACK Due.
• Submit Insurance Claim Documents to your Insurer

6. SEA CARGO-LCL- DOCUMENTS
– Claim Form.
– Invoice
– Packing list
– Consignee copy of Bill of Lading
– Bill of Entry
– De-stuffing Tally Sheet.
– Steamer survey Report
– Claim on carriers with ACK
– Communication exchanged between Carrier / Shipper
– Salvage offer

7. SEA CARGO – CONTAINERS - FCL
• FCL: FULL CONTAINER LOAD.- One shipper sending Consignment to one
Consignee in a Container.
• This kind of Shipments are done as House Stuffing i.e.: Stuffing takes place at
Shipper’s Godown.
• Hence Bill of Lading for such shipments are issued with a clause viz: “SHIPPER’S
LOAD & COUNT”
• In such Shipments, Carriers are responsible for loss or damage to cargo, only if
the Container’s Seals are Tampered at Discharging Port.
• Even if the Seals are Intact and if there exists any deficiency to Container’s
structure like Roof / Paneling Cut / Torn / Holed, please prefer notice on carriers.
• Any evidence of water Entry into Container, Salinity test be conducted on sample.
• If Salinity test is Positive, please put notice on Carriers.
• All communication to carriers be intimated to Insurer and your Shipper.
• After detailed Final Survey, prefer Firm Monetary Loss on Carriers with ACK Due
• Submit Insurance Claim Documents to Insurer.

8. SEA CARGO FCL-DOCUMENTS
– Claim Form.
– Invoice
– Packing list
– Consignee copy of Bill of Lading
– Bill of Entry
– Evidences like salinity test or photos of containers
showing deficiency.
– Steamer survey Report , if done.
– Claim on carriers with ACK
– Communication exchanged between Carrier / Shipper
– Salvage offer

9. AIR CARGO
• Obtain Landing information through your C & F Agents.
• If landed in Damaged / Tampered condition, apply for
Joint Survey with Air Carrier / AAI / Customs.
• Pay Customs duty as required.
• If landed sound but subsequently damaged at
AAI, please put notice on AAI
• Location Slip gives information About Landing
condition.
• After detailed Final Survey, prefer Firm Monetary Loss
on carriers with ACK Due

10. AIR CARGO DOCUMENTS
• Submit Insurance Claim Documents to Insurer.
– Claim Form.
– Invoice
– Packing list
– Consignee copy of Airway Bill
– Bill of Entry
– Location slip
– Joint survey Report , if done.
– Claim on carriers with ACK
– Communication exchanged between Carrier / Shipper
– Salvage offer

11. LOCAL TRANSIT
• Incase of Damage or Loss noticed during door
delivery, endorse on or reverse of Lorry Receipt
about condition of Goods and ask Driver or
Carrier Representative to Sign.
• Incase of Damage or Loss at Transporter’s
Premises, please get Open Delivery
• After detailed survey at final Warehouse please
prefer firm Monetary Loss on Carriers with ACK
Due.
• Notification of loss to Insurer is to be done within
7 days of arrival of truck.

12. LOCAL TRANSIT - DOCUMENTS
– Claim Form.
– Invoice
– Packing list
– Lorry Receipt copy
– Damage or shortage certificate from Transporter
– Claim on carriers with ACK
– Communication exchanged between Carrier
/consignor
– Salvage offer

13. CONCLUSION
• PREPARED BY : T.S.
SHRINIVAASAN, PRINCIPAL
SURVEYOR, MAR-TECH INSURANCE SURVEYORS
& LOSS ASSESSORS PVT.
• Mobile: +91 9840022241
• E-MAIL : - martech@eth.net
• DISCLAIMER: While due diligence is exercised in
preparing above general guidelines but same are
not exhaustive and we are not responsible for
any omissions.