Loud and Clear Insurance provides cargo insurance solutions for exports and imports. It offers various policy types like single transit policies, open policies, and marine sales turnover policies to suit clients' needs. Major risks covered include fire, sinking, overturning, collision and various perils during transit. Claims can be intimated toll-free or via email and tracked online, with surveys and payments processed within 30 days. The document compares Institute Cargo Clauses A, B and C and lists their differing coverage. It also details Loud and Clear's services, claims process, and contact information.

1. Cargo Insurance
Solutions for
Exports/Imports
In partnership with:
Loud and Clear Insurance@ India level
Group is providing one of the best multiline property and cargo
insurance solutions.

2. Introductions
Name Position Company
Ravikumar Damre
loudandclearinsurance@gmail.com
+7798843919
Insurance Sales &
Marketing Manager
Loud and Clear
Insurance, India
Rohit Mourya Commercial Head Loud and Clear
Insurance, India

3. Why Marine Insurance
should be done?
• Approx. 1700 containers falls overboard per year even after safety
measures.
in addition to above..
i. Efforts in Liability Demonstration
ii. Low compensation (Limited liability by careers)
iii. Contribution even after no loss(General Average Rule)
Can cause more distress..
The loss of cargo can put your business at risk.
To facilitate clients better shipping experience, LOUD and CLEAR
has developed insurance solutions that address these risks.
There is potential risk arises for your goods & cargo when
it is transported by third party transporters & carrier with
their own methods.

4. Insurance as per your
Requirements
In order to determine how best to meet your insurance needs, we
plan to address your requirements with following policies:
• Import/Export/Inland Single Transit Policy
(Where the contract is to insure the cargo at and from or from one
place to another or others)
• Import/Export/Inland Open Policy
(If regular shipments are made for 12 months ‘OPEN POLICY’
can be issued which insures goods/cargo with declarations
where ever a shipment is made.)
• Marine Sales Turnover Policy (STOP)
(STOP is a designer product for the discerning customer, an
Open Policy in the real sense of the term. The premium for the
policy is charged only on your sales turnover)

5. Loud and Clear Advantage
Loud and Clear Cargo Insurance protects Cargo Value
in partnership with Reliance General Ins. Co. Ltd
Major covers
Loss or damage caused by:
 Fire + explosion
 Stranding, grounding, Capsizing,
sinking
 Overturn, derailment
 Collision
 Discharge of cargo at port of distress
 General Average
 Jettison
 Washing overboard
 Earthquake, volcanic eruption,
Lightning
 Water damage
 Total loss of package overboard
 Total lost whilst loading or unloading
 Fresh water, ship sweat
 Improper stowage by carrier
 Theft, pilferage, non*delivery
 Leakage
 Malicious damage
 Breakage or other physical loss from
external cause
 Temperature variation (resulting from
breakdown of reefer containers)
Major exclusions
Loss or damage caused by:
 Willful misconduct of insured
 Inherent vice or nature of goods
 Ordinary leakage, loss in weight or volume, wear & tear
 Insufficiency of packing or preparation of goods
 Delay
 War on land
Benefits:
•Broad coverage: ‘All Risks’ basis (ICC –A Cover)
•Low rates negotiated only for our clients
•One stop shop: It’s so easy to arrange when you’re booking a
shipment with us.
•No excess: Covers up to the full Cost Insurance and Freight (CIF)
value plus 10%
•A simple and quick process for claims and a payment within 30
days
•ICICI Lombard is a First class insurer
•From one*off shipment to regular traffic, flexibility is the word.
The above information is only summary of what is covered under the contract developed on behalf of Loud and Clear Group's customers.
Coverage is subject to the terms and conditions of the policy. General conditions can be forwarded upon request.

6. Comparing Institute Cargo
Clauses – (A), (B) & (C)
A comparative analysis of the institute cargo clauses (A), (B) & (C)
Risk Description A' Clause B' Clause C' Clause
Fire or Explosion √ √ √
Vessel/Craft being stranded, grounded, sunk or capsized √ √ √
Overturning or derailment of land conveyance √ √ √
Collision or contact of vessel, craft or conveyance with external object other than water √ √ √
Discharge of cargo at port of distress √ √ √
Earthquake, Volcanic eruption or lightning √ √ X
General Average Sacrifice √ √ √
Jettison √ √ √
Washing Overboard √ √ X
Entry of sea, lake or river water into vessel, craft, hold, conveyance, container, lift van or
place of storage
√ √ X
Rainwater Damage √ X X
Total loss of any package lost overboard or dropped whilst loading on to or unloading
from vessel or craft
√ √ X
General Average and Salvage Charges √ √ √
Pirates, Thieves and Non-delivery √ X X
Rough Handling √ X X
Contamination √ X X
Deliberate damage or destruction by malicious acts of other persons √ X X
Liability Under 'Both to blame collision' √ √ √
Other extraneous Perils all involving a fortuity i.e. Improper stowage, Rough handling,
Breakage, leakage, denting, scratching, crushing, crumpling, chipping, Heating sweating,
Rust, Hook & Sling Damage, Contact with mud, oils and acids, damage by other cargo,
Shortage, Pilferage, Theft etc.
√ X X
KEY: √ - Covered X - Not Covered

7. Question and Answer
• How different is your services than others?
 As a world-leading container shipping group, we are familiar
to your business line and very well understand your cargo
insurance needs.
 We offer – ‘All Risk’ (A) cover with in budget price.
• What kind of services can you provide?
 Online process for claims and a payment within 30 days.
 Online portal access for instant ‘CertificatesDeclarations’.
 Premium negotiations and proactive claims follow ups with
insurance companies only for our client.
 Emergency assistance in case of Accident & Claim.
 Micro management of your insurance portfolio i.e. assessing
changing insurance needs & negotiating ‘No Claim’ insurance
benefits.

8. Call Toll Free
or
Use email
option
Claim
Intimation
Survey
Appointment
& Report
Track Claim
Upload View
Documents
Claim
Assessment
Payment
Processed
Claim Steps
Claim Intimation and Claim Tracking System
• Call Toll Free - 1800 3009 or email to -
loudandclearinsurance@gmail.com
• Intimate Claim and obtain Claim Reference Number.
• Survey Appointment details will be shared with you &
subsequently Surveyor will upload the Report.
• You can 'Track Claim' online using claim ref. number.
• You can upload and view your claim documents as and
when required.
• Claim assessment will be done and payment is
processed within 30 days.

9. Thank You
Contacts:
Email: loudandclearinsurance@gmail.com
Mobile: 07798843919