Instructions to the Policy holders
1. Act as follows on receipt of a shipment
- Check the consignment before signing the receipt (waybill or similar freight document).
- Count the number of the packages and check with the number stated in the Bill of Lading or Waybill.
- Inspect the packages carefully. Note that a slight damage on the package can mean serious damage inside.
- If there is damage or loss, investigate the aforementioned.
- If possible, take photos to demonstrate the damaged condition of the goods whilst still in the truck or container, or to demonstrate bad stowage.
2. Safeguard the recovery
Make a remark in the freight documents of damage or loss.
The remark should be written on the carrier's copy of the freight document, and also be noted in receiver's own copy.
The remark should specify:
- Number of missing and/or damaged packages
- Type of damage (broken, wet, torn contents leaked out)
- Cause of damage, if known (package overturned, wet due to torn/damaged tarpaulin etc.)
- Date and signature
Send a written notice of damage or loss to the carrier/haulier within stipulated time. See more details under Notice of loss or damage.
3. Notify the average agent
Notify the loss or damage to If P & C Insurance's average agent. The average agent makes a survey to establish the extent of the damage or loss, its cause, and other relevant facts bearing on the matter. The average agent may arrange a joint survey with carriers or other liable third party. The average agents are shown in a separate lists under Average Agents.
4. Minimise the damage
Prevent further damage by taking protecting measures. Damaged goods should be handled with care. Separate damaged goods from sound goods. Do not destroy damaged goods without insurance company's acceptance. See under Check list on receipt of goods for printing out the checklists.
5. Claim for indemnity
Always make a detailed claim statement, preferably by using the claim form . The claim must be put forward for settlement under the insurance well before expiry of the time limit for presenting a recovery claim to the haulier, carrier or other third party.
6. Claim documents
Following documents to be attached to the claim:
- Commercial invoice
- Weight or packing specification
- Bill of Lading or Waybill
- Copy of Notice of Loss to carrier or haulier
- Landing, terminal, or discharge report/receipt
- Survey Report with photos
- Any other document stating the circumstances in the case
7. Claims settling
The damage will be settled in accordance with the conditions and terms of the insurance policy. If the local average agent has the status of a settling agent, he can also pay the compensation.
If there is not a settling agent in the country, the claim is to be sent to If P & C Insurance Company Ltd.