For this class of claims, it is essential that precautionary steps be taken at the onset of the discovery of loss or a potential loss.
The steps are highlighted below:
- To put the Carriers, Port Authorities and/or other Bailees on Notice, holding them liable for the loss or damage sustained by the cargo.
- To call for a survey immediately by notifying the survey agent as listed in the policy (this applies to overseas destination ports) and requesting the carrier or other bailees to attend a joint survey. For inbound cargo to Singapore, please contact our Claims Department immediately.
- In all circumstance, a clean receipt for goods must not be given especially when goods received are in a doubtful condition. However, if circumstances require, a written protest must follow immediately.
- It is essential to clause the delivery note / receipt / order if the container is delivered damaged or with seals broken or missing or with seals other that the one explicitly stated in the shipping documents.
- If the loss was not apparent at the point of taking delivery of the goods, written notice must be given to the carriers or other bailees within 3 days of delivery.
** The insured must take reasonable measures to avert or mitigate a loss. The Insured must act as if there is no insurance coverage at all.
The documents required for our consideration are as follows:
- Original Policy(s) or Certificate(s) of Insurance
- Original Bill of Lading or Air Way Bill
- Copy of the Commercial Invoice
- Packing List
- Correspondence exchanged between Carriers or other Bailees
- Cargo Irregularity Report(s)s or Cargo Clearance Permit(s)
- Delivery note / receipt / order
- Survey Reports (Loading & Discharge, if applicable)
- Landing Weight Certificates or Weight Notes
- Repair / Replacement Invoices
- Any other relevant document evidencing the Loss or Damage
The above gives a brief and generalised summary of the claims procedure and is not an interpretation of the policy terms and conditions. We would advise that the policy schedule, endorsement, policy jacket and/or certificate of insurance should be read in conjunction with the above.
Depending on the circumstances of each case, further investigations may be required and there may be a request for further documents. Assistance may also be sought from the policyholder.