Transit Risks
Marine Cargo
Marine cargo insurance protects goods and merchandise against physical loss or damage during transit by sea, air, rail, road, or multimodal transport, typically on a warehouse-to-warehouse basis from origin to destination, covering “all risks” or named perils.
It can be offered on single shipments or as open policies for frequent traders. As one of the main policies in a vital industry, it is essential for importers and exporters.
Goods-in-Transit
Goods-in-transit insurance protects goods, stock, tools, or customer property against loss, theft, or damage while they are being transported - typically by road between locations within a country, from loading at the point of dispatch to unloading at the destination.
It usually responds to events such as vehicle accidents, overturning, fire, storm, or theft from vehicles, and may apply whether items are carried in your own vans/lorries or by third-party carriers.
Haulier’s Liability
Haulier's liability insurance indemnifies road haulage companies for their legal liability as carriers for physical loss, damage, theft, or misdelivery of customers' goods while under their custody during transit, adhering to perils such as accidents, fire, overturning, burglary, or riot.
Unlike goods-in-transit insurance (which protects goods owners for full value regardless of fault), haulier’s liability only pays proven claims pursued by customers, excluding consequential losses.
Motor Risks/Fleet Comesa Card
Motor comprehensive insurance offers the highest level of vehicle protection, covering own damage to your vehicles from accidents and named perils, plus third-party liability for bodily injury, death, or property damage caused to others.
Third-party fire and theft insurance is a mid-level policy that covers damage or injury you cause to others (third parties), plus loss or damage to your own vehicle from fire (including lightning/explosion) or theft (including attempted theft).
It exceeds basic third-party cover by protecting your car against fire/theft but excludes accidental damage to your vehicle for other reasons.
Motor third-party insurance is Zambia's mandatory minimum for all road vehicles, covering only liability for bodily injury, death, or property damage you cause to others.
It fulfills RTSA legal requirements for road tax discs but excludes own vehicle damage, theft or fire. Affordable for low-value vehicles, it leaves you exposed if your vehicle is damaged/stolen.
The COMESA yellow card certificate is a regional third-party motor vehicle insurance providing minimum compulsory protection required across participating member states for losses to third parties. It facilitates cross-border travel without needing separate policies per country.