{"id":16807,"date":"2026-02-27T15:55:34","date_gmt":"2026-02-27T12:55:34","guid":{"rendered":"https:\/\/rapid.com.ua\/?p=16807"},"modified":"2026-03-16T20:30:46","modified_gmt":"2026-03-16T17:30:46","slug":"strakhuvannya-vantazhiv-shcho-realno-pokryvayetsya-a-shcho-ni","status":"publish","type":"post","link":"https:\/\/rapid.com.ua\/en\/articles\/strakhuvannya-vantazhiv-shcho-real%ca%b9no-pokryvayet%ca%b9sya-a-shcho-ni","title":{"rendered":"Cargo insurance: what is really covered and what is not"},"content":{"rendered":"

Cargo insurance is one of those topics where the gap between business expectations and reality can be the most painful. A company sends cargo, confident that \u00abeverything is insured\u00bb, and when trouble happens, it turns out that the insurance policy<\/span>is <\/b>covered much less than it seemed. Or that the insurance terms and conditions contained restrictions that no one had read carefully. To prevent this from happening to your business, let's look at how the cargo protection system actually works in international transport.<\/span><\/p>\n

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Two fundamentally different things: CMR insurance and cargo insurance<\/span><\/h2>\n

The first and most important thing to understand is that carrier liability and cargo insurance are not the same thing. Most business owners do not make this distinction, and this is where the problems begin.<\/span><\/p>\n

CMR insurance is carrier liability insurance in accordance with the Convention on the International Carriage of Goods by Road, 1956. It does not protect you as a shipper, but the carrier. In case it is found guilty of loss or damage to the cargo. The carrier's CMR insurance is a mandatory requirement for international transport and confirms its responsibility to the client.<\/span><\/p>\n

But the key detail is limited liability. As noted by <\/span>Yurydychna Gazeta<\/span><\/a> With reference to Articles 23-24 of the CMR Convention, the amount of compensation for loss of cargo is limited to 8.33 SDR per kilogram of gross weight. In practice, this is approximately EUR 10-11 per kilogram. That is, if your cargo weighing 1,000 kg is worth 50,000 euros and the carrier is found guilty, the maximum you will receive under the CMR is about 10,000-11,000 euros. No one will refund the difference.<\/span><\/p>\n

However, cargo insurance on behalf of the cargo owner is a separate insurance policy that is taken out by the sender or consignee. It is the only tool to fully protect the value of the goods.<\/span><\/p>\n

What voluntary cargo insurance really covers<\/span><\/h3>\n

In order to protect the real value of the goods, Rapid recommends taking out a policy based on the Institute of London Insurers\u00ab Cargo Clauses A. This is the widest possible \u00bball risks\u00ab format.<\/span><\/p>\n

In 2026, such protection includes:<\/span><\/p>\n