INSURANCE

In case of road transport of cars and motorcycles, the carrier is liable for damages caused by its fault up to a maximum limit of 8.33 SDR (Special Drawings Right)/kg, or about ten euros per kilogram (known as carrier liability insurance or CMR insurance). For CMR insurance owner of the goods or person ordering transport does not have to pay separately. However, for most motor cars and motorcycles, the compensation limit of 8.33 SDR/kg or ca €10/kg does not even come close to covering their real market value. Also, the carrier's liability insurance extends only to losses caused by the carrier's fault and does not cover, for example, risks of theft, robbery, etc.

Additional cargo insurance covers transported vehicles and motorcycles during their transportation based to their actual value and against (almost) all risks. Cargo insurance provides the necessary insurance coverage in cases where the indemnity limit according to the carrier's liability insurance is not sufficient and/or it is not a case of compensable loss according to the terms of the carrier's liability insurance(CMR insurance).

Cargo insurance has three different possible coverage scopes:

ICC A – the broadest cargo insurance cover, which covers all cargo damages, including possible damages that may be caused by loading and/or unloading. Exclusions are just intentionally caused damages, normal leakage of the cargo, normal wear and tear and unsuitable packaging or unsuitable method of transport;
ICC B – broad cargo insurance cover with following listed risks: fire, explosion, collision of the carrying vehicle, overturning, running off the road, drowning, unloading cargo in an emergency port, general accident, sacrifice in case of saving the ship, earthquake, volcanic eruption, lightning strike, sea, lake, river water intrusion into carrying vehicle or storage location, destruction of the cargo during flooding;
ICC C – narrow cargo insurance cover with listed risks: fire, explosion, collision of the carrying vehicle, overturning, running off the road, sinking, unloading cargo in a port of emergency, general accident, sacrifice in case of saving the ship.

ICC A also differs from ICC B and ICC C protections in that the burden of proof is on the insurer. If the customer proves that damage/loss has occurred, an insurance coverable case is assumed to have happened(in case insurer does not prove the opposite), in case of ICC B and ICC C, in case of dispute, the customer must prove that the damage has occurred due to one of the listed risks.