What does transport insurance cost?

Transport insurance typically costs 0.1–0.5% of the goods value, depending on the goods, route and mode of transport. Standard goods on EU roads usually have a lower rate.

What does all-risks insurance cover?

All-risks insurance covers all transport risks, except explicitly excluded damages (war, nuclear energy). It is broader than basic liability insurance.

Am I automatically insured through CMR?

CMR only covers the limited liability of the carrier (8.33 SDR/kg). The goods value is often not covered. A separate transport insurance policy is therefore recommended.

Tools/Verifica Copertura Assicurativa

Verifica Copertura Assicurativa

in 15 secondi

Analisi professionale della copertura assicurativa per tutti i modi di trasporto. Frachtportal raccomanda SEMPRE un'assicurazione trasporti per una protezione ottimale.

100% gratuitoAnalisi istantaneaTutti i modi di trasportoNessun login richiesto

Analisi Assicurativa

Tipo di Trasporto

Peso (Lordo) (kg)

Valore Merci (CHF)

Numero di Colli o Container

Analisi live attiva

Importante esclusione di responsabilità

Questo calcolatore fornisce solo un'indicazione non vincolante degli importi massimi di responsabilità legale. Le condizioni effettive possono variare per paese, fornitore di servizi di trasporto e le loro condizioni generali. Frachtportal non si assume alcuna responsabilità per danni derivanti dalla mancata assicurazione delle spedizioni basata su questo calcolo. Contattare SEMPRE il proprio fornitore di servizi di trasporto per informazioni vincolanti su responsabilità e copertura assicurativa.

Contattare sempre il proprio fornitore di servizi di trasporto per informazioni vincolanti.

Importi massimi di responsabilità legale (possono variare):

Trasporto Marittimo: 3 CHF/kg o 1000 CHF/pacco (il più alto)

Trasporto Aereo: 32 CHF/kg

Trasporto Stradale: 12.3 CHF/kg

Frachtportal-Empfehlung

Frachtportal raccomanda SEMPRE un'assicurazione trasporti - indipendentemente dal gap di copertura.

Hinweis: Contattare sempre il proprio fornitore di servizi di trasporto per informazioni vincolanti.

Perché sempre un'assicurazione trasporti?

Elaborazione rapida dei sinistri

Prevenzione professionale dei danni

Gestione professionale dei sinistri

Protezione completa

Rischi aggiuntivi (spesso NON coperti):

Danni da ritardo

Costi di trasporto aggiuntivi

Dazi doganali e tasse

Costi di stoccaggio dovuti a ritardi

Base di calcolo:

Analisi degli importi massimi di responsabilità legale secondo standard internazionali. IMPORTANTE: Questi possono variare da paese a paese e le condizioni generali del fornitore di servizi di trasporto devono essere considerate.

Cargo Insurance Calculator – Complete Guide for Exporters

Cargo insurance protects goods during international transport against loss, damage, or theft. Unlike the statutory carrier liability (CMR: max. 8.33 SDR/kg; sea freight: max. 2 SDR/kg), cargo insurance covers the actual value of the goods.

The premium depends on goods value, transport route, type of goods, and the chosen coverage clause. This calculator determines the recommended sum insured, shows the coverage gap from carrier liability, and calculates the annual premium.

ICC Clauses A, B, C – Which Coverage Do I Need?

ICC AAll Risks

Most comprehensive coverage. Covers all risks except explicitly excluded ones (war, strikes available as add-ons). Mandatory for CIP Incoterm since Incoterms 2020. Recommended for high-value or fragile goods.

ICC BExtended Standard Coverage

Covers named risks: fire, explosion, stranding, capsizing, collision, earthquake, flooding, water ingress, theft of whole packages. Not covered: scratches, dents, leakage.

ICC CBasic Coverage

Only serious events: fire, explosion, vessel casualty, general average. No protection against theft or water damage. Was formerly standard under CIF – replaced by ICC A in Incoterms 2020.

Carrier Liability vs. Cargo Insurance – The Difference

Many shippers incorrectly rely on carrier liability. However, it is legally severely limited:

Transportweg	Haftungslimit	Beispiel	Problem
Road (CMR)	8.33 SDR/kg	100 kg: max. ~CHF 1,230	Electronics at CHF 200/kg = 96% coverage gap
Sea freight (HVR)	2 SDR/kg or 666.67 SDR/package	1,000 kg: max. ~CHF 2,957	Machinery at CHF 50/kg = 94% gap
Air freight (Montreal)	22 SDR/kg	50 kg: max. ~CHF 1,623	Electronics at CHF 400/kg = 94% gap

1 SDR ≈ CHF 1.47 (varies daily). The difference between actual goods value and the liability limit is the coverage gap – this amount is lost in a claim without insurance.

5 Common Cargo Insurance Mistakes

Relying on carrier liability

Carrier liability in a loss event covers only a fraction of the goods value. For high-value goods, the coverage gap can exceed 90%.

Not supplementing CIF insurance as buyer

CIF only obligates the seller to minimum coverage (ICC C). Buyers must arrange their own all-risks coverage (ICC A), as ICC C excludes many everyday risks.

Insufficient sum insured

The insured value should be 110% of the invoice value (10% for consequential costs like duties, storage, replacement). Underinsurance leads to proportional reductions in claims.

Assuming packaging damage is covered

ICC B and C do not cover damage from inadequate packaging. Even ICC A excludes damage from improper packing. Packaging must be seaworthy or airworthy.

Violating notification duties

Damage must be reported to the carrier immediately (visible damage) or within 3 days (concealed damage) in writing. Late notifications can lead to claim rejection.

FAQ

How much does cargo insurance cost?▼

The premium is typically 0.05–0.5% of the goods value, depending on goods type, route, and clause. Dangerous goods, electronics, or artwork have higher rates. A shipment worth CHF 50,000 usually costs CHF 25–250 in premium.

What is the difference between CIF and cargo insurance?▼

CIF is an Incoterm obligating the seller to arrange minimum insurance (ICC C) for sea freight. Standalone cargo insurance (ICC A) provides significantly broader protection and can be arranged for all transport modes.

What is an open cover policy?▼

An open cover (annual policy) automatically insures all of a company's shipments within defined parameters. Cheaper than single-shipment policies; recommended from approximately 20 shipments/year.

Is cargo insurance relevant for customs?▼

Yes. The customs value is calculated as CIF value (goods value + insurance + freight to import border). A correct sum insured directly affects the customs assessment basis.

What to do in case of transport damage?▼

Document damage immediately (photos), note reservation in writing on the delivery receipt, report to insurer, keep damaged goods until inspection. For sea freight: appoint average adjuster.

Do I need cargo insurance under DDP?▼

Under DDP the seller bears all risks until delivery and should therefore arrange ICC A. The buyer has no direct interest but should ensure the seller is actually insured.

Related Tools and Information

Incoterms 2020 Simulator – Who bears which risk?Transport Cost Calculator – Calculate freight rates Sea Freight – Insurance, B/L and documents explained Air Freight – AWB, IATA dangerous goods and insurance Insurance Overview – CMR, carrier liability, cargo insurance Glossary – Cargo insurance terminology