Inland Transit vs Marine Cargo insurance

If your business involves the transportation of finished or unfinished goods or raw materials, you probably need a form of marine insurance. Several types of such insurance options are available depending on the need, but for someone involved in the transit of goods, cargo protection is of utmost importance. Marine insurance could be via any sort of conveyance, namely, ship, road, rail or mail. The article below shall delve into the differences between the two most common types of marine insurance- inland transit and marine cargo insurance.

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Before we dig deep into the difference between these two insurance types, let us first understand what they mean.

Inland Transit Insurance

Inland transit insurance is specifically designed to provide extensive coverage to the insured’s goods or cargo while they are being transported within the country. Also, sometimes referred to as domestic transit insurance, this insurance is part of marine insurance, however, the transit should be within the borders of the country. This policy is the best available option to protect goods from damage or losses while in transit.

Learn more about Marine Insurance

Marine Cargo Insurance

If your business is involved in the import and export of goods or is expanding to overseas markets, marine cargo insurance is a must. This cargo insurance policy can offer protection for your shipments as transit to different countries encompasses higher risks and a different set of laws. The conveyance can be in form of sea, land or aerial.

Inland Transit vs Marine Cargo Insurance

Since we have now put some light on the basic concepts of inland transport and marine insurance, we shall now focus on the factors that differentiate one from another.

Differentiating Factor Inland Transit Insurance Marine Cargo Insurance
Meaning Inland transit insurance is the coverage for insured shipments or goods when being transported domestically mostly by land. Marine cargo insurance provides coverage for the import or export of goods from one nation to another, by the means of land, air or sea.
Means of transport Typically, this insurance doesn’t cover the transport of goods by sea or air. This insurance usually includes any means of transportation.
Geographical location Within the country’s borders International trade
Coverage clauses This insurance provides coverage under two types of clauses:
Inland Transit Clauses (A): Coverage for all types of damages excluding rainwater damages
Inland Transit Clauses (B): Coverage for only accidental damages
This insurance provides coverage under:
International Cargo Clause (A): Coverage for all types of damages excluding rainwater damages
International Cargo Clause (B): Coverage for only accidental damages
Common perils covered Some common perils covered are:
Manmade or natural calamity
Accidental damages
Some common perils covered are:
Fire accident
If cargo leaves the port of distress

Why Buying an Insurance Is Important?

Be it inland transit insurance or marine cargo insurance, goods in transit must be insured. We list down a few reasons why buying an insurance policy for your shipment is a must.

  • Regardless of the precautions you take, accidents can sometimes be inevitable.
  • Losses incurred can be huge.
  • Carrier's limit of liability is fixed to a certain amount and they shall pay only to that extent.
  • Settling of claims has fastened due to digitalization and cross-functioning


Marine insurance and inland transit insurance aren’t complicated; however, it is always a great idea to understand the differences and the need of the shipper and then navigates various insurance providers before making a buying decision.

Written By: PolicyBazaar - Updated: 16 November 2023

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Policybazaar for Business - Marine Insurance - Customer Reviews
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Based on 114 reviews
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3.8 April 20, 2023
Great Experience
I recently purchased Marine insurance from Policybazaar for my shipping business and I must say I am thoroughly impressed with their service and coverage. From start to finish, the experience has been smooth and hassle-free.Thankyou.
4.3 April 03, 2023
Provides Comprehensive Protection
When it comes to coverage, Marine insurance that i bought from PolicyBazaar has exceeded my expectations. It provides comprehensive protection for my cargo and vessels during transit, ensuring I can focus on my business operations with peace of mind. Thankyou.
4.3 March 17, 2023
Excellent Services
I highly recommend Marine insurance from PolicyBazaar website to anyone in the shipping or logistics industry. Their user-friendly website, comprehensive coverage, and excellent customer service make them stand out from the competition. With Policybazaar, I feel confident in navigating the high seas, knowing that my business is well-protected. Thank you, Policybazaar.
4.3 February 28, 2023
User Friendly Interface
The website's user-friendly interface made it easy to compare different plans and find the perfect fit for my business needs.Thanks
4.3 February 11, 2023
Prompt Services
I appreciate the transparency and honesty with which Policybazaar handled my claims. They were prompt in processing my claim and their claim settlement process was hassle-free.Thanks PolicyBazaar.
3.8 February 10, 2023
Exceeds Expectations
I recently had the pleasure of purchsing marine insurance from Policy bazaar website and I must say it has been an outstnding experience from start to finish. I am thrilled to share my positive customer review, as this truly exceeded my expectations. Thanks PB.
3.8 January 31, 2023
Easy Navigation
The ease of navigating the Policy bazaar website and finding the right marine insurance policy was impressive. The website's user-friendly interface and intuitive design made it incredibly simple to compare various options, understand the coverage details and make an informed decision. I appreciated the transparency provided throughout the process. Thanks.
3.8 January 21, 2023
Excellent Support
The customer service provided by Policy bazaar was decent. Their team was responsive, knowledgeable and went above and beyond to assist me at every step. Their professionalism and commitment to customer satisfaction were truly commendable.Thankyou.
4.3 January 11, 2023
Sanjeev Rathor
Efficient Process
When it came to claims processing, Policy bazaar demonstrated remarkable eficiency and effectivenes. I had an unfortunate incident during the coverage period and filing a claim was a breeze. The entire process was streamlined and their team guided me throuugh every necssary step, making it hassle-free. The promptness with which my claim was setled reflected their commitment to their customers' well-being and peace of mind. Thankyou.
3.8 January 01, 2023
Comprehensive Coverage
I must mention the comprehensive coverage provided by the marine insurance policy I purchasd through Policy bazaar. It offered me the necesary protection and peace of mind. Thankyou PolicyBazaar.