International Cargo Clauses & Inland Transit Clauses in Marine Insurance

Marine insurance coverage is divided into two types. One is International Cargo Clause (ICC) and the second is the Inland Transit Clause (ITC). Both ICC and ITC are further divided into two parts. These clauses distinguish between National and International transits and the type of coverage marine insurance provides.

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International Cargo Clause (ICC)

As the name suggests, the International cargo clause provides coverage for the transits for international cargo only. There are two types of coverage under International Cargo Clause (ICC):

International Cargo Clause

ICC A

International cargo clause A provides coverage for all kinds of damages except rainwater damage.
ICC B

International cargo clause B provides coverage for accidental damages only.

Now, let's move on to the Inland Transit Clause (ITC)

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Inland Transit Clause (ITC)

As the name suggests, the Inland Transit Clause provides coverage for transits in India only. Again, there are two types of coverages under the Inland Transit Clause:

ITC A

Inland transit clause A provides coverage for all kinds of damages except rainwater damages.
ITC B

Inland transit clause B provides coverage for accidental damages only.

Also, be it ITC or ICC, the insured must have an insurable interest in the property to get it covered by any of the clauses under Marine/cargo insurance.

Excluded Perils under Marine Insurance

Here are a few perils that will not be covered under the above-mentioned clauses under any condition.

Damage due to willful misconduct
Damage due to bad packaging
Loss or damage due to delay in cargo’s arrival
Loss due to financial default or insolvency of the operator of the cargo

Let us make you understand it with a case scenario.

Case Scenario

ABC Export Pvt. Ltd. is an international exporter of goods. The company’s CEO decided to purchase a marine insurance plan that could provide comprehensive coverage. The CEO chose to purchase the International Cargo Clause A, as it provides coverage for all kinds of perils.

Since the company purchased the International Cargo Clause-A that provides comprehensive coverage, the CEO has to pay an extensive premium. If the company had purchased the International Cargo Clause-B then it would have only provided coverage for accidental damages only and therefore the premium amount would have been lower as compared to International Cargo Clause-A.

Conclusion

If you are a transporter then you can opt for the above-mentioned types of coverage under the marine insurance policy or cargo insurance. If you transport goods in India only then you can opt for the Inland Transit Clause however if you transport goods out of India then you can opt for the International Cargo Clause and choose plan A or B according to your need.

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Disclaimers⁺
*Savings of 42% are based on the comparison between the highest and lowest premiums for a Rs 50 lakh sum insured under Inland Transit Clause B or Institute Cargo Clause B for single transit cover of auto spare parts with shipment type of Inland(Domestic) and road as mode of transport. Premium varies on the basis of Occupancy, Business Activity & Coverage Type
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