Limited Liability & Catastrophic Loss
Even when carrier negligence is proven, payouts are capped well below the value of most vehicles. If a vessel catches fire, runs aground, or sinks, uninsured vehicles become a total loss with no recovery.
Marine Cargo Insurance
The safety net your carrier doesn't provide
Separate marine cargo insurance is the only way to protect your vehicle against storms, handling damage, theft, and catastrophic loss at sea.
Risk Overview
The reality of ocean shipping
Ocean transport exposes vehicles to multiple handoffs, open-air storage, and unpredictable conditions.
Acts of God & Weather Perils
Storms, heavy seas, and other perils of the sea are typically excluded from carrier responsibility. Violent rolling can shift vehicles, causing suspension damage, dents, scratches, or saltwater exposure during transit.
Handling Damage & Theft
Most claims happen during loading or unloading when vehicles are driven up ramps or lifted by cranes. Ports are also targets for theft of parts, accessories, or the entire vehicle while it waits in holding yards.
General Average Charges
If the vessel is in danger and rescue costs are incurred, all cargo owners must share the expense proportionally — even if the vehicle is completely undamaged. Without insurance, your cargo may not be released until you pay.
FAQ
Common questions about ocean shipping insurance
Doesn't the shipping line cover damages automatically?
No. Ocean carriers have limited liability under maritime law, and even with proven negligence payouts are capped well below the value of most vehicles.
What happens if the ship sinks or catches fire?
Without comprehensive protection, the vehicle is a total loss. Carriers often classify these events as force majeure and deny responsibility.
What is general average and why should I care?
If the vessel is in danger and rescue costs are incurred, all cargo owners must share the expense proportionally before release of cargo.
My car is older or lower value. Is it worth it?
Yes. Premiums are a small percentage of vehicle value, while repair costs and general average obligations can still be significant.
Do you cover dents and scratches?
Professional marine insurance covers the common damage caused by loading, unloading, and port handling that carrier liability often excludes.
Does insurance cover theft?
Yes. Marine insurance can cover non-delivery and theft, including stolen parts, accessories, or the entire vehicle.
Protect your vehicle before it ships
Our team will walk you through coverage options, pricing, and documentation to ensure your vehicle is protected throughout its ocean journey.