It is a common misconception that logistics providers automatically cover the full commercial value of goods if they are lost or damaged in transit. By default, PrimeRoute, like all international carriers, operates under standard carrier liability established by international treaties (e.g., the Warsaw Convention, Montreal Convention, CMR, or Hague-Visby Rules).

Under these conventions, standard liability is calculated based strictly on the weight of the cargo, not its commercial value. This means that if you ship a lightweight but highly valuable item (such as microchips or jewelry) without purchasing additional insurance, compensation for loss or damage will be a small fraction of the item's actual worth.

To protect your financial interests against unforeseen events during transit, PrimeRoute strongly recommends purchasing comprehensive "All-Risk" Cargo Insurance.

• Coverage Scope: All-Risk insurance generally covers physical loss or damage to the cargo resulting from external causes during transit, including theft, accidents, dropping, water damage, and natural disasters.
• Declaring Value: To obtain insurance, the sender must declare the full, accurate commercial value of the goods at the time of booking. The insurance premium is calculated as a small percentage of this declared value.
• Exclusions: No insurance policy covers everything. Standard exclusions include damage resulting from inadequate packaging by the shipper, inherent vice (e.g., perishable goods spoiling without temperature control failure), delays in transit, cyber-attacks, or acts of war.

Cargo insurance can be requested directly through your account manager or during the online booking process by selecting "Add Cargo Insurance" and providing the required commercial invoice proving the value of the goods. Coverage must be bound before the shipment is handed over to our facilities. You cannot insure a shipment that is already in transit.

In the unfortunate event that your cargo arrives damaged, or fails to arrive, a strict procedure must be followed to successfully process an insurance claim:

1. Note the Damage Immediately: If cargo arrives visibly damaged, the receiver MUST write a detailed description of the damage on the delivery receipt/waybill before signing it. Signing a clean receipt severely undermines the success of a subsequent claim.
2. Mitigate Further Loss: Take immediate reasonable steps to prevent further damage to the goods. Do not discard the packaging materials or the damaged items, as insurance inspectors may need to survey them.
3. Notify Us Promptly: PrimeRoute must be notified in writing of intent to claim within 7 days for damaged goods, or immediately if a shipment is deemed lost.
4. Submit Documentation: A formal claim must be submitted including the commercial invoice, packing list, the annotated delivery receipt, detailed photographs of the damage and packaging, and an estimate for repair or replacement.

Once all required documentation is submitted to the underwriters, standard claims are typically processed within 30 to 60 days. Complex claims requiring a third-party surveyor may take longer. PrimeRoute acts as a facilitator between our clients and the insurance underwriters to ensure a smooth administrative process.