Motor truck cargo

In practiceFreight you are hauling is damaged in a rollover or crash, and cargo coverage pays for the goods, not the truck.

Not coveredCargo classes the policy excludes, or loads over the stated limit, may not be paid.

In practiceA load is stolen from the trailer or damaged by fire in transit, and theft and fire coverage responds.

In practiceGoods are damaged while being loaded or unloaded, and that part of the trip is covered too.

In practiceA reefer unit fails and a temperature-sensitive load spoils, and optional refrigeration-breakdown coverage responds.

Not coveredWithout the reefer add-on, spoilage from a breakdown may not be covered.