CMR Carrier's Liability Insurance

• Transport performed on own account, without a valid transport contract, using undeclared vehicles/trailers or vehicles not directly operated by the insured.
• Excluded goods: money, securities, precious metals and stones, jewellery, art/collections, live animals or plants, funeral transport, relocation effects and own goods.
• Damage resulting from improper packaging, handling/loading/stowage/unloading by the consignor, consignee or the insured, inherent vice or the nature of the goods.
• Theft, temperature-control equipment damage or container-related losses are not covered without the applicable additional clause.
• War, terrorism, strikes, confiscation, sanctions, radiation, pollution, fines/penalties, insolvency, fraud or intentional acts.

• Cover is valid only for the vehicles and goods mentioned in the policy/schedule and for transports falling under the CMR regime.
• The deductible is applied to each compensation payment; for additional clauses, their own deductibles and sub-limits apply.
• If the liability limit is lower than the value of the goods, compensation is reduced proportionally.

• For international transports performed with the vehicles stated in the policy, on the agreed territory: Europe and the European part of the CIS, excluding military conflict zones.
• Cover for domestic transport within the Republic of Moldova applies only if expressly agreed in the policy/contract.

• In case of loss, notify the competent authorities within 24 hours and the insurer in writing within 2 working days; take salvaging/loss-limitation measures; submit the requested documents; do not admit liability or make payments without the insurer’s consent.

• The premium is paid in advance, in full or by instalments, in the amount and on the dates stated in the policy.
• Failure to pay an instalment on time triggers a 15-day grace period, after which the protection may be suspended or the contract terminated according to the contract.

• Cover starts on the date stated in the policy, but not earlier than 24:00 on the day the contract is signed and the premium or first instalment is paid.
• Cover ends at 24:00 on the last day of the insured period, by exhaustion of the liability limit or in the cases of suspension/termination provided by the contract.

The contract may be terminated or ends by expiry of the period, non-payment of the premium/installment, exhaustion of the liability limit, agreement of the parties, unilateral withdrawal, bankruptcy, withdrawal/suspension of the necessary authorisations or declaration of false/incomplete data. Termination must be notified in writing according to the contractual deadlines, and the refund of the premium for the unused period is made only under the conditions provided by the contract.