CMR Insurance for International Road Carriers

• CMR insurance covers your liability, as a road carrier, for the total or partial loss of, or damage to, goods carried in the vehicles declared in the policy, on international transports where the place of receipt and the place of delivery of the goods are in different countries, at least one of which is a party to the CMR Convention.

• Financial losses from exceeding the transport duration are also covered, within the limits of the contract and the CMR Convention, plus reasonable expenses for saving or limiting the damage, destruction of the damaged goods, and legal costs, within the established sub-limits. For an additional premium and with an express statement in the policy, you can add the "Theft", "Refrigeration" and "Container" clauses.

• The covered territory is Europe and the European part of the CIS, excluding areas of military conflict. For transports from, to or through countries outside the European Union, coverage is valid only if the vehicle has a customs seal, according to the contract.

• Transports carried out in your own name without a valid transport contract, with undeclared vehicles or vehicles not under your direct operation, are not covered. Excluded goods include cash, securities, precious metals and stones, jewellery, works of art, live animals or plants, and your own property.

• Damage from improper packaging or from handling, loading or stacking done by the shipper, consignee or you, an inherent defect of the goods, and theft or damage from temperature installations or containers without the corresponding additional clause, are not compensated. War, terrorism, strikes, confiscations and intentional acts are also excluded. The full list is in the insurance terms.

• Coverage is valid only for the vehicles and goods mentioned in the policy/specification and for carriage falling within the scope of the CMR.
• The compensation cannot exceed the limit per vehicle/event/period, the actual value of the goods and the limits of the CMR Convention, including 8.33 SDR/kg unless otherwise agreed.
• The deductible is deducted from each compensation payment; for additional clauses, their own deductibles and sub-limits apply.
• Where the limit is lower than the value of the goods, the compensation is reduced proportionally.
• Theft requires guarding/securing, anti-theft devices and notifying the police; Refrigeration requires a working thermograph and compliance with the temperature; Container requires the container to be identified in the CMR.

• For international carriage performed with the vehicles indicated in the policy, on the agreed territory: Europe and the European part of the CIS, except for military conflict zones.
• For carriage from/to/through countries outside the European Union, coverage is valid only if the vehicle has the customs seal, according to the contract.
• Coverage for domestic carriage on the territory of the Republic of Moldova applies only if expressly agreed in the policy/contract.

• To correctly complete the application-questionnaire and the specification: the company’s details, the vehicles, the trailers, the goods, the routes, the limits, the claims history and the clauses requested.
• To inform the Insurer of any change in the risk or in the declared data as soon as possible, but no later than 2 working days.
• To use authorised, approved and maintained vehicles and qualified, fit drivers, and to comply with the CMR regulations and those on road transport.
• Not to exceed the loading capacity, to use a vehicle suited to the type of goods and to enter in the CMR any remarks on the packages, the packaging or the apparent condition of the goods.
• Notify the competent authorities, where applicable, preserve the state of affairs, limit the damage, send the documents/evidence and allow the Insurer’s investigations.
• In the event of a claim: notify the competent authorities within max. 24 hours and the Insurer in writing within max. 2 working days; take measures to save the goods/limit the damage; submit the requested documents; do not admit liability and do not pay without the Insurer’s consent.

The premium depends on the type and number of vehicles, the routes and groups of goods transported, the chosen liability limits, the claims history and the additional clauses requested (Theft, Refrigeration, Container). For an exact calculation, request a quote online — General Asigurări specialists will follow up with a proposal for your fleet.

• Coverage starts on the date indicated in the policy, but no earlier than 24:00 on the day the contract was signed and the premium or the first instalment was paid.
• Liability starts when the loaded vehicle is ready for carriage and ends when the goods are handed over at the destination, but no later than 30 days from the vehicle’s arrival.
• Coverage ends at 24:00 on the last day of the insured period, through exhaustion of the liability limit or in the cases of suspension/termination provided for in the contract.
• Additional clauses/covers take effect only after payment of the related premium and issue of the supplement, where applicable.

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