FAQ

Dump truck - a heavy truck for transportation of construction debris and other bulk cargo (sand, gravel, coal, etc.). This vehicle is equipped with pneumatic trailer lifts for unloading.

Platform - a trailer that has neither a side nor a roof, which is intended for fast and convenient loading of cargo, is used to transport heavy cargo.

Pallet-cargo transportation assistant, which allows us to transport cargo easier, faster and in larger quantities, if the number is large and the packaging is small. There are 4 types of pallets that differ in their size.

There are 4 types of EUR pallets:

1. 800x600 mm;
2. 800x1200 mm;
3. 1000x1200 mm;
4. 1200x1000 mm.

FIN palette: there is only one type-1200x1000 mm
Industrial pallet: there is only one type-1200x1200 mm
Non-standard pallet: pallet sizes may vary;

Wood - Boards, logs, beams and other articles of wood;

Liquid cargo - Any type of liquid that needs to be transported in a tank / barrel

Pallet trucks - a type of transport that is equipped with a mechanism for lifting, putting for storage, transportation and stacking of cargo, as well as loading the cargo in a vehicle;

Sliding floor - a system specially designed for the operation of closed trailers and semi-trailers, which helps to unload bulk cargo effortlessly (the machine is able to unload itself).

Refrigerator - a vehicle for transporting perishable goods that requires a certain temperature regime, such as flowers, ice cream, fish and other products, the installed temperature range is from -35◦C to + 25◦C.

Isotherm - a vehicle for transportation of perishable goods, which requires a certain temperature regime and is able to maintain the temperature from -25◦C to + 25◦C.

CEMT - European Conference of Ministers of Transport: A multilateral authorization issued to a carrier allowing him to move / transport goods freely between countries which are members of this conference.

FVS - Food and Veterinary Service permit.

Oversized cargo - cargo, the parameters of which exceed the permissible dimensions of standard transportation.

A measure by which the owner of a cargo protects its cargo from damage during loading, unloading and transportation.

The Policyholder may be a legal or natural person who is the owner of the cargo, the consignor or consignee, or their authorized persons.

Usually there are two types of insurance used for transport insurance:

• CASCO (voluntary vehicle insurance)

• Compensates for damage caused by a traffic accident, theft or burglary, impact of fire or natural disasters, etc.
• Insurance company also indemnifies the loss also in cases when the driver was to blame for the damage.
• Insurance is mandatory if purchase of the vehicle is financed by the leasing company or the vehicle is mortgaged.

• MTPL (compulsory motor third party liability insurance)

• Protects liability of the owner of the vehicle in cases when during traffic accident a loss to another vehicle or property has occured.
• Even in cases when you have caused an accident, insurance company will indemnify you.

An agreement between the insurance company / broker (hereinafter - the Insurer) and the Policyholder, according to which Policyholder undertakes to pay the insurance premium in accordance with the defined in the contract terms and amount, as well as to fulfill contractual obligations, and the Insurer undertakes to pay insurance indemnity, in case of insured accident, to a person mentioned in the insurance contract.

A document confirming conclusion of the insurance contract and which contains provisions of the insurance contract, as well as amendments and supplements to this contract, which have been agreed upon in writing by the Insurer and the Policyholder during the term of the insurance contract.

To protect oneself and protect others from loss, as the cargo may be damaged / lost during transportation, loading or unloading and therefore insurance allows us to recover some (or all) amount of the damaged cargo.

Cargo insurance can be taken by:

• Owner - from loading to unloading responsibility for the cargo lies with the owner of the cargo;
• customer - from loading to unloading responsibility for the cargo lies with the customer;
• shared insurance - when from the point of loading to a certain place or transhipment point insures the owner, but after transhipment point the customer assumes responsibility for the cargo.

There are different insurance companies / brokers: some deal only with cargo or only transport insurance and there are also those who deal with both transport and cargo insurance.

Each company offers its own range of insurance: one cheaper in terms of price, the other in terms of quantity, as well as insurance conditions that can be changed and adjusted to your needs, so you need to evaluate the offers of all companies and choose the best one for yourself.

An event provided for in the insurance policy, independent of the will of the Insured, the occurrence of which is possible in the future. The insurance contract can be concluded by choosing one of the mentioned insurance options, which is provided for in the policy.

These rules provide for three insurance options - A, B and C:

• Option (A) - “Liability for All Risks” - losses for destruction or damage to all or part of the cargo resulting from any cause, except in cases, which are listed as "Exceptions" in the concluded contract.

• Option (B) - "Limited liability for an individual accident" provides for the payment of insurance indemnities in the event of insurance caused by:

• fire or explosion;
• overturning or derailment of a land vehicle;
• running aground, washing ashore, dumping or sinking of a vessel;
• collision of the vehicle with any other moving or immovable object, except water;
• missing of a vehicle;
• lightning strike;
• the ingress of sea, lake or river water into a cargo transport room, container or cargo storage location;
• flushing of cargo from the ship's deck or, in the event of an accident, throwing it overboard,
  and as a result of which the cargo is damaged or has become damaged, except for the cases specified in the concluded contract as “Exceptions”.

• Option (C) - “Liability only for the loss of cargo (or part thereof)” provides for the payment of insurance indemnities in the event of

• fire or explosion;
• running aground, washing ashore, dumping or sinking of a vessel;
• overturning or derailment of a land vehicle;
  collision of the vehicle with any other moving or immovable object, except water;
• lightning strike;
• complete destruction of any part of the load resulting from a fall during loading or unloading,
  and as a result of which the cargo is damaged or has become damaged, except for the cases specified in the concluded contract as “Exceptions”.

These terms and conditions provide for insurance coverage for losses in the amount of 5% (five percent) of the amount insured, unless otherwise provided in the insurance contract.

Damage caused:

• "When the vehicle is participating in road traffic, if there has been:
• a collision with a vehicle;
• collision with an obstacle;
• overturning, falling of a moving vehicle (from a bridge, etc.);
• sinking and / or icing, if it is directly related to the RTA;
• ascent to a pedestrian or animal."

• Fire;
• Explosion;
• Impact of natural disasters, which include only the following risks: storm (wind speed above 17.2 m / sec), floods, lightning, hail, earthquakes, avalanches, landslides (large landslides down the mountain);

• Under the impact of falling objects;
• As a result of actions of a third party.

The Insurer shall not cover losses incurred as a result of damage to or loss of cargo and caused by:

• natural leakage, loss of weight or volume of the insured object;
• loss of weight of the cargo, if outer packaging of the cargo and seals are intact and without visible damage.
• strikers or other persons involved in work or other disorders, riots or civil unrest;
• strikes, work disruptions, riots or civil unrest;
• activities of terrorists or any politically motivated person;
• wars, civil wars, revolutions, riots, insurrections and mass riots caused by the above circumstances, or any hostile act to or on behalf of a belligerent State;
• seizure, arrest, confiscation, imprisonment, detention by force and the consequences of such acts;
• abandoned mines, torpedoes, bombs or other abandoned weapons of war.
• unsuitability of the vehicle, its trailers, container or lift for safe transportation (movement) of the cargo, if the Policyholder, its employees or representatives were aware of such unsuitability at the time of loading the cargo.
• non-compliance with the requirements for the operation of land, air or water vehicles and their non-compliance with the requirements of international and regulatory enactments of the Republic of Poland when performing cargo movement.

A percentage of the amount of the insurance indemnity or a certain monetary part defined by the insurance company, which is deducted from the insurance indemnity in cases specified in the policy and is not reimbursed by the insurer.

• The amount insured is considered to be a documented value of cargo at the time of conclusion of the insurance contract;
• In addition, the amount insured may include freight (transportation and other expenses related to the delivery of cargo), indicating this in the special provisions of the insurance contract;
• the total amount of additional expenses may not exceed 10% (ten percent) of the documented value of cargo, unless otherwise specified in the insurance contract.

The most important thing is that the cargo / transport has a valid insurance contract at the time of the accident.

In order to receive insurance indemnity, the damaged cargo / transport and transport / cargo to which / or with which the cargo / transport was damaged must be photographed.

Damage to transport / cargo must be reported to your insurer immediately and and submit a written notice of the damage caused / acquired within 48 hours at the latest. With the insurance policy and photos, you have to go to your insurance agent / broker where you must fill out an application. After submission of application, inspection of the damaged vehicle / cargo must take place within 3 working days.

After reviewing the insurance indemnity application, insurance company will pay only the amount of the insurance indemnity specified in the insurance contract / policy.

In order to receive insurance indemnity, the following must be submitted:

• application for an insured event; documents confirming performance of the insurance: contract of carriage, bill of lading, freight documents, copies of payment orders and other ...;
• documents confirming the insured event: certificate of the competent institution, opinion or report, sea protest, expert's report, extract from the vessel logbook, etc .;
• calculation of loss and documents confirming the amount of actual loss;
• original of insurance policy;
• other necessary documents at the request of the Insurer.

In case of theft (except burglary) and destruction:

• Insurance indemnity is determined by deducting from the insured sum depreciation of the vehicle in the amount of 1% (one percent) for each full month, as well as the amount of own risk provided for in the policy;
• If calculated insurance indemnity is higher than the actual value of the vehicle on the day of the insured event, the insurer is entitled to replace the stolen, burglarized or damaged vehicle with a vehicle of the same make, model, year of manufacture and equipment compensation or to compensate damage in monetary terms, calculating the insurance indemnity, deducting from the actual value of the vehicle on the day when the insured event occurred, the amount of own risk included in the policy.
• If the insurer replaces the vehicle with an equivalent one, the owner of the vehicle pays such amount which corresponds to the corresponding amount of own risk in the insurance policy. If owner of the vehicle does not want to pay this amount, a vehicle cheaper than the amount of own risk is purchased.
• The insurer shall cover such costs of repairs, that as a result of such repair the vehicle is restored to a condition equivalent to the condition in which the vehicle was before occurrence of the respective insured event.

• If there is a full distruction of the cargo, then the cargo insurance provides coverage up to the full value of cargo together with transport and insurance expenses;
• If the cargo is damaged but full destruction has not occurred, the damage is calculated and reimbursed in such a way as to prevent the damage, taking into account own risk.

Isothermal semi-trailers are made of special panels that prevent exchange of heat between semi-trailer and the environment, which allows to maintain same temperature for a certain period of time.

Refrigerator trailers are also made of special panels, but they also have a built-in cooling system that makes the refrigerator completely independent of the temperature of the environment.