survey expenses for marine insurance claimed must be?
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Answer:
a policyholder, it becomes necessary for you to inform the marine insurance company as soon as possible after the loss. In case you are not able to inform the insurer, you can ask your agent to do the same on your behalf. In case you have bought the policy form the broker, they can inform the insurer on your behalf, provided you informed them about the loss.
Even if you have a specific transit insurance, the procedure will remain the same.
The insurer will then check to ensure that proper care was taken while transporting goods. In the case of any discrepancies found in transporting goods, the marine insurance company has all rights to reject the claim. Further, it is imperative to carefully fill the claim form with the facts as accurately as possible. A simultaneous claim is required to make with the shipping company to notify them of the loss/damage. It means you need to obtain a formal acknowledgement from both the marine insurance company and the shipping company.
Further, in case of theft and non-delivery of items, a FIR is required to be filed along with submitting the above listed documents.
Usually, there is a time window of one year for lodging a marine insurance claim from the date of loss. Though, it can vary as per the time.
Once the claim is received by the insurer, a surveyor is appointed who will visit the site at which the cargo was lost or damaged and submit its report to the insurance company.
While filling your marine insurance claim, make sure to submit an invoice along with a packing list with a marine insurance certificate in case your goods become eligible for import cargo. Further, you will also need to submit a copy of your monthly declaration transit along with a carrier’s consignment note.
In a situation where goods are completely damaged, partially missing or completely vanished, you would require submitting a damage, shortage or non-delivery certificate respectively. Along with this, you would require sending a copy of discharge voucher along with a letter of subrogation.