Marine insurance
Marine insurance covers imported and exported goods by sea, air and land against loss or damage in transit, and also covers vessel hulls and goods moved by road inside Qatar. It suits importers, exporters, trading and transport companies and vessel owners in Qatar, and banks and financial institutions involved in import and export. At Al Bayan we request offers from several insurers licensed by Qatar Central Bank, explain the cover terms, arrange a single-shipment policy or an annual open cover, and follow up claims with the insurer.
In QatarImporting through Hamad Port on FOB or CFR terms? The seller has no duty to insure the goods for you, so arrange cover before loading.
- Offers from several licensed insurers, clearly explained
- Annual open cover for regular importers
- Warehouse-to-warehouse cover (terms dependent)
- We follow the claim with the insurer and surveyor
Cover at a glance
- Loss of or damage to cargo by sea, air and land
- Institute Cargo Clauses A, B or C, as you choose
- Your share of general average and salvage costs
- Goods in transit by road inside Qatar (policy dependent)
- Vessel hull and machinery (policy dependent)
- War and strikes risks (optional)
Cover
What is covered
- Loss of or damage to cargo by sea, air and land
- Institute Cargo Clauses A, B or C, as you choose
- Your share of general average and salvage costs
- Goods in transit by road inside Qatar (policy dependent)
- Vessel hull and machinery (policy dependent)
- War and strikes risks (optional)
What is not covered
- Insufficient or unsuitable packing
- Delay and loss of market
- Inherent vice or nature of the goods
- Ordinary leakage and normal loss of weight
- Wilful misconduct of the insured
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Lost or damaged cargo
- Policy number or a copy of the policy
- Bill of lading or air waybill
- Commercial invoice and packing list
- Survey report
- Claim letter sent to the carrier
- Clear photos of the damage
Damage in transit inside Qatar
- Policy number or a copy of the policy
- Delivery note or road consignment note
- Road accident report from Metrash2, if the truck had an accident
- Clear photos of the damage
- Invoices or repair estimates
Vessel hull damage
- Policy number or a copy of the policy
- Marine incident report
- Vessel registration certificate
- Clear photos of the damage
- Invoices or repair estimates
Need to make a claim?
Frequently asked questions
What is the difference between Clause A and Clause C?
Clause A is the widest and covers all risks except exclusions, while Clause C covers named perils such as fire and the vessel sinking or stranding. We explain which suits your goods.
Single-shipment policy or open cover?
A single-shipment policy covers one named shipment. An open cover protects all your shipments during the year within agreed limits, and you declare each shipment as it goes.
I bought on CIF terms. Do I need extra cover?
Under CIF the seller must insure, but only at the minimum level of Clause C unless agreed otherwise. If you want wider cover, we explain the options.
What if my goods arrive damaged?
Do not sign a clean receipt. Note the damage in writing with the carrier, photograph the goods and keep them as they are. Tell us straight away so we can arrange a survey with the insurer.