Deck Cargo Cover

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Extended Covers

Deck Cargo Cover


The West of England helps meet Members’ operational requirements by offering
additional insurance products which complement normal P&I cover. Deck Cargo
Cover protects a Member from liabilities to cargo owners where cargo is carried
on deck against an under-deck bill of lading or is unsuitable for deck carriage.

The Problem Limits


Carriage of cargo on deck against an from liability and or whether they may Various limits are available
under-deck bill of lading without a have exposed themselves to liabilities by negotiation
suitable liberty clause or without the that fall outside their normal P&I cover.
stowage being agreed by the shipper
The carriage on deck of cargo not Conditions of cover
and noted on the bill of lading would
suitable for deck carriage i.e. exposure
be considered as unauthorised Cover is for a specified limit
to the elements and sea, could also
deck stowage. This would result Excludes rusting, oxidisation,
prejudice Club cover.
in the carrier being liable for loss
denting, scratching, electrical and
or damage without the benefit
The Solution mechanical derangement caused
of any of the excepted perils and
by being on deck
limits in the Hague or Hague-Visby The West of England’s Deck Cargo
Rules. Carriage on deck in those Cover ensures that Members are High value cargo may require survey
circumstances would fall outside covered for liabilities, costs and
normal P&I cover. Cover is subject to the Club’s Class
expenses in respect of the Carrier’s
1 Rules and excludes liabilities that
A statement on the bill of lading that liability arising out of carriage of cargo
are recoverable under the Member’s
the cargo is carried on deck needs to on deck which would otherwise have
normal P&I cover.
be of sufficient clarity that a holder been excluded under normal P&I
of the bill of lading knows that the cover Fully flexible and able to be
cargo is carried on deck and either tailored to meet a Member’s precise
that the carrier is exempt from any requirements, it is backed by the West
liability for loss or damage or clearly of England’s outstanding service.
states that the Hague or Hague Visby
Rules will apply to the carriage. But
different jurisdictions have their own
interpretation of the effectiveness What can be covered?
of deck cargo clauses. Carriers are
therefore faced with a dilemma in not Carriage on deck of cargo not Inadequate clausing of bill of lading
knowing whether their clause will be suitable for deck carriage to refleck deck-carriage
either sufficient to fully protect them Cargo carried on deck against an
under deck bill of lading
EC-DCC-GBR-19-V1

Further details of this and other products are available from your local underwriting team,
details of which can be found on our website: www.westpandi.com

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