Marine Insurance
Goods you bring in from abroad through sea are covered, from dispatch at the country of origin to your doorstep. When your package arrives at the port, it’s still covered to the point of specification, transported through air, road or rail.
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Some Value-adds for You
- Your cargo is covered from the moment of dispatch to your point of collection.
- Cover is on all points of transit, from marine to road, air and rail.
What is Covered
The Types Of Marine Policies Available
Exclusions
The Types Of Marine Policies Available
- Marine Open Cover Insurance – Cargo type is only declared on first cover. The policy remains open for subsequent shipments until the cover limit is exhausted.
- Marine Time on Risk Insurance – this covers your goods on short period basis, for the time specified for cargo to reach its destination.
- Marine Voyage Cover Insurance – Good are covered dependent on their value and risk, irrespective of time taken in transit.
- Marine Mixed Cover Insurance – It combines the Open Cover and Time on Risk Insurance. It specifies the voyage and period of time. There can be more than one insurable interest on one particular property at risk in different persons at the same time.
The following factors are considered:
- The name of the proposer and their occupation.
- Type and nature of the cargo.
- Mode of packaging.
- Voyage including transshipment (change of mode of transportation).
- Mode of transportation e.g., air, sea or road.
- Date of sail and estimated dates of arrival.
- Claims experience.
Exclusions
The following are not covered in your insurance plan:
- Loss attributed to willful misconduct of the assured.
- Ordinary leakage or loss in weight from wear and tear.
- Loss arising from insufficient packing.
- Loss caused by inherent vice of nature of goods.
- Loss caused by delay.
- Loss arising from financial default of the owners, managers, chatterers or operators of the vessel.
- Damages or liabilities arising from nuclear events or nuclear-related risks.
- Loss caused by the vessel’s lack of seaworthiness, known to the insured or their employees.
What Customers are Saying
About this Cover
Hope MwanakeThank you for making my son's treatment smooth. Admission approval took less than 20 minutes, our discharge has been very smooth. A little birdie told me that approvals can take ages and I was a worried mum at that time so kudos. I am glad to be with you.
Marlyn N.I needed help from AAR Insurance and all I can say about them is that they are easily accessible (I don't need a card), quick to respond and it’s simple to apply for cover on their online platforms.
Davis T.I have been a customer since AAR first launched. Circumstances have necessitated me to submit claims. I have noticed a change in your Customer Relations from my first claim to the last. I consider AAR has reached a level of professional excellence and I am proud when I tell acquaintances who I am insured by. Very satisfied client. Well done.
Lydia MwangiStaff are kind and understanding. Their service is wonderful and satisfactory. They befriend clients to understand their needs. Thanks AAR.
Jane MuriithiResponsiveness exceeded my expectations. Well done. Keep it up. I promptly renewed my membership which was due on August 20th.
Jonathan MauraI have being taking care of my team's well-being seamlessly. Impressed by coverage and efficient support. Highly satisfied with this investment.
Bibian NkathaIn fact, I never expected any insurance to take care of my bills like AAR did. You are the best I can say, and congratulations as well to my agent Mr. Philip. For sure he did his best.
Smart Tools for You
AAR Insurance Sales Center
Thika Branch
Maisha Height 1st Floor,
Kenyatta Rd, Thika.
t : +254 67 22269
M : +254 731 191074
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