Cover for your vehicle and the people you share the road with
Marine Takaful protects goods and vessels against the risks of moving trade by sea, air and road. Cargo cover can be arranged for a single shipment, or through an open cover for regular imports and exports, on wide Clause A or narrower Clause C terms. Inland transit cover protects goods moving by road within the territory stated in your schedule. Vessel owners can cover hull and machinery, and shipowners and port operators can cover their liability to others.
Participants contribute to a shared fund on the basis of Tabarru', and Retakaful protects that fund against large losses. Kalkaal manages the fund as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Cargo cover for a single shipment, or an open cover for every declared shipment
- A choice of wide Clause A or narrower Clause C terms to suit the goods and the route
- Cover for goods moving by road between ports, warehouses and customers
- Hull, machinery and liability cover for vessel owners and port operators
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Marine Cargo Takaful (Clause A / C)
Covers goods in transit by sea, air or land, including single shipments. Clause A gives wide cover subject to exclusions; Clause C covers major events such as fire, sinking and collision.
Marine Open Cover Takaful
One agreement for regular importers and exporters. Each shipment you declare is covered on the agreed terms, so you do not arrange cover trip by trip.
Inland Transit and Goods in Transit Takaful
Covers goods carried by road or other inland transport within the territory stated in your schedule, including between ports, warehouses and customers.
Hull and Machinery Takaful
Covers physical loss of or damage to your vessel and its machinery. A protection and indemnity (P&I) extension is available on request.
Marine Liability Takaful
Covers your legal liability to third parties arising from marine operations, including the liability of port operators for goods and vessels in their care.
What’s covered
- Loss of or damage to cargo in transit by sea, air or land, on Clause A or Clause C terms
- Fire, explosion, stranding, sinking, collision and jettison
- General average contributions and salvage charges
- Goods moving by road within the territory stated in your schedule
- Damage to your vessel's hull and machinery from marine perils
- Your legal liability to third parties arising from vessel or port operations
- Protection and indemnity (P&I) for vessel owners, on request
Not covered and conditions
- Insufficient or unsuitable packing
- Ordinary leakage, ordinary loss in weight or volume, and ordinary wear and tear
- Loss caused by the natural behaviour of the goods themselves (inherent vice)
- Loss caused by delay, even when the delay results from a covered event
- Wilful misconduct, and unseaworthiness of a vessel that you knew about
- War and strikes risks, unless your schedule includes them
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Keep the damaged goods and their packing for inspection. Do not dispose of them.
- Note any damage or shortage on the delivery receipt before you sign it, and ask for a joint survey.
- Write to the carrier, port or warehouse holding them responsible, within the time their contract allows.
- Take reasonable steps to prevent further loss.
- Notify Kalkaal within the period stated in your schedule.
Documents you will usually need
- Completed claim form
- Commercial invoice and packing list
- Original bill of lading or air waybill
- Survey report, where a surveyor is appointed
- Delivery receipt or outturn report noting the damage or shortage
- Your letter holding the carrier, port or warehouse responsible
- Photographs of the damaged goods and their packing
What you’ll need for a quote
- Commercial invoice for the goods
- Packing list
- Bill of lading or air waybill, once issued
- A description of the goods, how they are packed, the route and the carrying vessel
- Your expected yearly shipments, for an open cover
- Vessel registration, class certificate and the vessel's loss history, for hull cover
- Details of your port operations and the services you provide, for liability cover
FAQs
What is the difference between Clause A and Clause C cargo cover?
Clause A gives the widest cargo cover: it covers loss of or damage to the goods from any cause, except those the policy wording excludes. Clause C is narrower and covers major events only, such as fire, explosion, sinking, stranding, collision and jettison. The right choice depends on the goods, how they are packed and the route they travel.
Should I choose single transit cover or an open cover?
Single transit cover suits occasional shipments: you arrange cover for each consignment. An open cover suits regular importers and exporters: one agreement sets the terms, and each shipment you declare is covered without arranging cover trip by trip. Under an open cover you must declare every shipment that falls within it, as your schedule requires.
Are fishing vessels covered under Marine Takaful?
Fishing vessels belong on this Marine page, where they can be covered under Hull and Machinery Takaful. They are not covered under Agriculture and Fisheries Takaful, which is for fish farms, ponds and cages. Tell a Kalkaal advisor about your vessel, where it operates and its condition, so the right cover can be discussed.
You may also need
Medical cover for your family and your workforce
Protection for your home, your premises and what is inside
Request a call back
Prefer to talk it through?
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