Motor Cargo Transport Insurance

Damage to goods directly resulting from:

• Collision, crash, and vehicle rollover

Collision between the transport vehicle and another vehicle or obstacle. Rollover of the transporting vehicle, understood as an accident in which the vehicle loses its normal position.

• Fire, lightning, and explosion

Fire, including damage caused immediately by heat, smoke, or steam resulting from the fire, as well as effects of measures taken to extinguish or fight it. Lightning strikes and explosions (excluding bombs or other explosive devices).

• Total loss

Total loss of any cargo during loading or unloading operations of the transportvehicle, resulting from crane, hoist, or winch cable breakage, strap failure, or proven malfunction of mechanical equipment used in the operation.

• Collapse of bridges, tunnels, or other engineering works
• Landslides
• Theft

Available only under the Plus option, for goods transported in the closed cargo compartment(s) of the vehicle(s), not visible from the outside, under the following conditions:

a) Violent action and/or threat to the physical integrity of those involved in transport, inside or outside the vehicle(s);
b) Violent action on the transporting vehicle(s).

Theft is covered between 6:00 a.m. and 9:00 p.m. Outside these hours, coverage applies only if the goods or vehicle are kept in secured, guarded, or permanently supervised locations, with mandatory reporting to the nearest authorities along with proof.

The insurance excludes all professional transport companies, freight forwarders, and official dispatchers, as well as any entity that, not being the buyer, seller, or owner of the transported goods, has no insurable interest in them.
In addition to the general exclusions for transported goods, losses or damages resulting directly or indirectly from the following are expressly excluded:

• Overloading or improper packaging of goods;
• Failure to comply with regulations governing road cargo transport;
• Non-compliance with mandatory vehicle inspections or their recommendations, as well as lack of maintenance or insufficient vehicle servicing;
• Excessive driving hours, speeding, or blood alcohol level above the legal limit.