Union Insurance

Marine Insurance

Of all the modes of transport - road, rail, air, and water - it is water that causes the most worry. Oceans are vast, and also unpredictable. Marine insurance is important because it protects you from (financially) sinking. The Union Insurance Marine insurance provides comprehensive coverage for ships, boats, and the cargo they carry, to keep you sailing smoothly when the voyage is rough.

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Hull and Cargo Liability

The Union Insurance Marine Hull and Cargo Liability insurance provides broad yet in-depth coverage to financially secure you from physical damage to your vessel, as well as the cargo it carries while extending to risks involving employees and third party passengers. Backed by highly skilled marine claims specialists and risk consultants with years of experience, you can be assured of solutions that will help you weather any sort of storm.

  • Charterer’s Liability

    This is designed to cover the liabilities of cost, custody, and control (CCC) assumed by the party chartering a vessel, while the operation of that vessel remains under its owner’s control.

  • Ship Repairer’s Liability

    This provides insurance against any legal liabilities a ship repairer faces for damage to vessels under their care, custody, and control.

  • Terminal Operator’s Liability

    This policy indemnifies policyholders against any liability for damages to third party property, bodily injury, and defence costs resulting from an insured operation within the port.

  • Stevedore’s Liability

    This protects stevedores from any legal liabilities that may arise from damage to vessels and cargo, that are under their care, custody, and control for the purpose of loading and discharging that vessel.

  • Marine Operator’s Liability

    This policy insures marine operators against any legal liabilities that may occur due to unfortunate events connected to visitors or parties who are at the marina, or on the vessel, under their care, custody, and control.

  • Hauliers Liability Insurance

    This provides policyholders with coverage against cargo liabilities, third party liabilities, damages or losses caused by errors and omissions, and legal costs. We also offer a package cover for damages (including third party liability) caused by hauliers’ operations.

  • Protection and Indemnity insurance

    Written in conjunction with our Hull and Machinery policy, this protects the owners and operators of a vessel against liabilities that arise from third-party bodily injury and property damage. You also have the option of customizing your standard coverage to include the following:

    • Cargo legal liability
    • Collision coverage
    • Liability protection against passengers’ personal effects
    • Coverage for crew expenses, including lost wages and transportation home

Our Team

A company is only as strong as its people. Our team consists of specialist underwriters who bring a wealth of expertise and specialized knowledge. They are supported by a highly efficient operations team, equipped with modern technology.

Our team is dedicated to providing tailor-made insurance and risk management services that cater to both individuals and corporates. Our priority is to deliver creative and cost-effective risk management and transfer solutions, as well as innovative products to meet the needs of individuals, corporate clients, and other stakeholders.

We have dedicated client service and claims management teams to be at your service 24/7, and ensure a smooth and transparent claims process whenever you require it.

Claims Process

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Validation & Approval

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Everything you need to know about insurance
  • What is insurance?addremove

    Insurance is a means of protection from financial loss. It is a form of risk management against unexpected events. Insurance companies collect premiums to provide this protection. Losses are covered by these premiums.

  • Why do I need insurance?addremove

    Insurance protects you financially in a number of ways. Unforeseen accidents and disasters are inevitable; without adequate insurance, they can lead to financial ruin. Insurance mitigates risks by providing a financial cushion against these disasters.

  • How will general insurance help me?addremove

    General insurance refers to any insurance that is not life insurance. It provides you with protection against sudden accidents, illnesses, property damage, and financial threats.

  • What is the term life of general insurance?addremove

    General insurance contracts usually last for a year. You will be required to renew the policy every year.

  • Why should I get insurance immediately? addremove

    It is important to identify risks and insure yourself against them at the earliest because they can materialize at any time.

  • Who can I contact if my insurance provider mistreats me?addremove

    You can contact the customer service cell of the insurance company.

    Should that fail, you can approach your local insurance authorities or the judiciary.

    You may also contact the above if you feel your provider is unfairly refusing to renew your policy.

  • What is the easiest way to get insurance? addremove

    Insurance is primarily sold through the following:

    • Agents representing an insurance company.
    • Insurance brokers (who are allowed to sell products from more than one insurance company).
    • Insurance company websites.
    • Banks, retail houses, or any commercial ventures that are approved channel partners of insurance companies.
  • Why do I need to fill up a proposal form for buying insurance? addremove

    The proposal form is an important step in the contract between insurance providers and policyholders. It also contains all the information required for preparing the policy in question.

  • What is a premium?addremove

    A premium refers to the fixed sum paid over an agreed period of time by the person insured, to their insurance provider.

  • What is a deductible?addremove

    The deductible is the amount paid out of pocket by the person insured before their insurance provider pays any expenses.

  • What is underwriting?addremove

    Underwriting refers to the process by which the insurance provider determines whether to approve the policy holder’s application, including the rate of premium.

  • What is the sum my insurance provider is required to pay me?addremove

    There is no fixed sum, it varies from product to product.

    In the case of death covers, there is no possible way to ascertain the monetary value of human life. However, the usual coverage goes up to match the estimated gross monthly salary of the deceased. In the case of travel insurance, the sum depends upon the medical price index of the country traveled to.

  • How much insurance do I need?addremove

    It is crucial to ensure that you are adequately covered by each insurance policy you buy. For asset or property insurance, the market value or reinstatement value of the asset should be taken into question before deciding on the sum insured. If the sum is not adequate, a percentage representing the uncovered portion of the asset is to be borne by the policyholder.

  • Am I eligible for discounts?addremove

    Discounts are usually available on renewed policies with good/no claim history records and low risk factors, but offers vary among individual insurance providers.

  • Can my broker collect my insurance premium and is he authorised to issue a receipt?addremove

    Your broker can deposit a cheque from you to your insurance provider, they cannot issue a receipt.

  • What is reinsurance?addremove

    Reinsurance refers to the arrangement undertaken by insurance companies to spread and mitigate risk with other underwriters or reinsurance companies.

  • How can I renew my insurance policy?addremove
    • Approach your insurance provider well in advance of the policy expiration date.
    • Clarify your intention of renewing your policy if you have not received a renewal intimation from your provider.
    • Obtain information regarding your premium and other relevant details.
    • Pay the premium, and collect the receipt and cover note.
    • Wait for your documents to arrive.
    • Ascertain no mistakes have been made on the receipt, and store it carefully.
  • What should I do if my insurance provider refuses to renew my policy? addremove
    • Seek an explanation from the company.
    • Clarify any misunderstandings.
    • Look for another company if your existing provider continues to refuse renewal.

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