Liability Cover - What's it all about?
Formally known as 'insurance cover', Liability cover is the amount of recompense available to you, should your delivery be lost or damaged. Rarely is full cover available and in most cases liability is limited through a carriers terms and conditions.
All Carriers differ on liability issues, A common policy is to cover the goods in terms of x £s per kilo of goods moved. In many instances an excess exists whereby the first £50 is not subject to cover.
Generally speaking it's a nightmare. To make matters worse -all carriers TERMS and CONDITIONS stipulate specific claim timeframes. Miss the deadline for claims and the claim will be rejected. Emphasising the need for good packaging, is the fact that should the recipient sign for the parcel on receipt 'In good condition' then again no claim would be accepted.
It's a fact that carriers have to do this, The potential cost of a £10 delivery going wrong could potentially costs thousands of pounds in claims, Not all claims are justified, There are many unscrupulous people out there looking to make any money they can from someone's misfortune. TERMS and CONDITIONS actually protect both parties - SO CHECK THEM OUT BEFORE COMMENCING.
You have sent out 3 parcels, at a weight of 35 kilos. Your carrier covers the items at £15 per kilo, with a £50 excess…
If all your goods are lost - The carrier has a liability for 35 x 15 - 50.
However were just one of the parcels lost, The carriers liability would not be for 35 kilos, only 11.66 kilos, (£175.00) and the £50 excess would apply thus leaving yourself with the potential to recover £125.00.
When completing the claim, you will be asked to provide a cost (to you) invoice. Your cover will be the lesser of the value of the goods, or the kilo value less the excess.
Most carriers will provide additional 'All risk liability cover' or additional liability cover, at a premium. WORK OUT YOUR REQUIREMENTS BEFORE YOU DESPATCH YOUR GOODS -
If at all possible its best to avoid claiming, Most carriers are slow, and would sooner not pay out a penny. It can be a long and tedious task, only to be disappointed with the amount of recompense offered. That is why it is so important to do everything within your power to provide the necessary information the carrier needs to complete delivery first time.
B4 using a carrier read carefully terms and conditions, and ensure you fully understand the liability issues it covers. You may then not be disappointed when it all goes wrong….
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