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High-Value Cargo Insurance
Specialty & International

High-Value Cargo Insurance

Specialist cover for valuable consignments (jewellery, precious metals, fine art, electronics, pharmaceuticals and luxury goods) moving by air, land or sea.

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  • Agreed-value cover for consignments above standard cargo limits
  • Theft, hijacking and mysterious disappearance in transit
  • Security requirements agreed with the insurer up front (armoured transport, escorts, vaults)
  • Cover during transit storage, customs and airport or port warehouses
  • Door-to-door cover across air, road, sea and multimodal journeys

Every policy has exclusions. These are the ones clients ask about most for this type of cover. Exact terms always depend on the insurer and your specific policy wording.

  • Losses where the agreed security conditions were not followed
  • Packing or concealment that isn't adequate for the goods' value
  • Delay or loss of market, unless specifically agreed

Who This Is For

Shippers of high-value cargo: jewellers, galleries and art dealers, electronics and pharmaceutical distributors, luxury brands and their logistics partners, whose consignments exceed what a standard cargo policy will carry.

Good to Know

Standard cargo policies often cap any single shipment or exclude theft of 'attractive' goods. High-value cargo is placed with specialist underwriters who set security conditions before shipping, so you know exactly what's needed for a claim to be paid.

A Quick Example

A jeweller shipping stones between trade fairs found their standard cargo cover capped any single shipment at a fraction of its value. We placed agreed-value high-value cargo cover with a specialist underwriter, with courier and vault conditions agreed in advance.

Why Place This Through Transeuropa

What you gain by arranging this cover through a broker instead of buying it direct.

Several Quotes, One Conversation

We approach the insurers on our panel that write this class of cover and bring their terms back side by side.

Wording Checked Before You Sign

We read the limits, excesses and exclusions for you, so nothing in the small print catches you out later.

An Advocate at Claims Time

If you need to claim, we deal with the insurer on your behalf and push for a fair, prompt settlement.

How to Get This Cover

Four steps from your first question to confirmed cover.

1

Share the Details

Answer a few questions online or by phone so we understand exactly what needs protecting.

2

We Approach the Market

Your broker goes to the insurers best suited to this type of risk and negotiates the terms.

3

Compare and Decide

You receive a clear summary of price, cover and exclusions for each option, with our recommendation.

4

Confirmed in Writing

Once you accept, we arrange the policy and send your schedule and documents the same day.

Documents You'll Need

Details of the property, cargo, or programme being covered, the territories or counterparties involved, and any existing valuations or schedules.

Renewals & Mid-Term Changes

We re-shop the market ahead of every renewal rather than letting this policy auto-renew at whatever price the insurer sets, and update your cover if your circumstances change mid-term.

Cover FAQs

Quick answers about placing this cover with us. For broker-wide questions, see our main FAQ.

No. Asking about this cover starts a conversation with a broker. Nothing is bound and no payment is taken until you've reviewed real options and told us to go ahead.

For most personal policies, cover can start the day you accept the quote. Business cover and trade finance instruments usually take a few working days while the insurer or bank completes its checks.

Tell us and we'll point you to a better-suited policy from across our panel, or build something bespoke if your risk doesn't fit a standard product.

Ready to Compare Cover?

Tell us what you need and we'll come back with real options from our panel, with no obligation to switch.