A) Shipments by Sea or Land

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

B1) Shipments by Sea or Land of Refrigerated or Temperature Controlled Cargoes, other than
Meat
st
Institute Frozen Food Clauses A (Excluding Frozen Meat) Cls. 263 dated 1 January, 1986.
Institute War Clauses (Cargo) CL385 dated 01.01.2009.
st
Institute Strikes Clauses (Frozen Food) (Excluding Frozen Meat) Cls. 265 dated 1 January, 1986.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

B2) Shipments by Sea or Land of Refrigerated or Temperature Controlled Cargoes of Meat

st
Institute Frozen Meat Clauses A 24 Hours Breakdown Cls. 324 dated 1 January, 1986, amended to
cover Temperature Controlled Cargoes if applicable.
Duration Clause 8.1.2 to apply.
Institute War Clauses (Cargo) CL385 dated 01.01.2009
st
Institute Strikes Clauses (Frozen Meat) Cls. 326 dated 1 January, 1986.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

C) Shipments by Air

Institute Cargo Clauses (Air) (excluding sendings by Post) CL387 dated 01.01.2009.
Institute War Clauses (Air Cargo) (excluding sendings by Post) CL388 dated 01.01.2009.
Institute Strikes Clauses (Cargo) (Air Cargo) CL389 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transplaning risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

D) Machinery (other than vehicles)

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Replacement Clause CL372 dated 01.12.2008 or Secondhand Replacement Clause as attached
as applicable.
Excluding Electrical and Mechanical derangement unless caused by a peril insured against.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Excluding rusting, oxidisation & discolouration unless caused by an insured peril.
Excluding shipment by tug and barge other than during transhipment, whether customary or otherwise.
Subject also to Additional Conditions as attached.

E) Household Goods & Personal Effects

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.
Subject also to Household Goods & Personal Effects Additional Conditions as follows:

a) Average Clause

This Policy is subject to the condition of average, that is to say, if the property covered by this Insurance
shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled
to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total
value of the said property.

b) Pairs and Sets Clause

Where any insured item consists of articles in a pair or set this Policy is not to pay more than the value of
any particular part or parts which may be lost without reference to any special value which such article or
articles may have as part of such pair or set, nor more than a proportionate part of such pair or set.

c) Depreciation

Underwriters liability is restricted to the reasonable cost of repair and no claim is to attach hereto for
depreciation consequent thereon.

d) Mechanical and Electrical Derangement

Excluding loss of or damage due to mechanical, electrical or electronic derangement unless there is
evidence of external damage to the insured item or its packing.

e) Moth, Vermin, Wear & Tear

Excluding loss or damage due to moth, vermin, wear, tear and gradual deterioration.

f) Climatic Conditions Clause

Excluding loss or damage by climatic or atmospheric conditions or extremes of temperature.

g) Owner Packed Effects

Excluding breakage, scratching, denting, chipping, staining and tearing of owner packed effects, including
trunks, suitcases and the like. Also excluding claims for missing items unless a valued list of contents is
supplied by owner prior to commencement of transit.

h) Excluded Goods

Excluding loss of or damage to furs valued over USD200, or any cash, notes, stamps, deeds, tickets,
travellers cheques, jewellery, watches, or similar valuable articles other than as declared and agreed
herein.

i) Itemised Inventory

Subject to valued, itemised inventory to be lodged with Freight Forwarder prior to shipment.

j) Professional Packing

Excluding losses arising as a result of goods not having been professionally packed.

F) Steel Products

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Warranted containerised and packed in manufacturers export packing.
Excluding Rust, Oxidisation & Discolouration unless caused by a peril insured against.
Excluding shipment by tug and barge other than during transhipment, whether customary or otherwise.
Subject also to Additional Conditions as attached.

G1) Automobiles, Motorcycles & Caravans (unless containerised)

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.
Subject also to Automobile & Motorcycle Additional Conditions as follows:

a) Duration Clause

This insurance attaches from the time the vehicle is handed over to the carrier or agent at the place
named for the commencement of the transit including, where required, for a period not exceeding 15

days in compound whilst awaiting loading, continues during the ordinary course of transit and terminates
either:

i) When the vehicle is handed over to the Assured or his agent at the destination named, or;
ii) On delivery to a place of storage other than in the ordinary course of transit, or;
iii) On expiry of ten days from the time the vehicle is made available for collection by the Assured or
his agent;

whichever shall first occur.

b) Valuation & Average Clause

The vehicle shall be insured for its full market value, including freight delivered at destination.

This Policy is subject to the condition of average, that is to say, if the vehicle covered by this Insurance
shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled
to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total
value of the said vehicle.

c) Depreciation

Underwriters liability is restricted to the reasonable cost of repair and no claim is to attach hereto for
depreciation consequent thereon.

d) Respraying

Respraying of vehicles is limited to damaged parts only.

e) Exclusions

Excluding loss of or damage due to mechanical, electrical or electronic derangement unless there
is evidence of external damage to the vehicle.

Excluding loss or damage arising out of climatic or atmospheric conditions or extremes of

temperature or freezing of coolant.

Excluding rusting, oxidisation & discolouration unless caused by an insured peril.

Excluding loss or damage to accessories or portable equipment unless declared prior to

shipment.

Excluding theft or pilferage of Audio / Visual and/or GPS equipment unless stolen with the
vehicle.

Excluding loss or damage whilst under own power, other than whilst being loaded or unloaded
from the carrying conveyance or container.

Excluding damages, injury or liabilities to any third party whatsoever.

Excluding any claim recoverable under a policy of Motor Insurance.

In respect of vehicles over five years of age or without a Certificate of Condition:

Excluding the risks of scratching, denting, marring, chipping or staining.

Note: A Certificate of Condition is a document stating the condition of the vehicle at the time of entering
the custody of the Freight Forwarder or Shipping Company, noting all defects and signed and agreed by
both the Assured and the Freight Forwarder / Shipping Company.

G2) Automobiles, Motorcycles & Caravans (containerised)

Institute Cargo Clauses A CL382 dated 01.01.2009.
Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.
Subject also to Automobile & Motorcycle Additional Conditions as follows:

a) Duration Clause

This insurance attaches from the time the vehicle is handed over to the carrier or agent at the place
named for the commencement of the transit including, where required, for a period not exceeding 15 days
in compound whilst awaiting loading, continues during the ordinary course of transit and terminates either:

i) When the vehicle is handed over to the Assured or his agent at the destination named, or;
ii) On delivery to a place of storage other than in the ordinary course of transit, or;
iii) On expiry of ten days from the time the vehicle is made available for collection by the
Assured or his agent;

whichever shall first occur.

b) Valuation & Average Clause

The vehicle shall be insured for its full market value, including freight delivered at destination.

This Policy is subject to the condition of average, that is to say, if the vehicle covered by this Insurance
shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled
to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total
value of the said vehicle.

c) Depreciation

Underwriters liability is restricted to the reasonable cost of repair and no claim is to attach hereto for
depreciation consequent thereon.

d) Respraying

Respraying of vehicles is limited to damaged parts only.

e) Exclusions

Excluding loss of or damage due to mechanical, electrical or electronic derangement unless there
is evidence of external damage to the vehicle.

Excluding loss or damage whilst under own power, other than whilst being loaded or unloaded
from the carrying conveyance or container.

Excluding damages, injury or liabilities to any third party whatsoever.

Excluding any claim recoverable under a policy of Motor Insurance.

 Excluding loss or damage to accessories or portable equipment unless declared prior to
shipment.

Excluding theft or pilferage of Audio / Visual and/or GPS equipment unless stolen with the
vehicle.

In respect of vehicles over five years of age or without a Certificate of Condition:

Excluding the risks of scratching, denting, marring, chipping or staining.

Note: A Certificate of Condition is a document stating the condition of the vehicle at the time of entering
the custody of the Freight Forwarder or Shipping Company, noting all defects and signed and agreed by
both the Assured and the Freight Forwarder / Shipping Company.

H) Arts & Antiques (By Sea)

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.
Subject also to Arts & Antiques Additional Conditions as follows:

a) Average Clause

This Policy is subject to the condition of average, that is to say, if the property covered by this Insurance
shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled
to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total
value of the said property.

b) Pairs and Sets Clause

Where any insured item consists of articles in a pair or set this Policy is not to pay more than the value of
any particular part or parts which may be lost without reference to any special value which such article or
articles may have as part of such pair or set, nor more than a proportionate part of such pair or set.

c) Depreciation

Underwriters liability is restricted to the reasonable cost of repair and no claim is to attach hereto for
depreciation consequent thereon.

d) Moth, Vermin, Wear & Tear

Excluding loss or damage due to moth, vermin, wear, tear and gradual deterioration.

e) Climatic Conditions Clause

Excluding loss or damage by climatic or atmospheric conditions or extremes of temperature.

f) Itemised Inventory
Subject to valued, itemised inventory to be lodged with Freight Forwarder prior to shipment.

g) Professional Packing

Excluding losses arising as a result of goods not having been professionally packed.

H1) Arts & Antiques (By Air)

Institute Cargo Clauses (Air) (excluding sendings by Post) CL387 dated 01.01.2009.
Institute War Clauses (Air Cargo) (excluding sendings by Post) CL388 dated 01.01.2009.
Institute Strikes Clauses (Cargo) (Air Cargo) CL389 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.
Subject also to Arts & Antiques Additional Conditions as follows:

a) Average Clause

This Policy is subject to the condition of average, that is to say, if the property covered by this Insurance
shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled
to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total
value of the said property.

b) Pairs and Sets Clause

Where any insured item consists of articles in a pair or set this Policy is not to pay more than the value of
any particular part or parts which may be lost without reference to any special value which such article or
articles may have as part of such pair or set, nor more than a proportionate part of such pair or set.

c) Depreciation

Underwriters liability is restricted to the reasonable cost of repair and no claim is to attach hereto for
depreciation consequent thereon.

d) Moth, Vermin, Wear & Tear

Excluding loss or damage due to moth, vermin, wear, tear and gradual deterioration.

e) Climatic Conditions Clause

Excluding loss or damage by climatic or atmospheric conditions or extremes of temperature.

f) Itemised Inventory

Subject to valued, itemised inventory to be lodged with Freight Forwarder prior to shipment.

g) Professional Packing

Excluding losses arising as a result of goods not having been professionally packed.

I) Used Goods
Institute Cargo Clauses C CL384 dated 01.01.2009.
Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Secondhand Replacement Clause as attached as applicable.
Excluding Electrical and Mechanical derangement unless caused by a peril insured against.
Termination of Transit Clause Terrorism 2009 JC2009/056
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

J) Tradeshow Materials (By Sea/Land)

Institute Cargo Clauses A CL382 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
For secondhand and/or used items, the coverage is restricted to Institute Cargo Clauses "C" CL384 dated
01.01.2009
For any electronic, electrical and/or mechanical items, it is subject to exclusion of Electronic, Electrical
and Mechanical derangement
Excluding loss of or damage to furs valued over USD200, or any cash, notes, stamps, deeds, tickets,
travellers cheques, jewellery, watches, fine arts or similar valuable articles other than as declared and
agreed herein.
Warranted shipments to be containerised
Including transhipment,barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

J1) Tradeshow Materials (By Air)

Institute Cargo Clauses (Air) (excluding sendings by Post) CL387 dated 01.01.2009.
Institute War Clauses (Air Cargo) (excluding sendings by Post) CL388 dated 01.01.2009.
Institute Strikes Clauses (Cargo) (Air Cargo) CL389 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
For secondhand and/or used items, the coverage is restricted to Institute Cargo Clauses "C" CL384 dated
01.01.2009
For any electronic, electrical and/or mechanical items, it is subject to exclusion of Electronic, Electrical
and Mechanical derangement
Excluding loss of or damage to furs valued over USD200, or any cash, notes, stamps, deeds, tickets,
travellers cheques, jewellery, watches, fine arts or similar valuable articles other than as declared and
agreed herein.
Including transhipment,barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

K) Used Goods Steel Products

Institute Cargo Clauses C CL384 dated 01.01.2009.

Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
th
Exclusion Clause Cls. 370 dated 10 November 2003.
th
Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Secondhand Replacement Clause as attached as applicable.
Termination of Transit Clause Terrorism 2009 JC2009/056
Warranted containerised and packed in manufacturers export packing.
Excluding Rust, Oxidisation & Discolouration unless caused by a peril insured against.
Excluding shipment by tug and barge other than during transhipment, whether customary or otherwise.
Subject also to Additional Conditions as attached.