Marine Cargo & Hull Insurance
Protect goods in transit or vessels in operation, with cover considered alongside routes, contracts and how risk transfers.
Cover overview
What this cover can help protect
- Cargo in transit by sea, air or land against loss or damage
- Vessel hull and machinery, for businesses that own or operate vessels
- Goods in storage or transshipment, depending on the policy terms
- War and strikes extensions, where available and selected
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- You import or export goods regularly
- You're arranging cover for a specific shipment
- Your business owns or charters vessels needing hull cover
- You want your Incoterms and insurance reviewed together
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
What's the difference between cargo and hull cover?
Cargo protects the goods being transported; hull protects the vessel itself, including its machinery.
Does the Incoterm on my shipment affect who needs insurance?
Yes — it determines when risk transfers between buyer and seller, and who should be arranging cover.
Can cover be arranged for a single shipment rather than annually?
Both single-transit and annual open-cover are typically available — we'll help you weigh which suits your volume.
What documentation will the insurer need after a loss?
Shipping documents and evidence of loss, generally — our claims support team guides you through the specifics.
Let’s find out what suitable marine cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.