MARINE CARGO

CLAIMS
PROCEDURE

NOTIFICATION: Claim can be

notified
by the insured/or the broker.
The claim handler will have to
check if
the loss/damage is covered by
querying the
certificate number after which the
premium statue will be verified.
Link the claim with the
superintending report.
This report will make us know if our
liability is
engaged or not. If the report could
not

ACKNOWLEDGEMENT: The claim will be

acknowledged
by email or hard copy. if we are leading, the
supporting documents required will be clearly
stated, the branch will be copied and the branch
be asked to complete premium confirmation slip
send to claims dept. Where liability is in doubt, w
shall include the wording WITIHOUT PREJUDICE
our acknowledgement letter while awaiting the
submission of the supporting documents without
which it will be impossible for us to treat the cla
further. At this stage, the insured/broker will be
notified to keep the salvage in a safe place for ou
further action. Reinsurance dept. will also be not

F CLAIM SUBSTANTIATING DOCUMENTS FOR MARINE C

ne insurance certificate number(where the

ate number is not given as at the time of notification

inal bill of lading: This is a record of traded goods

have been received on board. It is a document that
shes an agreement between a shipper and a
ortation company. It indicates the particular carrier
h which the goods have been placed to their final
ation and the conditions for transporting the shipme
nal destination. The shipping line/carrier issues bill o
and it issued to claim ownership of the cargo.
ore, who hasthe bill of lading has the title to the carg

Packing list: A packing list accompanies

international shipment and is used to inform
transportation companies about what they
are moving as well as to allow the customer
and others involved in the transaction to
check what has been shipped against the
proforma invoice. It is a good safeguard
against shipping incorrect cargo.
Commercial invoice: This is used as a
customs declaration provided by the person
or corporation that is exporting an item
across international borders. It must include
a statement certifying that the invoice is true
and signature. It includes the sender,

that one or more packages consigned to him have

been short
landed, the short landing certificate will be
required.
Copy of protest letter to the shipper and
their reply admitting liability.
It is not sufficient that the insured write a protest
letter to
the negligent 3rd party but the insured must follow
it up to a
logical conclusion.
NPA T FORM 38: When there is a damage or
loss
through the negligent of the port, port authority is
required to issue this form which has the wordings
that port authority will be liable for the

Statement of claim.
Discrepancy certificate for damaged cargo.
Photographs of the damaged cargo.
Circumstances leading to the loss/damage.

penalty might
also be imposed for prejudiced recovery or lack of
documentation.

SETTLEMENT OFFER:MEC form will be completed

and it will go
round for approval after which the settlement offer
will be
issued. At times subrogation form can be issued
along with
the settlement offer if we have subrogation right
on the claim.
Along the line, our file would be passed to salvage
committee
if there is salvage.

MPLES OF TREATED CASES:

SURED:NESTLE NIGERIA PLC

M NO:C/60074/50/5007/2013/016292
OF COVER:MARINE CARGO-OPEN COVER
OD OF INS:30/4/13 29/7/13
ASSURED: N45,429,743.20;PREMIUM:N90,859.5
IL OF LOSS:MISSING INTRANSIT OF MICRONUTRIENT
MIX 6298
.NO.44735
SHARE 100,RETENTION 100%

mstances:
aim was notified on 30th October,2013 and same was
wledged on 31st October,2014 with request for supporting
ments and the branch was asked to avail us with duly comple
um confirmation slip. We also asked the superintending agen
us with her report since we could not trace same from our re
he superintending agent replied that they did not witness
scharge because they were not informed of the arrival of the
gnment by the insured.
was a case of conspiracy and stealing of 800 Cases (20,000kg
nutrient premix 6298 by the driver employed by the
r Kerildbert Holdings Ltd..
eun Akindele former driver to the company was arrested at
in Osun state and he confessed that he received the sum of
00 from Lukman Afeez the company driver that diverted the

the Insured contract with the carrier, the carrier was manda
e up GIT insurance policy and the carrier has lodged the clai
her Insurer which happens to be International Energy Insuran
otified the Insurer quoting the policy number in the claim form
tted (copy of claim form was given to us).
d not reply our letter immediately, this prompted MR Kamoru
naboifoh to visit IEI on 24th February,2014 in order to follow
our subrogation right but on getting to IEI we were given a le
stated that losses due to diversion/disappearance of vehicle
not covered under the GIT cover granted.
d on this,we wrote the insured on 26th of February,2014 and
municated the GIT insurer repudiation to her and informing th
ed that our subrogation right against the transporter still stan
her the transporter has a valid GIT policy or not. We were late
med by the insured that the items have been recovered but s
damaged, at this point we informed our survey unit to
ct the damaged items, the damaged items were inspected a
ted.

amaged items were later destroyed by the insured and

graphs showing the process of destruction were sent to us.
the insured was yet to finally document the claim, we sent
to the insured to avail us with their statement of claim to en
ue our settlement offer,also to avail us with commitment let
he transporter to enable us exercise our subrogation right.
tatement of claim was received on 11/9/14 from the insured
mediately prepared the MEC form for the sum of N5,775,256
was passed for approval.

same time, we notified the transporter of our intention to

ise our subrogation right against him and told him that copy
y executed DV and subrogation form will be sent to him as

as they are being executed. The

executed DV and subrogation form
were returned on 23/9/14,we
immediately sent letter with copies
of executed DV and
subrogation form to the negligent
transporter instructing him to issue
cheque in our favour REGIC being
our subrogation right.

2)INSURED:SPINTEX MILLS
NIGERIA
TYPE OF COVER:MARINE CARGOOPEN COVER
CLAIM
NO:C/60097/50/5007/2012/011708
PERIOD OF INS:15/8/12 -14/11/12
SUM
ASSURED:N13,510,332.00,PREMIU
M:N32,424.80
DETAIL OF LOSS;FIRE ON BOARD
OUR SHARE 60%,LEADWAY 40%
OUR RETENTION:100%

aim was notified on 2/11/12 and it was acknowledged same

s a general average claim, we were to issue a general averag
ntee while general average bond was to be issued by the ins
nfortunately we did not meet the requirement that says that
writer should be located in an acceptable jurisdiction in Euro
fore, we had to opt for the second option of transferring
($39,282.38 i.e.N6,304,821.60) of the cargo sound value to t
ral average loss adjuster by the name Groninger welke Jans
ur insureds cargo was not damaged and same was later
hipped and same has since been received by our insured.
/5/14,we were further asked to appoint an English lawyer to
sent our interest in the final adjustment of the claim in UK.
d to inform Leadway too, we both agreed and appointed :
in Maritime & Aviation servicesLtd.uk to represent us.

THAN
K YOU