Subject of insurance

Liability of the Insured, as a carrier, to the user of carriage under the Law on Contracts for Carriage of Goods by Road and the Law on Contracts and Torts. This insurance is valid for carriages carried out within the territory of Serbia.

Standard risks:

  • traffic accident of the means of transport,
  • fire and/or explosion (except for the loss occurred as a consequence of self-ignition or explosion of goods).

Additional risk:

  • burglary, robbery or theft of the entire vehicle with goods (evidenced theft).


According to these Terms and Conditions, this insurance does not cover the liability for:

  • carriage carried out without a concluded contract of carriage,
  • carriage carried out for own purposes,
  • carriage free of charge (freight not included),
  • Carriage of postal parcels, valuable sendings (coins, paper money, securities, documents and papers), objects of art (paintings, sculptures and other).

Insurer will not indemnify:

  • damages which may occur due to misrepresentation of the content of liability insurance agreement to the carriage users by stating that the very consignment is the subject of insurance (cargo insurance),
  • damages occurred out of contractual –tort liability,
  • damages covered under the liability to third parties with whom the Insured does not have any contractual relationship,
  • damages as a consequence of a case in which the carrier is exempted from liability   according to the Law on Contracts for Carriage of Goods by Road,
  • damages due to wilful misconduct or gross negligence of the Insured.

Insured is obliged:

To take care and undertake any measures regarding supervision of the loaded vehicle, permanently control the technical condition of the used vehicle and to immediately eliminate any technical failures.

Insured is obliged to:

  • record, together with the consignee, each and every visible damage,
  • notify the insurer of any possible loss without delay,
  • take all required measures to prevent or minimise the loss and/or to act according to the instructions of the Insurer,
  • to report to the nearest competent authority any traffic accident, explosion, fire or theft and to adhere to standard legal procedure.