All insurance products

Cargo insurance — key questions answered

Single card: object, risks (ICC), CMR difference, territory, broker value, and pricing.

ICC A/B/CCMR vs CargoKZ/INTL

What is insured

The object is the cargo (goods) in transit. The policy is tailored to shipment frequency, cargo type and documents.

Annual / single • B2B

Who it’s for

Cargo owners and trading companies (protects the value of goods)
Importers/exporters working under contracts and Incoterms
Manufacturers with regular shipments
Logistics providers/forwarders when required by contract

Policy formats

Open (annual) policy

one yearly contract for regular shipments (best for recurring loads)

Single-trip policy

for one shipment (one route / one consignment)

Cargo types

FMCG, machinery, electronics, temperature-controlled, oversized, ADR — subject to terms

Policyholder

usually the cargo owner; sometimes seller/buyer per contract

Key point: cargo insurance protects the value of goods. It does not replace carrier’s liability.

What risks are covered

In practice, terms are described via ICC (Institute Cargo Clauses). We translate insurance wording into plain language.

ICC A/B/C • Risks

Core options

ICC A (All Risks): covers everything not excluded (accident, theft/robbery, wet damage, dropping, handling damage — subject to exclusions).
ICC B/C (Named Perils): covers only listed events (fire, crash, collision etc.) — cheaper but narrower.
Kazakhstan market pain point: fraud theft (fake carrier) is not always included by default; it must be negotiated and written in.

Common questions

Theft on parking

depends on parking/guarding requirements. We choose realistic terms.

Wet damage/spillage

often falls under all risks, but packing and securing matter.

Loading/unloading

may require an endorsement. We verify the exact wording.

Fraud theft

we negotiate and add it explicitly if crucial for you.

The most common claim issue is not ‘bad insurer’ but breached conditions: packing, securing, route, parking. A broker prevents surprises.

CMR liability vs cargo insurance

This is the key difference. If you own the goods, you usually need cargo insurance.

CMR / carrier liability

protects the carrier when they are liable. Has limits, exclusions and deductibles.

Cargo insurance

protects the value of goods (the owner) — often even with no liable party if included.

Typical mistake

“Carrier has CMR, so my cargo is protected.” Not necessarily.

In practice, full protection often uses both: CMR (carrier) + cargo insurance (goods).

Territory and routes

Domestic transportation within Kazakhstan
International routes: CIS, Europe, China, Türkiye
Does it work on unguarded parking? We choose realistic insurer requirements
We document route, transshipment and storage points — affects claims

Why Dionis as a broker

Clients see a policy and a price. We control clauses, exclusions and whether the contract truly fits your route and operations.

We compare 5–10 Kazakhstan insurers’ quotations and choose a rational rate for your risk profile.
We audit clauses: night driving bans, parking rules, convoy requirements, country/transshipment limits.
We support claims: surveyor/adjuster, evidence, acts and correct reporting to secure payment.
We manage the process to outcome — so you don’t fight bureaucracy alone.

What affects the price

Cargo value and type
Route length and complexity
ICC (A/B/C) choice and endorsements
Deductible presence and size
Packing, loading method, temperature regime, transshipments

Request a quote +7 (727) 357-30-30