{"id":1052,"date":"2025-12-16T15:14:16","date_gmt":"2025-12-16T15:14:16","guid":{"rendered":"https:\/\/odsorient.com\/?p=1052"},"modified":"2025-11-19T15:41:02","modified_gmt":"2025-11-19T15:41:02","slug":"transport-insurance-for-roro-5-tariffs-compared-2","status":"publish","type":"post","link":"https:\/\/odsorient.com\/en\/transportversicherung-bei-roro-5-tarife-im-vergleich-2","title":{"rendered":"Transport insurance with RORO: 5 rates in comparison"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Why RoRo is risky without a clean policy<\/h2>\n\n\n\n<p>RoRo is fast, gentle and efficient \u2013 but risks remain: storm damage, general average, theft during unplanned temporary storage, damage during port handling or war\/strike events. The insurance must therefore be appropriate for the type of cargo, relation and risk profile.<\/p>\n\n\n\n<p>Three basic principles help with the selection:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Scope of cover (named perils vs. all risks)<\/li>\n\n\n\n<li>Risk period (warehouse-to-warehouse, port-to-port, pre-carriage\/post-carriage)<\/li>\n\n\n\n<li>Obligations &amp; exclusions (e.g. \u201eno viewing\u201c, proper securing, no personal belongings)<\/li>\n<\/ol>\n\n\n\n<p><strong>Practical tip:<\/strong> Check the General Average Rules (York-Antwerp Rules) and whether your policy covers GA contributions and salvage. This is crucial for sea transport.<\/p>\n\n\n\n<p>Official rules and regulations: <a href=\"https:\/\/www.imo.org\/en\/OurWork\/Safety\/Pages\/CTU-Code.aspx\" target=\"_blank\" rel=\"noopener\">IMO - CTU Code<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What the Institute Cargo Clauses mean<\/h2>\n\n\n\n<p>The Institute Cargo Clauses (ICC) are international standard terms and conditions for goods transport insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ICC (A):<\/strong> All risks (with standard exclusions such as inherent vice, corrosion, inadequate packaging)<\/li>\n\n\n\n<li><strong>ICC (B):<\/strong> Extended named perils (e.g. earthquake, seawater)<\/li>\n\n\n\n<li><strong>ICC (C):<\/strong> Basic named perils (e.g. fire, general average)<\/li>\n\n\n\n<li><strong>Add-ons:<\/strong> Institute War Clauses, Strikes Clauses (SRCC), GA coverage, warehouse-to-warehouse if applicable<\/li>\n<\/ul>\n\n\n\n<p>The IUMI Guide at iumi.com provides a clear overview.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A comparison of the 5 most common RoRo tariffs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Tariff 1: Total Loss Only (TLO) \u2013 Budget protection<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For whom?<\/strong> Older vehicles with low residual value<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Total damage\/total loss only<\/li>\n\n\n\n<li><strong>Plus:<\/strong> Inexpensive, covers catastrophic scenarios<\/li>\n\n\n\n<li><strong>Minus:<\/strong> No partial damage such as dents or broken glass<\/li>\n\n\n\n<li><strong>Typical application:<\/strong> low-budget exports<\/li>\n\n\n\n<li><strong>Search intention:<\/strong> Minimum insurance solution for ro-ro transport<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tariff 2: ICC (C) \u2013 Basic Named Perils<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For whom?<\/strong> Robust vehicles, simple relations<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Fire, collision, major accident, salvage<\/li>\n\n\n\n<li><strong>Plus:<\/strong> Basic cover including GA<\/li>\n\n\n\n<li><strong>Minus:<\/strong> No protection against theft or corrosion, for example<\/li>\n\n\n\n<li><strong>Use case:<\/strong> Unsensitive machines<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tariff 3: ICC (B) \u2013 Extended Named Perils<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For whom?<\/strong> Moderate risk profile, additional protection desired<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Contains more hazards (earthquakes, seawater)<\/li>\n\n\n\n<li><strong>Plus:<\/strong> Wider than C<\/li>\n\n\n\n<li><strong>Minus:<\/strong> No genuine all-risk cover<\/li>\n\n\n\n<li><strong>Use case:<\/strong> Medium-value production vehicles<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tariff 4: ICC (A) \u2013 All Risks<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For whom?<\/strong> High-quality vehicles, sensitive goods<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Almost all transport risks, including general average and salvage<\/li>\n\n\n\n<li><strong>Plus:<\/strong> Protection against crashes, theft, vandalism<\/li>\n\n\n\n<li><strong>Minus:<\/strong> Exclusions remain, e.g. rust without incident<\/li>\n\n\n\n<li><strong>Use case:<\/strong> Premium vehicles, new machinery<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tariff 5: All Risks + War\/Strikes + Specials<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For whom?<\/strong> Expensive EVs, project shipments with risk<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> ICC (A) + War + SRCC + Special Clauses<\/li>\n\n\n\n<li><strong>Plus:<\/strong> Maximum protection against geopolitical risks<\/li>\n\n\n\n<li><strong>Minus:<\/strong> Higher contribution, strict obligations<\/li>\n\n\n\n<li><strong>Use case:<\/strong> High value on tricky routes<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison table: Scope of coverage &amp; areas of application<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>TLO<\/th><th>ICC (C)<\/th><th>ICC (B)<\/th><th>ICC (A)<\/th><th>A + War\/Strikes + Specials<\/th><\/tr><\/thead><tbody><tr><td>partial damage<\/td><td>\u2716<\/td><td>\u2716<\/td><td>\u25b3<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>total loss<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>GA &amp; Salvage<\/td><td>\u25b3<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>seawater<\/td><td>\u2716<\/td><td>\u2716\/\u25b3<\/td><td>\u25b3\/\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>Theft<\/td><td>\u2716<\/td><td>\u2716<\/td><td>\u25b3<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>Wins\/Strikes<\/td><td>\u2716<\/td><td>\u2716<\/td><td>\u2716<\/td><td>\u2716<\/td><td>\u2714<\/td><\/tr><tr><td>EV battery<\/td><td>\u2716<\/td><td>\u2716<\/td><td>\u25b3<\/td><td>\u25b3\/\u2714<\/td><td>\u2714<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Alt text: Matrix comparing the five standard RoRo insurance rates according to coverage elements and areas of application.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key terms you need to know<\/h2>\n\n\n\n<p><strong>General Average:<\/strong><br>In the event of extraordinary rescue operations (e.g. jettisoning), costs are distributed among the ship, cargo and fuel. Without a suitable policy, high advance payments may be required.<\/p>\n\n\n\n<p><strong>Liability regime (carrier):<\/strong><br>Shipping companies only have limited liability (e.g. according to the Hague-Visby or Hamburg Rules). It is therefore essential to take out your own transport insurance.<\/p>\n\n\n\n<p><strong>\u201eBlickleer\u201c &amp; obligations:<\/strong><br>No items in the vehicle, fuel level &lt; \u00bc, document condition. Violations jeopardise coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to choose the right insurance<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Assess vehicle value and risk<\/li>\n\n\n\n<li>Select target coverage (TLO to All Risks + SRCC)<\/li>\n\n\n\n<li>Check the risk period: Do you need warehouse-to-warehouse?<\/li>\n\n\n\n<li>Include GA coverage<\/li>\n\n\n\n<li>Agree on add-ons and excess<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Checklist: 10 steps to finding the right policy<\/h2>\n\n\n\n<p><strong>Before booking:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Define the value of goods and risk<\/li>\n\n\n\n<li>Set coverage target<\/li>\n\n\n\n<li>Select risk period<\/li>\n\n\n\n<li>Check GA &amp; recovery<\/li>\n\n\n\n<li>Clarify special clauses and excesses<\/li>\n<\/ol>\n\n\n\n<p><strong>During the booking process:<\/strong><\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li>Photo documentation (exterior, interior, VIN, mileage)<\/li>\n\n\n\n<li>Observe blind spots and fuel level<\/li>\n\n\n\n<li>Obtain policy, check B\/L data<\/li>\n<\/ol>\n\n\n\n<p><strong>After departure:<\/strong><\/p>\n\n\n\n<ol start=\"9\" class=\"wp-block-list\">\n<li>Keep track of tracking and deadlines<\/li>\n\n\n\n<li>Damage: Document &amp; report<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Further links<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/odsorient.com\/en\/driving-plans\/\">Timetables<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/odsorient.com\/en\/what-do-i-have-to-consider-with-a-roro-shipment\/\">What do I need to bear in mind for a RoRo shipment?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.imo.org\/en\/OurWork\/Safety\/Pages\/CTU-Code.aspx\" target=\"_blank\" rel=\"noopener\">IMO - CTU Code<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common exclusions<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inherent vice, normal corrosion, packaging defects<\/li>\n\n\n\n<li>Personal belongings in the vehicle<\/li>\n\n\n\n<li>Previous damage without condition documentation<\/li>\n<\/ul>\n\n\n\n<p><strong>Tip:<\/strong> For used vehicles, it is essential to create photo documentation before handing them over to the terminal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Reach your destination relaxed with the right policy<\/h2>\n\n\n\n<p>The right transport insurance determines the resilience of your RoRo project. While TLO is sufficient for budget cases, ICC (A) or A + War\/Strikes offer robust all-round coverage. Ensure you have clear documentation, GA coverage and compliance with obligations.<\/p>\n\n\n\n<p><strong>For planning and execution:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/odsorient.com\/en\/driving-plans\/\">Timetables &amp; Slots<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/odsorient.com\/en\/what-do-i-have-to-consider-with-a-roro-shipment\/\">Customs clearance for RoRo shipments<\/a><\/li>\n<\/ul>\n\n\n\n<p>Note: Specific contributions depend on many factors. An individual enquiry is required to obtain a reliable quote.<\/p>\n\n\n\n<p>Disclaimer: All information in this article has been carefully researched but is subject to change at any time. ODS Orient accepts no liability for the topicality, accuracy and completeness of the information provided.<\/p>","protected":false},"excerpt":{"rendered":"<p>Warum RoRo ohne saubere Police riskant ist RoRo ist schnell, schonend und effizient \u2013 aber Risiken bleiben: Sturmsch\u00e4den, Havarie Grosse, Diebstahl w\u00e4hrend einer ungeplanten Zwischenlagerung, Besch\u00e4digung beim Hafenhandling oder War\/Strikes-Ereignisse. Die Versicherung muss deshalb zu Ladungstyp, Relation und Risikoprofil passen. Drei Grundprinzipien helfen bei der Auswahl: Praxis-Tipp: Pr\u00fcfe General-Average-Regeln (York-Antwerp Rules) und ob deine Police [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1053,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/posts\/1052","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/comments?post=1052"}],"version-history":[{"count":1,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/posts\/1052\/revisions"}],"predecessor-version":[{"id":1054,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/posts\/1052\/revisions\/1054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/media\/1053"}],"wp:attachment":[{"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/media?parent=1052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/categories?post=1052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/odsorient.com\/en\/wp-json\/wp\/v2\/tags?post=1052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}