Does cargo insurance cover every loss or delay?

Coverage depends on the insurer’s acceptance and the policy wording. Review the insured goods, route, value, period of transit, deductible and exclusions before agreeing to cover. Delay-related losses or unsuitable packing may be excluded; ask the insurer or insurance intermediary to explain the terms offered. A freight booking is not evidence that insurance is in force. Keep the policy confirmation, packing records and condition photographs, and follow the stated notification and claims procedure.