Transport Insurance – Full Protection for Your Freight

Statutory carrier liability only covers 8.33 SDR/kg (approx. €10/kg). NexCargo offers optional transport insurance that covers the full value of your goods — full value covered, no excess, no hidden clauses.

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Carrier Liability vs. NexCargo Transport Insurance

Criteria	Statutory Carrier Liability	NexCargo Transport Insurance
Liability limit	8.33 SDR/kg (≈ €10/kg)	Full goods value
Excess	Disputed	None
Total loss cover	Limited	Full
Partial loss cover	Limited	Full
Packaging defects	Excluded	Included
Payout speed	Weeks to months	Fast settlement

When is transport insurance worthwhile?

Goods value over €500

Electronics, machinery and industrial goods quickly exceed the statutory liability limit — leaving the sender liable for the gap.

Fragile or sensitive goods

Glass, displays, measuring instruments or sensitive components — without insurance, the risk lies entirely with the sender.

International shipments

Cross-border transport is subject to different liability rules (CMR). Transport insurance closes these gaps reliably.

What is covered?

Total loss due to accident, theft or fire
Partial damage due to improper handling
Moisture damage and weather-related harm
Breakage damage for fragile goods
Damage caused by packaging defects (included)

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Instant price including insurance option – no registration required

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Frequently asked questions about transport insurance

How much does transport insurance cost at NexCargo?

The insurance premium is based on the declared goods value and is typically 0.3–0.8%. For a goods value of €5,000 this means an additional €15–40. The exact amount is shown in the price calculator.

Do I need to book insurance separately for every shipment?

No. You can set transport insurance as the default for all your shipments. Framework agreements for frequent senders are available on request.

What happens in the event of a claim?

Damage must be noted on the delivery note upon receipt and reported within 7 days. NexCargo handles the claims settlement directly — no complicated contact with the insurer required.

Does the insurance apply to international shipments?

Yes. Transport insurance applies to all NexCargo transports, national and international. CMR conditions apply within the EU — our insurance covers beyond those limits.

Are perishable goods or hazardous materials covered?

Foodstuffs and perishable goods are generally excluded. Hazardous goods (ADR) can be insured separately on request. For high-value goods exceeding €50,000 please contact our customer service.

Why statutory liability is often not enough

A carrier's liability in road freight is calculated by the weight of the consignment, not by the value of the goods. Domestically the German Commercial Code sets 8.33 units of account per kilogram, and internationally the CMR sets 8.33 special drawing rights per kilogram. For a pallet of steel that is usually adequate — for 20 kilograms of medical technology or electronics the compensation falls far short of the actual loss.

The rule of thumb is therefore: the lighter and more valuable the goods, the wider the coverage gap. Extended transport insurance closes it by taking the agreed value of the goods as the basis instead of the weight. It is also worthwhile for consignments whose loss triggers consequential costs — spare parts, for instance, whose absence stops a production line. The premium then bears no relation to the risk avoided.