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What is Carriers Liability Insurance?

Our Carriers Transit Liability Insurance is designed to offer you peace of mind while in transit. This insurance covers your legal liability regarding compensation for loss or damage to goods and/or livestock, as well as agreed amounts of loss or damage for goods and/or livestock.

The insured is covered and indemnified against his legal liability for actual and physical loss of or damage to goods or merchandise directly caused by fire and or accident to the vehicle registered under the number stated in the schedule whilst such goods or merchandise are actually transported in the said vehicle.

The goods or merchandise are actually transported in the said vehicle on condition that:

  • Fire or accident has arisen on account of negligence of the insured.
  • Such damage or loss has been caused due to negligence or criminal acts of the insured’s servants.
  • That the vehicle is damaged by fire or explosion or accident.
  • That a claim in respect of the motor vehicle thereof is admitted under motor comprehensive insurance policy covering the vehicle.

The cover will commence with the loading of cargo on the vehicle and will be in force until unloading of the cargo at the discharging point or expiry of seven days after the first arrival of the vehicle at the destination town which ever may occur first.

Other types of insurance cover

Group Personal Accident

This Insurance provides a comprehensive coverage for all expenses associated with accidents up to an agreed limit. In case of the accidental death of the insured,

Directors & Officers Liability Insurance

D&O insurance policies offer liability cover for company managers to protect them from claims which may arise from the decisions and actions taken.

Trustees liability Insurance

The law imposes on trustees a number of duties that they must carry out using the care, skill and diligence that a prudent person of business would exercise.

FAQ’s

You will need contents insurance, sometimes known as all risk cover, for items for which you require cover out with the home. Please provide details of these items at the time of quotation to ensure that the policy provided meets with your requirements.

Accidental Damage cover provides protection against costs incurred through damage that you, your family members or visitors may cause to the structure of your Building or to your Contents. Examples of incidents which would be covered under this extension include putting your foot through the loft floor damaging the ceiling below, leaving a tap running leading to water damage or carpet spillages. Such incidents would not be included under a policy taken out to cover Standard Perils only.

Additional charges will apply and in certain circumstances this cover might not be available.

Items kept in the garage or garden sheds will be covered under the Contents section of your policy provided you have included their value in the total sum insured declared. Limits may apply to the amount that can be claimed for theft of items taken from outbuildings and additional charges may be made for certain items such as ride on mowers. Cover for motor vehicles and motorcycles is excluded. Please declare your requirements for cover kept in outbuildings at the time of quotation to ensure that the policy provided meets with your requirements.

In most cases you will need to arrange cover for your own contents and personal possessions. Please refer to your tenancy agreement to check what, if any cover is provided by your landlord.

An excess is the amount a policyholder is required to pay towards the cost of any claim. You may be asked to pay this amount to a company that has carried out repairs on behalf of your insurer, or alternatively the sum will be deducted from any settlement received.

Tips:

Goldstar claim process

No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to you with a transparent claims process.

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How to make a claim

We have a number of options to help you make a claim quickly and effectively. Contact our dedicated claims team for advice on an incident/claim.

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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance Company in Uganda (2015) and has over the years consistently maintained a Global A+ Credit Rating

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