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Marine Cargo Insurance

Cover your goods in transit — by sea, air or road.

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Marine Cargo Insurance

Overview

AAR Marine Cargo Insurance protects your goods against loss or damage while they are in transit — whether you are importing, exporting or moving cargo locally, and whether it travels by sea, air or road. It covers both containerised and non-containerised shipments.

You choose the level of cover that matches the value and risk of your shipment, and can quote in multiple currencies to match your invoice. A marine certificate is issued online once cover is confirmed — the document freight forwarders and clearing agents typically require.

Cover is priced from the value of your cargo, the route and the cover level you choose, with a minimum premium applying to smaller shipments. Get a quote and buy online in minutes.

What’s covered

Sea, air & land cargo cover
Imports, exports & local transit
Containerised & non-containerised shipments
Quote & insure in multiple currencies
All Risk, FPA & Basic clause options
Online marine certificate issuance

Cover options

All Risk

The widest cover, protecting your cargo against most causes of physical loss or damage in transit.

FPA (Free from Particular Average)

Covers total loss and specified major perils — a more economical option for lower-risk shipments.

Basic

Entry-level cover for named perils, suited to lower-value or lower-risk shipments.

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  • Regulated by the IRA
  • Secure M-Pesa & card payments
  • Instant policy documents

Frequently asked questions

Imports, exports and goods in transit by sea, air or road, whether containerised or non-containerised.

Anyone importing, exporting or transporting goods who wants to protect their cargo against loss or damage in transit — importers, exporters, businesses and individuals moving valuable goods.

All Risk is the widest cover against most causes of loss or damage, while FPA covers total loss and specified major perils at a lower premium.

It is based on the value (sum insured) of your cargo, the route and mode of transport, and the cover level you choose. A minimum premium applies to smaller shipments, and you see the exact figure in your quote.

Yes. Cover is available for imports, exports and goods moving locally, by sea, air or road.

Once you complete your quote and confirm cover online, your marine cargo certificate is issued and available to you — the document typically needed for clearing.

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