Safety, protection, peace of mind, these are in fact the insurance Dacoda offers you. Nobody likes to think “what if? …”, but you can be prepared to face the unpredictable, be you a carrier or the owner of a certain quantity of merchandise that you wish to carry.

Do not wait for the “unpredictable” to happen. Start searching the answers to your questions now. No matter what type of insurance you choose or what insurance company, ask yourself the following questions:

Why do I need this insurance policy?
How do I choose the most appropriate insurance company?
Which are the insurance options?
What advantages is offering me that particular insurance company?

Nowadays there are many alternatives when choosing an insurance company, but keep in mind: not all the companies are alike.

That is why, in order to develop a coherent transport activity and in order to reduce the time and energy spent with choosing the right type of insurance, Dacoda, in partnership with Allianz Tiriac Insurance, provides this kind of services, too.

Within the carriage matter there is the misconception that the merchandise delivered to the carrier by the dispatcher is part of the shipper’s liability. The shipper does not fully answer for the merchandise. According to the law and against general belive, there are risks that are not the responsibility of the carrier in case of damage. During a transport deal there are some risks that concern the dispatcher and risks that concern the carrier. That is why Dacoda recommends the insurance policy to be drawn by both the dispatcher as well as the shipper.

The most frequent insurance policies recommended by Dacoda are:

- The policy regarding all risks, its beneficiary is the carrier (the owner of the carried merchandise); in this case the insurance premium is expressed as a percentage from the value of the carried merchandise;

- The CMR policy, its beneficiary is the carrier; in this case the insurance premium is expressed as a percentage from the upper limit value of the carried merchandise. For the CMR policy, the inssured risk is 'the responsibility of the conveyor, and sole the conveyor, as a carrier, against all damages of transported freight caused by the carrier and/or the driver of the vehicle, including those as a result of not respecting the convey contract. This insurance policy includes the responsibility of the conveyor for damages of the freight as a result of technical malfunctions of the vehicle or as a result of the actions of the lender of the vehicle' (quote from Conditions for carrier insurance policy made by Allianz - Tiriac insurance company).
 

On clients request Dacoda offers other kinds of insurance policies for insuring the vehicles against damages and theft (CASCO), for auto civil responsibility (RCA) and insurance policies for goods and buildings, for physical persons and companies.