CMR

CMR insurance is a type of contractual civil liability insurance designed for international road freight transport companies, issued in accordance with the provisions of the CMR Convention (Convention on the Contract for the International Carriage of Goods by Road).

It is an essential form of protection for transport companies, as it guarantees coverage for damage to goods during transport, from the moment of pickup until delivery to the recipient.

What risks does the policy cover? 
CMR insurance covers material damages suffered by the transported goods, caused between the pickup and delivery period, as defined in the transport contract.

Covered risks:

• Total or partial loss of the goods;
• Damage to the goods during transport.

Important: 
The carrier's liability is limited according to the rules set by the CMR Convention — generally based on the gross weight of the damaged goods, not their full commercial value. Therefore, CMR insurance is not cargo insurance, but liability insurance for the carrier in relation to their client.

What is the insured amount? 
The insured amount is the maximum value up to which Donaris Vienna Insurance Group will compensate damages under the policy, within the liability limits set by law. It is determined at the time the policy is signed and varies depending on the type of goods, frequency of transport, and other factors specific to the transport company’s operations.

Flexibility: 
The policy can be issued for a single shipment (with limited validity) or as a general annual policy, covering all shipments made by the insured within a certain timeframe.

Territoriality: 
The insurance is valid for international shipments between two different countries, of which at least one must be a signatory to the CMR Convention. The signatory countries include all EU member states and many other countries in Europe and Central Asia. The full list can be found on the official UN website.

Why is CMR insurance important?

• In case of damage, CMR insurance provides financial protection to the transport company, avoiding major expenses that could impact operations or reputation.
• It also builds trust and transparency in the relationship with clients who outsource goods transportation.
• In many cases, CMR insurance is contractually required by international business partners and can be a competitive advantage for carriers offering it in their service package.

How to obtain a CMR policy? 
Contact Donaris Vienna Insurance Group for a personalized offer, tailored to the volume and type of transport you carry out. The policy can be issued quickly, and our specialists will help you choose the right protection for your business.