Insurance Advice and Technical Information Archives

A guide to help businesses understand the cost of underinsurance

Posted on October 20, 2015September 6, 2017 by Richard French

Underinsurance occurs when you have not taken out the right amount of insurance cover for your needs. There will be a variety of factors to take into account when you assess how much insurance you need and if you are not sure you should get advice from a broker or valuation expert because if that amount is wrong it is likely to impact the amount you are paid for any claim you n...

C.M.R. Liabilities

Posted on September 16, 2015September 6, 2017 by Mark French

C.M.R. is short for the Convention on the Contract for the International Carriage of Goods by Road. It is a statute which was ratified in the United Kingdom by the Carriage of Goods by Road Act 1965 and came into force in 1967. The convention applies to every contract for the carriage of goods by road in vehicles for reward from one country to another provided that one of the ...

RHA Conditions

Posted on September 16, 2015September 16, 2015 by Mark French

1998 Road Haulage Association (R.H.A.) Conditions With effect from 1st September 1998 the R.H.A. reissued their standard conditions. The key issues are as follows: Reference to copyright will be prominent as will the membership number Illegal use will enable prosecution The preamble emphasises the customer's need to insure The number of clauses are reduced The mone...

Legal Liability of Hauliers

Posted on August 20, 2015November 11, 2015 by Mark French

It's Common Law Hauliers are liable for loss or damage to goods at Common Law unless they operate under conditions of carriage or unless a statute applies. Historically there have been "Common Carriers" and "Private Carriers". The common carrier as an institution is almost defunct but still alive as a legal principle. Such a carrier is one who holds himself out as willi...