Annual Cargo Insurance / Blanket Cargo Cover

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Protect all your imports and exports throughout the year with an Annual or Open Cargo policy – ideal for businesses moving goods regularly by sea, air, road or rail.

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GET A QUOTE NOW

We compare quotes from specialist cargo insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

ALL-YEAR PROTECTION FOR REGULAR SHIPPERS

  • Open cover

    OPEN-COVER POLICIES

  • All shipments

    ALL SHIPMENTS INCLUDED

  • Multi-modal

    SEA / AIR / ROAD / RAIL

  • Efficiency

    FASTER PROCESS & FEWER FORMS

Perfect for Importers, Exporters and Companies Shipping Goods Frequently

An annual cargo policy protects all your cargo movements for 12 months, removing the need to arrange insurance on a per-shipment basis. It simplifies administration, reduces cost, and ensures every load is automatically covered – as long as it falls within the agreed parameters.

What Annual / Blanket Cargo Insurance Covers

One policy covering all goods shipped during the year, subject to declarations and agreed limits.


  • All-risk cargo cover under Institute Cargo Clauses (A)
  • Loss or damage across sea, air, road & rail movements
  • Warehouse-to-warehouse protection
  • Theft, pilferage, water damage, rough handling
  • General Average & salvage charges
  • Transit delays following insured incidents

Optional Add-Ons


  • Cold-chain / temperature-deviation extensions
  • High-value item extensions (electronics, luxury goods)
  • Stock-throughput programmes
  • Domestic UK transit coverage
  • Seller’s interest cover

Who Is Annual Cargo Insurance Designed For?

Businesses That Benefit Most


  • Importers and exporters shipping goods frequently
  • Manufacturers with regular overseas supply chains
  • E-commerce and retail businesses receiving bulk shipments
  • Wholesalers & distributors with constant stock movement
  • Forwarders managing cargo for multiple clients

Benefits vs Single-Transit Policies


  • Covers every shipment automatically – no need to buy ad hoc policies
  • Reduces admin & speeds up logistics processes
  • Cost-effective for high-volume shippers
  • Consistent terms across all shipments
  • Improved claims handling & insurer relationships

Why Arrange Annual Cargo Cover with Insure24?


  • Access to specialist marine insurers
  • Fast quotations for annual or open-cover policies
  • Expert guidance on limits, clauses and declarations
  • Support for global multimodal supply chains
  • Dedicated claims assistance for shipping incidents
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Switching to an annual cargo policy saved us time and money. Every shipment is now automatically covered, and claims have been handled smoothly.

Daniel W., Import & Export Manager

FREQUENTLY ASKED QUESTIONS

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What is Annual Cargo Insurance?

It is a 12-month cargo policy that automatically covers all shipments within agreed limits, instead of buying insurance per shipment.

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Is an annual policy cheaper than single shipment cover?

Usually, yes - frequent shippers benefit from reduced administration and better pricing because insurers know the annual shipping profile.

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Do I need to declare every shipment?

Many annual cargo policies operate on a declaration basis where you submit shipment values monthly or quarterly. Others allow fully “blanket” coverage.

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Does it cover all transport modes?

Yes - annual cargo policies typically cover sea, air, road and rail, including warehouse-to-warehouse movements.

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