How to check a Generali carrier liability policy

On the first page find “Ubezpieczenie Transportowe” (transport insurance) and the title “OC Przewoźnika Drogowego” (road carrier liability). That is the Generali product. “Ubezpieczona działalność” (insured activity) repeats the same domestic and international scope.

Do not mix this policy with professional carrier cover. Generali calls that product OCPZ. OCPZ is for the licence test. OCP covers liability for the goods. A title “Ubezpieczenie Odpowiedzialności Cywilnej Spedytora z rozszerzeniem o ubezpieczenie Odpowiedzialności Cywilnej Przewoźnika Drogowego Umownego” (freight-forwarder liability with an extension for a contractual road carrier) is a different product. If the company will haul as the actual carrier, do not accept forwarder cover alone.

Find “Ubezpieczający” (policyholder) and “Ubezpieczony” (insured). For the haul the insured is the key field. Compare the full legal name, legal form, NIP, REGON and address with the contract and the current company record.

Write down “Numer” (policy number) exactly as it sits next to the word Polisa. Next to it sits “Nr Umowy Generalnej” (master-agreement number). That is not the policy number. The dates in “Okres ubezpieczenia” (period of insurance) must cover loading, the trip and the planned unloading. The same crop also shows “Zakres terytorialny” (territorial scope). Read those three rows in step 4.

“Typ polisy” (policy type) on the Generali form reads “Obrotowa” (turnover policy). That is a turnover contract, not a single-trip policy.

Find the sum on page 2 in “Suma ubezpieczenia” (sum insured). Generali prints one amount “na każde zdarzenie” (per event). Do not copy that sum onto German cabotage.

Territory sits on the first page in “Zakres terytorialny” (territorial scope). Read three rows: domestic Poland, international Europe with the exclusion list, and the cabotage reservation. In “Franszyza redukcyjna” (deductible) read the amount and the note “z zastrzeżeniem franszyz opisanych w klauzulach dodatkowych” (subject to deductibles in the additional clauses).

Under “Klauzule dodatkowe” (additional clauses) open “Klauzula wyłączeń grup towarowych” (cargo-group exclusion clause). The sentence starts with “z wyłączeniem” (excluding). That is an exclusion list, not a stamp for every cargo.

The list includes damaged and post-accident vehicles, live animals, people, postal and courier consignments outside CMR or Polish transport law, household removals, coal, ADR classes I and VII, cash, securities, collections, precious and semi-precious metals and stones, military goods, weapons and ammunition. Copper, chromium, nickel and aluminium are often taken out of that metal exclusion. A high sum on page 2 does not cover a line on this list unless a numbered clause was bought.

A plate list on a Generali policy does not sit on the first page. Find it under “Klauzule dodatkowe” (additional clauses) at “Kabotaż na terenie Niemiec” (cabotage in Germany), “klauzula nr 31” (clause no. 31).

Read DMC up to 3.5 t and DMC above 3.5 t as separate rows. The policy may limit cover to a stated number of “samochodów ciężarowych o DMC poniżej 3,5t” (goods vehicles under 3.5 t GVW) and a “Nr rej.” (registration no.) list. A tractor or combination from the booking that is not on that list is outside this wording.

Generali has a public page “Sprawdź status polisy OCP” (check the status of a carrier liability policy) on portal.generali.pl. Open that page yourself. Type the policy number. The system shows whether the policy is active and paid to schedule, or a message that it cannot verify the data. There is also a “Weryfikuj PDF” (verify PDF) button.

Do not use a phone number that appears only in the carrier’s email. On the first page check both sets of OWU: domestic road-carrier liability and international plus cabotage, resolution GNL/ob./4/8/2024. Missing pages with clauses 30 and 31 change the cabotage reading.

“Klauzula nr 31” (clause no. 31) is “Kabotaż na terenie Niemiec (z wyłączeniem pozostałych krajów Unii Europejskiej oraz Polski)” (cabotage in Germany, excluding the other EU countries and Poland). “Klauzula nr 30” (clause no. 30) is cabotage in the EU without Germany and Poland and, if the territory allows it, in the United Kingdom and Norway.

No clause 31 means no German cabotage. The sum on page 2 does not buy that scope. In clause 31 read the separate sums for DMC up to 3.5 t and above 3.5 t, plus the plate list.

“Przedmiot ubezpieczenia” (subject of insurance) can read broadly. “Klauzula wyłączeń grup towarowych” (cargo-group exclusion clause) decides the cargo. ADR classes I and VII, coal, live animals, cash and post-accident vehicles fall out unless a numbered clause with a sublimit and a deductible is present.

The international row reads “Europa z wyłączeniem Białorusi, Rosji, regionu Krymu, Zaporoża, Chersonia oraz obwodów: donieckiego i ługańskiego” (Europe excluding Belarus, Russia, Crimea, Zaporizhzhia, Kherson and the Donetsk and Luhansk regions). Some policies also name Moldova. A route through those places does not sit under the Europe heading. Compare loading and unloading points with that sentence, not with an EU map.

In “Przedmiot ubezpieczenia” (subject of insurance) Generali writes about damage “polegającej wyłącznie na utracie, ubytku lub uszkodzeniu przesyłki” (consisting solely of loss, shortage or damage of the consignment). Delay, delivery to the wrong person, a financial loss or a reefer breakdown need their own clause. Theft with break-in, robbery and hold-up are added in that paragraph. The other risks are not.

On the additional clauses look for “na jedno i wszystkie zdarzenia” (for one event and for all events). That limit shrinks after a payout. A PDF from the start of the period does not show how much limit is left. On clause 31 the all-events sum for DMC above 3.5 t is often different from the one-event sum.

The first page cites two documents: OWU for domestic road-carrier liability and OWU for international and cabotage liability, both resolution GNL/ob./4/8/2024 with annex no. 1. One OWU does not cover both scopes.

A document titled as freight-forwarder liability with an extension for a contractual carrier is not a full OCP policy. Read the title before you compare the sum.