How to check an InterRisk carrier liability policy

On the first page find the red square and the title “UBEZPIECZENIE ODPOWIEDZIALNOŚCI CYWILNEJ PRZEWOŹNIKA DROGOWEGO W RUCHU KRAJOWYM I MIĘDZYNARODOWYM ORAZ PRZEWOZACH KABOTAŻOWYCH” (road carrier liability in domestic and international traffic and in cabotage). That title is not proof that cabotage was bought. Cabotage is bought with IR 15, IR 16 or IR 17.

On the second page read “PRZEDMIOT UBEZPIECZENIA” (subject of insurance). The form cites the Civil Code, Prawo przewozowe (Polish transport law) for domestic hauls and the CMR Convention for international hauls. In “Podstawa zawarcia ubezpieczenia” (basis of the contract) check the OWU resolution. This form prints resolution no. 05/06/07/2021 from 1 August 2021.

Find “UBEZPIECZAJĄCY” (policyholder) and “UBEZPIECZONY” (insured). The booking decision turns on the insured. Compare the full legal name, legal form, NIP and address with the contract and the current company record.

Copy “POLISA seria K NR” (series K policy number) exactly as printed in the header. Lower down you may see “kontynuacja polisy seria K nr” (continuation of a series K policy). That is the previous contract, not this policy number. Dates in “OKRES UBEZPIECZENIA” (period of insurance) must cover loading, the journey and the planned unloading.

In the footer check “Oryginał” (original) and the page count, on this form “1 z 7” (1 of 7). The annex with the full IR clause texts sits outside those seven pages. The first page alone does not finish the reading.

In “ZAKRES TERYTORIALNY” (territorial scope) read the whole sentence, not the word EUROPA alone. On this form international traffic is Europe excluding Russia, Belarus and Ukraine and also Armenia, Azerbaijan, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan and Uzbekistan. The word “oraz” (and) adds more exclusions, not countries inside the scope.

In “SUMY GWARANCYJNE” (sums insured) the first row can say “OCPD w ruchu krajowym i międzynarodowym na jeden i wszystkie wypadki” (domestic and international carrier liability for one event and for all events). That sum shrinks after a payout. Do not copy it onto IR 16. IR 16 prints “na jeden wypadek” (per event) and “na wszystkie wypadki” (for all events) as two amounts.

In “FRANSZYZA REDUKCYJNA” (deductible) each line has its own amount: domestic, international, EU cabotage and German cabotage. Next to IR 24 also read “MOP” (parking in a guarded lorry park).

Open “KLAUZULE DODATKOWE” (additional clauses), then “POSTANOWIENIA DODATKOWE DO PRODUKTU” (additional product provisions). On this series K form the exclusion list repeats §4 ust. 3 of the OWU: ADR class I and VII, animals, remains, damaged goods, cars, relocation property, valuables, waste, oversize cargo, medical products and postal consignments outside Prawo przewozowe or CMR.

Below that find “Zakres ubezpieczenia obejmuje” (the cover includes). Medicines enter only with the line “z zastrzeżeniem wyłączenia §4 ust. 3 pkt. 10 OWU włączone Leki i farmaceutyki” (subject to the §4(3)(10) exclusion, medicines and pharmaceuticals are included) and with a sublimit. Cars enter only when a clause “modyfikuje zapis §4 ust. 3 pkt 4)5) OWU” (modifies §4(3) points 4 and 5).

If your file also prints “RODZAJ PRZEWOŻONYCH ŁADUNKÓW” (type of goods carried), read that field the same way. A named list is not all-risk cover.

This series K form has no “Nr rej.” (registration no.) list. In the IR 16 annex find “dopuszczalnej masie całkowitej (DMC) pow. 3,5 t” (permissible total mass above 3.5 t) and the sentence “Podstawę naliczenia składki stanowi liczba pojazdów” (the premium is based on the number of vehicles). German cabotage is tied to DMC and vehicle count, not to a plate printed on the policy.

If the policy prints IR 15, that is German cabotage for vehicles up to 3.5 t. IR 16 does not cover the same set.

InterRisk has no public OCP search by number. Open interrisk.pl/formularze-online and use the block “Inne zgłoszenie” (other request). Find a branch on interrisk.pl/znajdz-placowke. Do not use a phone number that appears only in the carrier’s email.

In the OWU block check the resolution. This form prints 05/06/07/2021. Missing pages with the IR clauses or a missing IR 16 annex change the reading of the whole scope.

In “KLAUZULE DODATKOWE” (additional clauses) find “IR 17 Klauzula odpowiedzialności cywilnej Przewoźnika drogowego w ruchu kabotażowym na terenie państw – członków Unii Europejskiej z wyłączeniem Republiki Federalnej Niemiec” (IR 17 road-carrier liability for cabotage in EU member states excluding the Federal Republic of Germany).

Read the EUR sublimit “na jeden i wszystkie wypadki” (for one event and for all events). The domestic-plus-international sum does not replace that row. IR 17 ends with the Germany exclusion. The EU deductible line can add Sweden, Switzerland and Norway, still excluding Germany.

Find the rows “OCPD w przewozach kabotażowych na terenie Niemiec dla pojazdów o DMC pow. 3,5t” (carrier liability for cabotage in Germany for vehicles above 3.5 t DMC) and the note “zgodnie z klauzulą IR 16” (under clause IR 16). IR 16 has two amounts: per event and for all events. When the aggregate limit is used up, cover ends.

IR 15 is German cabotage up to 3.5 t. Do not copy the IR 16 sum onto a vehicle at or under 3.5 t DMC. Territory in this block is Germany. The legal basis is cabotage under Regulation 1072/2009, not the CMR Convention alone.

The first SUMY GWARANCYJNE row can say “na jeden i wszystkie wypadki” (for one event and for all events). That is per event and for the whole period at once. After a payout, less remains. A PDF from the start of the period does not show what is left.

IR 16 splits those two limits. Do not read both blocks with the same formula.

The list in POSTANOWIENIA DODATKOWE DO PRODUKTU is a set of exclusions. Medicines return only with the sentence about §4 ust. 3 pkt 10 and a sublimit. Vehicles return only with a modification of §4 ust. 3 pkt 4)5).

ADR class I and VII stay out even when a later line says “przewóz towarów niebezpiecznych (ADR z wyłączeniem klasy I i VII)” (carriage of dangerous goods, ADR excluding class I and VII).

In FRANSZYZA REDUKCYJNA find “(IR 24) Klauzula rozszerzenia ochrony ubezpieczeniowej o ryzyko postoju poza Miejscem strzeżonym” (IR 24 extension for parking outside a guarded place). The base amount and the line “MOP 10 % wartości szkody nie mniej niż 500 EURO” (MOP 10% of the loss, not less than 500 euro) are not the same.

Without IR 24, parking outside a guarded place can fall outside cover. The clause name on the KLAUZULE DODATKOWE list does not finish the deductible check.

The sentence “EUROPA z wyłączeniem Rosji, Białorusi i Ukrainy oraz Armenii, Azerbejdżanu, Gruzji, Kazachstanu, Kirgistanu, Mołdawii, Tadżykistanu, Turkmenistanu i Uzbekistanu” (Europe excluding Russia, Belarus and Ukraine and also Armenia, Azerbaijan, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan and Uzbekistan) drops the whole list. A route through Kazakhstan or Moldova does not enter the word Europe in that row.