Transeuropa
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Specialty & International Cover
5 policies in this group

Specialty & International Cover

For risk that crosses borders or doesn't fit a standard policy: cargo at sea, high-value cargo that outgrows standard limits, programmes spanning several countries, high-value assets and one-off exposures that need a broker to build the cover around them.

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All 5 policies in this group

01 / 05

Marine & Cargo Insurance

Hull, cargo, and freight liability cover for shipping and logistics businesses trading across borders.

What's Covered

  • Cargo cover for goods in transit by sea, air, or land
  • Hull and machinery cover for vessel owners
  • Freight liability cover for carriers and forwarders
  • War and strikes extensions for higher-risk routes
  • High-value consignments moved onto specialist agreed-value cover where standard limits fall short

Who This Is For

Importers, exporters, freight forwarders, and vessel owners moving goods internationally, including shippers of high-value cargo.

Good to Know

Cover terms (Institute Cargo Clauses A, B, or C) materially change what's actually included. We make sure you know which one you're buying.

Usually Not Covered

  • Inherent vice or the nature of the goods themselves (e.g. natural spoilage)
  • Inadequate packing for the mode of transport used
  • War risks, unless specifically added by endorsement
02 / 05

High-Value Cargo Insurance

Specialist cover for valuable consignments (jewellery, precious metals, fine art, electronics, pharmaceuticals and luxury goods) moving by air, land or sea.

What's Covered

  • Agreed-value cover for consignments above standard cargo limits
  • Theft, hijacking and mysterious disappearance in transit
  • Security requirements agreed with the insurer up front (armoured transport, escorts, vaults)
  • Cover during transit storage, customs and airport or port warehouses
  • Door-to-door cover across air, road, sea and multimodal journeys

Who This Is For

Shippers of high-value cargo: jewellers, galleries and art dealers, electronics and pharmaceutical distributors, luxury brands and their logistics partners, whose consignments exceed what a standard cargo policy will carry.

Good to Know

Standard cargo policies often cap any single shipment or exclude theft of 'attractive' goods. High-value cargo is placed with specialist underwriters who set security conditions before shipping, so you know exactly what's needed for a claim to be paid.

Usually Not Covered

  • Losses where the agreed security conditions were not followed
  • Packing or concealment that isn't adequate for the goods' value
  • Delay or loss of market, unless specifically agreed
03 / 05

Multinational Insurance Programmes

Coordinated insurance programmes for businesses operating across multiple European jurisdictions.

What's Covered

  • A master policy coordinated across multiple countries
  • Locally admitted policies where required by local regulation
  • Consistent terms and claims handling across territories
  • Consolidated reporting across the whole programme

Who This Is For

Businesses operating in more than one country that want consistent cover and a single point of contact, rather than a patchwork of local policies.

Good to Know

Local admitted policies are often a legal requirement, not a nicety. We structure the programme so you stay compliant in every territory you operate in.

Usually Not Covered

  • Cover gaps where a local admitted policy wasn't arranged as legally required
  • Risks specifically carved out of the master policy wording
  • Currency and regulatory changes outside the programme's scope
04 / 05

High Net-Worth Cover

Bespoke home, valuables, and liability cover for clients with complex or high-value personal assets.

What's Covered

  • High-value buildings and contents cover, individually valued
  • Fine art, jewellery, and collectibles on an agreed-value basis
  • Personal liability cover at higher limits
  • Cover across multiple residences, including overseas properties

Who This Is For

Individuals whose home, valuables, or lifestyle risk fall outside what a standard personal lines policy is designed to cover properly.

Good to Know

Standard home insurers often cap single-item and total contents values well below what a high-value household actually needs. This is built specifically around that gap.

Usually Not Covered

  • Items not individually specified where the policy requires it
  • Depreciation in the value of collectibles or valuables over time
  • Deliberate damage or loss
05 / 05

Bespoke Risk Placement

For risks that don't fit a standard policy, we work directly with underwriters to place tailored cover.

What's Covered

  • Direct negotiation with specialist and niche underwriters
  • Cover structured around a specific, unusual, or emerging risk
  • Combination policies drawing on more than one class of insurance
  • Ongoing review as the risk itself evolves

Who This Is For

Businesses or individuals with a risk that a standard product genuinely wasn't designed for, and needs a policy built around it rather than squeezed into one.

Good to Know

This usually takes longer to place than standard cover, since it involves direct underwriter negotiation rather than an off-the-shelf quote.

Usually Not Covered

  • Aspects of the risk not specifically underwritten in the bespoke wording
  • Standard market exclusions, unless specifically bought back
  • Changes to the risk not notified to the underwriter

Documents You'll Need

Details of the property, cargo, or programme being covered, the territories or counterparties involved, and any existing valuations or schedules.

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Not Sure Which One You Need?

Tell us about your situation and a broker will point you to the right cover, or combine several into one programme.