6. Cargo Insurance and Claims Policy

6.1 Why. Under Section 222 of the Insurance Act, 2021 (Act 1061), imported cargo must carry marine cargo insurance placed with an insurer licensed by the National Insurance Commission (NIC). The Ghana Revenue Authority enforces this from 1 October 2026. Every YenkoExpress consignment is insured under our policy with our insurer. You need no separate cover.

6.2 Cover. All-risks cover (Institute Cargo Clauses A or equivalent) from receipt at our UK hub to delivery in Ghana. Sum insured: goods value plus shipping plus 10%.

6.3 What it costs. Cargo insurance is included in your price. You pay no separate premium.

6.4 Not covered. Delay; inherent defect or ordinary wear; perishable goods; leakage from liquids or contents packed by the retailer; weak packing by the seller; prohibited items; goods seized by authorities; loss caused by the customer’s wilful act or false information; items with no proof of value.

6.5 Claim. Report visible damage on delivery or within 48 hours, and non-delivery within 30 days of the expected date. Send your order number, photos or video of the parcel and the unboxing, and your delivery code. Keep the item and packaging until the claim closes; we may refuse a claim if you dispose of or alter them before we can inspect.

6.6 Process. We acknowledge within 2 working days, file with the insurer and our partners, and aim to decide within 15 working days of a complete claim. Settlement follows clause 6.9, and we bear any insurer excess.

6.7 Escalation. After our internal process you may complain to the NIC complaints bureau.

6.8 Evidence. We give you the insurance certificate reference on request.

6.9 Valuation and salvage. We settle by repair, replacement with an equivalent item, or refund of the price paid, whichever is reasonable. You are not put in a better position than before the loss. Value is shown by our order record. Where we pay the full value for a damaged item, we or the insurer may take it as salvage; where it cannot reasonably be returned from Ghana, we may settle without taking it back.