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Specific Voyage Policy : A Voyage Policy covers the risks that may arise during a journey from specific place to another. The terms and conditions of the insurance are set out in the appropriate I.L.U. (Institute of London Underwriters) and other clauses. The clauses cover mainly the perils and risk covered under the policy as well as conditions related to the insurable value and claims.
According to the Indian Stamp Act, each policy must be stamped. The stamp duty is recoverable from the insured. For creating transferability, the policy is required to be assigned by blank endorsement by writing "for and on behalf of' followed by the name of the insured (e.g., exporting firm) and the signature of the director or partner.
The insurance policy comprises "MAR" Policy form, which contains no insurance conditions and the Institute Clauses (A, B or C and War and Strike Clauses) which contain insurance conditions. It must be noted that Duration Clauses, which provide warehouse-to-warehouse cover, are part of the Institute Cargo Clauses. Hence, unless specifically deleted, the warehouse-to-warehouse cover is deemed to be effective. In this way, Voyage Policy also becomes a Time Policy.
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POST-SHIPMENT FINANCE : It may be defined as "any loan or advance granted or any other credit provided by a bank to an exporter of goods from India from the date of extending the
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