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Deductible
A deductible in a marine insurance policy is similar to an Excess. Basically it is a sum, usually a fixed or agreed amount or, in some cases, a percentage of the goods in value or weight, which is deducted from any settlement and which is, in the main, used to stop a torrent of claims for very minor amounts.
Although the deductible may be fixed, you may be able to negotiate a higher deductible which would reduce the premium, although at the cost of an increase
Coverage
It occurs a great many times that, upon delivery of goods, damage is found to have been sustained and, when a claim is submitted under the marine insurance policy, it is rejected by insurers. Contrary to popular belief, however, rejection is not the automatic knee-jerk response by all insurers to all claims, but if the claim is considered to fall outside the scope of policy cover, in 99.99% of cases, it will be rejected.
It pays, therefore, to know what events
If you've been living in Thailand for more than just a brief time, you will, no doubt, have accumulated some items, which you may wish to take back home with you, if and when you leave.
In doing so, there are many companies which specialise in repatriation of personal effects, and they'll do everything for you including packing all your goods, loading them into shipping containers and preparing all the export documents on your behalf, even arranging insurance to protect your goods
My beautiful cat that is...
Likes exhaustive computer games, Youtube, rubbing against my legs when I'm having a poo and Taro snacks at midnight.
Lots of peeps took piccies, but here's my usual collection of phone snaps
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