EXIMYug / CASE STUDIES / CASE 08
CASE 08 · Marine cargo insurance claim

Marine cargo claim disputed on causation and survey evidence

A Client · Food-products exporter · Europe. Cargo was damaged, but the dispute was whether the policy actually responded to the loss.

THE CHALLENGE

Marine cargo insurance claim

Cargo was damaged, but the dispute was whether the policy actually responded to the loss.

VALUE / EXPOSURE₹31 L
EXPECTED TIMELINE60–150 days
MARKETEurope

Constraints

  • Damage discovered across handover points
  • Survey, packing and transport evidence needed chronology
  • Policy exclusions and causation were contested
  • Salvage/mitigation duties affected the file
MEASUREMENT

KPIs that determine whether the case is moving

KPI 01Evidence completeness
KPI 02₹ claim supported
KPI 03Days to complete file
KPI 04Open insurer queries
NORTH STAR METRIC₹ insured loss supported by a complete causation and evidence record
EXPECTED JOURNEY

From problem statement to verified end state

01

Reconstruct

Reconstruct shipment and damage chronology

02

Map

Map policy cover/exclusions to event facts

03

Collect

Collect survey, packing, transport and mitigation evidence

04

Prepare

Prepare insurer representation/claim response

05

Track

Track decision and escalation

SOLUTION DESIGN

What EXIMYug does

A causation-and-evidence map separates physical loss facts, policy wording, survey findings and mitigation actions into a decision-ready file.

01 · OUTCOMES

Operational outcomes

  • Evidence gaps surfaced early
  • Policy issues separated from factual issues
  • Insurer query response pack organized
  • Future packing/survey controls added
02 · GOVERNMENT COMPLIANCE

Government workflow

Export/shipping records and any commodity-specific compliance remain part of the evidence trail.

03 · REGULATORY

Regulatory considerations

Marine policy terms, survey requirements, notification and mitigation obligations.

04 · LEGAL

Legal / authority boundary

Coverage disputes turn on policy wording and causation; independent insurance/legal expertise may be required for formal dispute.

END EXECUTION PLAN

Owner-driven execution, not an advisory report

01Chronology

Reconstruct shipment and damage chronology

02Policy

Map policy cover/exclusions to event facts

03Evidence

Collect survey, packing, transport and mitigation evidence

04Claim

Prepare insurer representation/claim response

05Escalate

Track decision and escalation

END STATE + IMPACT

₹ insured loss supported by a complete causation and evidence record

The case is managed toward a measurable end state, with unresolved authority decisions explicitly separated from work EXIMYug can execute or coordinate.

IMPACT 01Faster claim-file readiness
IMPACT 02Reduced avoidable evidence gaps
IMPACT 03Stronger preventive cargo documentation

Case outcome values describe the operating end-state model and measurement framework; actual recoveries, approvals and timelines depend on transaction evidence and decisions by the relevant buyer, bank, insurer, carrier or authority.

Facing this type of export problem?

Start with the transaction, evidence, amount at stake and current blocker.

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