AHA Prime LTD
Insurance & Liability Cover
AHA Prime Ltd maintains comprehensive business insurance to support our logistics operations.
Coverage Summary
The following figures represent our verified public-facing insurance cover.
Public Liability
£1,000,000
Protection for third-party injury or property damage claims arising from our operations.
Goods in Transit
£25,000
per vehicle
Cover for goods while being transported, subject to terms, conditions, and exclusions.
CMR Cover
£500,000
per vehicle
International road haulage liability cover under the CMR Convention framework.
Additional Details
Excess
£250
Per claim, payable by the customer where applicable
Policy Period
01 Apr 2026 – 31 Mar 2027
Current policy year
Understanding Our Cover
Public Liability
Public Liability insurance protects against claims made by third parties for injury or property damage caused by our business activities. This includes accidental damage to property we visit during collections or deliveries, and injury to members of the public arising from our operations.
Goods in Transit
Goods in Transit cover provides protection for items being transported by our vehicles. Cover applies while goods are in our care, custody, and control during the course of transit. All claims are subject to policy terms, conditions, limits, and exclusions. The cover does not extend to inherent vice, poor packing, or items not declared at booking.
CMR Cover
CMR (Convention on the Contract for the International Carriage of Goods by Road) cover applies to international road haulage movements. This standardised framework sets out carrier liability and claims procedures for cross-border consignments within signatory countries. CMR liability limits are calculated based on weight rather than declared value.
Claims Process
In the event of loss or damage, please follow these steps to ensure your claim can be processed:
Report Immediately
Notify us of any damage or loss within 24 hours of delivery
Document Evidence
Take photographs and retain all packaging and damaged items
Submit in Writing
Provide a written claim with details, photos, and proof of value
Claim Review
Claims are reviewed against policy terms and conditions
Exclusions & Limitations
The following are generally excluded from cover. This list is not exhaustive and all claims remain subject to full policy terms:
- •Items not properly packaged or secured by the customer
- •Undeclared, misdescribed, or incorrectly valued items
- •Consequential, indirect, or special losses
- •Loss or damage caused by inherent vice or natural deterioration
- •Items of extraordinary value not specifically agreed in writing
- •Damage arising from customer-provided packing materials
- •Electrical or mechanical derangement unless caused by transit damage
- •Items left in unattended vehicles
- •Delays, howsoever caused
Liability Limitations
Customer Responsibilities
- • Ensure all items are properly packed and secured
- • Declare the full and accurate value of items at booking
- • Disclose any fragile, valuable, or high-risk items
- • Inspect goods upon delivery and note any damage
- • Report issues immediately and in writing
Insurance Does Not Guarantee Claims
The existence of insurance cover does not automatically guarantee that any claim will be accepted or paid. All claims are assessed against policy terms, conditions, and exclusions. The insurer retains the right to decline claims that do not meet policy requirements, regardless of cover limits shown.
Legal Notice: All insurance cover is subject to the terms, conditions, exclusions, and limits of the applicable insurance policies. The information provided on this page is a summary for informational purposes only and does not constitute a contract or guarantee of cover. Actual cover may vary. For full policy details or to request certificates of insurance, please contact us directly.
Insurance Questions?
Contact us for insurance certificates, claims enquiries, or further information.
Contact Us