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Insurance and bills

Insurance and bills

Insurance is a separate, optional line. The papers are not optional: you get every one of them, every move.

Transit insurance

2.5% of the value you declare, plus GST

Goods declared at ₹4,00,000: the premium is ₹10,000, plus GST, as its own line on the quote.

You can say no. Without it, the quote is the same minus that line.

Insurer: A general insurer of your choice, or the policy we arrange through a licensed insurance broker (sample)

It covers

  • The truck meeting with an accident, overturning or catching fire
  • Theft of the whole consignment, or of packages from it
  • Breakage of goods we packed, when the carton shows damage
  • Damage from rain or flood in transit

It does not cover

  • Things you packed yourself
  • An appliance that stops working with no outside damage (for example a TV that won't switch on)
  • Small scratches and dents on furniture
  • Jewellery, cash, documents and other valuables: carry these yourself
  • Delay
  • Food, plants and anything that spoils

Without insurance, the law limits what a carrier owes for a loss to ten times the freight, and never more than the value you declared (Carriage by Road Rules, 2011). That is why we offer insurance, and why we always ask you to declare a value.

Making a claim

  1. At delivery, open the cartons in front of our team and write any damage on the delivery receipt before signing.
  2. Take photos of the damage and of the carton it came in.
  3. Tell us within 7 days, by phone or email, with the photos and your LR number.
  4. If you took insurance, we file the claim with the insurer, who sends a surveyor; we stay with you until it is settled.
  5. If you didn't, we settle with you directly under our liability. Under the Carriage by Road Act, written notice must reach us within 180 days of booking.
  6. Not happy with how we handled it? Call the National Consumer Helpline, 1915.

Claims are handled by Sunanda Wankhede (sample), Claims and complaints: 98765 43210, claims@meelpathar.example.com.

Your papers

Keep them until any claim is settled. Every one carries our name, our GSTIN and our official number.

  1. 01

    Written quote

    After the survey

    The price, line by line. It is the price you pay unless you add things.

    • Every line of the price
    • GST, shown separately
    • Insurance, if you asked for it, as its own line
    • Our GSTIN

  2. 02

    Packing list

    On packing day

    Every carton and item, numbered. Delivery is checked against it.

    • Carton numbers and what is in each
    • Big items one by one
    • Your signature and ours

  3. 03

    Declared value form

    On packing day

    The value you put on your goods. Insurance and our liability are worked out from it.

    • The total value you declare
    • High-value items listed on their own

  4. 04

    Lorry receipt (LR)

    At loading

    The legal receipt for your goods, also called a consignment note or bilty. The original copy is yours.

    • LR number and date
    • From and to
    • Truck number
    • Number of packages
    • Declared value and whose risk
    • Our GSTIN and registration

  5. 05

    GST invoice

    On delivery

    The tax invoice in our legal name. Employers and claims need it.

    • Our legal name and GSTIN
    • Your name and both addresses
    • Each charge, the GST rate and amount
    • The total paid

  6. 06

    Insurance certificate

    At loading, if you took insurance

    The insurer's certificate for your consignment.

    • The insurer's name
    • Certificate number
    • Sum insured
    • What is covered

The GSTIN on your invoice must be one of ours

Head office, Maharashtra: 27SAMXL0000S1ZLCheck it on the GST portalThe legal name there must read: Meelpathar Logistics Private Limited (sample)

Every branch's GSTIN

About "IBA approved"

The Indian Banks' Association keeps a list of recommended transport operators, mostly so bank staff being transferred can claim their moving costs. Each listing has a code and a 'valid till' date, and the list is published on the IBA's own website. Many movers say 'IBA approved' without being on it: if a mover says so, ask for the code and check it there.

We are not on the Indian Banks' Association's list of approved transporters, so we don't say we are. If your employer or bank needs an IBA-approved mover's bill, tell us before the survey and we'll say honestly whether our GST invoice will do.

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