The R-Zone Cargo Insurance Plan: Protect Your Shipment to Nigeria in 2026
Peace of mind for a small percentage of your cargo's value. Here is how R-Zone's insurance plan works, what it protects, how to value your goods, and how to add cover when you book.
The gap you did not know about
Why Your Shipping Price Is Not Insurance
Your freight price covers moving the cargo: documentation, transit, Nigeria customs clearance and delivery. What it does not do is guarantee the value of your goods. International conventions cap a carrier's liability at a fixed amount per kilogram, and only where the carrier is at fault, which is usually a small fraction of what your cargo is really worth.
In plain terms: a 20kg box of electronics worth £1,500 might attract carrier compensation of only around £40 if it were lost at sea. The R-Zone insurance plan is what covers the rest.
What you get
What the Plan Protects
Accidental loss or damage
Physical loss or damage in transit from external causes, on both air and sea freight.
Warehouse to warehouse
Cover runs from the moment your cargo leaves, through transit and customs, to arrival at destination.
General Average contributions
If the vessel declares General Average, the policy responds so your cargo is not held for a bond.
Air and sea shipments
The same plan protects express air freight and economical sea freight bookings alike.
Declare the right amount
How to Value Your Cargo, and What Is Excluded
The CIF + 10% rule
Declare the cost of the goods, plus insurance and freight, plus 10 percent. Example: £2,000 of goods with £300 freight is declared at about £2,530, so a total loss leaves you no worse off. Under-declaring to save a little premium is the most common and most expensive mistake.
What is not covered
- Inadequate or unsuitable packing
- Inherent vice (the nature of the goods)
- Ordinary wear, leakage or loss in weight
- Financial loss caused purely by delay
- War and strikes unless clauses are added
- Prohibited or illegal goods
Takes one sentence
How to Add Cover to Your Booking
Request your quote
Tell us what you are sending and ask for insurance at the same time.
Declare your value
Give us the value of the goods, ideally CIF plus 10 percent, so cover matches the real exposure.
We confirm the premium
The exact premium appears on your quote before you pay. No surprises, no small print.
Ship with cover in place
Your shipment travels protected warehouse to warehouse, on air or sea.
Backed by a real track record
Why Insure Through R-Zone
120+ five star reviews
One of the highest rated UK to Nigeria cargo companies on Google.
12+ years of experience
Shipping the UK to Nigeria corridor since 2012, with 50,000+ shipments delivered.
Own teams in UK and Lagos
We handle collection, customs and delivery ourselves, and help you file any claim.
Transparent pricing
All-inclusive freight quotes, with the insurance premium shown separately and clearly.
Everything you need to know
Cargo Insurance Plan FAQs
What does the R-Zone cargo insurance plan cover?
R-Zone arranges marine transit cover that protects your shipment against accidental loss or damage in transit, warehouse to warehouse, on both air and sea freight. You declare the value of your goods and cover is arranged for that amount, so a loss is reimbursed at the insured value rather than the very low carrier liability cap.
How do I add insurance to my R-Zone booking?
Just say so when you request your quote and declare the value of your goods. We add cover to your booking and confirm the exact premium on your quote before you pay, so there are no surprises.
How much does the insurance cost?
The premium is a small percentage of the value you declare, and it is confirmed on your quote before you commit. Because it is calculated on your declared value, a modest shipment costs very little to cover compared with the loss you would carry uninsured.
How much should I declare my goods for?
The market standard is CIF plus 10 percent: the cost of the goods, plus insurance and freight, plus a 10 percent margin for incidental costs. For example £2,000 of goods with £300 freight would be declared at about £2,530, so a total loss leaves you no worse off.
Is insurance included in my shipping price automatically?
No. Shipping and insurance are separate. Your freight quote covers documentation, transit, Nigeria customs clearance and delivery. Insurance is an optional add-on that you request and declare a value for, which is why we always ask whether you want cover.
What is not covered?
Standard marine exclusions apply: inadequate or unsuitable packing, inherent vice (the nature of the goods themselves), ordinary wear and leakage, loss caused purely by delay, and war or strikes unless those clauses are added. Prohibited or illegal goods are never covered.
What do I do if something is damaged?
Note any visible damage on the delivery receipt before signing, keep all the packaging, photograph everything, and tell us as soon as possible. We help you gather the invoice, packing list and shipping documents and file the claim with the insurer.
Ship protected
Add cargo insurance to your next shipment
Declare your value and we will arrange transit cover warehouse to door, with the premium confirmed on your quote. Air from £5/kg, sea from £3/kg, door to door from £6/kg.