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<p>any problem will effect to claim insurance amount for discrepant documents.</p>
I think in case of damage to shipment or container first insurance company will see the INCO terms based on INCO terms and also see the clause in shipping line WARSAW convention.
based on my experience i did fist POD survey irrespective of the shipment moved thru LC or non LC in case of damage. The survey is jointly conducted with Shipping line or vessel operator and captain or representative of captain at Destination and based on the report we made the claim accordingly with insurance co and got approved.
If discrepant documents submitted in L/C, it effects the payment terms but it is mandatory to either side do the insurance coverage. it is suggested that consignee of the goods must arrange the insurance because he is in good position to justify the quantum of loss if happened, unfortunately. Insurance is totally different issue as it ensure the payment if documents submitted without discrepancy. However, if goods are okay to accept than discrepancy documents can be accepted so better is to cover the marine risk by consignee.
In this case the supplier is responsible for any damage or accident will occur to the goods .
the best of the insurance company to do is to return to the insured the initial premium charged for the insurance coverage in respect of this goods. i.e100% premium refund.
very best regards.
If the discrepancy is related to shipping terms in LC, than insurance company will give tough time to release claim for accident or damage.
