Question

It is a condition of ocean marine cargo policies that goods must take the most direct route to their destination. While traveling along the coast of Africa, a storm at sea caused the captain to deviate from his route. While approaching shore, the ship struck a reef and sank. State whether the loss to insured cargo is ...

A) Covered
B) Not Covered

Answer 1

Coverage of the lost cargo due to the ship deviating from its route because of a storm depends on the specific conditions of the ocean marine cargo policy.

Step-by-step explanation:

When it comes to ocean marine cargo policies and the coverage of loss during transit, it's pertinent to consider the specifics of the policy conditions. Typically, these policies require that goods must take the most direct route to their destination. In the scenario provided, the captain was forced to deviate from his planned route due to a storm, which ultimately led to the ship striking a reef and sinking.

Despite the deviation being unintended and caused by a storm, it's essential to determine whether the policy has provisions for such forced deviations. If the policy includes a clause that allows for deviations in the course of navigation due to unavoidable circumstances like storms, the loss of the insured cargo may be covered. Conversely, if no such provision exists, the loss may not be covered because the direct route was not maintained. It is critical to review the policy documents to understand the coverage specifics.