Flycovr help
Frequently Asked Questions
Frequently Asked Questions
How do I partner with Flycovr to provide instant digital insurance solutions to my customers?
We love to hear from commercial partners that we can partner with to deploy best-in-class digitial insurance products (either jointly branded or white labelled) to your customers. Use the Contact Us form or go to the Partnering with Flycovr page to find more infomation.
How do I integrate my platform with flycovr to earn marketing revenue?
If you have a digital platform then we can help you unlock hidden revenue without lifting a finger! Use the Contact Us form or go to the Integrate Flycovr into Your Platform page to find more infomation on how to earn marketing revenue through deploying our best-in-class digitial insurance products (either jointly branded or white labelled) to your customers.
I am an insurance underwriter or broker that would like to work with flycovr who can I speak to?
The Flycovr team is always excited to talk to new and exciting insurance providers that can help us on our mission of redefining how insurance (and other financial sevrices products) are bought and sold in our industry. For any enquiries please use the Contact Us form. We look forward to working with you!
Who do you represent and how do you make money?
The Flycovr team is always excited to talk to new and exciting insurance providers that can help us on our mission of redefining how insurance (and other financial sevrices products) are bought and sold in our industry. For any enquiries please use the Contact Us form. We look forward to working with you!
Frequently Asked Questions About Flycovr
Does Flycovr advise on insurances?
No, Flycovr Ltd, is an independent platform that is not regulated to advise on insurance by the Financial Conduct Authority. Flycovr acts as an introducer and connects customers with regulated advisers specific to your needs.
What does being “an introducer” mean and are Flycovr Ltd regulated by the Financial Conduct Authority?
Flycovr Ltd can obtain customer information and provide access to insurance products if the information is deemed suitable for that area of specialism for that regulated insurance adviser.
Under Chapter 5, of The Perimeter Guidance manual, within the FCA Handbook, Flycovr Ltd operates as an introducer or referrer, enabling the provision of information about a potential policyholder to a relevant insurer or an insurance intermediary. Our regulated and specialist broker partners will organise and underwrite all insurance policies. Flycovr Ltd does not provide or underwrite the insurance products purchased.
Who has access to my data?
Flycovr Ltd will have to provide the information provided by our customers to insurance advisers to be able to get you the correct advice required for the desired insurance products. Flycovr Ltd will not pass your information onto any other entities other than registered insurance providers within the Flycovr network.
Digital Insurance Questions
Do I need “All Risk” Insurance?
The answer is yes if you want to better protect against loss. And avoid exclusions.
Yes, if you want to have something that acts like spike/gap insurance, increasing limits—and in real-time.
Yes, if you want to be paid for the full invoice value of your load if you want the certificate holder in a “First Party Position” during the claims process, and if you want to protect against many threats not covered by carrier liability policies (too common to list here).
How long does it take to purchase Loadsure’s “All Risk” Policy?
The purchase of Loadsure’s All Risk Policy is simple and quick; it takes 40 seconds or less on Loadsure’s self-service portal, and coverage can be automated or purchased in one click through custom integrations and third-party platforms.
Does Loadsure’s policy cover Acts of God?
Yes.
Does Loadsure’s policy cover unattended vehicles?
Yes.
Does Loadsure’s policy cover loading and unloading?
Yes
Does Loadsure’s policy cover employee theft, fraudulent pick-up, and theft following the use of force or violence?
Yes.
Does your policy cover General Average?
Yes.
Does Loadsure’s policy cover riots, strikes, and civil unrest?
Yes.
Where am I covered geographically with this policy?
Loadsure’s policy covers U.S freight shipped domestically and internationally.
How long has Loadsure been around?
Loadsure was established in 2018 by a number of industry experts in both the North American transportation and insurance markets.
What is Loadsure’s financial rating?
Loadsure only uses “A” rated security to ensure a world-class insurance product.
Loadsure is an approved Lloyd’s of London Cover holder, which is currently underwritten by various syndicates at Lloyd’s.
Lloyd’s of London is the world’s largest specialist insurance market with its origin dating back more than 330 years.
Are Loadsure licensed to sell insurance?
Loadsure is a product which is offered and sold by Ursus Insurance Services, a producer entity licensed in all 50 states. Loadsure is also authorised and regulated by the FCA.
What if I want to cancel my policy?
As Loadsure provide instant coverage, Loadsure’s policy is non-cancellable once purchased.
What commodities are excluded under the Loadsure policy?
The following cargo interests are excluded under this contract and will not be covered:
- Excluding all other classes of business plus the following cargo interests and as per Loadsure FAQ’s Insurance Terms and Conditions Wording
- Cash & Financial Instruments: Documents, negotiable documents or instruments, monies of every description, securities, bonds, bullion, stamps, credit and debit cards, including telephone calling cards
- Temperature-Controlled products: Pharmaceuticals (other than FDA approved ‘over-the-counter’ pharmaceuticals which are not excluded), nutraceuticals (other than FDA approved ‘over-the-counter nutraceuticals which are not excluded), and narcotics/ narcotic-based substances, including but not limited to marijuana, CBD, and THC
- Luxury goods: Furs, precious stones, jewellery, high-value watches, perfumes, antiques and art, tobacco, or tobacco products
- Tech goods: Digital cameras, microchips, motherboards and/or memory of any kind which is not part of a complete system, mobile telephones, components, parts and accessories, digital camera photo sticks
- Live animals /plants: International transport of living creatures and life forms of any type and the domestic transport of non-livestock
- Other: Satellites, nuclear fuel, explosives, firearms, and ammunition
What perils are excluded under the Loadsure policy?
Loadsure’s policy excludes loss or damage, or expense caused by or resulting from:
Ordinary leakage, ordinary loss in weight or volume of the Subject Matter Insured
Ordinary wear and tear of the Subject Matter Insured
Inherent vice or the nature of the Subject Matter Insured
Contamination of the Subject Matter Insured unless as a direct result of a peril insured against
Delay
Making a Claim
How do I submit a claim?
Loadsure make the claims process simple and straightforward so you can be compensated for your loss without delay. In the unfortunate event of loss or damage to your goods which may involve a claim under this contract, immediate notice of such loss or damage should be provided to Loadsure as soon as possible so that we can act to assist you straight away.
A new claim can be reported by any of the following options:
1. To enable claims to be dealt with promptly, you or your agents are required to complete Loadsure’s electronic First Notice of Loss (EFNOL) form. Loadsure’s EFNOL can be found by logging in via Loadsure.net or Loadsure’s partner portal.
Following completion of the EFNOL, you will receive a notification from Loadsure to advise you of your unique claim reference number. A Loadsure agent will also advise whether a survey will be necessary to deliver helpful advice and determine whether further information and documentation are required to process your claim. If a survey is necessary, a Loadsure agent will make arrangements for the same through their local agent/ surveyor.
2. Call a Loadsure claims representative directly on the toll-free number +1 855-479-2069 or send an email to loadsure@wkwebster.com.
Documentation: To enable claims to be dealt with promptly, you or your agents are required to complete Loadsure’s electronic First Notice of Loss (EFNOL) form as per the above instruction, including submitting the following supporting documentation where necessary:
- Commercial invoice
- Packing list, if applicable
- Original bill of lading and/or consignment note and/or other documentation evidencing the contract of carriage
- Delivery receipts
- Police report, if applicable
- Fire report, if applicable
- Photographic evidence of your loss
How long does it take to receive the settlement of a claim?
Most claims will be settled and paid to you within days or even minutes, but as we all know, some claims can be complex and require further investigation. In these difficult cases, the final settlement may be slightly longer to enable all claims agents to fully assess and reconcile your claims payment.
How will I get paid for a claim?
Claim settlements will be processed by Loadsure’s agent, WK Webster. Payments can be received either through ACH or Electronic Check through Loadsure’s instant payment system.
Flycovr help
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