Annual policy is granted in respect of goods belonging to the Assured and or held in trust by the assured and not under contract of sale and or purchase which are in transit by road or rail from specified depots /processing units to other specified depots /processing units. Important features of Annual Policy are-
- Insurable interest to remain with insured
- Policy not assignable or transferable
- Issue of Annual policy to transport operators/contractors, clearing and forwarding agents
- Prohibited Policy is subject to the condition of average