The 60-second version
Stowaway liability insurance covers legal liability from undetected persons on board — repatriation, immigration fines, and voyage delay — returning NRIs operating coastal feeders need cover before Indian port calls.
One stowaway can cost six figures in repatriation — P&I sub-limit may not cover immigration fines
Stowaway liability insurance responds when undetected person found on board triggers repatriation, immigration fine, or voyage delay at Indian port.
Returning NRIs operating Indian-flag coastal feeders calling Mumbai or Chennai need stowaway layer alongside PSC and crew manning policies.
PSC lane: port state control guide for detention layer.
Stowaway stack
| Policy | Covers | Does not cover |
|---|---|---|
| Stowaway liability | Repatriation + fine | Crew wages |
| P&I | Crew injury | Immigration fine cap |
| PSC liability | Detention cost | Stowaway repatriation |
| Crew manning | MLC wages | Hidden passenger |
Purchase flow
Trade route
High-risk ports.
Search SOP
Pre-sail check.
Get quotes
3+ insurers.
Bind policy
Before voyage.
Immigration liaison
Port agent.
Stack
Stowaway kit
- Search log.
- Policy schedule.
- Port agent contact.
- Immigration NOC.
- Claim hotline.
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Search discipline
Policy may exclude claims if pre-departure stowaway search log is incomplete — document hold inspection before every sailing.
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Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
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Turn this guide into a decision file
0 of 4 checked
vs P&I?
P&I may cover limited stowaway expense; standalone policy covers repatriation and immigration fines fully.
vs PSC?
PSC covers deficiency detention; stowaway covers hidden passenger repatriation cost.
GST?
18% GST on marine liability insurance premium.
Claim?
Preserve search log, immigration notice, and repatriation invoice within policy timeline.
Coastal?
DGS coastal licence vessels need stowaway search SOP for Indian port calls.
Limit?
Match per-incident cap to typical repatriation cost for route.
You've done the research. Now get the plan.
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