As in seller’s interest this too is a contingent cover. In protects only the interest of the buyer, following a loss or damage to the cargo insured, which as per terms of sale, he is not obliged to insured. In a shipment on FOB/C & F/FCA or other similar terms where the buyer is not responsive to insured the whole or part of the inland transit before FOB point. Under buyer’s interest he may still insured on contingent basis. This will not amount to double insurance and the existence of this insurance is not to be made known to the seller or his insurers. If a buyer has suffered a monetary loss (in case of advance payment) as a result of loss or damage before the “risk transfer point” and the seller or his insurers refuse to pay the claim, buyer can have recourse to this insurance. Subrogation applies. This insurance will operate as “Difference in Conditions” in case of CIF contracts where the seller is obliged to arrange insurance. If any claim is not recoverable under Seller‘s Insurance policy, due to restricted coverage/absence of coverage, the claim can be made under the buyer’s insurance clause.