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Case Study

Engineering Exporter Recovers USD 420,000 After Turkish Lira Crisis Triggers ECGC Political Risk Claim

Challenge

A Mumbai-based engineering goods exporter had supplied USD 420,000 of industrial valves to a Turkish manufacturing company on 90-day open account terms. The Turkish company had the funds in Turkish Lira but when they attempted to convert to USD for payment to the Indian exporter, the Turkish central bank imposed temporary restrictions on USD purchases by non-essential importers as part of a forex management emergency. The Turkish company was unable to pay despite having the local currency funds.

Solution

The exporter had taken ECGC Standard Policy for the Turkish buyer relationship at 0.25% premium per quarter (approximately USD 1,050 total premium for the USD 420,000 exposure). The transfer restriction constituted a political risk event under the ECGC Standard Policy definition. A claim was filed with ECGC within 30 days of the payment default with supporting documentation: the buyer' bank confirmation of transfer restriction, central bank circular imposing the restriction, and export documentation.

Outcome

ECGC claim approved under political risk provision at 90% coverage. ECGC payment: USD 378,000 (90% of USD 420,000). Turkish company subsequently paid the remaining USD 42,000 directly when restrictions were partially lifted 3 months later. Total recovery: USD 420,000 (100%) — ECGC recovered the USD 378,000 from the Turkish company as part of their standard recovery process.

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