Traditional Culture Encyclopedia - Traditional culture - What is cargo transportation insurance and how to determine the amount of cargo transportation insurance?
What is cargo transportation insurance and how to determine the amount of cargo transportation insurance?
The insurance amount of domestic cargo transportation insurance is mainly determined by the method of fixed value insurance, that is, the insurance amount is determined by the insured and the insurer through specific negotiation. Generally, the insurance amount can be determined according to FOB, CIF and destination market price. 1.F.O.B The insured amount is the selling price of the goods at the place of departure, that is, the selling price of the consignor, and the buyer is the insured. In the event of an accident, the insurer shall be responsible for compensation according to the actual value of the insured goods at the place of departure, that is, the FOB price. 2.CIF (C.I.F) takes the selling price of the goods at the place of departure (the selling price of the consignor) plus various transportation and miscellaneous fees (such as packaging fees, freight charges, hoisting fees, etc. ) At the destination, add the insured price as the insured amount. Insured by the seller. 3.CIF plus future benefits, that is, the future benefits of the insured are added on the basis of CIF, that is, the statutory taxes payable according to law and the profits from the sale of goods at the destination. Domestic cargo transportation insurance takes the goods in the process of domestic transportation as the subject matter, and gives economic compensation when the subject matter encounters natural disasters or accidents. In the event of a disaster within the scope of insurance liability, domestic cargo transportation insurance should not only bear the direct loss of the insured property and the reasonable expenses incurred by taking rescue and protection measures to avoid the expansion of losses, but also bear the losses caused by the overall damage, leakage, packaging damage, theft and non-delivery of the goods during transportation, as well as the general average and rescue expenses that should be shared according to the general practice. Cargo transportation insurance should also bear the responsibility.
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