The difference between land insurance and marine insurance

Import and export freight terms are generally applicable to sea transportation, and land transportation is generally domestic road transportation, which can be basically understood as different concepts.

Shipping generally has shipping safety insurance, water damage insurance, all risks, the scope of insurance liability from small to large, but also attached to pick up the goods without additional insurance.

Land transportation is generally domestic water and land transportation insurance, divided into basic insurance and comprehensive insurance, can be attached to theft, insurance liability is relatively simple.

Marine insurance is an insurance purchased for the safe arrival of sea transportation, mainly to protect the safety of goods in sea transportation, because some marine transportation will suffer from many uncertain factors, such as tsunami and sea wind, etc., so marine insurance is still very important for marine transportation. <>

Marine insurance is generally purchased by the carrier, or it can be purchased separately by the entrusting party according to needs, and marine insurance is divided into basic insurance and additional insurance. Adhering to the principle of timely, reasonable, and contract-based underallocation, Buy-Shipping Insurance provides compensation for the insured. In the process of goods going to sea, there are usually many uncertain factors, and marine insurance can reduce losses for enterprises to a certain extent.

The risk of transportation of goods by sea is divided into sea risk and external risk. Maritime risks include natural disasters and accidents, natural disasters refer to the harsh marine climate, such as lightning, floods, drift ice, tsunamis, tsunamis, and other irresistible disasters and accidents, as well as major accidents with obvious marine characteristics. External RisksRisks other than marine risks are divided into general external risks and specialized risks, general external risks refer to theft, I am a transported object, there is a phenomenon of broken leakage, if it is the food at the beginning of the month, there may be a cross-smell.

The insured should also fulfill the obligations of the insured in accordance with the regulations of the insurance company, and the insurance company has the right to refuse to compensate if the insured fails to perform its obligations and causes losses to the insured. When the insured goods arrive at the destination, the insured should pick up the goods in time. If it is found that the insured goods have suffered damage, they should immediately apply to the claimant on the insurance policy for inspection.

Moreover, marine insurance claims are time-sensitive, and they cannot exceed two years from the time the insured goods are unloaded to the time when they all leave the post, which means that if the goods are found to have lost after more than two years, they cannot be compensated.

Generally, you can directly contact the goods ** to buy, generally when buying marine insurance, you should forecast the departure time, but also report the draft of the policy, and find that there are some goods damage when you must report the insurance in time.

Hello dear! Questions.

What insurance to buy by sea from Guangzhou to Hamburg, Germany.

There are three types of marine insurance: safety insurance, water damage insurance and all risks. Ping An insurance covers all or part of the loss of goods due to an accident on the means of transport. Water damage insurance covers partial loss of goods transported due to natural disasters.

In addition to the above two types of liability, the scope of liability of all risks also needs to bear all or part of the loss of the goods due to external injuries during transportation.

Questions. Do you want to buy war insurance?

Not necessarily. Kiss.

Generally, you can buy it on Alipay, and you can buy it at the bank, so the way to buy is very good, and it is also very good.

1. Enrollment time.

It should be purchased before it is properly opened.

2. Absolute deductible.

When signing the contract, the policyholder should pay attention to this agreement.

3. Insufficient insurance.

When applying for insurance, it is recommended to try to insure in full and fill in according to the actual invoice amount in order to protect the maximum interests.

4. Purchase "warehouse-to-warehouse" terms.

5. Be sure to read the relevant terms clearly.

At this time, you can go to the insurance company for consultation, and then choose a professional insurance program according to your own needs, and then you can also listen to the recommendations of these staff.

There are 3 differences between ship insurance and marine cargo transportation insuranceThe details are as follows:

First, the characteristics of the two are different:

1. Characteristics of ship insurance: It covers the dangers of the whole process from the construction and launching of the ship to the operation and berthing of the ship to the final scrapping and dismantling. Covers hulls, machinery, equipment, fuel, supplies and related interests, expenses and liabilities.

2. Characteristics of marine cargo transportation insurance: the business style, management level and reputation of the ship owner have a direct impact on the safety of the ship. The dangers are relatively concentrated, and large indemnities often occur.

2. The essence of the two is different:

1. The essence of ship insurance: insurance with various types of ships as the subject of insurance.

2. The essence of marine cargo transportation insurance: the insurance that takes the goods transported by sea as the subject of insurance, and bears the liability for compensation for economic losses caused by natural disasters and accidents during the transportation of goods.

Third, the scope of the two is different:

1. Scope of ship insurance: to protect the material loss of the ship; All property belonging to the ship itself and attached to the ship and owned by the shipowner is included in the guarantee. to protect the relevant interests of the ship; The loss of various interests suffered by the insured due to the suspension or repair of the ship due to the occurrence of an accident is included in the insurance.

In the event of a ship collision, the shipowner or bareboat charterer shall bear the economic compensation liability for property damage or personal injury caused to a third party in accordance with the law. For example, damage caused by collision, liability for oil pollution, liability for clearing shipping lanes, and liability for salvaging sunken ships.

2. Scope of marine cargo transportation insurance: This insurance is divided into three types: safety insurance, water damage insurance and all risks. In the event of loss of the insured goods, this insurance shall be liable for compensation in accordance with the provisions of the insurance policy that underwrite the insurance.

Hello! 1. The basic insurance of marine freight insurance mainly includes: three basic risks, namely safety insurance, water damage insurance and all risks.

Ping An Insurance Liability:

1.The insured goods are in transit due to severe weather, lightning, tsunami, **, flood natural disasters.

Resulting in a total loss or constructive total loss of the entire shipment.

2.Total or partial loss of cargo due to grounding, aground, sinking, collision, collision with drift ice or other objects, fire, accident caused by the means of transport.

3.In the case that the means of transport has been stranded, hit the reef, sunk, and burned accidents, the goods have suffered some losses caused by natural disasters such as bad weather, lightning, and tsunami at sea before and after.

4.Total or partial loss caused by one or more pieces of the entire cargo falling overboard during loading, unloading or transshipment.

5.The reasonable expenses paid by the insured for taking measures to rescue, prevent or reduce damage to the goods subject to the dangers covered by the insurance, but not exceeding the insured amount of the rescued goods.

Limited. 6.Losses caused by unloading at ports of refuge after shipwreck, and special expenses incurred for unloading, warehousing, and transportation of goods at ports of refuge or ports of refuge.

7.Sacrifice, apportionment and salvage costs of general average.

8.The contract of carriage contains a clause on "liability for collision between ships", according to which the merchant shall reimburse the ship's loss.

Water damage insurance (plywood.

Used equipment, chemicals, hardware).

In addition to the above safety insurance liabilities, this insurance is also responsible for part of the loss of the insured goods due to severe weather, lightning, tsunami, **, flood natural disasters.

All risks (all general cargo).

In addition to the above liabilities including safety insurance and water damage insurance, this insurance is also responsible for all or part of the loss of the insured goods due to external causes in transit.

2. According to the different risks underwritten, the additional insurance of marine cargo transportation insurance is divided into general additional insurance, special additional insurance and special additional insurance.

There are 11 types of general additional risks for marine cargo transportation insurance: theft, delivery of goods, fresh water and rain insurance, short amount insurance, mixed and stained insurance, leakage insurance, collision damage, broken insurance, cross-smell insurance, hook damage insurance, moisture and heat insurance, packaging rupture insurance, rust damage insurance. These 11 general riders can be added when the basic insurance is Ping An or Water Damage, but not when all risks are insured, as the insurance coverage of all risks already includes the above 11 additional risks.

Special additional risks of marine cargo insurance include: non-delivery insurance, import duty insurance, deck insurance, rejection insurance, aflatoxin insurance, and extended liability provisions for fire insurance for goods exported to Hong Kong (including Kowloon) or Macau.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

China's marine cargo insurance is divided into two categories: basic insurance and additional insurance.

The coverage of Ping An Insurance is as follows:

1. The insured goods have suffered a total loss or presumed total loss of the entire batch of goods due to natural disasters such as bad weather, lightning, tsunami, flood, etc.;

2. All or part of the loss of the goods due to the means of transport being stranded, hit by rocks, sinking, colliding with drift ice or other objects, as well as fire, ** and other accidents;

3. In the case that the means of transport has been stranded, hit the reef, sunk or burned in an accident, and the goods have suffered some losses caused by natural disasters such as bad weather, lightning and tsunami at sea before and after this time;

4. All or part of the loss caused by one or more pieces of goods falling into the sea during loading, unloading or transshipment;

5. The reasonable expenses paid by the insured for taking measures to rescue, prevent or reduce the damage of the goods that are subject to the danger within the insurance liability, but not more than the insured amount of the rescued goods;

6. Losses caused by unloading at the port of refuge after the means of transport is shipwrecked, and special expenses incurred due to unloading, storage and transportation of goods at the port of refuge or port of refuge;

7. Sacrifice, apportionment and salvage costs of common seafarers;

8. The contract of carriage contains a clause of "liability for collision between ships", according to which the cargo shall reimburse the ship's losses.

Legal basisArticle 842 of the Civil Code of the People's Republic of China.

If the damage or loss of goods occurs in a certain transport segment of multimodal transport, the liability and liability limits of the multimodal transport operator shall be governed by the relevant legal provisions on adjusting the mode of transport in that section; If the transportation section of the damage or loss of goods cannot be determined, the liability for compensation shall be borne in accordance with the provisions of this Chapter.