What is the difference between Ping An Insurance and Water Damage Insurance, and what is the scope o

Water damage insurance = Ping An insurance + individual average; All risks = water damage + 11 general riders.

Ping An Insurance. Ping An insurance is a separate average and does not pay. Covers the total loss of the entire shipment of the insured goods due to natural disasters such as severe weather, lightning, tsunami, **, flood, etc.

All or part of the loss of goods caused by accidents such as stranding of means of transport, landing, sinking, collision, fire, **; Part of the losses caused by natural disasters such as bad weather at sea before and after the occurrence of the above-mentioned accidents; Total or partial loss caused by one or more pieces of cargo falling into the sea during loading and unloading; reasonable expenses incurred by the insured to salvage the goods, etc.

Water damage insurance. In addition to the responsibilities of the above "Ping An Insurance", the liability scope of water damage insurance is also responsible for part of the losses caused by natural disasters such as severe weather, lightning, tsunamis, floods, etc.

All risks. In addition to all the liabilities listed above "Ping An Insurance" and "Water Damage Insurance", the scope of liability of all risks also includes the loss of the insured goods caused by various external reasons during the transportation of the goods. Regardless of total loss or partial loss, the insurance company will compensate for certain goods consumed in transit, except for the deductible odds specified in the insurance policy as agreed between the insurance company and the insured.

11 types of general riders:1Theft, pick-up without risk clause; 2.

Freshwater rain insurance clause; 3.short-term insurance provisions; 4.Mixed and contamination insurance clauses; 5.

Leakage insurance clauses; 6.damage and breakage insurance clauses; 7.cross-taste insurance clauses; 8.

Moisture and heat insurance provisions; 9.Hook Loss Insurance Clauses; 10.Package breakage insurance clauses; 11. Rust damage insurance clauses.

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

The scope of liability of all risks, safety insurance, and water damage insurance is: water damage insurance is equal to safety insurance + separate average: all risks = water damage insurance + 11 general additional insurances, and the liability scope of all risks includes all responsibilities of safety insurance and water damage insurance, and also includes the loss of insured goods caused by various external reasons during the transportation of goods.

The specific analysis is as follows:

All risks are one of the basic types of marine transportation insurance, and it is the insurer's subject matter of insurance.

This is an insurance that covers liability for losses caused by reasons other than special riders. All risks covered include Ping An, Water Damage and General Riders. Goods due to war, strikes, import duties.

Losses caused by non-delivery and other reasons are not covered by the liability of all risks. All risks are insured by the policyholder due to the wide variety of additional insurances, in order to avoid omissions and ensure the safety of the goods. Usually, all risks are insured when the shipped goods are prone to damage and breakage, moisture and heat, rain and mildew, lack of leakage, odor, contamination and mixed pollution;

Water damage insurance is also known as individual average insurance, the original meaning of English refers to the single average responsible for compensation, one of the main risks of marine transport cargo insurance, the scope of liability of water damage insurance in addition to including the responsibilities of safety insurance, but also responsible for the insured goods due to bad weather, lightning, tsunamis, floods and other natural disasters.

The scope of water damage insurance includes natural disasters and accidents, resulting in the goods being flooded and causing the loss of the goods;

Specifically, it is also divided into seawater immersion or rainwater immersion. Some do not pay for rainwater impregnation. Even if there is water immersion, it depends on whether the water is the direct or indirect cause of the damage to the goods. If it is an indirect cause, the insurance company will not pay for it.

Water damage insurance is different from safety insurance, the scope of liability of water damage insurance is larger than that of safety insurance, and there are more losses caused by natural disasters.

The difference between all risks, safety insurance, and water damage insurance is: different insurance content and different liability coverage.

Extended Materials. Ping An Insurance.

Ping An insurance is a separate average and does not pay. Covers the insured goods due to natural disasters such as severe weather, lightning, tsunamis, **, floods, etc.

Total loss of the entire shipment. All or part of the loss of goods caused by accidents such as stranding of means of transport, landing, sinking, collision, fire, **; Part of the losses caused by natural disasters such as bad weather at sea before and after the occurrence of the above-mentioned accidents; Total or partial loss caused by one or more pieces of cargo falling into the sea during loading and unloading; reasonable expenses incurred by the insured to salvage the goods, etc.

Water damage insurance. In addition to the responsibilities of the above "Ping An Insurance", the scope of liability of water damage insurance is also responsible for part of the losses caused by natural disasters such as severe weather, lightning, tsunamis, rotten liquid**, floods, etc.

All risks. In addition to all the liabilities listed above "Ping An Insurance" and "Water Damage Insurance", the scope of liability of all risks also includes the loss of the insured goods due to various external reasons during the transportation of the goods. Regardless of total loss or partial loss, except for certain goods consumed in transit, the insurance company and the insured have agreed on the insurance policy.

In addition to the deductible odds stated above, the insurance company will pay compensation.

11 types of general riders:1Theft, pick-up without risk clause; 2.

Freshwater rain insurance clause; 3.short-term insurance provisions; 4.Mixed and contamination insurance clauses; 5.

Leakage insurance clauses; 6.damage and breakage insurance clauses; 7.cross-taste insurance clauses; 8.

Moisture and heat insurance provisions; 9.Hook Loss Insurance Clauses; 10.Package breakage insurance clauses; 11. Rust damage insurance clauses.

Motor vehicle insurance.

That is, automobile insurance (referred to as car insurance) refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents of motor vehicles.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation type insurance with the motor vehicle itself and its third-party liability as the subject matter of insurance.

Its insurance customers mainly own various motor vehicles.

of bodies corporate and individuals; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Mobility insurance. Motor vehicle insurance is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into compulsory traffic insurance and commercial insurance.

There are two categories, and commercial insurance can be specifically divided into two parts: basic insurance (also known as main insurance) and additional insurance.

There are significant differences between safety insurance and water damage insurance in terms of the scope of liability, the content of coverage, etc. Ping An insurance refers to the insurance that is responsible for all the loss of goods and part of the loss of specific accidents during the transportation of goods by sea, and water damage insurance refers to the loss caused by natural disasters in addition to the loss of goods and accidents. In addition, there are all risks and other types of insurance for the transportation of goods by sea.

1. The scope of liability is different: the liability scope of Ping An Insurance is the smallest, and the liability scope of water damage insurance is larger than that of Ping An Insurance;

2. The content of protection is different: the protection content of safety insurance generally includes the loss of all lead imitation of goods caused by marine accidents or natural disasters, the loss caused by means of transportation, the loss caused by loading and unloading, etc., and the natural disasters here mainly refer to the bad weather encountered during transportation, such as tsunamis, **, etc.; The water damage insurance includes the protection content of the above-mentioned safety insurance, in addition to increasing the loss caused by natural disasters, and the natural disasters in the water damage insurance add seawater immersion.