How to understand Ping An insurance Water damage insurance does not cover the loss of goods caused b

The type of insurance you are talking about should be the marine transport cargo insurance clause, which is applicable to import and export marine insurance, and the insurance clause is divided into safety insurance, water damage insurance, and all risks according to the scope of responsibility.

The safety insurance and water damage insurance you mentioned are all listed liability clauses, that is to say, there are only 8 articles of Ping An insurance responsible for compensation, and water damage insurance is based on Ping An insurance to increase the liability compensation for all or part of the losses caused by severe weather, lightning, tsunamis, **, floods and natural disasters.

All risks, the name feels that all risks are responsible, but in fact, his scope of liability is on the basis of safety insurance and water damage insurance, and is also responsible for all or part of the loss of the insured goods due to external reasons in transit.

It includes the following 11 types of provisions, which are the external reasons you are asking:

1.Theft, 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.

Insurance has a proximate cause principle, which refers to the cause that is closest to the loss in time or space, but refers to the most direct and effective cause that plays a leading or dominant role in causing the loss. The principle of proximate cause means that there must be a direct consequence relationship between the occurrence of a dangerous accident and the formation of the result of the loss, and the insurer is liable for compensation for the loss incurred.

Fresh water and rain insurance: The insurance company shall be responsible for compensating for the loss caused by fresh water, rain and even snow melt during the transportation of goods. Fresh water includes fresh water tanks on board, leaky water pipes, and sweat.

If it is caused by seawater inflow, the insurance company will not compensate for the loss. The difference between freshwater rain insurance and moisture and heat insuranceFreshwater rain insurance: the insured goods are responsible for compensation for the loss caused by direct rain or fresh water, but there should be traces of rain or fresh water on the outside of the package or other appropriate proof, the insured must take delivery in time and apply for inspection within ten days after picking up the goods, otherwise, the company is not liable for compensation.

Moisture and heat insurance: water in the cabin of the insured cargo due to sudden changes in temperature or failure of the ship's ventilation equipment during transportation.

Gas condensation, dampness, or fever.

Responsible for compensation for the losses caused. The main differences between water damage insurance and freshwater rain insurance are: (1) Water damage insurance is one of the basic insurances for marine goods, while freshwater rain insurance is one of the general additional insurances, which cannot be insured separately and must be attached to the basic insurance, such as all insurances are included.

2) Like Ping An Insurance, Water Damage Insurance is only responsible for the loss caused by salt water, not the compensation for the loss caused by fresh water, while the Freshwater Rain Insurance is responsible for the loss caused by fresh water (including drinking water on the ship, leaking water pipes, dripping water from the ship's pole, etc.), rain, and snow dissolved water.

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

All Risks, Water Damage Insurance, Safety Insurance.

The scope of Ping An insurance is the smallest, and there is no compensation for sea average alone. The following limits are for you to keep in mind:

1.All losses of the entire shipment due to severe weather, lightning, tsunamis, floods, natural disasters;

2.Loss of goods due to grounding, aground, sinking, collision, collision with drift ice or other objects, fire, or accident caused by the means of transport;

3.In the case of an accident involving the means of transporting the old cave, the goods suffered losses caused by natural disasters at sea before and after that;

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

5.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;

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

In addition to the safety insurance, the water damage insurance is also responsible for part of the loss of the insured goods due to natural disasters such as bad weather, lightning, tsunami, flood, etc.

All risks = water damage + safety + general riders.

There are 11 general riders, which are available in textbooks.

It should be noted that both the safety insurance and the water damage insurance mention losses caused by natural disasters such as severe weather, lightning, tsunamis, **, floods, etc. Ping An insurance is responsible for the loss of all goods, and water damage insurance can be responsible for part of the loss of goods. When you distinguish this, you will have a clear idea.

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

Safety and Safety: 1The insured goods have suffered total loss or presumed total loss of the entire shipment due to natural disasters such as severe weather, lightning, tsunami, **, flood, etc.

2.All or part of the loss of the cargo due to the means of transport being stranded, aground, 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 rocks, sunk, incinerated and other 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 the fall of one or more pieces of cargo into the sea in its entirety during loading, unloading or transportation.

5.The reasonable expenses paid by the insured for taking measures to rescue, prevent or reduce damage to the goods subject to the danger covered by the insurance, but not to the extent that the insured amount of the rescued goods does not exceed the insured amount. 6.

Losses caused by unloading at ports of refuge after shipwreck, and special expenses incurred in unloading, warehousing, and transportation of goods at ports of refuge and ports of refuge. 7.sacrifice, apportionment and salvage costs of general average;

8.The contract of carriage contains a clause on "mutual fault liability in the event of a collision between ships", according to which the merchant shall reimburse the ship's losses.

Water Damage Insurance = Safety Insurance + Partial Loss of Goods Caused by Natural Disasters All Risk = Safety Insurance + Water Damage Insurance + 11 General Additional Insurances.

The 11 additional insurances include: theft and delivery of goods, fresh water and rain, short-term insurance, mixed pollution insurance, leakage insurance, damage and breakage insurance, cross-smell insurance, moisture and heat insurance, hook damage insurance, packaging breakage insurance and rust damage insurance.

Ping An insurance, water damage insurance is the basic type of international shipping, which only needs to pay for the sail insurance fee, different terms, there are different parties to pay the insurance premium. For example, FOB is the buyer pays the insurance premium, CIF is the seller pays the insurance premium... The basic insurance of international shipping is divided into safety insurance, water damage insurance, and all risks.

Among them, the safety insurance for destroying the car is the most basic, the water damage insurance includes the safety insurance, and the fiber ant all the insurance includes the water damage insurance.

Well.. That is true.. If there is a risk that is covered by insurance, you should file a claim with the insurance company.

Depending on the kind of ** method you use, there is no insurance method agreed on in the letter closure contract, and if there is no other agreement, it is generally safety insurance. Anyway, whether the buyer pays the insurance premium or the seller pays the insurance premium, the buyer will claim compensation directly from the insurance company.