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Data:2009-12-12 2:34
Handling international cargo transportation insurance, almost every single export business have to do, but do not have to be both conservative and simple and economical. As the actual operation conditions vary widely, therefore, how to make flexible use of insurance, to avoid the risk of transport of exported goods, is highly professional work skills. As the Shenzhen People's Insurance Underwriting Department, Mak Yong-wah said: "International cargo transportation insurance on business in terms of content is the most complex. Its varieties, not only the primary insurance and additional insurance, but additional insurance is divided into general additional insurance, in particular, additional insurance and special additional risks. the choice of the primary insurance, primary insurance and additional insurance needs with the use of professional knowledge. "
Do not select five elements of the risk insured, you always want the insurance coverage and premiums to find a balance between. To do this, we must first make their own assessment of the risks faced by the screening which are most at risk, are most likely to occur, and a combination of different types of insurance premium rates to be weighed.
Of course, a sense of security by investing more insurance will be a lot stronger, but the premium expenditures are also being increased. Guangdong Provincial People's Insurance Property Insurance Cargo Insurance Office, GAO Shu-Hua Kechang, handling international cargo insurance, there are many years, he thought, exporters insurance, usually on the following comprehensive consideration of several factors: 1. The types of goods, nature and characteristics; 2. goods, packaging situation; 3. the transportation of goods (including means of transport, transport, transportation routes); 4. occurred in the port and handling in the process of wear and tear, etc.; 5. destination, the political situation, As the NATO air strikes against Yugoslavia in 1998 and 1999 during the coup in Pakistan, if war risk insurance, the exporter would not have the security of goods and gripped with horror and the.
"Comprehensive consideration of a variety of goods is very important, so that can save premium, but also increase the risk of a more comprehensive levels of protection." Mr. Liu Yong said. He is Guilin Lingui light industry import and export business manager. According to him, he has done for many years of export operations, and their exports of goods in transit has not had any problems, nor lose money too. He believes that the more important reason is that, in handling insurance business more than to consider and comprehensive. He stressed that: "Now export business generally low profits, while the likelihood of the risk there is an increasing trend, and therefore should be carefully weighed when the insured."
When to use all risks "all risks" insurance is the most common one. Buyers were also many letters of credit opened by the exporter is to require all risks insurance. All Risks insurance the most convenient because of its areas of responsibility include FPA, W. P. A. and 11 general additional insurance, the insured do not bother to consider the choice of what additional risks. However, often the most convenient service to pay the costs are highest. Mr. Guo Yujiang the Shenzhen People's Insurance salesman engaged in cargo transportation insurance has been six years. He said that the premium rates, the W. P. A. All insurance rate equal to about 1 / 2, Ping An Insurance of all insurance equal to about 1 / 3.
Guo believes that in choosing whether all risks as the main advantageous depends on the actual situation. For example, wool, cotton, hemp, silk, silk, clothing, and chemical fiber goods, more likely to have suffered losses, such as the sticky dirt, hook damage, theft, short of, rain and so it is necessary to insure all risks. Some goods were really not necessary to insure all risks, such as low-value, bulk goods such as bare-loaded ore, steel, cast iron products, the main risk insurance can be a safe risk; In addition, according to the actual situation can be re-insurance risk as a deck Additional risk. For the unlikely event of collision damage, broken or easily rust but does not affect the use of the goods, such as nails, wire, screws and other hardware types of goods, as well as old cars, old second-hand machine tools, etc., can be insured as the main danger W. P. A. .
Some of the goods insured all risks as the primary insurance may not be enough, need special additional insurance coverage. Some contain aflatoxin in foods such as peanuts, rapeseed, rice and other food products, are likely to contain this toxin, a result of exceeding the importing countries limits for the toxins have been refused import, the confiscation or forced change of use, causing loss of , then, when the export of such goods, they should aflatoxin risk to be insured as a special additional risks.
Main risks and the additional flexibility in the use of high risk Shu-hua, introduced his handling of a case. In 1998 the company exported a batch of steel (NUDE) to the Central American countries, to insurance companies in the marine cargo transportation, "W. P. A.." Cargo arrives at destination and found that a short unloading 5. Consignee that is, linked insurance claims agent listed in the inspection and inventory check, the inspection and to furnish a test report confirmed that the fact that the short unloading, the consignee then made to the insurance claim. But the segment is only insured the transport of "W. P. A.", "short dumping" is not in the scope of insurance coverage, insurance companies, helpless. In this regard, Mr. Gao suggested that: "such goods insure W. P. A. If additional delivery Buzhao theft insurance, you can address the issue. To increase the premium of all insurance premiums generally based on 80% of the fee."
He explained that when the insurance companies in settlement of claims, first of all to confirm the reasons leading to the loss only in the context of responsibility insurance coverage for losses caused by the compensation will, therefore, the choice of additional risk factors should be targeted Yi Chuxian be considered. For example, glass, ceramics class, commodity or handicraft and other products, a result of crushing losses, insured, may, W. P. A. Ping An insurance or increase the premium based on the risk of breakage; hemp goods, after damp heat, causing mildew , cause losses to spontaneous combustion, etc., should be safe on the basis of risk or the W. P. A. damp heat insured risk; asbestos (board), cement board, marble and other building materials commodities, mainly due to broken lead to the loss, should be FPA based on the insured risk of breakage.
Different target markets, rates are also different, exporters accounting for insurance costs, you can not "across the board." For example, if the insured all risks, the rate of developed countries in Europe and the United States may be 0.5%, Asian countries is 1.5%, African countries will be as high as 3.5%. In addition, Guo suggested that when the cargo insurance in the choice to select additional risk based on market conditions, such as the Philippines, Indonesia, India goods, because the local terminal of the confusion, the risk of relatively large, we should choose theft insurance and short the amount of picking Buzhao insurance as an additional insurance, or simply against All Risks.
Anti-insurance is more important than insurance, insurance is a transfer and risk diversification tool. Although the risk of loss caused by insurance company will be responsible for claims, but the owner of the claim time-consuming and laborious process, it is not a small price, so awareness and prevention of risks on the basis of the insured to do some preventive measures are very necessary. Mr. Guo summarized his handling of the claims cases, warned: "In the container leaking cargo damage caused by an increasing number of cases." To guard against this risk, first, as we choose strength, reputable shipping companies, their relative would be better hardware devices; The second is to carefully check before loading the empty tank, to see whether the leaking cabinet door seal is intact. Would also like to see if there is odor, suggesting what the goods loaded the previous paragraph. If you want to install a cargo of food or medicine, while the former is filled with an intense smell and even dangerous goods, chemicals with a high level, then it may lead to Chuanwei, even the goods can not be used again.
He also suggested that, in order to handle future claims more convenient and the best choice for the owner a bill of lading bill of lading, rather than forwarding the bill of lading. Because the owner a bill of lading is issued in strict accordance with the actual situation in shipment to the consignor, while the freight bill of lading, then there exists backdating shipment date, bill of lading on the name of the vessel does not match with the actual name of the vessel such a situation, it will work with evidence for future claims to trouble.
