Cargo Insurance indemnity insurance how to calculate the primary Insurance Tips Tips Bar

Category: Insurance tips Release Date: 2006-08-01

Cargo Insurance indemnity calculated according to the primary insurance total loss and partial loss calculated separately, specifically as follows:

A, total loss

The usual transport policy for the valuation of insurance policy, the total loss amount of insurance should be fully compensated. Unvalued insurance, the insured amount when Chuxian lower than the actual value of the amount of mortgage and insurance compensation; Chuxian insurance when the insured amount higher than the actual value of the real value of the compensation. Full compensation insurance company, insurance company salvage return.

Second, part of the loss

1, the number of loss is calculated as follows:

Number of loss insurance amount × (weight)

-------------------------- = Indemnity

Underwriting of the total number (total weight)

For example, a group of a total of 100 boxes of clothing, insurance and the amount of 60,000 U.S. dollars, lost five boxes, the amount of compensation should be: 60000 × 5 / 100 = 3000 (U.S. dollars)

2, mass loss is actually belittle the value to know the depreciation rate can be calculated. The formula is:

Insurance amount × (goods, good prices - after the damage value)

Depreciation rate =------------------------------------

Good price of the goods

Insurance amount × depreciation rate = reparations

For example, a jade carving, handicrafts price was 5,000 yuan intact, due to a broken corner, after inspection and concluded that only the value of fixed damage to 3,000 yuan. Its depreciation rate that is (5000-3000) / 5000 =

40%; indemnity = 5000 × 40% = 2000 Yuan.

3, loss of a part of a packaging unit, according to the smallest unit to calculate the number of the short amount of damage or leakage, coupled with the short amount of major units, the number of leakage after the insured amount per kilogram paid the amount calculated.

For example, the drum chemical raw materials, a total of 50 barrels, a barrel, 50 kg, leakage seven barrels, of which two barrels, a barrel, only 5 kilograms, and another 5 barrels, a barrel, only 12 kg, Paul amounted to 50,000 yuan, payment amount = 50000 / (50 × 50) × [(50-5) × 2 + (50-12) × 5] = 5600 (yuan)