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Chapter I General Provisions
The first to make insurance cargo insurance for the goods by sea, rail, road and intermodal transport, as a result of insurance within the scope of natural disasters or accidents caused by the loss of financial compensation can be, and to strengthen the security of cargo loss prevention work, the benefit of commodity production and circulation of commodities, special organized domestic waterways, land cargo transportation insurance provisions.
Chapter Insurance
Article II of the insurance risk and integrated into the basic two types of risk. Cargo insurance when they suffer losses, insurance coverage by other national insurance provisions the carriage of goods by sea / land cargo transportation insurance provisions of the insurance coverage liability.
(A) basic insurance:
1. A result of fire, explosion, lightning, hail, storms, heavy rain, floods, earthquakes, tsunamis, land subsidence, cliff collapse, landslides, mud-rock flows caused by the loss;
2. As a result of transport collision, stranding, running aground, capsized, sunk, or tunnel derailment, the terminal loss caused by the collapse;
3. In the filling, discharge or reproduced when the result of poor quality do not belong to the packaging or handling caused by violation of rules of the loss;
4. In accordance with national regulations or general practices should be assessed the costs of general average;
5. In the event of these disasters, accidents due to confusion caused by the loss of goods and due to treatment or the protection of the goods to pay the cost of direct and reasonable.
(B) Comprehensive Insurance: This insurance liability insurance in addition to basic, the insurer is also responsible for compensation:
1. Due to vibration, impact, crushing the goods caused by extrusion, bending, concave flat, break, crack or rupture the packaging led to the loss of loss of goods;
2. Liquid cargo due to vibration, resulting in collisions or by squeezing the container (including the seal) and the leakage loss of damage to, or preservation of goods due to fluid leakage caused by liquid preservation metamorphic loss of perishable goods;
3. Subjected to theft or could not pick up the whole of the loss;
4. In line with the provisions of the Safe Transport of losses suffered due to rain;
The third period of insurance起讫responsibility is self-signed certificate of insurance and insurance of goods shipped from the shipper to the final storage in a warehouse or premises, the insurance certificate to the destination of the consignee as specified in the local a warehouse or storage premises terminated. However, insurance of goods reach their destination, if the consignee is not timely delivery, then the termination of liability to extend to a period of up to consignee received "arrival notice" after a maximum of 15 days (postmark date for prospective).
Chapter III, except the responsibility of
1. War or military action;
2. Nuclear incidents or nuclear explosions;
3. Insurance of goods itself or natural wear and tear, and as a result of poor packaging;
4. Has been the insurer"s intentional acts or negligence;
5. The whole road transport of goods, theft and could not pick up the whole of the loss;
6. Other responsibilities do not fall within the scope of insurance losses.
Chapter IV of the amount of insurance
Article V of insurance value or the value added by the value of computing delivered incidentals.
Chapter V of the obligations of the insured person
Article VI of the insured person in the insurance certificate issued by the insurance at the same time, should be in accordance with the premium rate, a premium paid to deal with.
Article VII of the insured person should strictly abide by the state and transportation departments on the safe transport of its provisions. It should also be accepted and to assist the insurer on the insurance of goods carried out by Loss Prevention work in the identification of goods and packaging must comply with the national department in charge of the required standards.
Article VIII of goods if there is within the scope of insurance losses, the insured person was informed, he or she shall notify the local insurance agency and shall be promptly taken to rescue and protection measures to prevent or reduce loss of goods.
Article IX if the insured person does not fulfill the domestic waterways, land cargo transportation insurance provisions of the obligations of each insurer the right to terminate or refuse compensation insurance or all of an economic loss.
Chapter VI dealt with compensation for goods inspection and
Article X of the insurance certificate and the cargo arrives at destination the consignee specified in the first at the local warehouse or storage premises, the consignee should be ten days to apply to local insurance agencies and goods damaged in test, otherwise insurers inadmissible.
Article XI to the insured person applied for insurance claim, must provide the following documents: 1. Insurance certificates, waybills (cargo votes), bills of lading, invoices; 2. Issued by the freight carrier sector records, general records, the transfer acceptance records, identification of the book; 3. receipt storage unit records, inspection reports, loss of inventory and ambulance goods direct costs paid by the documents; insurance claims in the documents received after the above, it should be in accordance with domestic waterways, and land freight transport the terms of the scope of insurance liability, whether damages should be paid promptly approved, the amount of compensation by the insurer reach an agreement with the insured person should be paid in ten days.
Article XII of the goods occurred within the scope of insurance losses, the value determined by the amount of insurance, the insurer in accordance with the actual loss in value of shipment in accordance with the calculation of compensation; miscellaneous transportation by price increases to determine the amount of insurance, the insurer in accordance with the actual loss according to broadcast to the calculation of the value plus miscellaneous transportation. However, the maximum amount of compensation is limited to the amount of insurance.
Article XIII, if the insured person under-insured, insurance payments that are lower than the value when the insured person the amount of its loss and the protection of the cost of treatment paid by insurance and the amount of compensation for the value of a pro-rata basis. Insurance against loss of goods in the amount of compensation, as well as a result of treatment or the protection of the goods paid by direct and reasonable costs should be calculated separately, and the amount not exceeding the insurance limit.
Article XIV internal waterway cargo insurance provisions the carriage of goods / land cargo transportation insurance within the scope of the terms of insurance losses, if required by law or the agreement, should be in charge of the carrier or other third party one or all of the compensation was should first of all to the insurance carrier or other third party claims. If requested by the insured, the insurance can先予compensation, but shall be issued by insurers to transfer the rights and interests of insurers, and to assist in insurance recovery to the responsible party.
Article XV cargo insurance residual value after the loss, should make full use of, by mutual consultation, can be folded to the price of the insured person and deduct compensation.
Article XVI from the insured losses that the insurance of goods the next day, the 180 if it does not apply for compensation to the insurer, does not provide the necessary documents, or do not receive the compensation they deserve, then give up as a voluntary interests.
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