Cargo insurance, also known as freight insurance, mainly aims at insuring goods in the process of transportation to cope with the loss of goods caused by natural disasters or accidents in the process of transportation. Can be in the actual operation, obviously cast the goods insurance, but when the goods appear after the loss, the insurance company is "cheating people" do not pay. Why is this?
Let's take a look at a case: an owner of a single transport of a batch of flower POTS to Yunnan province, but on the way to Yunnan region when the rain, the vehicle inadvertently slipped down the slope. Fortunately, there were no casualties, the transport pot was almost broken in half, the loss of roughly 100,000 yuan or so. Originally, the owner thought that the purchase of goods damage insurance should be able to reduce a slight loss, but the insurance company refused to pay, because the owner of the goods damage insurance is general goods, flower POTS are fragile goods, not universal.
Semi Trailer supplier says In fact, in such cases, in the transport dispute frequency is not low. Owners think that the money invested in insurance, if the problem can be guaranteed, but in fact, the insurance company has all kinds of rules and regulations, from the policy to the types of insurance and then to the insurance process, anyone does not meet the requirements, may be more difficult to pay up.
So, what should the owners do, in order to maximize the prevention of claims in the dispute?
1. Distinguish between "policyholder", "insured" and "insurer"
Although these three terms seem to look similar, they are extremely relevant no matter what kind of cargo liability insurance. Because in the transportation of goods, everyone with insurable interests can be insured, such as the owner, consignor, shipper, carrier, etc., only when the carrier is the "insured", can enjoy the various protection and risk sharing brought by insurance.
For example, in some orders, numerous shippers or enterprises will deduct several hundred yuan in the owner's freight, called the safety fee or insurance. The owner may think that the owner bought the cargo insurance. If there is cargo damage, they can also have protection, so it is accepted. But in fact, if the "insured" column is filled in is the owner of the goods, not the car owner, then once the goods problems, the owner is likely to be held accountable by the insurance company, compensation for the loss of goods. Although the so-called safety fee or insurance is deducted from the owner of the freight. But it's essentially a wedding dress for someone else.
2. Distinguish between "basic risks" and "all risks"
The transportation liability insurance of goods can be divided into basic insurance, all insurance and additional robbery clauses. Under normal circumstances, the scope of all insurance protection is more comprehensive, in some freight platforms, freight insurance platform can be directly purchased. If the insurance company specifically states that the coverage applies only to point-to-point logistics transportation, then sub-carload transportation is typically not directly insured.
At present, numerous insurance companies will robbery, robbery and other types of protection clauses into the additional provisions of all insurance, the overall sales, of course, the specific depends on the detailed provisions of insurance companies. In addition, theft insurance can also be purchased separately through freight platforms or online insurance platforms.
3. Make clear the insurance reporting process
① Report to the police in time after the accident and retain evidence.
If the goods are damaged due to accidents, spontaneous combustion, weather and other factors, the first time should be reported to the traffic police or fire department, and the insurance company should be contacted to determine the location, time, cause, vehicle and value of the damaged goods, and remember to take photos or video to keep on-site evidence.
② Prepare claim materials
Under normal circumstances, claims materials mainly cover: Original or clear photos of transport contract/agreement, photos of goods damage at the scene of the accident, proof of the value of goods (invoice, contract), driving license + driving license + road transport license photos, accident confirmation letter, proof of compensation and deduction voucher, copy of the business license of the insured + ID card + bank account, if the non-insured claim, also need to provide authorization and additional materials.
③ Claim payment and close the case
In the absence of dispute, enter the normal claim application stage. Most of this stage is the preparation and supplement of claims materials. It should be noted that the general insured goods damage insurance will be with deductible, refers to the amount of deductible, in the specified amount, the insured need to bear the loss, the insurer is not responsible for compensation, in the goods damage insurance clauses will also indicate the deductible and the rate of deductible.
4. Distinguish the type of goods
There are too many kinds of goods to be covered by the risk of damage. In general, when buying general cargo damage insurance, detailed terms will be displayed to indicate the types of goods covered by the insurance, the owner must read carefully.
Fragile goods are not covered by most general all risks unless specially agreed upon. Under normal circumstances, general cargo insurance covers basic and all risks of general cargo, fresh fruit and vegetable transportation insurance covers vegetables, fruits, livestock, poultry and fish, fragile goods transportation insurance covers glass, ceramics and other fragile goods, and commercial vehicle transportation insurance covers commercial passenger cars and used cars.
For freight owners, car insurance, freight insurance is a means to reduce the risk. buying the right kind of insurance can maximize the prevention of spending money but can not settle claims. If you learn about additional "pit prevention" experiences in car insurance and freight insurance, please leave a comment in the comment section, and we will exchange and discuss together.