Marine & Cargo · Cover Explained货运保障 · 险种解读
Marine Cargo货运保险
Goods in Transit运输中货物保障
What it covers
Physical damage or loss of goods during sea, land, and air transportation — warehouse to warehouse.
Cover levels
- ICC (A) — All Risks: all accidents except specific exclusions (broadest)
- ICC (B) — Named perils: fire, explosion, stranding, natural disasters
- ICC (C) — Basic: only major transportation accidents (narrowest)
Sum insured tip
Insure at 110% of invoice value (CIF+10%) to cover anticipated profit. Underinsuring triggers the Average Clause.
Exclusions
- Improper packaging
- Natural wear or inherent product defects
- Economic losses from delay
- Carrier insolvency
保障承诺
承保货物在海、陆、空运输过程中，从发货仓库到收货仓库的物理损毁或丢失。
保障等级
- ICC (A) — 全险：涵盖除特定除外责任外的所有意外（最广）
- ICC (B) — 列明风险：涵盖火灾、爆炸、搁浅、沉没及部分自然灾害
- ICC (C) — 基础险：仅涵盖重大运输事故（最窄）
保额建议
按发票金额的110% (CIF+10%) 投保，以涵盖预期利润。保额不足将触发比例赔偿条款。
不保事项
- 包装不当导致的损毁
- 货物的自然损耗或固有缺陷
- 因延误导致的经济损失
- 承运人破产
Also in Marine & Cargo同属货运保障
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
Send us the policy — a licensed advisor reads it and shows you where you stand. No charge.把保单发给我们，持牌顾问逐条看完告诉你缺在哪。不收费。