國內水路貨物運輸保險條款

1. 《保險法》如何界定國內貨物運輸保險

一、國內貨物運輸保險的保險責任
國內水路、陸路貨物運輸保險分為基本險和綜合險兩種。
（一）基本險的保險責任。
保險人負責賠償保險貨物遭受的下列損失：
1.因火災、爆炸、雷電、冰雹、暴雨、洪水、地震、海嘯、地陷、崖崩、滑坡、泥石流所造成的損失。
2.由於運輸工具發生碰撞、擱淺、觸礁、傾覆、沉沒、出軌或隧道、碼頭坍塌所造成的損失。
4.按國家規定或一般慣例應分攤的共同海損的費用。
5. 在發生上述災害、事故時，因紛亂而造成貨物的散失及因施救或保護貨物所支付的直接、合理的費用。
（二）綜合險的保險責任。保險人除承擔基本險的責任外，還負責賠償保險貨物遭受的下列損失：
1. 因受震動、碰撞、擠壓而造成破碎、彎曲、凹癟、折斷、開裂或包裝破裂致使貨物散失的損失。
2. 液體貨物因受震動、碰撞或擠壓致使所用容器（包括封口）損壞而滲漏的損失，或用液體保藏的貨物因液體滲漏而造成保藏貨物腐爛變質的損失。
3. 遭受盜竊或整件提貨不著的損失。
4. 符合安全運輸規定而遭受雨淋所致的損失。二、貨物運輸保險的責任免除
貨物運輸保險的保險人對由於戰爭或軍事行動、核事件或核爆炸、保險貨物本身的缺陷或自然損耗，以及由於包裝不善、被保險人的故意行為或過失造成的保險貨物的損失不承擔賠償責任。另外，對於全程是公路運輸貨物的，因盜竊和整件提貨不著而造成的損失也不承擔賠償責任。

2. 水路貨物運輸綜合保險條款

本險都可以單獨投保，如：國內水路、陸路貨物運輸保險基本險、綜合險，海洋運輸版貨物保權險平安險、水漬險、一切險，航空運輸險，航空運輸一切險等等。還有根據貨物的特性承保的專門險也可以單獨投保，海洋運輸冷藏貨物保險等。貨物運輸過程中涉及的基本保險可以單獨投保。海洋運輸貨物保險的基本保險有：平安險、水漬險、一切險航空運輸貨物保險的基本保險有：運輸險、運輸一切險國內水路陸路貨物運輸保險基本保險有：基本險、綜合險

擴展閱讀：【保險】怎麼買，哪個好，手把手教你避開保險的這些"坑"

3. 求國內水路，陸路貨物運輸保險條款 英文版

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 proction 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 reproced 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 e to confusion caused by the loss of goods and e 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 e to vibration, resulting in collisions or by squeezing the container (including the seal) and the leakage loss of damage to, or preservation of goods e 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 e to rain;

The third period of insurance起訖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 rece 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, 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 resial value after the loss, should make full use of, by mutual consultation, can be folded to the price of the insured person and dect 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.

4. 國內水路陸路貨物運輸保險綜合險

貨物運輸保險運輸方式不一樣，那麼保險條款這些也不一樣，您問的是不是國內水路運輸和內陸運的貨物運輸保容險
水運和陸運的保險條款是一樣的，都是分為綜合險和基本險，一般投保的話建議你這邊直接選擇投保綜合險，保險范圍比較廣，保的比較全，基本險適合二手和舊的貨物，而且綜合險比基本險的保費這塊也不會高很多的。
如果你這邊要投保的話
首先你可以聯系保險公司或者保險代理公司業務員
他會發一個投保格式件投保書給你，你填好裡面信息提交給他就可以操作了。
需要的一些信息有：
（被保險人提單號/發票號包裝/件數貨物品名保險金額船名航次/車牌號起運地和目的地起運日期）
投保保險需要以上信息就可以了，一般保單做好後會給你個確認件/草稿件核對信息，沒問題就出正本給你們，這個正本保單後期是可以理賠的。
希望我的回答能夠幫助得到您，謝謝
如有其他保險疑問，請來：多保魚講保險！，

5. 永安保險(備案)n59號 國內公路貨物運輸保險條款

國內貨物運輸保險的保險金額確定採用定值保險的方法，保險金額可由被保險人和保險人雙方具體協商確定。一般可按離岸價、到岸價和目的地市價確定保險金額。離岸價是指貨物在貨物起運地的銷售價，即起運地發貨價；到岸價是指貨物起運地的銷售價加上到達目的地的各種運雜費；目的地市價是被保險人在目的地的貨物銷售價。大多數財產保險公司的國內水路、陸路貨物運輸保險的保險金額是按照到岸價確定的。

擴展閱讀：【保險】怎麼買，哪個好，手把手教你避開保險的這些"坑"

6. 平安國內水路運輸承運人責任保險條款

國內貨物運輸險附加險較少見，一般是分運輸途徑，然後分綜合險和基本險，綜合險所承保的風險會多一些。個別可設特約險，如鮮活易腐物等。
其中基本險一般保險責任為：
1、因火災、爆炸、雷電、冰雹、暴風、暴雨、洪水、地震、海嘯、地陷、崖崩、滑坡、泥石流所造成的損失;2、由於運輸工具發生碰撞、擱淺、觸礁、傾覆、沉沒、出軌或隧道、碼頭坍塌所造成的損失；3、在裝貨、卸貨或轉載時因遭受不屬於包裝質量不善或裝卸人員違反操作規程所造成的損失；4、按國家規定或一般慣例應分攤的共同海損的費用；5、在發生上述災害、事故時，因紛亂而造成貨物的散失及因施救或保護貨物所支付的直接合理的費用。
綜合險除上述外，還有1、因受震動、碰撞、擠壓而造成貨物破碎、彎曲、凹癟、折斷、開裂或包裝破裂致使貨物散失的損失；2、液體貨物因受震動、碰撞或擠壓致使所用容器（包括封口)損壞而滲漏的損失，或用液體保藏的貨物因液體滲漏而造成保藏貨物腐爛變質的損失；3、遭受盜竊或整件提貨不著的損失；4、符合安全運輸規定而遭受雨淋所致的損失。
倉儲險屬於企業財產的一個分支，可直接投保。您可到一些財產保險公司咨詢。

擴展閱讀：【保險】怎麼買，哪個好，手把手教你避開保險的這些"坑"

7. 國內水路、陸路貨物運輸保險基本險的保險責任包括（）等

人保抄的條款：
保險責任
第二條
本保襲險分為基本險和綜合險兩種。保險貨物遭受損失時，保險人按承保險別的責任范圍負賠償責任。
（一）基本險：
1.因火災、爆炸、雷電、冰雹、暴風、暴雨、洪水、地震、海嘯、地陷、崖崩、滑坡、泥石流所造成的損失；
2.由於運輸工具發生碰撞、擱淺、觸礁、傾覆、沉沒、出軌或隧道、碼頭坍塌所造成的損失；
3.在裝貨、卸貨或轉載時因遭受不屬於包裝質量不善或裝卸人員違反操作規程所造成的損失；
4.按國家規定或一般慣例應分攤的共同海損的費用；
5.在發生上述災害、事故時，因紛亂而造成貨物的散失及因施救或保護貨物所支付的直接合理的費用。
（二）綜合險：本保險除包括基本險責任外，保險人還負責賠償：
1.因受震動、碰撞、擠壓而造成貨物破碎、彎曲、凹癟、折斷、開裂或包裝破裂致使貨物散失的損失；
2.液體貨物因受震動、碰撞或擠壓致使所用容器（包括封口)損壞而滲漏的損失，或用液體保藏的貨物因液體滲漏而造成保藏貨物腐爛變質的損失；
3.遭受盜竊或整件提貨不著的損失；
4.符合安全運輸規定而遭受雨淋所致的損失。

8. 國內水路，陸路貨物運輸保險的責任保險責任有那些

人保的條款：
保險責任
第二條 本保險分為基本險和綜合險兩種。保險貨物內遭受損失時，保險人按承容保險別的責任范圍負賠償責任。
（一）基本險：
1.因火災、爆炸、雷電、冰雹、暴風、暴雨、洪水、地震、海嘯、地陷、崖崩、滑坡、泥石流所造成的損失；
2.由於運輸工具發生碰撞、擱淺、觸礁、傾覆、沉沒、出軌或隧道、碼頭坍塌所造成的損失；
3.在裝貨、卸貨或轉載時因遭受不屬於包裝質量不善或裝卸人員違反操作規程所造成的損失；
4.按國家規定或一般慣例應分攤的共同海損的費用；
5.在發生上述災害、事故時，因紛亂而造成貨物的散失及因施救或保護貨物所支付的直接合理的費用。
（二）綜合險：本保險除包括基本險責任外，保險人還負責賠償：
1.因受震動、碰撞、擠壓而造成貨物破碎、彎曲、凹癟、折斷、開裂或包裝破裂致使貨物散失的損失；
2.液體貨物因受震動、碰撞或擠壓致使所用容器（包括封口)損壞而滲漏的損失，或用液體保藏的貨物因液體滲漏而造成保藏貨物腐爛變質的損失；
3.遭受盜竊或整件提貨不著的損失；
4.符合安全運輸規定而遭受雨淋所致的損失

9. 水路貨物運輸綜合保險

保險小編幫您解答，更抄多疑問可在線答疑。

貨物運輸保險運輸方式不一樣，那麼保險條款這些也不一樣，您問的是不是國內水路運輸和陸運的貨物運輸保險
水運和陸運的保險條款是一樣的，都是分為綜合險和基本險，一般投保的話建議你這邊直接選擇投保綜合險，保險范圍比較廣，保的比較全，基本險適合二手和舊的貨物，而且綜合險比基本險的保費這塊也不會高很多的。
如果你這邊要投保的話
首先你可以聯系保險公司或者保險代理公司業務員
他會發一個投保格式件投保書給你，你填好裡面信息提交給他就可以操作了。
需要的一些信息有：
（被保險人提單號/發票號包裝/件數貨物品名保險金額船名航次/車牌號起運地和目的地起運日期）
投保保險需要以上信息就可以了，一般保單做好後會給你個確認件/草稿件核對信息，沒問題就出正本給你們，這個正本保單後期是可以理賠的。
希望我的回答能夠幫助得到您，謝謝

10. 在國內水路陸路貨物運輸保險綜合險的保險責任包括

人保的條款：
保險責任
第二條 本保險分為基本險和綜合險兩種。保險貨物遭受損失時，保險人按承保險別的責任范圍負賠償責任。
（一）基本險：
1.因火災、爆炸、雷電、冰雹、暴風、暴雨、洪水、地震、海嘯、地陷、崖崩、滑坡、泥石流所造成的損失；
2.由於運輸工具發生碰撞、擱淺、觸礁、傾覆、沉沒、出軌或隧道、碼頭坍塌所造成的損失；
3.在裝貨、卸貨或轉載時因遭受不屬於包裝質量不善或裝卸人員違反操作規程所造成的損失；
4.按國家規定或一般慣例應分攤的共同海損的費用；
5.在發生上述災害、事故時，因紛亂而造成貨物的散失及因施救或保護貨物所支付的直接合理的費用。
（二）綜合險：本保險除包括基本險責任外，保險人還負責賠償：
1.因受震動、碰撞、擠壓而造成貨物破碎、彎曲、凹癟、折斷、開裂或包裝破裂致使貨物散失的損失；
2.液體貨物因受震動、碰撞或擠壓致使所用容器（包括封口)損壞而滲漏的損失，或用液體保藏的貨物因液體滲漏而造成保藏貨物腐爛變質的損失；
3.遭受盜竊或整件提貨不著的損失；
4.符合安全運輸規定而遭受雨淋所致的損失。