国内水路货物运输保险条款

1. 《保险法》如何界定国内货物运输保险

一、国内货物运输保险的保险责任
国内水路、陆路货物运输保险分为基本险和综合险两种。
（一）基本险的保险责任。
保险人负责赔偿保险货物遭受的下列损失：
1.因火灾、爆炸、雷电、冰雹、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失。
2.由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失。
4.按国家规定或一般惯例应分摊的共同海损的费用。
5. 在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接、合理的费用。
（二）综合险的保险责任。保险人除承担基本险的责任外，还负责赔偿保险货物遭受的下列损失：
1. 因受震动、碰撞、挤压而造成破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失。
2. 液体货物因受震动、碰撞或挤压致使所用容器（包括封口）损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失。
3. 遭受盗窃或整件提货不着的损失。
4. 符合安全运输规定而遭受雨淋所致的损失。二、货物运输保险的责任免除
货物运输保险的保险人对由于战争或军事行动、核事件或核爆炸、保险货物本身的缺陷或自然损耗，以及由于包装不善、被保险人的故意行为或过失造成的保险货物的损失不承担赔偿责任。另外，对于全程是公路运输货物的，因盗窃和整件提货不着而造成的损失也不承担赔偿责任。

2. 水路货物运输综合保险条款

本险都可以单独投保，如：国内水路、陆路货物运输保险基本险、综合险，海洋运输版货物保权险平安险、水渍险、一切险，航空运输险，航空运输一切险等等。还有根据货物的特性承保的专门险也可以单独投保，海洋运输冷藏货物保险等。货物运输过程中涉及的基本保险可以单独投保。海洋运输货物保险的基本保险有：平安险、水渍险、一切险航空运输货物保险的基本保险有：运输险、运输一切险国内水路陆路货物运输保险基本保险有：基本险、综合险

扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"

3. 求国内水路，陆路货物运输保险条款 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 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. 国内水路陆路货物运输保险综合险

货物运输保险运输方式不一样，那么保险条款这些也不一样，您问的是不是国内水路运输和内陆运的货物运输保容险
水运和陆运的保险条款是一样的，都是分为综合险和基本险，一般投保的话建议你这边直接选择投保综合险，保险范围比较广，保的比较全，基本险适合二手和旧的货物，而且综合险比基本险的保费这块也不会高很多的。
如果你这边要投保的话
首先你可以联系保险公司或者保险代理公司业务员
他会发一个投保格式件投保书给你，你填好里面信息提交给他就可以操作了。
需要的一些信息有：
（被保险人提单号/发票号包装/件数货物品名保险金额船名航次/车牌号起运地和目的地起运日期）
投保保险需要以上信息就可以了，一般保单做好后会给你个确认件/草稿件核对信息，没问题就出正本给你们，这个正本保单后期是可以理赔的。
希望我的回答能够帮助得到您，谢谢
如有其他保险疑问，请来：多保鱼讲保险！，

5. 永安保险(备案)n59号 国内公路货物运输保险条款

国内货物运输保险的保险金额确定采用定值保险的方法，保险金额可由被保险人和保险人双方具体协商确定。一般可按离岸价、到岸价和目的地市价确定保险金额。离岸价是指货物在货物起运地的销售价，即起运地发货价；到岸价是指货物起运地的销售价加上到达目的地的各种运杂费；目的地市价是被保险人在目的地的货物销售价。大多数财产保险公司的国内水路、陆路货物运输保险的保险金额是按照到岸价确定的。

扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"

6. 平安国内水路运输承运人责任保险条款

国内货物运输险附加险较少见，一般是分运输途径，然后分综合险和基本险，综合险所承保的风险会多一些。个别可设特约险，如鲜活易腐物等。
其中基本险一般保险责任为：
1、因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失;2、由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失；3、在装货、卸货或转载时因遭受不属于包装质量不善或装卸人员违反操作规程所造成的损失；4、按国家规定或一般惯例应分摊的共同海损的费用；5、在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接合理的费用。
综合险除上述外，还有1、因受震动、碰撞、挤压而造成货物破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失；2、液体货物因受震动、碰撞或挤压致使所用容器（包括封口)损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失；3、遭受盗窃或整件提货不着的损失；4、符合安全运输规定而遭受雨淋所致的损失。
仓储险属于企业财产的一个分支，可直接投保。您可到一些财产保险公司咨询。

扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"

7. 国内水路、陆路货物运输保险基本险的保险责任包括（）等

人保抄的条款：
保险责任
第二条
本保袭险分为基本险和综合险两种。保险货物遭受损失时，保险人按承保险别的责任范围负赔偿责任。
（一）基本险：
1.因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失；
2.由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失；
3.在装货、卸货或转载时因遭受不属于包装质量不善或装卸人员违反操作规程所造成的损失；
4.按国家规定或一般惯例应分摊的共同海损的费用；
5.在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接合理的费用。
（二）综合险：本保险除包括基本险责任外，保险人还负责赔偿：
1.因受震动、碰撞、挤压而造成货物破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失；
2.液体货物因受震动、碰撞或挤压致使所用容器（包括封口)损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失；
3.遭受盗窃或整件提货不着的损失；
4.符合安全运输规定而遭受雨淋所致的损失。

8. 国内水路，陆路货物运输保险的责任保险责任有那些

人保的条款：
保险责任
第二条 本保险分为基本险和综合险两种。保险货物内遭受损失时，保险人按承容保险别的责任范围负赔偿责任。
（一）基本险：
1.因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失；
2.由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失；
3.在装货、卸货或转载时因遭受不属于包装质量不善或装卸人员违反操作规程所造成的损失；
4.按国家规定或一般惯例应分摊的共同海损的费用；
5.在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接合理的费用。
（二）综合险：本保险除包括基本险责任外，保险人还负责赔偿：
1.因受震动、碰撞、挤压而造成货物破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失；
2.液体货物因受震动、碰撞或挤压致使所用容器（包括封口)损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失；
3.遭受盗窃或整件提货不着的损失；
4.符合安全运输规定而遭受雨淋所致的损失

9. 水路货物运输综合保险

保险小编帮您解答，更抄多疑问可在线答疑。

货物运输保险运输方式不一样，那么保险条款这些也不一样，您问的是不是国内水路运输和陆运的货物运输保险
水运和陆运的保险条款是一样的，都是分为综合险和基本险，一般投保的话建议你这边直接选择投保综合险，保险范围比较广，保的比较全，基本险适合二手和旧的货物，而且综合险比基本险的保费这块也不会高很多的。
如果你这边要投保的话
首先你可以联系保险公司或者保险代理公司业务员
他会发一个投保格式件投保书给你，你填好里面信息提交给他就可以操作了。
需要的一些信息有：
（被保险人提单号/发票号包装/件数货物品名保险金额船名航次/车牌号起运地和目的地起运日期）
投保保险需要以上信息就可以了，一般保单做好后会给你个确认件/草稿件核对信息，没问题就出正本给你们，这个正本保单后期是可以理赔的。
希望我的回答能够帮助得到您，谢谢

10. 在国内水路陆路货物运输保险综合险的保险责任包括

人保的条款：
保险责任
第二条 本保险分为基本险和综合险两种。保险货物遭受损失时，保险人按承保险别的责任范围负赔偿责任。
（一）基本险：
1.因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失；
2.由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失；
3.在装货、卸货或转载时因遭受不属于包装质量不善或装卸人员违反操作规程所造成的损失；
4.按国家规定或一般惯例应分摊的共同海损的费用；
5.在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接合理的费用。
（二）综合险：本保险除包括基本险责任外，保险人还负责赔偿：
1.因受震动、碰撞、挤压而造成货物破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失；
2.液体货物因受震动、碰撞或挤压致使所用容器（包括封口)损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失；
3.遭受盗窃或整件提货不着的损失；
4.符合安全运输规定而遭受雨淋所致的损失。