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20160120214 85 陈泳彤 Topic5
发布人:admin 时间:2019-10-24 已被浏览 243

Select Types of Insurance of Coverages Accordingly
20160120214 陈泳彤
 
With the complexity of international relations increase and the unpredictability climate change, buying insurance during international trade becomes an essential step. As the insurance premium depends on the type of insurance selected, merchants often stumble over buying insurance or claim for compensation.
 
First and foremost, it is universally acknowledged that choosing suitable insurance is the most appropriate course of action. Generally speaking, the type, nature and characteristics of the goods, packing and transport of goods should be considered comprehensively. For example, whey powder, a powdery food additive, commonly used as raw material to make ice cream and animal feed and the like. It must be kept in powder form for processing from packaging to transportation. Therefore, its packing materials used for the products shall be firm and moisture-proof, and whey powder shall be stored in a dry and well-ventilated place. When transporting, whey powder should Avoid exposure to the sun and rain.
 
In addition, in international trade cargo transportation insurance, the obligation of the insurer is "warehouse to warehouse", that is, from the warehouse of the exporter to the warehouse of the importer named on the policy. Once the goods are in the importer's warehouse and transported or sold by the importer, the insurer's liability ceases. A simple example can be drawn from a case of import and export trading company. The company has insured the imported goods for all risks, and after the goods arrived at the port of destination, entered the warehouse, the importer took the goods from the warehouse. The importer picked up the goods and sold them all over the country. Unfortunately, stricken by a typhoon, the remaining uncollected goods in the warehouse were damaged. The trading company made a claim to the insurance company, but failed.[1] In this case, the insurance company has assumed its responsibility, that is, from warehouse to warehouse. When the trading company took up the goods and sold them, the liability of the insurance company has ended. From this angle, it is natural that the insurance company need not compensate for this. It should also be noted that the effect of the insurance will be automatically cancelled 60 days after the arrival of the goods at the destination port.
 
Last but not least, when taking out a Marine insurance policy, in addition to F.P.A., special additional risks shall be purchased according to the actual situation. War risks coverage is responsible for loss arising directly from war or armed conflict, such as seizure, detention, prohibition and seizure of goods. Besides, there is an addition of "loss due to piracy" to the marine war risk clause, whereas other forms of transport do not. For instance, in March 2011, when western countries were conducting military activities in Liberia, a Chinese export company exported $500,000 worth of shoes to a Dutch company. When the insured cargo sailed into the Mediterranean, hit by a tomahawk cruise missile unfortunately. The ship's container was destroyed by the missile, and the products could not reach the port of Rotterdam as scheduled. The export company analyzed the Liberian sentence pattern and insured the goods with the insurance company against all risks, war risk and strike risk before shipment. After the destruction of the goods, the company submitted the relevant documents and successfully made a claim to the insurance company. [2] This case illustrates the significance of knowing the condition of the countries passing by the sea route. It seems that war risk is impeccable, but it is not responsible for any situation, such as the use of atomic or thermonuclear weapons in hostile acts. What is more, marine war risk is not responsible for the loss or damage of voyage insured by seizure or detention of a ruler, authority or other armed groups.
 
When doing business with foreign companies, people should pay attention to the situation of the companies and the policy changes of the countries, take relevant preventive measures to reduce risks. When companies purchase transportation insurance, not only do they need to choose the appropriate insurance, but also know the insurance coverage they bought.
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Reference
1. https://wenku.baidu.com/view/c2b324ad80c758f5f61fb7360b4c2e3f572725fc.html
2. https://www.docin.com/p-1772283247.html
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