In the process of transportation, the cargo is subject to various risks - it can be stolen, the vehicle can get into an accident, as a result of rain, the goods can get wet. To receive funds for lost or damaged cargo, purchase an insurance policy.
Instructions
Step 1
Choose an insurance company. Rate its reliability, financial stability. Pay attention to your experience in the cargo insurance market. An insured event can occur at any point along the entire length of the route, and the selected company must act immediately - to ensure the arrival of a surveyor, to accept documents from another country for consideration.
Step 2
Find out the insurance rate. To do this, call the insurance company or fill out the calculation form on the website. The rate depends on the type of cargo (it is more expensive to insure fragile and liquid goods), route, vehicle, packaging, cost of the transported goods. Multiply the tariff announced by the company's specialist (from 0.05 to 0.7%) by the cost of the cargo, you will receive the amount of insurance premium payable.
Step 3
Carefully study the Cargo Insurance Rules. They prescribe the procedure for making payments in the event of an insured event, the risks subject to insurance, and standard exclusions from coverage. Pay attention to the concept of a deductible, this is the amount of damage that the insurer does not reimburse. If you prefer to enter into a contract without a deductible, the insurance rate will be higher. In general, insurance companies offer a policy on terms "with responsibility for all risks", it covers all possible events as much as possible. Tell the insurer if you want to include in the insurance the risks associated with loading and unloading goods, storage in a warehouse.
Step 4
Fill out an application for cargo insurance. The form can be downloaded on the website of the insurance company, ask the employee to send it by fax or e-mail. The information that is requested in the application concerns the cargo, the method of transportation, cost, insurance conditions. At the request of the insurer, provide copies of documents confirming the value of the cargo, invoices. Based on the completed application, the insurer issues a policy and issues an invoice.
Step 5
Pay the bill. The insurer will provide you with 2 copies of the policy, sign them, put the seal of the organization. Keep one copy for yourself, give the second to the insurer.
