Problems that should be paid attention to when international freight handling insurance claims

1、 Make a claim. The claims for import and export cargo insurance can be divided into the following two situations:

1. if the export goods belong to international freight suffer losses, the other party (the importer) shall apply for the claim to the foreign claim agent specified in the insurance policy. The people's Insurance Company of China has two kinds of institutions in the world, namely, the inspection agent and the claim agent, which are responsible for the inspection of the goods loss. After receiving the inspection report, the consignee shall attach other documents and claim to the issuing company. The latter can directly handle the claim within a certain amount authorized and pay the compensation locally.

When the international freight importer claims the insurance claim for import and export cargo to our foreign claim agent, it shall provide the following documents at the same time:

(1) Original of insurance policy or insurance certificate;

(2) Contract of carriage;

(3) Invoices;

(4) Packing list;

(5) Letters and other documents requesting compensation from the third party responsible for the carrier and other documents, as well as documents proving that the insured has fulfilled the procedures for recovery to be performed;

(6) Inspection report issued by foreign insurance agent or notarization institution of a third party abroad;

(7) Maritime report. The cargo losses caused by maritime affairs are generally paid by the insurance company, and the shipyard shall not be liable;

(8) Proof of cargo loss and difference;

(9) Claim list; etc.

2. if the imported goods belong to international freight have suffered losses, China's import company shall apply for the insurance of import and export cargo insurance. When any damage or shortage is found after the imported goods arrive at the port, airport or the mainland of China, the local insurance company shall be informed immediately and inspected jointly with the local national commodity inspection department. If the loss is determined to be within the scope of insurance liability, the local insurance company shall issue the inspection report on the residual and short of imported goods. At the same time, the insurance company shall make compensation for the damage accident caused by the foreign consignor, carrier, port authority, railway or other third party, as long as the consignee completes the recovery procedures from the above-mentioned responsible party. However, for the quality and specification liability of the foreign consignor, according to the provisions of the insurance company, the insurance company shall not be liable for compensation, but the consignee shall ask the national commodity inspection agency to issue a notarized inspection certificate, and then the receiving unit shall claim the claim to the consignor through the foreign trade company.

When the consignee of the imported goods claims to the insurance company, the following documents shall be submitted:

(1) Import invoice;

(2) B / L or notice of arrival of import and export goods and waybill;

(3) Unloading record and pound list at final destination.

If the loss involves the shipper's liability, an order contract must be provided. If there is a shipper guarantee and the shipping Party's endorsement, it shall also be provided. If the loss involves the liability of the shipowner, a cargo handling visa at the port of discharge shall be provided. If there is a shipping side note, it will also be provided. All the responsibilities of the consignor or the shipowner shall be identified and certified by the State commodity inspection department. If the loss involves the port loading and unloading and the responsibilities of inland, inland, inland or railway transporter, the freight record (business record) and joint inspection report issued by the responsible party shall be provided.

The consignee shall claim for import and export cargo insurance from the insurance company in the following ways: loss of imported goods by sea, claim from the insurance company at the port of discharge; loss of imported goods by air, claim from the destination insurance company indicated on the international waybill; loss of goods imported by mail shall be claimed from the destination insurance company indicated in the international package; land transport of imported goods Loss, claim from destination insurance company as indicated on the international railway waybill.

2、 Examine and approve the responsibility and make compensation. After the insured has completed the above-mentioned procedures and provided complete documents, the insured can wait for the insurance company to examine and approve the liability and pay the compensation. In China, there are two ways of insurance companies to make compensation:

First, directly compensate to the receiving unit;

Second, the compensation shall be paid to the relevant foreign trade companies, and then the foreign trade companies shall settle with each ordering unit.