What should be paid attention to when handling insurance claims for international freight

1. Filing a claim.Claims for import and export freight insurance can be divided into the following 2 situations:

1 if the export goods of international freight suffer losses, the other party (the importer) shall file a claim with the foreign claim agent specified in the insurance policy.The People's Insurance Company of China has 2 agencies in major ports and cities in the world, which are entrusted foreign inspection agents and claim settlement agents.After receiving the inspection report, the consignee, together with other documents, shall make a claim to the issuing company by itself. The latter can directly handle the claim within a certain amount authorized and pay the compensation on the spot.

The international cargo importer shall provide the following documents at the same time when claiming for import and export cargo insurance from the overseas claim settlement agent:

（1） Original insurance policy or insurance certificate;

（2） Transportation contract;

（3） Invoices;

（4） Packing list;

（5） Letters, telegrams or other documents requesting compensation from the carrier and other 3 party responsible parties, as well as documents proving that the insured has performed the recovery procedures that should be done;

（6） Inspection report issued by foreign insurance agent or foreign third party notary institution;

（7） Maritime report.The loss of goods caused by maritime affairs is generally compensated by the insurance company, and the ship owner shall not be liable;

（8） Certificate of damage and shortage;

（9） List of claims; etc.

2 due to the loss of the imported goods of international freight, the importer of China applies to the insurance company for import and export freight insurance claim.When the imported goods are found damaged or in short supply after arriving at the port, airport or mainland of China, the local insurance company shall be notified immediately and the inspection shall be conducted jointly with the local national commodity inspection department.If it is determined that the loss is within the scope of insurance liability, the local insurance company shall issue the inspection report on the defect and shortage of imported goods.At the same time, the insurance company will pay compensation to the consignor, the carrier, the port authority, the railway or other third parties involved in the cargo damage liability as long as the consignee completes the recovery procedures from the above responsible parties.However, for the relevant quality and specification liabilities of the foreign consignor, according to the terms of the insurance company, the insurance company shall not be liable for compensation. Instead, the consignee shall ask the State Administration for commodity inspection to issue a notarized inspection certificate, and then the receiving unit shall claim against the consignor through the foreign trade company.

When the consignee of imported goods claims against the insurance company, it shall submit the following documents:

（1） Import invoices;

（2） Bill of lading or notice of arrival and waybill of import and export goods;

（3） Unloading records and weight list at the final destination.

If the loss involves the liability of the consignor, an order contract must be provided.If there is a consignor's guarantee and the ship's endorsement, it shall also be provided.If the loss involves the liability of the ship, the tally certificate at the port of discharge shall be provided.If there is a shipping Party's endorsement, it will also be provided.Where the responsibility of the consignor or the ship is involved, the State commodity inspection department shall also identify and issue the certificate.If the loss involves port loading and unloading and the responsibility of inland, inland or railway transportation parties, the freight record (business record) and joint inspection report issued by the responsible party shall be provided.

The consignee shall claim against the insurance company for import and export cargo insurance in the following ways: the loss of imported goods by sea shall be claimed against the insurance company at the port of discharge; the loss of imported goods by air shall be claimed against the insurance company at the destination specified in the international waybill; the loss of imported goods by mail shall be claimed against the insurance company at the destination specified in the international parcel list; and the loss of imported goods by land shall be claimed against the insurance company at the destination specified in the international parcel listThe loss shall be claimed against the destination insurance company specified in the international railway waybill.

2. Examine and approve the responsibility and make compensation.After the insured completes the above claim procedures and provides complete documents, they can wait for the insurance company to examine and approve the responsibility and pay the compensation.In China, there are 2 ways for insurance companies to make compensation:

First, direct compensation to the receiving unit;

2 is centralized compensation to the relevant foreign trade companies, and then the foreign trade companies and the order units for settlement.