Unfortunately, most companies who have to deal with the transport of goods, not thinking about this important aspect of transportation, as cargo insurance, or consider it a waste of money. Usually calculated on the shipping company or on its own resources. Yes, without doubt, the transport company takes the responsibility for safety of the goods and in case of emergency must pay damages. But it should be understood that the most likely damages will be received in the form of cash, but because of services, for example. Or, if large or valuable cargo, the company may simply not have enough finances to pay the compensation. There are cases when a small transport company just went bankrupt trying to pay damages. Also, there are situations where responsibility for damage can not be assigned to a transport company – are moments are usually specified in the agreement entered into between the transportation company and the client. In order not to stay and no cargo of his compensation, it is worth thinking about how to insure the cargo.
It is not uncommon itself when the transport company offers insurance services for goods. Incidentally, this may be an additional advantage in choosing a transport company. If a list of services the carrier insurance services are not available, you can refer to the insurance company providing the service. In general, insurance companies offer cargo insurance to more than one type. Option A – responsible for all risks. If the contract is insurance under this scenario, the insurance company compensates losses for damage or loss of cargo, as well as the costs of rescue and preservation of the goods. If you choose an insurance option, you must read the rules insurance, which were cases and situations in which compensation will be ignored.
Option B – responsibility for particular average. In this case, the insurance contract will be noted in any specific cases, the client and cargo owner can expect to recover damages. Option B – No liability for damages, except in cases of wreck. In this case, pay damages only on the total loss of all or part of the cargo, as well as damage cargo, if it is caused by a vehicle crash that occurred as a result of risks referred to in option B. The insurance contract must be given full and detailed information about what goods mode of transport that cargo to be transported, the geographical area and the cost of the goods. Based on these data will be calculated the amount of insurance premiums. Usually the cost of insurance rate from 0.5% to 3% of the cost cargo, depending on how traffic will be shipping. In the amount of the insurance rate may be affected by the following factors: 1.Vid cargo and its packaging, and transportation route 2.Srok; 3.Kolichestvo overload protection 4.Nalichie; 5.Harakteristiki conveyance. Ability to make some insurance companies may offer to insure the cargo not only its real value, but also to include in the amount of insurance compensation anticipated profits. There is also an opportunity to pay the policy of cargo insurance on credit or get a discount. In any case, you can always find an insurance company offering the best range of services suitable for each case.