Issues to pay attention to when handling insurance claims for international freight transportation

1、 Submit a claim application. Import and export freight insurance claims can be divided into the following two situations:

1. If international freight exports suffer losses, the other party (importer) shall file a claim application with the foreign claims agent specified in the insurance policy. The People's Insurance Company of China has two types of institutions in major ports and cities around the world: entrusted foreign inspection agents and claims agents, with the former responsible for inspecting cargo losses. After obtaining the inspection report, the consignee shall attach other documents and claim compensation from the issuing company on their own. The latter can directly handle the compensation case within a certain amount authorized and pay the compensation on site.

When an international freight importer files a claim for import and export freight insurance with our foreign claims agent, they must also provide the following documents:

(1) Original insurance policy or certificate.

(2) Transportation contract.

(3) Invoice.

(4) Packing list.

(5) Letters, telegrams, or other documents requesting compensation from third-party responsible parties such as the carrier, as well as documents proving that the insured has fulfilled the required recovery procedures.

(6) Inspection reports issued by foreign insurance agents or third-party notary institutions abroad.

(7) Maritime report. The loss of goods caused by maritime accidents is generally compensated by insurance companies, and the shipowner is not responsible.

(8) Proof of cargo damage and difference.

(9) Claim list; Wait a minute.

2. If the imported goods are damaged due to international freight, China's importer shall file a claim for import and export freight insurance with the insurance company. When imported goods arrive at ports, airports, or mainland China and are found to be damaged or in short supply, the local insurance company should be immediately notified and joint inspection should be carried out with the local national inspection department. If it is determined that the loss falls within the scope of insurance liability, the local insurance company shall issue a "Report on Inspection of Shortage of Imported Goods". At the same time, for any cargo damage accidents caused by foreign consignors, carriers, port authorities, railways or other third parties, as long as the consignee completes the recovery procedures from the above-mentioned responsible parties, the insurance company will provide compensation. However, for quality and specification liability issues related to the foreign shipper, according to the terms and conditions of the insurance company, the insurance company is not liable for compensation. Instead, the consignee should request a notarized inspection certificate from the national commodity inspection agency, and then the consignee should file a claim with the shipper through the foreign trade company.

When the consignee of imported goods files a claim with the insurance company, they must submit the following documents:

(1) Import invoice.

(2) Bill of lading, import and export goods arrival notice, waybill.

(3) Record of unloading at the final destination and weighing list.

If the loss involves the shipper's responsibility, an order contract must be provided. If there is a shipper's guarantee and the ship's annotation, they should also be provided together. If the loss involves the responsibility of the shipowner, a cargo handling visa at the unloading port must be provided. If there are any annotations from the ship, they should also be provided together. If it involves the responsibility of the shipper or the shipowner, it is also necessary for the national commodity inspection department to conduct identification and certification. If the loss involves port loading and unloading and the responsibility of inland, inland or railway transportation parties, freight records (business records) and joint inspection reports issued by the responsible party must be provided.

The consignee may file a claim for import and export freight insurance with an insurance company through the following channels: for losses of imported goods by sea, the consignee may file a claim with the insurance company at the port of discharge; Claim compensation from the destination insurance company indicated on the international waybill for the loss of imported goods by air freight; Claim compensation from the destination insurance company indicated on the international parcel list for the loss of imported postal goods; The loss of imported goods transported by land shall be claimed from the destination insurance company indicated on the international railway waybill.

2、 Approve responsibilities and provide compensation. After completing the relevant claim procedures and providing complete documents, the insured can wait for the insurance company to approve the liability and pay the compensation. In China, insurance companies have two types of compensation methods:

One is to directly compensate the receiving unit.

The second is to concentrate compensation to relevant foreign trade companies, and then settle with each ordering unit.