What Insurance Help You Recover Losses After Typhoons?

We both know that the typhoon can cause great damage, Logistics enterprises are no exception! So what should we know about the common sense of insurance claim settlement?

台风过后，损失严重，物流企业也不例外，那么我们应该了解的相关保险理赔常识有哪些呢？

About Typhoon 

1

关于台风

Many people feel uneasy after the typhoon “Mangkhut”, so do I! The most important thing for the freight is the safety of the goods. 

台风山竹过后，很多人都忐忑不安，当然也包括小编我！做货运的，头等大事就是货物的安全！小编我每天都盯着港口的信息，心里也是非常忐忑不安！

What Insurance Help You Recover Losses After Typhoons?

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How can we avoid losses after typhoons? You may find the answer in this article!

最近台风这么多，如何才能避免损失呢？今天就给大家科普一下：关于码头浸水货柜退场验货和保险理赔的那点事。

 Check your container

2

检查你的货柜

First of all, you should check whether your container is on the first floor. You can refer to these information as follow:

首先，您要查询您的货柜是否在第一层，查询的方法万一还有人没有收到的话，可以再参考一次:

What Insurance Help You Recover Losses After Typhoons?

 

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What Insurance Help You Recover Losses After Typhoons?
What Insurance Help You Recover Losses After Typhoons?

What Insurance Help You Recover Losses After Typhoons?
What Insurance Help You Recover Losses After Typhoons?

1

What Insurance Help You Recover Losses After Typhoons?

Search for the WeChat public number “Nansha Port ( 南沙海港 )” — send the query of “201# container No. /202# order No.”;

微信搜索“南沙海港”微信公众号—发送“201#箱号/202#单号”查询；

What Insurance Help You Recover Losses After Typhoons?

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What Insurance Help You Recover Losses After Typhoons?

Log into the Web site: https://www.goct.com.cn/ (Guangzhou South China Oceangate Container Terminal Co., Ltd )–Service Center–First Tier container query.

南沙海港公司网站-客服中心-右下角：一层柜查询。

What Insurance Help You Recover Losses After Typhoons?

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What Insurance Help You Recover Losses After Typhoons?

What Insurance Help You Recover Losses After Typhoons?

If you can find your Container No., it is means that your container is on the First Tier.

如果查出来有柜号资料，就说明您的柜子放在第一层 。

What Insurance Help You Recover Losses After Typhoons?

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If your goods can not be soaked, you should apply to detain your container and do not transport for the moment.

如果真的放在第一层的话，而您的货物又是不能被水浸的话，那就申请扣柜，暂不走柜。

 Who ‘s responsibility?

3

这是谁的责任呢？

At the same time, perhaps you will think about that who should bear the resposibility? The dock? Or shipowner?

这个时候，可能大家就会想这是码头的责任，还是船东的责任呢！

What Insurance Help You Recover Losses After Typhoons?

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In addition, you will receive the shipowner’s feedback as soon as you receive the notification of your locker:

另外，在收到您的扣柜通知的第一时间，您会收到船东的反馈：

 

With the Typhoon MangKhut impacted, Guangzhou South China Oceangate Container Terminal (GOCT) has informed us that some containers may have been potentially impacted.

As these Export/Transhipment containers Stacking on The First Tier During Typhoon MangKhut

受2018年22号强台风“山竹”影响带来的强暴雨和超百年一遇的罕见增水，珠江多个站点破历史潮位纪录，水位短时超过码头的设计标高，期间有潮水涌上码头，堆场部分最底层的集装箱可能水浸。由于尚不清楚受水浸集装箱箱门的水密性是否完好，故请贵司决定附件集装箱是否装船。除非收到贵司特别通知，我司将按惯常以贵司最后确认之装船清单装船。

由于不可抗力， 如要HOLD 柜的费用需由贵司承担，顺祝商祺！

On-site inspection

4

现场验货

Next, the customs broker and the customs will apply for on-site inspection. It is necessary for the shipper to come to the site together with the third-party inspection agency or insurance company (if you had insurance in advance).

接下来，就是报关行跟海关申请到现场验货，有必要货主和第三方的检验机构或者保险公司（如果提前做了保险的）需要一同到现场。

Among them, you need to wait about a week for customs clearance operations and the dock’s inspection. If you need to see your container, you need to apply to the customs for the departure of container. As for the return, you can choose to return the factory.

其中的时间各有先后，有些可能要等一周左右，具体要看报关行办理的效率也要看排队调柜的速度，码头会把部分需要验货的货柜都掏出来，而且只能打开柜门看下门口，如果需要看完整条货柜，那就需要跟海关申请货柜退场，至于退到哪里，那就是货主您自己决定了，您可以选择退回工厂。

There will be departure fees, detain container fees, release of detention fees, adjustment fees, container rent, warehouse rent and so on. Handle quickly, Your expenses will be in thousands, or tens of thousands.

这中间会有退场费，扣柜费，还有解扣费，还有调柜费，柜租，仓租……等等一系列的费用，处理得快，费用少着几千，多则上万。是的，没错，市场上您所知道的大的船公司都是一样，（当然也有个别的小船东做的比较人性化，减免柜租，当然也是极少数的小船东。）大的船公司没有减免。

Cargo transportation insurance

5

海洋运输险

If you had insurance, and you need  to claim for compensation: Cargo transportation insurance.

买了保险的接下来就是找保险公司索赔了，大家买的保险都是“海洋运输险”。

Cargo transportation insurance mainly covers compensation for loss and relevant charges of the insured goods caused by natural disasters and accidents in transit.

海洋货物运输保险是保险人以海上运输的货物为保险标的，当货物在运输过程中发生自然灾害和意外事故造成的经济损失负赔偿责任的保险。

Insuring process

保险流程

What Insurance Help You Recover Losses After Typhoons?

The main risks

5

主要险种

The main risks of cargo transportation insurance in China: Free from Particular Average (FPA), with particular average (WPA), all risk.

我国海洋货物运输保险的主要险别有：平安险（FPA）、水渍险（WPA）、一切险（ALL RISKS）。

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Free from particular average (FPA)

平安险

What Insurance Help You Recover Losses After Typhoons?

保险人主要负责下列保险事故造成保险货物的：

  1. 因恶劣气候、雷电、海啸、地震、洪水自然灾害造成整批货物的全部损失；

  2. 由于运输工具遭受搁浅、触礁、沉没、互撞、与流冰或其他物体碰撞、失火、爆炸意外事故造成货物的损失；

  3. 在运输工具遭受意外事故的情况下，货物在此前后又在海上遭受自然灾害所造成的损失；

  4. 在装卸、转运时由于一件或数件整件货物落海造成的损失；

  5. 被保险人对遭受承保责任范围内危险的货物采取抢救、防止或减少货损的措施而支付的合理费用；

  6. 运输工具遭遇海难后，在避难港由于卸货所引起的损失以及在中途港、避难港由于卸货、存仓以及运送货物所产生的特别费用；

  7. 共同海损的牺牲、分摊和救助费用；

  8. 运输契约订有“船舶互撞责任”条款，根据该条款规定应由货方偿还船方的损失。

With particular average (WPA)

水渍险

除包括上列平安险各项责任外，还负责被保险货物因自然灾害所造成的部分损失。

What Insurance Help You Recover Losses After Typhoons?

All risk

一切险

除包括上列平安险、水渍险的各项责任外，还负责被保险货物在运输途中由于外来原因所致损失，它包括下列11种条款：

  1. 偷窃、提货不着险条款；

  2. 淡水雨淋险条款；

  3. 短量险条款；

  4. 混杂、沾污险条款；

  5. 渗漏险条款；

  6. 碰损、破碎险条款；

  7. 串味险条款；

  8. 受潮受热险条款；

  9. 钩损险条款；

  10. 包装破裂险条款；

  11. 锈损险条款。

What circumstances are the insurance company not liable?

以下情况保险公司不负赔偿责任

  1. Losses caused by the intentional act or negligence of the insured;

  2. Losses caused by the shipper’s liability;

  3. Losses caused by poor quality or short quantity of insured goods before the commencement of insurance;

  4. Losses or expenses arising from the natural wear and tear of the insured goods, inherent defects, characteristics, falling market price and delay in transit;

  5. The scope and exclusions of liability as provided for in the war risk clause and the cargo transport strike clause of the insurance company.

  1. 被保险人的故意行为或过失所造成的损失

  2. 属于发货人责任所引起的损失

  3. 在保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的损失

  4. 被保险货物的自然损耗、本质缺陷、特性以及市价跌落、运输延迟所引起的损失或费用

  5. 本公司海洋运输货物战争险条款和货物运输罢工险条款规定的责任范围和除外责任

 

Remember

切记

You should immediately provide the information to the insurance company and purchase basic risk, additional risk, and all risk after you pick up the container from the dock!

从码头提柜出来开始，立马提供资料去保险公司买基本险，附加险，加一切险！

从仓库起运投保后，经过码头，到达目的地港口，这样货物经过码头，就算运输的过程，如果货物本身在码头，才开始投保的话，码头就是起运地，货物一开始运离码头一直到目的地港口，就是运输过程。