<p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">货物运输险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">深度剖析</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">{ 定义 | 分类 | 承保方式 }</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">货物运输保险，简称货运险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">它是一种财产保险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">最早起源于海上保险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">是保险的一个古老险种</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p> <div style="color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;text-align:justify;"> <span style="font-size:16px;font-weight:bolder;">货运险的定义</span><em><span style="font-weight:bolder;font-size:16px;">01</span></em> </div> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/a7c4b9e8-697d-4515-816a-2dcc27f22fdf.jpg" /><img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/d321858a-8a44-4f80-aae1-6d50c63ac45c.jpg" /> </div> </span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">其定义是以各种运输工具（如飞机、火车、汽车等）在运输过程中的货物作为保险标的，当这些货物由于自然灾害、意外事故或其它原因造成损失时，由保险公司承担经济赔偿责任。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">货运险的种类</span><em><span style="font-weight:bolder;font-size:16px;">02</span></em> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/b3e83146-fc59-4e89-b5d7-7483bf0c5d5c.jpg" /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">货运基本险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">基本险主要涵盖以下几种风险：</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">1</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流等自然灾害造成的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">2</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌造成的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">3</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">装货、卸货或转载时因非包装质量问题或装卸人员操作失误造成的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">4</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">国家规定或一般惯例应分摊的共同海损费用。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">5</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">灾害、事故发生时因混乱造成的货物散失及施救或保护货物所支付的合理费用。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">货运综合险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;"><span style="font-weight:bolder;font-size:16px;">综合险在基本险责任外，还包括以下风险：</span></span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">1</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">因震动、碰撞、挤压而导致货物破碎、弯曲、凹瘪、折断、开裂或包装破裂造成的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">2</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">液体货物因震动、碰撞或挤压导致容器损坏而渗漏的损失，或因液体渗漏导致保藏货物腐烂变质的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">3</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">遭受盗窃或整件提货不着的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">4</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">符合安全运输规定而遭受雨淋导致的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/5770dee0-84d4-4b69-b542-e75d1fd66767.jpg" /><img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/9940450d-800c-4a9c-bc6b-c25b743bd05e.jpg" /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">具体选择哪种保险，需根据运输货物的具体情况来决定。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">常见承保方式</span><em><span style="font-weight:bolder;font-size:16px;">03</span></em> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/443a9525-79e2-482b-90f5-033c1eca58e3.jpg" /><img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/786ef734-f272-4d26-b503-267298e9aae0.jpg" /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">单次货运险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">适用散单，先填投保单交资料缴费，再出具保单。通常有最低消费，如80元或100元。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">预约协议方式货运险</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">适用于有规律的货运，可以先谈定预约的承保条件，限制在某额度以下的约定方式和路线，按统一条件/费率承保，不需要每一单打保单。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">一般除外责任</span><em><span style="font-weight:bolder;font-size:16px;">04</span></em> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/96e6970f-ff3d-401a-a903-cde8671171e7.jpg" /><img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/54a82b49-b39d-42b1-8a54-2a744a7afa10.jpg" /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;"><span style="font-weight:bolder;font-size:16px;">货物运输保险一般不包括以下责任：</span></span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">1</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">战争或军事行动。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">2</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">货物的自然损耗、市价跌落、本质缺陷，以及运输延迟造成的损失或费用。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">3</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">被保险人的故意行为或过失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">4</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">其他不属于保险责任范围的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">5</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">非经保险公司同意并特别约定，货物因破碎渗漏、偷窃、提货不着、短量、串味造成的损失。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">投保注意事项</span><em><span style="font-weight:bolder;font-size:16px;">05</span></em> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/a65f2f16-ff05-4646-80b7-44864d02a3b4.jpg" /><img src="https://yixiaoer-image-oss.yixiaoer.cn/20250411/d8fa66f6-e536-4fe9-b293-d438b7dd147e.jpg" /><span style="font-weight:bolder;font-size:16px;">明确投保金额</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">要明确投保货物的投保金额，并根据货运价格、货物性质、包装特点等确定投保险别。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">详实填写保单</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">填写投保单时要详实、清楚地填写各项内容，特别是被保险人栏目和货物名称栏目。被保险人应按保险利益的实际有关人称谓的全称填写；货物名称应填写具体名称，不要笼统填写。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-weight:bolder;font-size:16px;">明确保险责任</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">要注意保险期间，货物运输保险属于运程保险，保险责任的起讫时间从货物运离发货人仓库开始，直至运达目的地的收货人仓库或储存地为止，按保险标的实际所需的运输途程为准。</span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;"><br /> </span> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;"> <div style="margin:0px;padding:0px;color:#FFFFFF;font-family:"font-size:16px;background-color:#479BFF;"> <span style="color:#000000;">领航国际成立于2005年，是经国家金融监督管理总局批准的全国性、综合性、并依法从事互联网保险业务的保险经纪公司。领航自成立以来，20年深耕于航运和消费金融领域，通过整合国内外保险优势资源，以保险产品和模式创新见长，积极践行数智化转型，打造业内领先的在线投保平台“领航保”，推动行业高质量发展，更好的服务广大客户。领航拥有一支专业功底扎实、从业十余年的资深团队，致力于为物流行业提供数字化的风险管理方案。</span> </div> <div style="margin:2rem 0px 0px;padding:0px;color:#FFFFFF;font-family:"font-size:16px;background-color:#479BFF;"> <span style="color:#000000;">领航货运险，跨境电商FBA保险、货代责任险，美国FMC资质办理及AMS舱单、欧盟ICS2发送服务（携手骏日），已为超1.8万家物流企业提供行业保险解决方案，依托强大的国际网络能够为“一带一路和引进来、走出去”提供优质的企业服务。</span> </div> <span style="color:#000000;"></span><br /> </span> </p>