In recent years, the rapid development of online shopping in China has also led to the development of express delivery and logistics industry. More and more consumers or express companies will buy insurance for their own express delivery. So how to buy insurance for express? How much does express pay for insurance? Xiaobian will answer for you.
1、 How to buy insurance for express delivery
1. How to buy insurance for personal express?
Personal express delivery, things are generally small pieces, the price will not be very expensive, at this time it is recommended to buy insurance directly from the express company, and the general express company provides insurance services. After the purchase of insurance, express delivery in the process of damage, loss and other issues, can be compensated.
2. How to buy insurance for express delivery?
To buy insurance for express delivery, in addition to the above personal situation, it also includes large-scale 'express delivery' of logistics companies. In this case, we suggest that logistics companies can take out logistics insurance or freight insurance for their own goods. Logistics companies can directly contact property insurance companies or other platforms providing freight insurance for insurance. When insuring, they should pay attention to:
1) Provide the information of the insured goods, including the name, quantity, package, mark and invoice number of the goods;
2) Provide cargo transportation information, including means of transportation, waybill number, departure time, and transportation route;
3) Understand the types of insurance to be insured and whether there are special circumstances for declaration. If the L / C is opened, the L / C number shall be provided and the insurance clauses in the L / C shall be informed;
4) Fill in the application form according to the above information, and sign and seal in person;
5) When applying for insurance, the insurance company shall be informed truthfully, and there shall be no concealment, omission, wrong report or false report.
2、 How much does it cost to buy insurance by express
1. How much is insurance for personal express?
If it is the express delivery of personal belongings, you can directly consult the express company for specific insurance costs. However, in general, after the value of goods exceeds 1000 yuan, express companies generally charge 1% - 5%, of course, there are slight differences among different express companies. For example, the premium rate of SF express is 5 & permil; and that of Yunda and Zhongtong is 3%. The maximum insured amount of Zhongtong express shall not exceed RMB 10000.
For example, Xiao Wang needs to send his new mobile phone to his mother. The cost of the mobile phone is 3000 yuan. If the goods are sent by SF express, the insurance premium is generally within 20 yuan. If the express mail is sent by Yunda and Zhongtong, the required premium is 900 yuan.
How much does the company pay for insurance?
Companies send express, that is to say, by sea, land transport and other means of transport of goods, generally can be insured cargo insurance, logistics insurance, etc. However, the calculation method of insurance for express delivery is more complicated. Generally, it is necessary to understand the express mode, purpose, goods type, etc., and then calculate the specific premium through the specified rate. The specific calculation method is as follows:
1. Basic rate: the main factors affecting the basic rate of express insurance are the mode of transportation and the way of transportation. Different means of transportation determine different fixed rates, and the mileage rate is used to calculate. The specific formula is: basic rate = fixed rate + mileage rate.
2. Comprehensive insurance rate: in addition to the express insurance, some additional risks, such as package breakage insurance and theft insurance, are calculated according to the comprehensive rate.
3. Special rate: it is mainly the rate determined by the insurance for the transportation of products with specific dangerous accidents, such as honey transportation insurance.