This problem is faced by the owners of firms, enterprises and ordinary citizens who send their personal belongings to another locality by one of the modes of transport. Freight transportation is almost always a risk that can be reduced by concluding an insurance contract.
Instructions
Step 1
Start by realistically assessing the risks associated with shipping. These include the nature of the shipment, the packaging and the intended route of delivery. All this should be taken into account in the insurance contract that you have to conclude. The decision on its conclusion is made by the company's management at any time before the start of cargo transportation.
Step 2
Sign a contract, check the documents of the insurance company. All Russian insurance companies operate on the basis of a state license in accordance with domestic and international law. An insurance contract can take into account both all possible types of risks, and individual ones, for example, in connection with an emergency and damage. In some cases, it is possible to take into account the so-called associated risks, which include a coup d'etat in the recipient country. The cost of insurance directly depends on the type of cargo and the method of transportation. This is the most expensive insurance for road transport, and of goods - household appliances, cars, electronics. Insurance of bulky goods - machine tools, equipment, various metal structures will cost you much cheaper.
Step 3
Be sure to include in the insurance contract items related to the duration of the carriage, the specifics of the route, and even the number of night stops. Approximate rates of cargo insurance have been determined for all types of transport in the range from 0.01-0.15 to 0.7% of the value of the cargo.
Step 4
You also have to decide on the frequency of insurance. You can conclude a one-time contract only for a specific transportation, but if your business is associated with regular deliveries to the customer, then you conclude a long-term general contract on multiple-time cargo insurance. As the world practice shows, it is not worth saving on cargo insurance, since their death or significant damage leads to significant financial losses.
