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The content is translated by Google. For more information, please contact DEER EXPRESS

Deer’s domestic transportation insurance clause (single payment of up to 5 million RMB)

Domestic cargo transportation insurance agreement

Party A: Deer Eexpress Co., Ltd.
Party B: \\\\\\\\\\\\\\\\\\\\\\\\

In order to make Party A responsible for arranging transportation in accordance with the provisions of this Agreement in the course of domestic transportation, it will be able to obtain timely economic compensation when it suffers losses within the scope of insurance liability. Party B and Party B agree on the basis of Party B’s domestic transportation of Party A’s domestic transportation goods. The appointment method is underwritten, and both parties enter into the following cargo transportation insurance agreement for mutual compliance.

Insured: Shenzhen Luyun International Logistics Co., Ltd.
First, the subject of insurance
Within the term of the agreement, the scope of the insurance subject specified in the insurance clause, the goods, raw materials and other goods carried by Party A shall be covered by the insurance coverage (except as otherwise stipulated in this agreement), and Party A shall not choose to insure at will.

The following goods are not covered by the insurance policy of this insurance agreement:
1. Items prohibited by circulation or delivered by law;
2. Reactionary newspapers, publicity materials or obscene articles;
3. Explosive, flammable, corrosive, radioactive, toxic and other dangerous goods; (refer to GB12268-2012 “Dangerous Goods Name List”)
4. Items that impair public health; perishable items;
5. Lively and vivid plants, fresh goods, frozen products, canned foods, perishable products, easy-to-eat products, agricultural products and other perishable items;
6. Items that are not suitable for mailing conditions; items that are not properly packaged and may endanger personal safety, pollution or damage other mails and equipment;
7, various currencies; items that are not suitable for mailing conditions; cash, gold and silver, jewelry, diamonds and products, jade, jewelry, ancient coins, antiques, calligraphy and painting, stamps, art, rare metals and other precious property; guns and ammunition, explosion Items; cash, securities, notes, documents, files, books, drawings, merchandise cars and other property that cannot be valued;
8. Goods that are in private or free of charge by the insured or their employees, drivers or escorts’ own property and other personnel;
9. Precision instruments (Note: Any instrument or equipment that meets the following two conditions shall be regarded as a precision instrument or equipment: (1) Balance, stability, shock, dust, and handling angle of the instrument or equipment during transportation. There are special strict requirements; (2) The insured amount of a single piece of equipment or equipment exceeds RMB 2 million, and the instrument or equipment cannot be repaired after it is damaged.
10. Glass, heavy parts, super long and wide parts, used machinery and equipment.
11. Goods listed in the insurance clause that are not covered by the subject-matter insured.
Second, the applicable terms and insurance
The main insurance clause applicable to this agreement is “Road Cargo Transportation Insurance Clause (2009 Edition)”, and the additional insurance clause is “Additional Theft and Robbery Insurance Clauses for Road Freight Transportation Insurance” (see Annex 2 for details).
According to the mode of transportation and the type of goods, the insurance is applicable separately: “Road Freight Transportation Insurance”, and “State Road Freight Transportation Insurance Additional Theft and Robbery Insurance”.
Third, operating income statement
The insurance premium paid by the insured is the minimum premium. If the insured applies for surrender in the agreement period, the insurer will not refund the insurance premium. If the insured’s accumulated operating income is greater than the insured amount during the term of the agreement, the insured will An application should be made to the insurer to increase the premium. The total operating income of the insured’s policy period is RMB 10,000 yuan. Please use this as a basis to negotiate with the insurer to collect prepaid insurance premiums (minimum premiums).
The insurer will calculate the actual insurance premium according to the actual operating income × rate of the insured in the policy year. If the actual insurance premium is higher than the prepaid premium (the minimum premium), the insured will pay the difference. Otherwise, the insurer presses “Expected ratio of operating income to actual operating income” is paid on the basis of the final loss amount of the insurance case. When the estimated loss amount of the insurance case exceeds 100,000 yuan, Party B has the right to verify the actual turnover of Party A in the previous year. Party A shall provide support and cooperation. If the actual turnover is higher than 10% of the declared turnover at the time of signing the agreement, The insurance company will increase the deductible rate, which is 30% of the amount of the accident.
The insured shall provide assistance and assistance in the verification of the actual operating income of the logistics business as required by the insurer.
Fourth, the insurance rate
■Accounting by operating income:\
Five, insurance premiums
The total amount of insurance premiums that Party A shall pay to Party B under this Agreement is RMB (capital): \\\\\. At the expiration of this agreement, the insurance premium shall be adjusted according to the actual number of total operating income within the term of the agreement. The minimum insurance premium under this agreement is not less than 100% of the estimated insurance premium, that is, RMB\\\\\
After negotiation between the two parties, Party A shall pay the insurance premium in the following manner:
■ Party A shall pay Party B the above insurance premium before the date of 2019.
Party B’s account number is:
Account Name: \\\\\\\\\\\\\\\
Bank: \\\\\\\\\\\\\\\
account number:\\\\\\\\\\\\\\\\
6. Compensation limit
The maximum liability for each accident of each means of transport is limited to 5 million yuan;
The annual cumulative compensation limit is 8 million yuan.
Seven, the term of the agreement
From 0:00 on June 1, 2019 to 24 o’clock on May 31, 2020.
Eight, the rate of deduction / amount
■ General accident deductible: RMB 5000.00 or 10% of the approved loss, whichever is higher.
■ Fire and explosion accidents, overturning accidents, deductible for each accident: RMB 10,000.00 or 20% of the approved loss, whichever is higher.
■ Loading and unloading loss Each accident deductible: RMB5000.00 or 15% of the approved loss, whichever is higher.
■ Ceramics, fragile products deductible: RMB 10000.00 per accident or 20% of the approved loss, the two are dominated by the highest.
■Additional theft and robbery insurance: The absolute exemption for each accident is RMB20,000 or 20% of the loss, whichever is higher.
Nine, safe transportation
Party A must carefully select the carrier and the means of transport. The goods to be transported and the means of transport must comply with the provisions of the State or its competent authorities regarding safe transportation; if Party A and Party B have previously agreed on the carrier, means of transport, transport packaging, etc. If a specific standard is agreed, Party A shall not arbitrarily lower the standard without the consent of Party B. Otherwise, Party B shall not be liable for compensation in the event of an insured event; Party B shall provide security for the safety inspection of Party A’s transportation cargo and carrier. Party A shall actively cooperate with the disaster prevention and loss prevention plan.
If Party A has a fixed or relatively fixed carrier, Party A shall provide Party B with the carrier’s qualification certificate, the means of transportation and the transportation contract signed with Party B to enable Party B to select an appropriate underwriting plan.
X. Obligations of both parties
Party A guarantees that all the goods, raw materials and other goods it carries will be insured by Party B. Unless otherwise agreed in this Agreement, it shall be handled as agreed.
Party A shall immediately notify Party B or the agent of Party B (the National Unified Service Telephone of China People’s Insurance Co., Ltd. is 95518) once it suffers losses within the scope of insurance liability, and immediately take active and effective rescue, protection and finishing. Measures to reduce the further expansion of the loss of insurance targets. Party A shall also assist Party B to do on-site investigation and remnant cleaning, and provide relevant documents to Party B in a timely manner. If Party A violates this obligation, Party B shall not be liable for compensation for the part of the nature, cause and degree of loss that may result in the loss of the expansion or the insured event.
After receiving all the documents provided by Party A, Party B shall promptly verify whether compensation shall be made according to the scope of insurance liability, and shall make a responsibility and damage as soon as possible according to the on-site investigation. If Party B has reached an agreement with Party A regarding the compensation, it shall pay within 20 days. Party B has the right to verify Party A’s actual financial accounts after the occurrence of the insurance accident to determine whether Party A is fully insured and thus determine the compensation method.
Party A shall select or require the customer to select a ship or other means of transport suitable for safe transportation. For ships of more than 20 years of age, Party B may choose whether to insure according to the circumstances, if the insurance is subject to additional charges, the rate is increased. Consulted separately and listed in the agreement. If the ship is over 30 years old, Party B will not accept the insurance. If Party A violates the provisions of this article, Party B shall not be liable for compensation for the accident that occurred during the transportation.
If Party A violates the provisions of this Agreement regarding safe transportation, Party B has the right to terminate this insurance agreement or refuse to bear part or all of the financial compensation liability. If Party A fails to fulfill the insurance premium obligation as agreed by both parties and fails to pay the insurance premium, Party B shall not be liable for compensation after the accident. If part of the insurance premium is owed, the liability shall be paid according to the ratio of the premium received at the time of the insurance to the premium to be collected as stipulated in this insurance agreement. (Indemnity = the amount of compensation should be paid × the actual insurance premium received at the time of the insurance, the insurance premium as stipulated in the insurance agreement)
XI. Special agreement
1. After a theft incident, Party A shall actively go to the public security or its relevant departments to handle the relevant certificates of theft (refer to the documents or materials issued by the public security organ that can prove the facts of theft or robbery, etc., not limited to the proof of the case ).
2. In the case of the packaging frame for fixing and protecting the goods, or the outer packaging of the goods is intact, the damage caused by unexplained reasons is not covered by this agreement.
3. Special agreement on the exclusion of unattended vehicles: This insurance does not cover the destruction or loss of the subject matter of insurance caused by the unattended operation of the carrier. Unless the above situation is caused by reasonable reasons during the transportation, the storage of the carrier is temporarily stored near the driver or in the 24-hour security parking lot. The carrier must be securely locked and the windows closed properly. The key should not be stored in the car. The insured shall treat the goods as uninsured goods and in all cases must take all reasonable care to protect the goods subject to its supervision, supervision and control.
4. Coverage of the policy area: Within the territory of the People’s Republic of China (excluding Hong Kong, Macao, Taiwan, Xinjiang, Tibet), the accidents and losses caused by the area covered by the policy are excluded from this policy.
5. After the insurance, the owner of the external vehicle hired by the logistics company and the insured are regarded as the same interest subject. After the accident, Party B will abandon the recovery of the owner of the external vehicle. The details of the external vehicle are detailed in the attachment.
Twelve, claims matters
The procedures to be provided when making a claim:
1. The original transportation contract; 2. The claim letter and the claim list; 3. The waybill; 4. The claim application; 5. The cause of the accident, the accident proof materials, etc.
XIII. Dispute Resolution
1. Disputes arising from this insurance agreement shall be settled through negotiation between the two parties. If the negotiation fails, it may be brought to the People’s Court of the People’s Republic of China.
2. The disputes in this insurance agreement shall be governed by the laws of the People’s Republic of
XIV. Other matters
1. Where the content specified in this Agreement conflicts with the content of the applicable terms, the content of the agreement shall prevail.
2. Party A’s statement: Party B has provided Party A with all the insurance clauses applicable to this Agreement and has exempted the insurer’s liability clause (including but not limited to liability exemption, does not belong to the scope of the insurance subject, and the policyholder The insured’s obligations, compensation treatment, etc., as well as the contents of the payment agreement and special agreement in this insurance contract are clearly stated to Party A. Party A has fully understood and accepted the above contents and agreed to use this as the basis for entering into the insurance contract. , voluntarily insured this insurance.
3. This agreement is made in two copies, one for each party.

Party A: (signature) Party B: (signature)

Responsible person or authorized signatory: Responsible person or authorized signatory:
Phone: Phone:
Address: Address:
Date of signing: Year Month Day Signing date: Year Month Day
Annex I, list of external vehicles:
License plate number model delivery destination destination insured

Annex II, insurance types, insurance clauses
(1) Insurance insurance: “Road Freight Transportation Insurance”, with the addition of “State Road Freight Transportation Insurance, Additional Theft and Robbery Insurance”.
(2) Insurance terms:
Road Cargo Transportation Insurance Clause (2009 Edition)
Insurance target range
Article 1 Any goods transported by road in China may be the subject of insurance.
Article 2 The following goods are not specifically agreed between the insured and the insurer, and are listed on the insurance policy (voucher), not within the scope of the insurance: gold and silver, jewelry, diamonds, jade, jewelry, ancient coins, antiques, ancient books, Ancient paintings, stamps, artworks, rare metals and other precious treasures.
Article 3 The following goods are not covered by the subject-matter insured: vegetables, fruits, live animals, poultry and fish and other animals.
Insurance duty
Article 4 The insurer shall be responsible for compensation in accordance with the provisions of this article due to the loss and expenses of the insurance goods caused by the following insurance accidents:
(1) Fire, explosion, lightning, hail, storm, heavy rain, flood, tsunami, subsidence, cliff collapse, sudden landslide, mudslide;
(2) due to collision, overturning or tunneling of the means of transport, collapse of the dock, or stranding, striking, sinking or colliding due to the transfer tool during the transfer;
(3) Losses caused by accidents during loading, unloading or reloading;
(4) Loss of goods broken, bent, concave, broken or cracked due to collision or extrusion;
(5) Loss of goods lost due to ruptured packaging;
(6) Loss of leakage of the liquid cargo due to collision or extrusion, causing damage to the container (including the seal) used, or loss of deterioration of the cargo due to liquid leakage caused by the liquid-contained cargo;
(7) Loss caused by rain and rain in accordance with safe transportation regulations;
(8) In the event of the above-mentioned disaster accident, the loss of the goods due to the chaos and the direct and reasonable expenses paid for the rescue or protection of the goods.
Liability exemption
Article 5 The insurer shall not be liable for damages caused by the following reasons:
(1) war, hostile acts, military operations, seizures, strikes, riots, and looting;
(2) Losses caused by the earthquake;
(3) Loss of theft or the whole piece of goods;
(4) Loss caused by poor quality or short quantity of the insured goods before the commencement of insurance liability;
(5) Natural loss of insurance goods, loss or expense caused by essential defects and characteristics;
(6) Losses caused by falling market prices and delays in transportation;
(7) losses caused by the responsibility of the consignor;
(8) Intentional acts or illegal acts of the insured or the insured.
Article 6 The insurer shall not be liable for compensation for illegal or illegal goods as determined by the relevant state departments.
Article 7 If the other losses are not within the scope of insurance liability, the insurer shall not be liable for compensation.
Responsibility
Article 8 Insurance liability After the insurance certificate is issued, the insurance goods are transported from the last warehouse or storage place of the originating consignor, and the consignee of the destination indicated on the insurance certificate is the first in the local area. Termination when the warehouse or storage location. However, after the insurance goods arrive at the destination, if the consignee fails to pick up the goods in time, the termination period of the insurance liability is extended up to fifteen days after the insurance goods are discharged from the transportation vehicle.
Insurance value and insurance amount
Article 9 The value of insurance is the actual value of the goods, which is determined by the actual value of the goods or the actual value of the goods plus the miscellaneous fees. The amount of insurance is determined by the insured by reference to the value of the insurance and is stated in the insurance contract. The amount of insurance must not exceed the value of the insurance. If the value exceeds the insurance value, the excess is invalid, and the insurer shall refund the corresponding insurance.

Insurance fee.
Obligation of the insured and the insured
Article 10 The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries made by the insurer on the subject matter of the insurance or the relevant circumstances of the insured.
If the insured fails to perform the obligation of truthful disclosure as stipulated in the preceding paragraph due to gross negligence, which affects the insurer’s decision whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the insurance contract.
If the insured deliberately fails to perform the obligation of truthful disclosure, the insurer shall not be liable for compensation for the insured event that occurred prior to the termination of the insurance contract, and shall not refund the insurance premium.
If the insured fails to perform the obligation of truthful disclosure due to gross negligence and has a serious impact on the occurrence of the insurance accident, the insurer shall not be liable for compensation for the insurance accident that occurred before the insurance contract was terminated, but the insurance premium shall be refunded.
Article 11 The insured shall pay the insurance premium payable at the same time as the insurer or his agent issues the insurance policy (voucher). If the insured fails to deliver the insurance premium as agreed, the insurer shall not be liable for the insured event that occurred prior to the delivery of the insurance premium.
Article 12 The insured and the insured shall strictly abide by the provisions of the State and the transportation department on safe transportation and maintain the safety of the subject matter of insurance. The transportation and packaging of goods must comply with the standards set by the State and the competent authorities.
The insurer may inspect the safety status of the subject-matter insured, and submit written suggestions to the insured and the insured to eliminate unsafe factors and hidden dangers, and the insured should seriously implement it.
The insurer shall not be liable for the insured event caused by the insured’s failure to comply with the above-mentioned agreement; if the insured fails to comply with the above-mentioned agreement, the insurer shall not be liable for the loss.
Article 13 If the risk level of the insurance subject is significantly increased during the validity period of the contract, the insured shall notify the insurer in time according to the contract, and the insurer has the right to request an increase in insurance premium or termination of the contract.
If the insured fails to perform the notification obligation stipulated in the preceding paragraph, the insurer shall not be liable for the insured event arising from the significant increase in the risk level of the insurance subject.
Article 14 In the event of loss of insurance goods within the scope of insurance liability, the insured or the insured shall promptly take reasonable rescue and protection measures and immediately notify the local institution of the insurer (not later than 10 days). ).
If the nature, cause or loss of the insurance accident is not determined by intention or due to serious negligence, the insurer shall not be liable for compensation for the undetermined part, but the insurer has known or should know in time through other means. Except for insurance accidents.
Compensation treatment
Article 15 When the insured applies for a claim from the insurer, he must provide the following relevant documents:
(1) Insurance policy (voucher), waybill (ticket), bill of lading, invoice (certificate of price);
(2) Accident visas, handover acceptance records, and appraisals issued by the carrier;
(3) Warehousing records, inspection reports, loss lists and direct and reasonable cost documents paid by the escrow insurance goods;
(4) Other certificates and materials that the insured can provide in relation to the nature, cause, and extent of the loss of the insured event.
After receiving the insured’s claim for compensation, the insurer shall promptly verify whether it is an insurance liability and notify the insured of the result of the verification. In the case of complicated circumstances, the insurer fails to verify the insurance liability within 30 days after receiving the insured’s claim for compensation and providing the information required for the claim. The insurer and the insured negotiate a reasonable period according to the actual situation, and the insurer agrees. The verification result is made during the period and the insured is notified. For those who are insured, they shall perform the compensation obligation within 10 days after reaching an agreement with the insured on the amount of compensation.
Article 16 When the insurance goods are damaged within the scope of insurance liability, when the insurance amount is equal to or higher than the insurance value, the insurer shall calculate the compensation according to the actual loss, but the maximum compensation amount is limited to the insurance value; the insurance amount is lower than the insurance value. The insurer shall calculate the compensation for the amount of the loss and the salvage protection fee paid according to the ratio of the insured amount to the insured value. The amount of compensation paid by the insurer for the loss of the goods and the direct and reasonable expenses paid for the rescue or protection of the goods shall be calculated separately and shall not exceed the amount of the insurance.
Article 17 If the insurance goods are damaged within the scope of insurance liability, if the carrier or other third party is responsible for compensation for part or all of the losses according to the law or the relevant agreement, the insured shall firstly deliver to the carrier or other third. The person filed a written claim until the lawsuit. After the insurance accident occurs, the insurer shall not be liable for compensation if the insured waives the right to claim compensation from the responsible party before the insurer fails to pay the insurance premium; if the insured requires the insurer to pay compensation first, the insured shall issue the insured The equity transfer letter and the litigation and related materials that should file a claim with the carrier or a third party shall be handed over to the insurer and the insurer shall be assisted to recover the compensation from the responsible party.
Since the insured’s intentional or gross negligence causes the insurer to exercise the right of subrogation to claim compensation, the insurer may deduct the insurance compensation accordingly.
Article 18 With the agreement of both parties, the insurer may convert the interest of the remaining part of the insurance property enjoyed by the insurer to the insured and may deduct it directly from the insurance compensation.
Article 19 When a dispute arises between the insured and the insurer, the dispute shall be settled through negotiation. If the parties cannot reach an agreement, they may submit it to the arbitration organ or the court for handling.
This insurance contract applies the laws of the People’s Republic of China (excluding the laws of Hong Kong, Macao and Taiwan).
something else
Article 20 All insurance goods transported jointly by roads and other modes of transport shall be subject to the provisions of the Articles and the Railway Freight Transportation Insurance Clauses (2009 Edition) and the Waterway Freight Transportation Insurance Clauses (2009 Edition). And the Domestic Air Cargo Transportation Insurance Clause (2009 Edition).
Article 21 All agreements involving this insurance shall be in writing.

Road Cargo Transportation Insurance Additional Theft and Robbery Insurance Terms (2009 Edition)
Article 1 Insurance liability
The insurer shall be liable for the direct economic losses caused by the apparently theft, robbery, and looting of the insurance goods during the insurance period due to the obvious signs of theft, robbery, looting and the fraud of the whole vehicle.
Article 2
During the validity period of the insurance contract, the insurance liability for each transport shall be from the time when the insurance goods are shipped from the origin of the insurance certificate (insurance), to the destination of the insurance certificate (insurance). When the vehicle is away. However, after the insurance goods arrive at the destination, if the consignee fails to discharge the goods in time, the termination period of the insurance liability is calculated to be extended by up to 48 hours from the time of arrival at the destination.
Article 3 Liability exemption
The insurer shall not be liable for damages caused by the following reasons:
1. Insurance goods are requisitioned, fined and detained by relevant government departments;
2. The insured or the driver has a civil dispute with another person;
3. Intentional acts or criminal acts of the insured or the insured;
4. Other reasons that are not covered by insurance coverage.
Article 4 Obligations of the insured or the insured
1. After the insured or the insured is informed or should be informed of the loss within the insurance liability of the insurance goods, they shall immediately report the case to the local public security department and notify the insurer at the same time. If the nature, cause or loss of the insurance accident is not determined by intention or due to serious negligence, the insurer shall not be liable for compensation for the undetermined part, but the insurer has known or should know in time through other means. Except for insurance accidents.
2. When the goods are lost, the insured or the insured shall take active and effective measures to stop the loss of the goods further.
Expand, otherwise the insurer will not be liable for damages.
Article 5 Compensation Treatment
1. When the insured claims from the insurer, he must provide the certificate issued by the public security department in the place where the insurance is insured; the whole vehicle is deceived.
The certificate issued by the public security criminal investigation department at or above the county level (including county level) shall be provided. Otherwise, the insurer has the right to be liable for some or all of the economic losses.
2. The direct economic loss of insurance goods caused by theft, robbery or looting within the scope of this additional insurance liability,
After the insured reported the case for 30 days, it could not be detected, and the insured issued the theft, robbery, smashing accident report, loss list, the public security department’s certification materials and other nature and reasons for the confirmed insurance accident. After the relevant certificates and materials such as the degree of loss, the insurer will provide compensation. The direct economic loss of the insurance goods caused by the cheating of the whole vehicle must be verified by the public security criminal investigation department at or above the county level (including the county level) for three months. The insured person issues the certification materials of the public security department and the insurer thinks it is necessary. The insurer will compensate the other documents.
3. The insurance goods recovered by the public security department shall be negotiated.
4. When the insurance goods are damaged within the scope of insurance liability, the relevant provisions for compensation for the main insurance clauses shall be compensated.
Calculate the amount of compensation. The compensation for stolen and robbed goods is subject to a 20% absolute deductible, and the compensation for the whole vehicle is 30% absolute deductible.
Article 6 Other matters
This clause is an additional clause of the Road Freight Transportation Insurance Clause (2009 Edition) and the Domestic Freight Transportation Highway Fixed Insurance Clause (2009 Edition). In the event of any inconsistency between these Terms and Conditions, these Terms shall prevail and the other unfinished matters shall be subject to the terms of the principal insurance.

The content is translated by Google. For more information, please contact DEER EXPRESS

Overseas transportation insurance clauses (up to $500,000 for a single payment)

First, the name of the insured:
Deer Express Co., Ltd.;
Second, the nature of business: international freight forwarders
Third, the transportation route and method
Transportation route (insurance coverage area): outside the People’s Republic of China (including Hong Kong, Macao, Taiwan, and Southeast Asia)
Mode of transport: mainly road transport
Fourth, the compensation limit
Compensation limit per incident: USD 500,000.00
Accumulated annual limit: USD 600,000.00
Among them: error, omission and fines liability for each accident compensation limit: USD20,000.00.
V. Deductible:
1. The absolute deductible for each accident of the main insurance is USD 1500 or 10% of the loss, whichever is higher.
6. The insurance period is from 0:00 on the day of the month of 2019 to twenty-four o’clock on the day of the month of 2019.
Eight, operating income:
Estimated operating income of international freight forwarding business during the insurance period:
RMB ,000,000.00 RMB
9. Prepaid insurance premium (minimum premium)
RMB 0000 yuan
X. Jurisdiction
Jurisdiction of the People’s Republic of China (except Hong Kong, Macao and Taiwan)
XI. Dispute resolution
litigation
Twelve: Terms:
Property Insurance Co., Ltd. “International Freight Forwarder Liability and Bill of Lading Liability Insurance” Clause
XIII. Special agreement
The insured and the insured shall recognize the following special agreement; where the other parts of the insurance contract conflict with this special agreement, this special agreement shall prevail; if the special agreement is not fulfilled, the other parts of the insurance contract shall prevail:
1) The mysterious disappearance of the goods (including the disappearance of the whole vehicle) and the storage responsibility are not covered by the insurance policy of this policy.
2) The insured must entrust the relevant business to a carrier that is qualified in the local country, otherwise the insurer is not responsible for any losses, expenses and liabilities caused by the compensation.
3) Except for the written consent of the insurer, the insurer shall not be liable for any loss, expense and liability caused by theft of clothing, shoes, hats, leather goods, mobile phones and electronic accessories in non-enclosed vans (containers).
4) Fishmeal, fresh-lived items, animals and plants, blood products, automobile vehicles, and domestic imported precision instruments/equipment without maintenance capacity (excluding those produced in China but repaired outside the country) are not covered by the insurance.
5) If the insured or the insurer informs the other party in advance, the policy may be cancelled 30 days after the date of receipt of the other party (subject to the receipt).
6) The insurance coverage of this policy is outside the territory of the People’s Republic of China (including Hong Kong, Macao and Taiwan) and arrives at the receiving destination of the territory of the People’s Republic of China (excluding Hong Kong, Macao and Taiwan) in accordance with the bill of lading. The insurance liability is terminated.
7) With the agreement of both parties, the estimated turnover of this policy is RMB 7 million, firstly based on the turnover of RMB 7 million, that is, the minimum premium of RMB 70,000 is pre-received. If the actual turnover of the insured exceeds RMB 7 million, the insurance premium shall be in accordance with the insurance premium. The rate of replenishment of the turnover will increase part of the premium, otherwise the insurer will make a proportional payment according to “(estimated turnover/actual turnover)* fixed loss amount – deductible” after the accident.
8) Additional Sanctions Limits and Exclusions: Insurance, indemnity payments or insurance benefits will cause the insurer (reinsurer) to violate the UN sanctions ban, or EU, UK or US trade or economic sanctions, laws or regulations, then insurance The person (reinsurer) will be deemed not to provide such protection and will not be liable for payment of indemnity or insurance.
9) The subject matter of the insurance does not include the following items:
1. Gold and silver, gold and silver products, commemorative coins, jewellery, diamonds, jade, precious metals, jewelry, ancient coins, antiques, ancient books, ancient paintings, stamps, works of art, rare metals, cultural relics, antiques, cash, securities , bills, documents, archives, books, drawings, technical materials, jade carving crafts, jade products, famous paintings, ancient fossils, porcelain, old carpets, all kinds of handicrafts and other goods whose value cannot be determined or whose value changes greatly during the insurance period;
2. Fishmeal, soybean meal, perishable and easy-to-eat products, all kinds of bulk agricultural products (corns, peanuts, soybeans and other cereals, food crops, rapeseed cake, dried sweet potatoes, dried cassava, vegetables, etc.);
3. Perishable products (including sea cargo, fresh goods, etc.), perishable, such as frozen products, meat, fruits, etc.;
4. Animals and plants and animal products, blood products, vaccines;
Explosives, radioisotopes, flammable, explosive dangerous goods, military weapons or equipment, alcohol, gasoline, kerosene, diesel, matches;
5. Commodity cars, ships, yachts, aircraft, etc.
6. Logs, raw cotton, natural rubber, wood, etc.;
7. Extra wide or super high cargo;
8. Various compressed gases;
9. Bulk chemical goods, such as coal; ore/sand; petroleum and diesel, asphalt, tar and other petroleum refining products, feed, fertilizer, etc.;
10. Any insured person who does not have the qualification to carry the qualification.

International freight forwarding certificate

Our company insures the bill of lading liability insurance. The estimated operating income of the international logistics business within the term of the policy is RMB 10,000. Please use this as the basis to negotiate with the insurer to collect the prepaid insurance premium (minimum premium).

Our company knows:
The insurer shall give the corresponding quotation with the annual operating income reported by the insured. If the accumulated monthly operating income generated by the insured exceeds 1.1 times of the “annual operating income/12* cumulative monthly” during the insurance period, it shall be three in advance. The insured shall inform the insurer in writing on the working day, and the corresponding insured premium shall be paid after the insurer has passed the examination; if the insured fails to inform the insurer of the actual operating income in time, the insurer has the right to follow the “expected operating income and The proportion of actual operating income is paid on the basis of the final loss amount of the accident case.
Our company will provide assistance and assistance in the verification of the actual business income of the logistics business as required by the insurer.

Insured (insured):

Taiping Property Insurance Co., Ltd. International Freight Forwarder Liability and Bill of Lading Liability Insurance Clause
General
Article 1 This insurance is specially organized to reduce and resolve the operational risks of international freight forwarding agencies.
Article 2 All international freight forwarding companies established and independently operated in accordance with the Regulations of the People’s Republic of China on the Administration of International Freight Forwarding of the People’s Republic of China and other relevant laws and regulations and the inclusion of international goods in the territory of the People’s Republic of China (excluding Hong Kong, Macao and Taiwan) The enterprise that manages the transportation agent registration can become the insured of this insurance.
Article 3 This insurance contract consists of insurance clauses, insurance policies, insurance policies, approval documents and special agreements. Any agreement concerning this insurance contract shall be in writing.
Insurance duty
Article 4 During the insurance period of this contract, the insured and its agents, as agents of international cargo transportation, accept the entrustment of the principal and provide the international cargo transportation agency business service process, the following circumstances lead to the direct loss of the principal, according to law The indemnity shall be liable for the economic compensation of the insured, and the insurer shall be liable for compensation within the agreed liability limit in accordance with the provisions of this insurance contract:
(1) Loss of additional transportation costs due to unsent, wrong, wrong or wrong delivery of goods during the arrangement of the cargo transportation agency business, but does not include the loss of goods resulting therefrom;
(2) Loss of related expenses caused to the client by omission, error control and issuance of relevant documents and documents;
(3) Having agreed in writing on the date or time of delivery of the goods, the loss of transportation costs caused by the insured’s failure to deliver the goods;
(4) causing loss to the client (including the cause) in the port, airport or warehouse (including the warehouse owned by the insured or the warehouse or site where the temporary storage of others is commissioned), supervision, storage, storage and storage. Loss caused by theft or robbery);
(5) Loss of goods caused to the client by mistakes in unpacking, packing and consolidation operations in the container transportation business;
(6) During the transportation or storage process, due to improper or insufficient packaging of the goods, the goods may be rolled over, rolled, slipped, collided, crushed or worn, or even lost, and the goods caused to the client shall be lost;
(7) In the process of customs declaration, due to the negligence of the insured, the violation of the relevant import and export regulations or customs declaration requirements of the state, causing the principal to be levied by the authorities to impose additional tariffs, resulting in the loss of the client;
(8) The loss of the tax refund of the principal (or the consignor) due to the declaration or operation of the insured.
(9) Defrauded by the owner (freight forwarding) when accepting the booking, the fraud is only a false report (reporting) the loss of the goods other than the loss of the goods (including but not limited to the storage fee, return shipping, transit Fees, fines and related litigation costs).
Article 5 During the period of this insurance, the insured and his agent shall be in the process of carrying out the cargo transportation agency business, and issue the international freight forwarding bill of lading, freight bill, air cargo sub-consignment and other transport documents or the independent operation. Person’s liability, or the importation of the goods by the foreign agent on behalf of the insured to issue the foreign agent’s bill of lading on behalf of the insured, except for the various obligations stipulated in Article 4, the goods under the above transport documents are caused by the following events. The direct loss shall be the economic compensation liability borne by the insured in accordance with the law. The insurer shall also be responsible for compensation within the agreed liability limit according to the provisions of this insurance contract:
(1) Fires and explosions;
(2) Stealing, picking up goods, and robbing;
(3) collision, derailment, overturning, falling, stranding, reefing, sinking, or collapse of roads, tunnels, bridges, and docks;
(4) The goods are subjected to vibration, collision, crushing, falling, overturning, causing breakage, bending, dent, breakage, scattering, cracking, leakage, contamination, packaging rupture or damage to the container;
(5) The loading and unloading personnel carry out loading and unloading and handling in violation of the operating procedures;
(6) suffering from water damage in compliance with transportation safety management regulations;
(7) Mis-delivery, mis-transportation, and mis-delivery result in the inability to recover or recover the cost of the goods beyond the value of the goods;
(8) Improper packing, unpacking, consolidation, delivery/receiving of goods, loading, stowage, loading, unloading, storage, moving, packaging or reinforcement;
(9) When the goods are handed over, the quantity is found to be short and damaged;
(10) Reasons for refrigerating machinery and equipment cause the goods to rot and deteriorate;
(11) Mechanical failures caused by improper operation or use of machinery;
(12) Loss of container cargo (including LCL cargo) due to the non-single delivery and the litigation and compensation costs incurred as a result.
Article 6 The necessary and reasonable rescue or protection expenses paid by the insured for preventing or reducing the liability for the loss of goods or related expenses at the time of the accident, and other expenses previously agreed by the insurer in writing (hereinafter referred to as the following) “Rescue expenses”, the insurer is responsible for compensation in accordance with the provisions of this insurance contract.
Article 7 After an insurance accident occurs, if the insured is brought into arbitration or litigation due to an insurance accident, it shall correspond to the arbitration or litigation expenses paid by the insured and other necessary and reasonable expenses (hereinafter referred to as “legal fees”). With the prior written consent of the insurer, the insurer is also responsible for compensation in accordance with this insurance contract.

Liability exemption
Article 8 The insurer shall not be liable for compensation for losses, expenses or liabilities caused by the following reasons:
(1) the intentional conduct of the insured and its representatives and employees;
(2) Administrative acts or judicial acts;
(3) The illegal act of the insured or his agent;
(4) Natural disasters;
(5) Deterioration, mildew, moisture, rust, insects, natural wear, natural loss, spontaneous combustion, fading, odor caused by the natural characteristics, potential defects or improper packaging of the consigned goods;
(6) War, similar acts of war, hostile actions, military operations, armed conflicts, strikes, riots, riots, coups, rebellions, terrorist activities;
(7) Nuclear radiation, nuclear fission, nuclear fusion, nuclear pollution and other radioactive contamination;
(8) Atmospheric, land, water pollution and other various types of pollution;
(9) According to the Maritime Law or relevant international practices, the carrier (whether the contract carrier or the actual carrier) shall be exempt from liability or enjoy the limitation of maritime liability.
Article 9 The insurer shall not be liable for compensation for the liability of the insured for the following goods:
(1) gold and silver, jewellery, diamonds, jade articles, precious metals;
(2) antiques, ancient coins, ancient books, ancient paintings;
(3) Art works and stamps;
(4) Firearms, ammunition and explosives;
(5) Cash, cheques, credit cards, securities, notes, documents, files, books, drawings;
(6) Nuclear materials;
(7) various types of data, application software and system software stored in computers and other media;
(8) Live animals, livestock, poultry and other animals.
If the above goods need to be insured, they must be declared to the insurer. After the insurance company has reviewed and agreed in writing, it will be underwritten.
Article 10 The insurer is not responsible for compensation in the following circumstances or circumstances:
(1) Any personal injury or mental compensation;
(2) Loss or expenses of goods stored in the open air, except for goods stored in the open air in accordance with industry practice;
(3) Losses and expenses caused by the storage of goods stored in the ship’s cabin on the deck during the transportation of waterways;
(4) The responsibilities as stipulated in the agreement signed between the insured and the client or other third parties, but the liability that should be borne by the insured is not limited even if there is no such agreement;
(5) Fines, fines and punitive damages other than Article (7);
(6) The deductible stated in the insurance contract;
(7) any property loss and liability of the insured’s own or possessing actual ownership or use rights;
(8) The insured has no valid international cargo transportation agency business qualifications or engages in international cargo transportation agency business beyond the scope of the license business;
(9) The insured person engages in international cargo transportation agency business beyond the agency authority;
(10) The insured entrusts the relevant business to the agent, carrier, warehouse lessor, shipping company and other entities that are illegal or have no corresponding business qualifications.
Article 11 shall be the responsibility of the international cargo transport agent to be exempted from the scope of international conventions, the Rules for the Transport of Domestic Waterways and Goods, the Rules for the Transport of Motor Cargo and the Rules for the Administration of Railway Freight Transport and other relevant laws and regulations. Responsible for compensation.
Article 12 The insurer shall not be liable for any loss, expense or liability that is not within the scope of insurance liability.
Limit of liability and deductible
Article 13 The sum of the compensation amount assumed by the insurer for each accident shall not exceed the limit of liability for each accident as stipulated in this insurance contract. The sum of the compensation amount assumed by the insurer during the insurance period shall not exceed the cumulative liability limit agreed upon in the insurance policy. .
Article 14 The deductible for each accident shall be determined by the insured and the insurer at the time of signing the insurance contract and shall be stated in the insurance contract.
within insurance
Article 15 Unless otherwise agreed, the insurance period is one year, whichever is the starting time specified in this insurance contract.

insurance
Article 16 Unless otherwise agreed, the insured shall, at the time of the establishment of this insurance contract, pay the insurer a one-time insurance premium as stated in the insurance policy. The insurance premium is estimated based on the insured’s previous year’s turnover. The insurer shall not be liable for compensation for the insured event that occurs before the insurance premium is paid.
After the expiration of the insurance period, the insured shall notify the insurer in writing of the actual total turnover of the insured during the insurance period as the basis for calculating the actual insurance premium. If the actual insurance premium is higher than the estimated premium, the insured shall pay the difference; if the actual premium is lower than the estimated premium, the insurer shall include the difference.
Returned to the policyholder, but in any case, the actual insurance premium is not less than the minimum premium stated in the policy.
Insurer’s obligation
Article 17 After the insurance contract is established, the insurer shall issue an insurance policy or other insurance certificate to the insured in a timely manner.
Article 18 The right of contract cancellation obtained by the insurer in accordance with Article 22 of this Insurance Clause shall be extinguished if the insurer knows that there is a reason for the dismissal and does not exercise for more than 30 days.
If the insurer knows that the insured has not truthfully informed the insurance contract at the time of the conclusion of the insurance contract, the insurer shall not terminate the contract; if an insured event occurs, the insurer shall be liable for compensation.
Article 19 After an insurance accident occurs, if the insured and the insured provide incomplete evidence and information about the claim, the insurer shall promptly notify the insured and the insured to provide the insured in a lump sum.
Article 20 After receiving the claim of compensation from the insured, the insurer shall promptly verify whether it is an insurance liability and notify the insured of the result of the verification. If the situation is complicated, the insurer fails to verify the insurance liability within 30 days after receiving the insured’s claim for compensation. The insurer and the insured negotiate a reasonable period according to the actual situation, and the insurer makes the verification result within the agreed period. Notify the insured. For those who are insured, they shall perform the compensation obligation within 10 days after reaching an agreement with the insured on the amount of compensation.
After the insurer has made the verification in accordance with the provisions of the preceding paragraph, if it is not the insurance liability, it shall, within three days from the date of the verification, issue a notice of refusal of the insurance premium to the insured and explain the reasons.
Article 21 If the amount of the indemnity insurance cannot be determined within 60 days from the date of receipt of the claim for compensation insurance and relevant certificates and materials, the insurer shall firstly determine the amount according to the existing certificates and materials. The payment shall be made; after the insurer finally determines the amount of compensation, the corresponding difference shall be paid.

Insured and insured obligations
Article 22 The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries of the insurer regarding the turnover of the insured involved in the insurance contract, and fill in the insurance policy truthfully.
The insurer has the right to terminate the contract if the insured fails to perform the obligation of truthful disclosure as stipulated in the preceding paragraph due to gross negligence, which may affect the insurer’s decision whether to agree to underwrite or increase the insurance rate. The insurance contract is released when the insurer’s notice of termination reaches the insured or the insured.
If the insured deliberately fails to perform the obligation of truthful disclosure, the insurer shall not be liable for compensation for the insured event that occurred prior to the termination of the contract, and shall not refund the insurance premium.
If the insured fails to perform the obligation of truthful disclosure due to gross negligence and has a serious impact on the occurrence of the insurance accident, the insurer shall not be liable for compensation for the insurance accident that occurred before the contract is terminated, but the insurance premium shall be refunded.
Article 23 The insured shall properly accept, keep, arrange and dispose of the goods within the scope of the international cargo transportation agency contract. If the due diligence is not fulfilled in accordance with the contract, the insurer has the right to request an increase in insurance premiums or to terminate the insurance contract.
Article 24 During the insurance period, if there is a change in the important items of the insurance that affects the insurer’s decision whether to continue to insure or increase the insurance premium, or other circumstances that cause the risk of the insurance subject to increase significantly, the insured shall promptly notify in writing. The insurer has the right to request an increase in insurance premiums or to terminate the contract. Where the insurer requests to terminate the insurance contract, the insurer shall collect the insurance premium according to the ratio of the period from the commencement of the insurance liability to the date of termination of the contract and the period of the insurance period, and refund the remaining insurance premium.
If the insured fails to perform the above-mentioned notification obligation, the insurer shall not be liable for compensation for the occurrence of an insured event due to the significant increase in the degree of danger caused by the change of the above important matters.
Article 25 Once the insured knows or should be aware of the client’s economic loss accident or cargo loss accident within the scope of insurance liability, it shall:
(1) Try to take necessary and reasonable measures to prevent or reduce losses. Otherwise, the insurer shall not be liable for compensation for the losses caused thereby;
(2) Immediately notify the insurer and explain in writing the cause, passage and loss of the accident; if the intention or the failure is not notified in time, the nature, cause and extent of the accident are difficult to determine, the insurer cannot determine The part that does not bear the liability for compensation, but the insurer has known in other ways through other means or should know in time that the accident occurred;
(3) In the event of a theft or robbery accident, it shall immediately report the case to the local public security organ or administrative department and obtain a certificate of its case or accident. Otherwise, the insurer shall not be liable for compensation for the liability for expansion that has not been reported in time;
(4) Protecting the scene of the accident, allowing and assisting the insurer to conduct an accident investigation. The insurer shall not be liable for compensation for refusing or obstructing the insurer to conduct an accident investigation that cannot determine the cause of the accident or verify the loss.
Article 26 When the insured receives a claim for damages from the claimant, he shall immediately notify the insurer. The insurer is not bound by any promise, refusal, bid, agreement, payment or compensation made by the insured to the claimant without the written consent of the insurer. The insurer has the right to re-approve the amount of compensation promised or paid by the insured, and does not fall within the scope of this insurance liability or exceeds the compensation limit. The insurer shall not be liable for compensation. In the process of processing claims, the insurer has the right to handle any claim for which it is ultimately liable, and the insured is obliged to provide the insurer with the information and assistance it can provide.
Article 27 When the insured is informed that litigation or arbitration may occur, the insurer shall immediately notify the insurer in writing. After receiving a court summons or other legal documents, a copy of it should be sent to the insurer in a timely manner. The insurer has the right to deal with the litigation or arbitration in the name of the insured. The insured shall provide relevant documents and provide necessary assistance.
The insurer shall not be liable for damages caused by the failure to provide the above notice or necessary assistance in a timely manner.
Article 28 After an insurance accident occurs, when the insurer is required to compensate according to this insurance contract, the insured and the insured shall submit:
(1) an insurance policy;
(2) Claims for compensation;
(3) Proof of accident issued by the relevant department;
(4) Loss list, loss proof materials, payment vouchers (related fee invoices, etc.);
(5) The corresponding cargo transportation contract and international cargo transportation agency contract (if any);
(6) relevant legal documents (rulings, awards, mediations, judgments, etc.) or settlement agreements (if any);
(7) The financial statements of the insured in the previous year;
(8) Certificates and materials that can be provided by other policyholders and insured persons in relation to the nature, cause and degree of loss of the insurance accident.
If the insured and the insured fail to perform the obligation to provide the documents as stipulated in the preceding paragraph, and the insurer is unable to verify the loss, the insurer shall not be liable for the inability to verify the part.
Article 29 The insured shall truthfully explain to the insurer the circumstances of other insurance contracts related to the insurance liability of this insurance contract when requesting compensation. If the unintelligible statement causes the insurer to pay more insurance, the insurer has the right to recover the overpaid portion from the insured.
Article 30 Where the loss within the scope of insurance liability shall be the responsibility of the responsible party, the insured shall exercise or retain the right to request compensation from the responsible party.
After the insurance accident occurs, the insurer shall not be liable for compensation if the insured waives the right to claim compensation from the responsible party before the insurer fails to perform the compensation obligation.
After the insurer compensates the insured for the insurance premium, the insured shall revoke the right to claim compensation from the responsible party without the consent of the insurer, and the act shall be invalid.
When the insurer exercises the right of subrogation to claim compensation from the responsible party, the insured shall provide the insurer with the necessary documents and relevant information known to them.
The insurer may deduct or demand the return of the corresponding compensation amount because the insured’s intention or gross negligence causes the insurer to exercise the right to claim compensation in subrogation.

Compensation treatment
Article 31 The insurer’s compensation shall be based on the insured’s liability determined in one of the following ways:
(1) The insured and the relevant stakeholders who have filed a claim for damages are consulted and confirmed by the insurer;
(2) The arbitral award;
(3) The judgment of the people’s court;
(4) Other ways approved by the insurer.
Article 32 The insurer’s acceptance of reports, on-site investigations, pricing of nuclear damages, participation in litigation, and advice to the insured are not considered as insurers’ recognition of insurance liability.
Article 33 If the insured causes losses to the entrusting party and the insured fails to compensate the entrusting party, the insurer shall not be liable to compensate the insured for the insurance premium.
Article 34 In the event of loss within the scope of insurance liability, the insurer shall calculate the compensation in the following manner:
(1) For the losses caused by each accident, the insurer shall calculate compensation within each liability limit of the accident;
(2) If the sub-responsibility limit is agreed and the sub-responsibility limit is applied, the insurer’s compensation for each accident shall not exceed the sub-responsibility limit;
(3) On the basis of calculations in accordance with items (1) and (2) of this Article, the insurer shall make compensation after deducting the deductible for each accident.
The insurer shall only deduct the loss caused by each accident, including the rescue expenses incurred and the legal expenses deductible;
(4) During the insurance period, the insurer’s cumulative compensation for multiple accident losses shall not exceed the cumulative liability limit.
Article 35 The insurer shall calculate the compensation expenses and legal expenses incurred in the event of an insurance accident as follows:
(1) The amount of compensation for the cost of each accident rescue shall be calculated separately by the insurer in accordance with the amount actually incurred by the insured in addition to the amount of compensation calculated by Article 34, subject to the limit of liability for each accident;
(2) The amount of compensation for the legal expenses of each accident shall be calculated separately by the insurer in addition to the amount of compensation calculated in Article 34 according to the actual amount incurred by the insured, but the maximum shall not exceed 30% of the liability limit for each accident.
Article 36 After receiving the claim of compensation from the insured, the insurer shall promptly verify whether it is an insurance liability and notify the insured of the result of the verification. If the situation is complicated, the insurer fails to verify the insurance liability within 30 days after receiving the insured’s claim for compensation. The insurer and the insured negotiate a reasonable period according to the actual situation, and the insurer makes the verification result within the agreed period. Notify the insured. For those who are insured, they shall perform the compensation obligation within 10 days after reaching an agreement with the insured on the amount of compensation.
After the insurer has made the verification in accordance with the provisions of the preceding paragraph, if it is not the insurance liability, it shall, within three days from the date of the verification, issue a notice of refusal of the insurance premium to the insured and explain the reasons.
Article 37 In the event of an insured event, if the insured’s loss can be compensated under other insurances of the same guarantee, the insurer shall, in accordance with the cumulative liability limit of the insurance contract and the cumulative liability limit of all relevant insurance contracts. The proportion of the sum is responsible for the liability.
The insurer is not responsible for the amount of compensation that other insurers should bear.
Article 38 The time limit for the action of the insured to claim compensation from the insurer shall be two years, counting from the date on which the insured event is known or should be known.

Dispute resolution
Article 39 The dispute arising from the performance of this insurance contract shall be settled by the parties through negotiation. If the negotiation fails, the arbitration institution shall file the arbitration as stated in the insurance policy; if the insurance policy does not specify the arbitration institution and the arbitration agreement has not been reached after the dispute occurs, it shall be brought to the people’s court for legal action.
Article 40 The disputes in this insurance contract shall be governed by the laws of the People’s Republic of China (excluding the laws of Hong Kong, Macao and Taiwan).

something else
Article 41 Before the commencement of insurance liability, if the insured requires the termination of the insurance contract, the insurer shall pay the surrender fee equivalent to 5% of the insurance premium, and the insurer shall refund the remaining part of the insurance premium; after the insurance liability begins, the insurance shall be insured. If a person requests to terminate the insurance contract, the insurance contract shall be terminated from the date of notification to the insurer. The insurance premium shall be collected by the insurer at the short-term rate from the date of commencement of the insurance liability to the date of termination of the contract, and the remaining insurance premium shall be refunded. .

Interpretation
The following definitions apply when this insurance contract refers to the following terms:
[Principal] means the person who accepts the goods transport agent and related business services provided by the insured, including but not limited to the owner of the goods, the shipper, the consignor, the consignee or his agent.
[Goods] The goods referred to in this insurance include, in addition to the goods themselves, containers, pallets or similar shipping equipment provided by the shipper for the loading of goods.
[Every accident] refers to an accident or a series of accidents caused by the same incident.
[Theft, robbery] There are obvious signs of embarrassment, embarrassment, etc., and the public security department has proved that it is the act of theft and robbery.
[Natural disasters] Lightning strikes, storms, heavy rains, floods, hail, ice, mudslides, cliffs, sudden landslides, volcanic eruptions, sudden collapse of the ground, earthquakes, tsunamis, and other irresistible destructive forces.
[Explosives] means those containing pyrotechnic ingredients, including but not limited to detonators, fireworks, and explosives.

Appendix: Short-term rate table
Insurance
Period One month Two months Three months Four months Five months Six months Seven months Eight months Nine months Ten months Eleven months Twelve months
Percentage of annual rates 10 20 30 40 50 60 70 80 85 90 95 100
Note: The part less than one month is charged in one month.