中国太平洋财产保险股份有限公司

1、中国太平洋财产保险股份有限公司陆上运输货物保险条款（火车、汽车）、责任范围本保险分为陆运险和陆运一切险二种。被保险货物遭受损失时，本保险按保 险单上订明承保险别的条款规定，负赔偿责任。（一）陆运险本保险负责赔偿:1. 被保险货物在运输途中遭受暴风、 雷电、洪水、地震自然灾害或由于运输工 具遭受碰撞、倾覆、出轨或在驳运过程中因驳运工具遭受搁浅、触礁、沉没、碰 撞，或由于遭受隧道坍塌，崖崩，或失火、爆炸意外事故所造成的全部或部分损 失。2. 被保险人对遭受承保责任内危险的货物采取抢救，防止或减少货损的措施而 支付的合理费用，但以不超过该批被救货物的保险金额为限。（二）陆运一切险除包括上列陆运险的责

2、任外，本保险还负责被保险货物在运输途中由于外来 原因所致的全部或部分损失。、除外责任本保险对下列损失不负赔偿责任:（一）被保险人的故意行为或过失所造成的损失。（二）属于发货人责任所引起的损失。（三）在保险责任开始前，被保险货物已存在的品质不良或数量短差所造成 的损失。（四）被保险货物的自然损耗、本质缺陷、特性以及市价跌落、运输延迟所 引起的损失或费用。（五）本公司陆上运输货物战争险条款和货物运输罢工险条款规定的责任范 围和除外责任。三、责任起讫本保险负“仓至仓”责任，自被保险货物运离保险单所载明的起运地仓库或 储存处所开始运输时生效，包括正常运输过程中的陆上和与其有关的水上驳运在 内，直至该项

3、货物运达保险单所载目的地收货人的最后仓库或储存处所或被保险 人用作分配、分派的其他储存处所为止。如未运抵上述仓库或储存处所，则以被 保险货物运抵最后卸载的车站满六十天为止。四、被保险人的义务被保险人应按照以下规定的应尽义务办理有关事项，如因未履行规定的义务 而且影响本公司利益时，本公司对有关损失有权拒绝赔偿。（一）当被保险货物运抵保险单所载目的地以后，被保险人应及时提货，当 发现被保险货物遭受任何损失，应即向保险单上所载明的检验、理赔代理人申请 检验。如发现被保险货物整件短少或有明显残损痕迹，应即向承运人、受托人或 有关当局索取货损货差证明。如果货损货差是由于承运人、受托人或其它有关方 面的责

4、任所造成，应以书面方式向他们提出索赔，必要时还需取得延长时效的认 证。（二）对遭受承保责任内危险的货物，应迅速采取合理的抢救措施，防止或 减少货物损失。（三）在向保险人索赔时，必须提供下列单证：保险单正本、提单、发票、装箱单、磅码单、货损货差证明、检验报告及索 赔清单。如涉及第三者责任还须提供向责任方追偿的有关函电及其它必要单证或 文件。五、索期赔限本保险索赔时效，自被保险人知道保险事故发生之日起，最多不超过两年。OVERLAND TRANSPORTATIONCARGO INSURANCE CLAUSES(TRAIN, TRUCK)I. Scope of CoverThis in sura n

5、ee is classified into two con diti on s-Overla ndTranspo rtati on Risks and Overla ndTransp ortati on All Risks. Where the goods in sured hereu nder susta in loss or damage .the Company shall undertake to indemnify therefor according to the Insured condition specified in the Policy and the pr ovisi

6、ons of these Clauses:1. Overla nd Transpo rtati on RisksThis in sura nee covers:1) Total or p artial loss of or damage to the in sured goods caused in the course of transpo rtati on by n atural calamities-w in dstorm, light ning, earthquake, flood etc., or by accide nts, collisi on, overtur ning or

7、derailment of the conveyanee, including grounding, stranding, sinking or collision of the craft in case crafts are emplo yed an d/or colla pse of tunn el, la ndslide, fire, expl osi on etc.2) Reas on able cost in curred by the In sured in salv ing the goods or avert ing or mini miz ing a loss recove

8、rable un der the Policy, p rovided that such cost shall not exceed the sum In sured of the con sig nment so saved.2. Overla nd Transpo rtati on All RisksAside 1rom the risks covered un der the Overla nd Tra nspo rtati on Risks as above. this in sura nee also covers all risks of loss of or damage to

9、the in sured goods whether p artial or total .aris ing from exter nal causes in the course of tran sit.II. ExclusionsThis in sura nee does not cover:1. Loss or damage caused by the inten ti onal act or fault of the In sured.2. Loss or damage falli ng un der the liability of the con sig nor.3. Loss o

10、r damage aris ing from the quality or shortage of the in sured goods p rior to the attachme nt of this in sura nee.4. Loss or damage aris ing from no rmal loss in here nt vice or n ature of the in sured goods loss of market an d/or delay in tra nsit and any expen ses aris ing therefrom.5. Risks and

11、liabilities covered and excluded by the Overland Transportation Cargo War RisksClauses and Strike, Riot and Civil Commotio n Clauses of this Company.III. Commencement and Termination of CoverWarehouse to warehouse clause:This in sura nee attaches from the time the goods hereby in sured leave the war

12、ehouse or pl ace of storage n amed in the P olicy for the comme nceme nt of the tran sit and contin ues in force in the ordinary course of transit including incidental transit by craft until the insured goods are delivered to the Con sig nees final warehouse or p lace of storage at the dest in ati o

13、n n amed in the Po licy or to any other p lace used by the In sured for allocati on or distributi on of the goods. This in sura nee shall, however, be limited to sixty (60) days upon arrival of the insured goods at the final station of discharge before the in sured goods reach the Con sig nees wareh

14、ouse.IV. Duty of the InsuredIt is the duty of the In sured to atte nd to all matters as sp ecified hereu nder, faili ng which the company reserves the right to reject his claim for any loss if and when such failure prejudice the rights of theCompany: 1. The Insured shall take delivery of the insured

15、 goods in good time upon their arrival at the port of desti nati on n amed in the P olicy .In the eve nt of any damage to the goods the In sured shall immediately apply for survey to the Survey an d/or Settli ng Agent st ip ulated in the P olicy. If the in sured goods are found short in en tire p ac

16、kage or p ackages or to show app are nt traces of damage, the In sured shall obta infrom the carrier, bailee or otherreleva nt authorities certificate of loss or darliage an d/or short delivery.Should the carrier, bailee or the other releva nt authorities be respon sible for such shortage or damage,

17、 theIn sured shall lodge a claim with them in writi ng.2. The In sured shall and the Company may also take reas on able measures immediately in salvi ng the goods or pr eve nti ng or mini miz ing a loss or damage thereto.3. The follow ing docume nts should acco mpany any claim hereu nder made aga in

18、st this Company:Origi nal P olicy. Con sig nment Note, I nvoice, P ack ing List, Weight Memo, Certificate of Loss or Damage an d/or Short Delivery, Survey Rep ort, Stateme nt of Claim.from such party shouldIf any third party is involved, documents relative to pursuing of recovery also be in cluded.V

19、. The Time of Validity of a ClaimThe time of validity of a claim un der this in sura nee shall not exceed a p eriod of two years cou nti ng from the day on which the in sured knew that the risk in sured aga inst had occurred.中国太平洋财产保险股份有限公司陆上运输货物保险费率方案（火车、汽车）、基本费率1、陆运险：0.05%陆运一切险：0.08%、风险因子及调整系数序号风险

20、因子调整系数-一一标的粮油及土畜产类0.5-4轻工品类0.3-3纺织品类0.2-2.5五金矿产类0.8-5工艺品=2机械设备类0.8-3化工品类0.8-3危险品类=1.5其他类0.5-5二二二航程市内0.1-1省内0.3-2沿海0.5-3近洋0.8-3.5远洋1-4转运1-5-三启运地、目的地所属区域经济发达地区0.5-0.9经济发展中地区0.9-1.1经济落后地区1.1-1.5四运输工具状况0.5-4五装载方式咼风险=1.5低风险0.3-1.5、 六包装方式包装较差1.5-2包装一般1.0-1.5包装较好0.5-1.0七免赔情况0.3-5八赔付率0%-25%100%1.8九预期业务量0.5-1十客户类型协议客户0.5-1一揽子客户0.5-1续保客户0.5-1保险费计算保额乘以基本费率再乘以各风险因子调整系数后确定主险保险费。保单中有多个主险的，以主险费率中最高的为准，不叠加收费。沁园春雪北国风光,千里冰封,里雪飘。望长城内外,惟余莽莽;大河，顿失滔滔。山舞银蛇， 原驰蜡象，欲与天公试 比高。须晴日，看红装素裹，分外妖娆。江山如此多娇， 引无数英雄竞折腰惜秦皇汉武，略输文采；唐宗宋 祖，稍逊风骚。一代天骄，成吉思汗，只识弯弓射大 雕。俱往矣，数风流人物，还看今朝。克出师表两汉：诸葛亮先帝创业未半而中道崩殂，今天下三分，益州疲弊，此诚危急存亡之秋也。然侍卫之臣 不懈于内，忠志