国际货物运输保险条款磋商应该注意的问题

一般来说，保险条款涉及的内容有保险金额、投保险别、保险费、保险单证和保险适用条款等。在报价单、合同中撰写保险条款，或者在和客户进行保险条款磋商时，业务员应该注意区分保险责任在哪一方。在以 f 组、e组和c组中的 cfr (cost and freight，成本加运费)和cpt (carriage paid to,运费付至)成交的合同中，保险条款可撰写为“保险由客户自理”(insurance: to be covered by the buyer)。在以 d 组贸易术语成交的合同中，保险条款可撰写为“保险由卖家自理。”(insurance: to be covered by the seller)。在以cif (cost insurance and freight,成本加保险费加运费)或 cip(carriage and insurance paidt，运费加保险付至)成交的合同中，若运输方式为海洋运输，则保险条款可撰写为“由卖家按发票金额的 110%保x x x险，以中国人民保险公司x年x月x日的有关海洋运输货物保险条款为准。”(to be covered by the seler for 110% of invoice value against xxx risk and xxx risk as per the relevant ocean marine cargo clauses of the people's insurance company of china 值得注意的是，即使由卖家投保，也属于卖家代理买家投保，保险费的负拍方实际为买家。
(三)常用的国际货物运输保险条款的撰写
常用的表述如下。
( 1) please cover us on the goods detailed below
(2) please hold us covered for the cargo listed on the attached sheet.
(3) please effect insurance for my account of usd 55000 on my goods against all risks from hong kong to this city and at the lowest premium possible not exceeding 10%
(4) we usually effect insurance against all risks and war risk for the invoice value plus 10% for the goods sold on cif basis.
( 5) we will effect insurance against all risks, as requested, charging premium and freight to the consignees.
(6) the cargo is to be insured warehouse to warehouse against all risks.