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Analisi professionale della copertura assicurativa per tutti i modi di trasporto. Frachtportal raccomanda SEMPRE un'assicurazione trasporti per una protezione ottimale.
Cargo insurance protects goods during international transport against loss, damage, or theft. Unlike the statutory carrier liability (CMR: max. 8.33 SDR/kg; sea freight: max. 2 SDR/kg), cargo insurance covers the actual value of the goods.
The premium depends on goods value, transport route, type of goods, and the chosen coverage clause. This calculator determines the recommended sum insured, shows the coverage gap from carrier liability, and calculates the annual premium.
Most comprehensive coverage. Covers all risks except explicitly excluded ones (war, strikes available as add-ons). Mandatory for CIP Incoterm since Incoterms 2020. Recommended for high-value or fragile goods.
Covers named risks: fire, explosion, stranding, capsizing, collision, earthquake, flooding, water ingress, theft of whole packages. Not covered: scratches, dents, leakage.
Only serious events: fire, explosion, vessel casualty, general average. No protection against theft or water damage. Was formerly standard under CIF – replaced by ICC A in Incoterms 2020.
Many shippers incorrectly rely on carrier liability. However, it is legally severely limited:
| Transportweg | Haftungslimit |
|---|---|
| Road (CMR) | 8.33 SDR/kg |
| Sea freight (HVR) | 2 SDR/kg or 666.67 SDR/package |
| Air freight (Montreal) | 22 SDR/kg |
1 SDR ≈ CHF 1.47 (varies daily). The difference between actual goods value and the liability limit is the coverage gap – this amount is lost in a claim without insurance.
Carrier liability in a loss event covers only a fraction of the goods value. For high-value goods, the coverage gap can exceed 90%.
CIF only obligates the seller to minimum coverage (ICC C). Buyers must arrange their own all-risks coverage (ICC A), as ICC C excludes many everyday risks.
The insured value should be 110% of the invoice value (10% for consequential costs like duties, storage, replacement). Underinsurance leads to proportional reductions in claims.
ICC B and C do not cover damage from inadequate packaging. Even ICC A excludes damage from improper packing. Packaging must be seaworthy or airworthy.
Damage must be reported to the carrier immediately (visible damage) or within 3 days (concealed damage) in writing. Late notifications can lead to claim rejection.
The premium is typically 0.05–0.5% of the goods value, depending on goods type, route, and clause. Dangerous goods, electronics, or artwork have higher rates. A shipment worth CHF 50,000 usually costs CHF 25–250 in premium.
CIF is an Incoterm obligating the seller to arrange minimum insurance (ICC C) for sea freight. Standalone cargo insurance (ICC A) provides significantly broader protection and can be arranged for all transport modes.
An open cover (annual policy) automatically insures all of a company's shipments within defined parameters. Cheaper than single-shipment policies; recommended from approximately 20 shipments/year.
Yes. The customs value is calculated as CIF value (goods value + insurance + freight to import border). A correct sum insured directly affects the customs assessment basis.
Document damage immediately (photos), note reservation in writing on the delivery receipt, report to insurer, keep damaged goods until inspection. For sea freight: appoint average adjuster.
Under DDP the seller bears all risks until delivery and should therefore arrange ICC A. The buyer has no direct interest but should ensure the seller is actually insured.