散板 LTL · 基础
Less-than-truckload / partial. 保费按板数计（每板保 $2,000）· Premium by pallet count (each pallet insured at $2,000); declared value sets the claim ceiling.
免赔额 Deductible：每次事故 RMB 1,000（约 $140）或损失金额的 10%，两者取高 · the greater of RMB 1,000 (approx. $140) or 10% of the loss, per occurrence.
散板 LTL · 足额
Full declared-value coverage for LTL/partial — no per-pallet cap. 保费按申报货值全额计（含110% CIF加成），没有每板封顶 · Premium on full declared value (×1.1 CIF uplift); use this plan when goods are worth more than the basic plan's per-pallet cap.
零免赔 No deductible · 按约定货值赔付 · settled on the agreed declared value.
整车 TL
Full truckload. ≤$200k → 万1.5;≤$400k → 万1.25。Per-truck coverage up to $400,000.
免赔额 Deductible：每次事故 RMB 5,000（约 $710）或损失金额的 10%，两者取高 · the greater of RMB 5,000 (approx. $710) or 10% of the loss, per occurrence.
包裹 Parcel
Small parcels. Itemized value-based coverage, claim by declared commodity value.
零免赔 No deductible · 按约定货值赔付 · settled on the agreed declared value.
地板货 Floor Load
Loose / non-palletized floor-loaded freight. 保费按方数计（每方保 $500，不足一方按一方）· Premium by cubic metre ($500 insured per CBM, rounded up); claims are apportioned across total CBM and total pieces.
零免赔 No deductible
Ready to insure? 需要投保?
Get your quote above, then reach our team to issue the policy. 取得报价后,联系客服即可出电子保单。
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🧾 理赔与报案 · Claims
保险由 中国太平洋保险（CPIC） 承保,出险后按以下通道报案理赔 Claims are handled by the underwriter CPIC:
- 在线理赔报案 Online: cpic.com.cn → 服务大厅 → 在线理赔报案(全球可访问 web-based)
- 联系我们客服 Our team: 邮件协助报案、对接太保理赔 — we assist and liaise with CPIC
- 太保官方热线 CPIC hotline: 95500(中国 7×24 客服,境内拨打 China domestic)
- 报案需备 For a claim: 保单号、品名、件数、单价、损失情况 — policy no., commodity, count, unit value, loss detail
出险请第一时间保留证据并报案,我们客服全程协助。Keep evidence and report promptly — our team assists throughout.
FAQ 常见问题
How is the premium calculated? 保费怎么算?
It depends on the plan ($1 minimum): LTL by pallet count (each pallet insured at $2,000), Truckload by truck count (per-truck coverage), Floor-load by cubic metres (each CBM insured at $500, rounded up to the next whole CBM), Parcel by declared value. The full-value plan adds a 110% (×1.1) CIF uplift; the fixed-coverage plans do not. 保费按方案（最低 $1）:散板 LTL 按板数（每板保 $2,000）、整车按车数、地板货按方数（每方保 $500,不足一方按一方计）、包裹按申报货值。仅足额/按货值方案含 110%（×1.1）CIF 加成,固定保额方案不加成。地板货赔付按总方数与总件数均摊。
Is there a deductible? 有免赔额吗?
Yes — it depends on the plan, and it is the greater of a fixed amount or 10% of the loss, per occurrence. Value-based plans (full-value LTL, floor-load, parcel) carry no deductible. Fixed-coverage plans do: LTL by pallet — RMB 1,000 (approx. $140) or 10%; Truckload — RMB 5,000 (approx. $710) or 10%. 有的,按方案不同,且为「固定金额」与「损失金额 10%」两者取高。按货值投保的方案（足额 LTL、地板货、包裹）零免赔;固定保额方案有免赔:散板 LTL RMB 1,000（约 $140）或 10%,整车 RMB 5,000（约 $710）或 10%。免赔额以保单人民币金额为准,USD 为按近期汇率的约数,理赔时按结算汇率折算。
What's the max value I can insure? 可投保货值上限?
Our policy allows up to $600,000 per conveyance (subject to underwriting review for higher values) — contact us for anything above standard thresholds and we'll confirm with the underwriter. 本保单每一运输工具最高赔偿限额为 $600,000（超出常规额度需经核保确认），如需投保较高货值请联系客服，我们会与承保方确认。
What do I need for a claim? 理赔需要什么?
Keep your commodity description, piece count and unit values — the basis for any claim, filed with underwriter CPIC (see Claims above). 保留品名、件数、单价（理赔依据）;由承保方中国太平洋保险(CPIC)受理,报案通道见上方"理赔与报案"。