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Apply for Marine Insurance The applicant should fill in the special form – the proposal form, which gives all the details concerning ownership, value, time span insurance will be for, risks and coverages, etc Determine the Insurance Value The value to be insured is generally based on the invoice value. The recommended minimum amount is the total CIF value plus 10%. Other methods of arriving at a valuation of goods may also be agreed upon to meet individual needs. The calculation and determination of the value to be insured vary from country to country Determine the Insurance Average and Coverage When determining insurance average and coverage, the following factors should be taken into consideration: the nature of the goods packing conditions modes of transport shipping route and ports consideration The average is closely linked with the goods and the goods are related with the coverage. Determine Insurance Premium The factors determining the insurance premium rates include: The carrying vessel Nature of the packing used Type of merchandise involved Nature of transit and related warehouse accommodation Previous experiences The extent of cover needed The volume of cargo involved Sign an Insurance Document The most common insurance documents are: Insurance policy Insurance certificate Open policy Insurance Policy 保险单/大保单 This is the most often used insurance document. It has legal effect, and is binding upon the insurer and the insured. It has the following content: 1) policy No. 2) name and address of the insurer 3) subject matter to be insured (marks and No., quantity, description of goods, amount insured.) 4) premium 5) conveyance steamship 6) sailing date, port of shipment and port of destination 7) risks to be covered 8) place where claim can be made 9) insurance date On the back of the insurance policy, there are more clauses about the obligations and