The insured price is only a few hundred yuan?Courier insurance premium compensation quotes for discussion

Recently, controversy on express premiums have frequently appeared on hot search. Some users send valuables such as gold and hand -made items through express delivery. However, when the items are lost or damaged, they find customer service claims, but the courier customer service claims to be unable to pay at the amount of insurance. Why is the insurance price in the same way? The reporter's investigation found that courier companies have formulated some restrictions on claims. Consumers need to pay attention to the details of the claims rules before placing an order to avoid losses.

The insurance price is 18,000 yuan, which can only pay 500 yuan for 500 yuan

Recently, a Hangzhou user sent 20 grams of gold through SF, with an insured amount of 8,000 yuan, but when the courier clearly informed the loss, SF customer service proposed to compensate only 2,000 yuan. Fortunately, after the police investigation and the efforts of all parties cooperated, the losing gold that users lost had been found.

Another user sent a hand -offs worth 17,000 yuan in SF and spent 108 yuan to maintain a price of 18,000 yuan. The answer is only 500 yuan. SF customer service said that the insured price is not as much as possible to pay, but the actual loss and the amount of insured in the comprehensive express delivery are compensated according to a certain percentage. Because the hand -made items are not completely damaged, they cannot be paid according to the amount of insurance. SF also stated that it can provide maintenance services, but the user believes that the repaired hand -made reduction is not worth the original price.

According to Article 47 of the "Postal Law of the People's Republic of China", if the email of the insurance price is lost or all damaged, the compensation of the insured amount will be compensated; if part of the damage or internal parts, the actual loss of the email according to the ratio of the value of the insured amount to the value of the email is Compensation.

In this regard, industry insiders said that after the purchase of courier companies' insured services, the specific compensation standards depends on the agreement in the agreement. In response to the controversy of the amount of compensation, consumers can sue to the court and apply for the amount of the loss of the losses identified by a professional appraisal agency, and the courier enterprise will be paid.

Some express companies set up the upper limit on the insured price

Recently, there have been many incidents that have been lost or damaged by high -value items, but they can only obtain a small amount of compensation. The insurance premium payment rules for express companies have caused many netizens to question. The reporter's inquiry found that behind the courier inspection service, there is actually more detailed payment regulations. Users need to be manually viewed by users, and some courier companies' insured payments are written in the lengthy express service protocol. Ignore.

The reporter opened the SF delivery page, and the insured price appeared "the maximum payment of 7 times the freight of the unpaid price items, the recommended price", and the default amount of the insured price "2 yuan for 0-500 yuan". The user can check the default option after the default option. Fill in the values ​​of real items in the column of "customized items".

When the value of customized items is selected, the newly -jumping page appears inspection in terms of insurance, and the claims rules are listed in detail. The user requires the user to decline the page to view. The first rules say: "Inspection of express delivery, compensation according to the actual value loss (if it can be maintained by the damage of the item, compensate the maintenance fee within the limit of the insured amount), please declare the value of the full amount of the goods and pay the fee. Please provide it when the claim is claimed Real and effective value proof (such as invoice, contract, payment voucher portfolio), SF will combine market value and third -party agency opinions to evaluate the loss value (excluding indirect losses such as business opportunities and expected income), which are not enough or excess insurance parts Can't get compensation. "

SF also prompts in the claims rules: "If you cannot prove the actual value of the entrusted items, SF will refund your insured fee and compensate according to the outsiders of unpaid price." freight.

Other courier companies also have their own insurance payments. Zhongtong's premium declaration value limit is 30,000 yuan, and the express price of premiums is compensated according to the actual value loss. When compensation, the real and effective value certificate must be provided. Part of them cannot be compensated. Yuantong's request for the shipping of the shipment of the delivery does not exceed 30,000 yuan. For example, the premium express expressway is damaged, damaged or lost, and shorters. The maximum amount of insured price is compensated according to the actual loss value.

The actual value of Shentong's request for insured express delivery does not exceed 20,000 yuan. If the express delivery is lost, the express service unit shall be compensated according to the actual loss within the agreed value of the insured. JD Express stated in the insured statement that if the responsibility of JD during the transportation, the JD will compensate for compensation in accordance with the actual declaration value and loss ratio of the goods.

Sending valuable items requires a good value certificate

Judging from the payment rules of major express delivery companies, most enterprises emphasize that "the real valid value certificate is required when paying" and "compensation for losses in accordance with actual value." Therefore, consumers need to save the corresponding value proof when sending valuables, such as shopping invoices, payment vouchers, etc., to avoid difficulty obtaining compensation because the value of the item cannot be proved. Evaluate the value of loss. When choosing a insurance service service, you should also pay attention to the value of the insured declaration declaration value of the courier company.

In addition, there are some items that cannot be preserved, and consumers need to pay special attention when they are delivered. SF said that items that are not easy to verify, such as antique calligraphy, commemorative coins, emerald rough, ornamental stone, and items that are easy to be damaged or not easy to pack, such as jade carvings, wood carvings, purple sand pots, etc., and do not provide insurance services.

(Source: Beijing Daily reporter Ma Jing) [Edit: Jin Xin]

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