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The author:(作者)归海一刀
published in(发表于) 2014/3/20 5:46:22
Purchasing distressed： international express insurance the insured，

Purchasing distressed: international express insurance the insured-purchase, international courier insurance-IT news Purchasing distressed: international express how do risk insured

A few years ago, the "purchasing" is a strange word to many people, but, these days, down to the lipstick, powdered milk, paper towels, baby carriages, vacuum cleaners, suitcases, residents have flooded into every aspect of life.

Purchase not only a wide range of ways to promote the times. Wang complained to reporters in Beijing, didn't know how to shield micro-circle of friends when, every time one opens the brush screen is a friend and classmate of purchasing information. In addition, she has recently discovered, Twitter released a perfume picture, there are many people who are purchasing a comment below.

Residents quickly develop eye-popping, however behind this rapid development, risks are also associated with it.

Taobao and United States classmates opening purchase shop small South recent upset, she lost a few days ago from United States of packages sent to domestic, with goods worth US $ 2000. She told reporters that the parcel is a famous brand of handbags, while the courier insurance, but the insurance only pays $ 150.

South said she purchased the insurance. She was purchased by the international transport of goods insurance if the insured amount, the loss compensation up to a maximum of $ 2000. Messages that are not insured in case of loss, damage or shortage, according to the actual damages, no more than twice times the postage paid by the highest, that is, less than $ 50.

Because at the time of shipment, their common shop United States students declare the insured amount is only $ 150, though the maximum permitted payments can reach $ 2000, but because of its value is too low, only in accordance with the insurance company paid US $ 150.

$ 2000 worth of packages, why she only reported $ 150?

This reporter has learned that General international express insurance premiums are between 3%, 2%-declared prices, calculated in accordance with 3%, $ 2000 and $ 150 for premium difference of about US $ 55.5, thus understating price seems to be very reasonable.

However the real reason, but not only that. Little told reporters, in General, wrote on the package price for insurance reimbursement rates, and immigration clearance when the package price. If a package price to write too high, entry time, the possibility of taxes levied customs inspections will increase purchasing expensive postage overseas, however, are usually will choose to purchase only products with high value enough. Therefore, purchasing groups generally parcels insured amount written above will be much less than the actual value.

That is why, at the time of loss of goods, purchasing, the losses are huge. With $ 2000 in little packages, for example, because of its customs rate is $ 150, last pay only for the actual value of 7.5%.

In addition, static-Yi told reporters the residents for two years, based on her experience, $ 200 this is "tolerated" upper limit, so for branded handbags, are generally insured priced between us $ 100 to us $ 200; and the declared prices of brand-name purses is usually less than $ 100. However such pricing is usually lower than the actual value of the goods, if objects unfortunately lost, ultimately paid the price less than the actual value of 10% u.

代购者的苦恼：国际快递险该如何保价 - 代购,国际快递险 - IT资讯
代购者的苦恼：国际快递险该如何保价

几年前，“代购”对很多人来说还是一个陌生词语，可现如今，小到唇膏、奶粉、纸巾，大到婴儿车、吸尘器、行李箱，代购已充斥到生活的方方面面。

代购不仅种类繁多，推广的途径也与时俱进。北京的王莉向记者抱怨道，之前不知道如何屏蔽微信的朋友圈时，每次只要一打开便是朋友和同学刷屏的代购信息。此外，她最近还发现，在微博发布一张香水的图片都有不少做代购的人在下面留言。

代购发展的速度之快让人瞠目，然而在这飞速发展的背后，风险也同时伴随。

在淘宝和美国同学一起开代购网店的小南近期很苦恼，前几天她遗失了一单从美国寄到国内的包裹，其中的货品价值在2000美元上下。她告诉记者，包裹里面是一个著名品牌的手提袋，虽然购买了快递险，但是保险只能赔付150美元。

小南表示，还好她购买了保险。她所购买的是国际运输货物险，如果货物丢失将按保价金额赔偿，最高限额为2000美元。而未保价的邮件如发生丢失、损毁或短少，按实际损失赔偿，最高不超过所付邮费的两倍，也就是不到50美元。

因为在寄送包裹时，其共同开店的美国同学申报的保价金额仅为150美元，虽然最高的赔付限额可以到达2000美元，但是因为其所报的价值太低，保险公司只能按照150美元赔付。

那么价值2000美元的包裹，她为何只报150美元？

记者了解，一般国际快递险的保费都在申报价格的2%-3%之间，如果按照3%计算，2000美元和150美元的保费相差约55.5美元，因此低报价格也似乎很合理。

然而真实的原因，却不仅仅如此。小南向记者表示，一般来讲，包裹上写的价格即为保险的赔付价格，同时也是包裹入境时候的报关价格。如果包裹的价格写得过高，入境的时候海关抽查补交税款的可能性就会加大，然而海外代购因为邮费昂贵，通常都是价值足够高的产品才会选择代购。因此，代购人群一般都会将的包裹上面的保价金额写的比实际价值低很多。

正因为如此，在物品丢失的时候，代购者的损失会十分巨大。以小南的2000美元包裹为例子，因其报关价格为150美元，最后的赔付仅为实际价值的7.5%。

此外，从事代购已有两年的静怡告诉记者，根据她的经验，200美元是海关的“容忍”上限，因此对于品牌的手提包来说，一般都将保价的价格定在100美元到200美元之间；而名牌钱包的申报价格通常在100美元以内。然而这样的定价通常是低于货品的实际价值的，如果物品不幸丢失，最终的赔付价格不到实际价值的10%是常事。

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