关于物流货物保险能否代替货物运输保险的研究  

A Study on Whether the Logistics Cargo Insurance can Replace Cargo Transportation Insurance

作　　者：唐志刚 杨丽君 

机构地区：[1]东莞理工大学城市学院,广东东莞523419

出　　处：《保险职业学院学报》2018年第1期28-32,共5页Journal of Insurance Professional College

摘　　要：物流货物保险及货物运输保险都是以规避物流货物在物流过程中遭受的损失为目的,但是两者在保险要素、承保责任、除外责任等方面上存在着较大差异。被保险人,前者是物流企业,而后者是货物所有人;保险标的,前者是整个物流环节中的物流货物,后者是物流中运输环节的货物;前者的承保风险更窄,除外责任更多。因此,物流货物保险并不能完全代替货物运输保险。Both thelogistics cargo insurance and cargo transportation insurance aim to avoid the loss in the course of the logistics, while there are big difFerences between the two in respect of insurance fac- tors, responsibilities and exceptions. As for the insured, it is the logistics enterprise in the logistics cargo insurance, and it is the owner of the cargo in the cargo transportation insurance. As for the subject of insurance, it is the logistics cargo in the course of the whole logistics in the former insurance, and the cargo in transportation in the latter. The risk coverage for the former is narrower than the latter. There- fore the logistics cargo insurance cannot replace cargo transportation insurance.

关 键 词：物流货物保险 货物运输保险 保险条款 

分 类 号：F840.632[经济管理—保险]