货运保险费计算器

根据商业发票金额、运费、保险加成比例（通常为10%）和保险费率，估算货运保险投保金额和保险费。支持 CIF 加成、发票金额加成和自定义投保金额三种计算方式。适用于进口成本预算、货代对账和供应商报价比较。

工具语言：英文 · 支持 USD、GBP、EUR、AUD、SGD · 提供空运、海运等费率参考

使用说明

· 投保金额基础：选择"CIF + 加成"（最常用），输入货值和运费，系统自动计算 CIF 加成后的投保金额

· 保险加成比例：标准为10%，用于覆盖关税、报关费等附加损失

· 保险费率：可选择预设费率（空运、海运普通货物等），或手动输入实际费率

· 最低保险费：部分保险公司按每票货设定最低保费，可选填

Estimate cargo insurance premium from shipment value, freight cost, and insurance rate. Supports CIF+uplift, invoice value+uplift, or a custom insured value. Use for budget planning — contact your insurance broker for a binding quote.

Import budgetingCargo insuranceLanded costRisk planning

Goods Value (Invoice)

Freight Cost (optional)

Used when insuring CIF value

Currency

Insured Value Basis

Uplift % (10% is standard for Institute Cargo Clauses)

Standard ICC uplift is 10% to cover ancillary costs

Insurance Rate

of insured value

Minimum Premium (optional)

Some insurers apply a per-shipment minimum

Formula

Insured value = (Goods value + Freight) × (1 + Uplift %) | Premium = Insured value × Rate ÷ 100

Standard cargo insurance covers the CIF value of the shipment plus a 10% uplift to cover ancillary costs (profit margin, inspection costs, duties). The premium is the insurance rate — typically 0.1–1.5% depending on commodity, route and coverage clauses — multiplied by the insured value. Most insurers also apply a per-shipment minimum premium.

Worked Example

Electronics shipment: Goods $50,000 · Freight $2,000 · CIF value = $52,000 · 10% uplift · Rate 0.5% · Minimum premium $100.

CIF value = $50,000 + $2,000 = $52,000

Insured value = $52,000 × 1.10 = $57,200

Premium = $57,200 × 0.5% = $286

Premium is above minimum ($100) — final premium: $286

The 10% uplift increases the insured value to $57,200 — meaning a total loss claim would recover goods, freight, and an additional 10% to cover import duty, customs broker fees, and lost profit margin.

业务示例

场景：您从上海海运进口一批电子产品到鹿特丹，发票金额 USD 50,000，运费 USD 2,000，选择 CIF 加成10%，保险费率 0.35%。

· CIF 价值 = 50,000 + 2,000 = USD 52,000

· 10% 加成后投保金额 = 52,000 × 1.10 = USD 57,200

· 保险费 = 57,200 × 0.35% = USD 200.20

· 该保险费将纳入进口完税价格（Landed Cost）计算

为什么投保金额要加成10%？

· 国际货运保险惯例（ICA/协会货物条款）规定，标准投保金额为 CIF 价值加10%

· 额外10%用于覆盖货损后的附加损失：进口关税、报关费、预期利润等

· 如货物发生全损，仅按 CIF 价值赔付将无法覆盖全部损失

· 出口商（在 CIF 条款下）通常只提供最低限额保险（ICC C），建议进口商自行安排全险（ICC A）