國內運輸保(bao)險通常分為基本保(bao)險和綜合保(bao)險兩大類。

基本保(bao)險主要是指被保(bao)險貨物在運輸(shu)過(guo)程中，因以下原因造(zao)成的(de)損(sun)(sun)失，保(bao)險承(cheng)擔責任：1、因受火(huo)災、爆炸(zha)、自然災害(hai)等造(zao)成的(de)損(sun)(sun)失；2、由于運輸(shu)工具(ju)發生碰撞(zhuang)造(zao)成損(sun)(sun)失；3、在裝卸(xie)貨或轉載時，因受包(bao)裝質量或裝卸(xie)人員違規(gui)操作(zuo)造(zao)成的(de)損(sun)(sun)失；

綜合保險是(shi)在基(ji)本保險的基(ji)礎上增(zeng)加的其他(ta)賠償損(sun)(sun)(sun)失(shi)。1、因(yin)受(shou)震動(dong)、碰撞、擠(ji)壓而(er)造(zao)成粉碎、開裂或包裝破裂，致使(shi)(shi)產品散失(shi)的損(sun)(sun)(sun)失(shi)；2、液體貨物因(yin)受(shou)震動(dong)、碰撞，致使(shi)(shi)所(suo)用(yong)容器損(sun)(sun)(sun)壞(huai)而(er)滲漏(lou)的損(sun)(sun)(sun)失(shi)；3、遭受(shou)盜(dao)竊或承運方的責(ze)任所(suo)造(zao)成的損(sun)(sun)(sun)失(shi)；

除此(ci)之外，對于(yu)以下情況，保(bao)險(xian)方(fang)一(yi)般不承擔責任(ren)。1、戰爭(zheng)或(huo)(huo)軍事行(xing)為；2、被保(bao)險(xian)貨物(wu)本省存在(zai)缺(que)陷或(huo)(huo)自然損(sun)耗；3、被保(bao)險(xian)的(de)故意行(xing)為或(huo)(huo)過失(shi)；4、其他不屬于(yu)保(bao)險(xian)責任(ren)范圍的(de)損(sun)失(shi)。

保(bao)(bao)險(xian)期限(xian)。國內(nei)陸運(yun)貨物(wu)運(yun)輸(shu)(shu)保(bao)(bao)險(xian)的保(bao)(bao)險(xian)責任(ren)起終期限(xian)，是指簽發保(bao)(bao)險(xian)憑證和保(bao)(bao)險(xian)貨物(wu)離開起運(yun)地，直至(zhi)到達(da)該保(bao)(bao)險(xian)憑證上該保(bao)(bao)險(xian)貨物(wu)的收貨方所終止。在運(yun)輸(shu)(shu)業務(wu)中會出(chu)現(xian)以下情況(kuang)：

1、保(bao)險(xian)貨(huo)物到(dao)達目(mu)的(de)(de)地后(hou)，如果收貨(huo)方未(wei)及時提貨(huo)，則保(bao)險(xian)責任的(de)(de)終止期最后(hou)延至收貨(huo)方接到(dao)《到(dao)貨(huo)通知單》后(hou)的(de)(de)15天；

2、被保險貨物(wu)到達目的后，收貨人或(huo)被保險人只提取部分貨物(wu)，未提貨物(wu)只承擔(dan)15天的責任；

3、被保(bao)險(xian)貨(huo)物到達目的地15天內，被保(bao)險(xian)方(fang)或(huo)收貨(huo)人轉(zhuan)運(yun)部分貨(huo)物，則保(bao)險(xian)責任終(zhong)止(zhi)。

保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)和保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)(fei)。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)(fei)率是保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人根(gen)據保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)的(de)風險(xian)(xian)(xian)大(da)小、損(sun)失率高(gao)低、經(jing)營(ying)費(fei)(fei)(fei)用多少等為依據，根(gen)據不同商(shang)品、不同目的(de)地以及(ji)不同投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)所制定的(de)。一般(ban)是保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)(fei)=保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)*保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)(fei)率。目前國(guo)內實(shi)際運輸采用預(yu)(yu)約保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同方式(shi)，預(yu)(yu)約保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同一般(ban)要(yao)求投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)單(dan)位所有運輸業務都要(yao)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，雙方約定保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)險(xian)(xian)(xian)別、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)(fei)率、適用保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)條款、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)(fei)和賠(pei)付方法等。遇到特殊情況時(shi)，只要(yao)貨(huo)物(wu)裝上保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)單(dan)載(zai)明的(de)工具，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司自動承擔被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)貨(huo)物(wu)風險(xian)(xian)(xian)責任。

在國內(nei)貨(huo)物(wu)運輸過程中，一般生(sheng)產制造企業或物(wu)流(liu)公司都(dou)會購買貨(huo)物(wu)運輸保(bao)險，以防止運輸過程中出現(xian)的貨(huo)物(wu)損壞、丟失等各種意外情況(kuang)。

一般運(yun)輸(shu)保險(xian)(xian)的類別可以按照(zhao)運(yun)載工具和運(yun)輸(shu)方(fang)(fang)式(shi)的不同(tong)，分(fen)別進行購買(mai)(mai)。如果是從運(yun)載工具的角度(du)劃分(fen)，可以分(fen)為水上(shang)貨物(wu)運(yun)輸(shu)保險(xian)(xian)、陸上(shang)貨運(yun)保險(xian)(xian)和航(hang)空貨物(wu)運(yun)輸(shu)保險(xian)(xian)；從運(yun)輸(shu)方(fang)(fang)式(shi)的角度(du)來分(fen)主要(yao)分(fen)為直(zhi)達貨物(wu)運(yun)輸(shu)險(xian)(xian)、多式(shi)聯(lian)運(yun)貨物(wu)運(yun)輸(shu)險(xian)(xian)、集裝箱運(yun)輸(shu)險(xian)(xian)等等，險(xian)(xian)種的分(fen)類具體要(yao)結(jie)合公司的業務進行購買(mai)(mai)。

國(guo)內(nei)陸(lu)路貨物運(yun)輸(shu)保(bao)險是以國(guo)內(nei)陸(lu)路運(yun)輸(shu)過(guo)程(cheng)中的各類貨物為保(bao)險對象，保(bao)障(zhang)貨物在正常運(yun)輸(shu)過(guo)程(cheng)中發生意外造成損失時，可以由保(bao)險公(gong)司根據經濟損失提(ti)供經濟補償(chang)的一種業務。