國內運輸(shu)保(bao)(bao)險通常分為基(ji)本保(bao)(bao)險和綜合保(bao)(bao)險兩大類。基(ji)本保(bao)(bao)險主要是(shi)指被保(bao)(bao)險貨(huo)物(wu)在運輸(shu)過程中，因(yin)以(yi)下原因(yin)造成的損(sun)失，保(bao)(bao)險承擔責任：

1、因受火災、爆(bao)炸、自然(ran)災害等造成的損失；

2、由于運輸工具發生碰撞造成損失；

3、在裝(zhuang)(zhuang)卸(xie)貨(huo)或轉載時(shi)，因(yin)受包裝(zhuang)(zhuang)質(zhi)量(liang)或裝(zhuang)(zhuang)卸(xie)人(ren)員(yuan)違規操作造成(cheng)的損(sun)失(shi)；綜(zong)合保險是在基本保險的基礎上增加(jia)的其他賠償損(sun)失(shi)。

1、因受(shou)震動、碰撞、擠壓而造成粉(fen)碎、開裂或(huo)包(bao)裝破裂，致使(shi)產品散失的損(sun)失；

2、液(ye)體貨物因(yin)受震動、碰撞，致使所用(yong)容器損壞而(er)滲(shen)漏的損失；

3、遭受盜竊或承運方的(de)(de)責(ze)任(ren)(ren)所造成的(de)(de)損失(shi)；除此之(zhi)外，對于以下(xia)情(qing)況，保(bao)險方一般不承擔責(ze)任(ren)(ren)。

1、戰爭或(huo)軍事行(xing)為；2、被保(bao)(bao)險貨物本省存在缺陷或(huo)自然損(sun)耗；3、被保(bao)(bao)險的故意(yi)行(xing)為或(huo)過失；

4、其他(ta)不屬于保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)責任(ren)范圍(wei)的(de)(de)損失(shi)。保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期(qi)限(xian)。國內陸運貨物(wu)運輸(shu)(shu)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)責任(ren)起終期(qi)限(xian)，是(shi)指簽(qian)發保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)憑證(zheng)和(he)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)貨物(wu)離開起運地，直至到達(da)該保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)憑證(zheng)上該保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)貨物(wu)的(de)(de)收(shou)貨方所終止。在運輸(shu)(shu)業務中會出現以下情況：

1、保險貨物到(dao)達(da)目的(de)地(di)后，如(ru)果收(shou)(shou)貨方(fang)未及時提(ti)貨，則保險責任(ren)的(de)終止期最后延至收(shou)(shou)貨方(fang)接(jie)到(dao)《到(dao)貨通知單(dan)》后的(de)15天(tian)；

2、被(bei)(bei)保(bao)險貨(huo)物到達目的(de)后，收貨(huo)人或被(bei)(bei)保(bao)險人只提(ti)取部分貨(huo)物，未提(ti)貨(huo)物只承擔15天的(de)責任；

3、被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)貨物到達目(mu)的(de)(de)地15天(tian)內，被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)方(fang)或收貨人轉運(yun)部(bu)分(fen)貨物，則保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)責任終止(zhi)。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)和保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)率(lv)(lv)是(shi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人根(gen)據保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)(de)的(de)(de)風險(xian)(xian)(xian)大小、損失率(lv)(lv)高低、經營費(fei)(fei)用多少(shao)等(deng)(deng)為依據，根(gen)據不同(tong)(tong)商品、不同(tong)(tong)目(mu)的(de)(de)地以(yi)及(ji)不同(tong)(tong)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)所(suo)制定的(de)(de)。一(yi)(yi)般是(shi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)=保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)*保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)率(lv)(lv)。目(mu)前國內實際運(yun)輸采(cai)用預約(yue)(yue)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)(tong)方(fang)式，預約(yue)(yue)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)(tong)一(yi)(yi)般要(yao)求投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)單位所(suo)有運(yun)輸業(ye)務都要(yao)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)，雙方(fang)約(yue)(yue)定保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)(de)、保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)險(xian)(xian)(xian)別、保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)率(lv)(lv)、適用保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)條款、保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)和賠付方(fang)法等(deng)(deng)。遇到特殊情況時，只要(yao)貨物裝上保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)單載明的(de)(de)工具(ju)，保(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)險(xian)(xian)(xian)人的(de)(de)貨物風險(xian)(xian)(xian)責任。

在國內(nei)貨物(wu)(wu)運(yun)(yun)輸(shu)過(guo)(guo)程中，一般生產制造(zao)企業或物(wu)(wu)流公司(si)都會購(gou)買(mai)貨物(wu)(wu)運(yun)(yun)輸(shu)保(bao)險(xian)(xian)(xian)，以防止運(yun)(yun)輸(shu)過(guo)(guo)程中出現(xian)的(de)貨物(wu)(wu)損壞、丟失等(deng)(deng)各種(zhong)意外情況。一般運(yun)(yun)輸(shu)保(bao)險(xian)(xian)(xian)的(de)類(lei)別可以按照運(yun)(yun)載(zai)工(gong)具和(he)運(yun)(yun)輸(shu)方(fang)式(shi)的(de)不同，分(fen)別進行購(gou)買(mai)。如果是從運(yun)(yun)載(zai)工(gong)具的(de)角度劃分(fen)，可以分(fen)為(wei)(wei)水(shui)上貨物(wu)(wu)運(yun)(yun)輸(shu)保(bao)險(xian)(xian)(xian)、陸上貨運(yun)(yun)保(bao)險(xian)(xian)(xian)和(he)航(hang)空貨物(wu)(wu)運(yun)(yun)輸(shu)保(bao)險(xian)(xian)(xian)；從運(yun)(yun)輸(shu)方(fang)式(shi)的(de)角度來分(fen)主要分(fen)為(wei)(wei)直達貨物(wu)(wu)運(yun)(yun)輸(shu)險(xian)(xian)(xian)、多式(shi)聯運(yun)(yun)貨物(wu)(wu)運(yun)(yun)輸(shu)險(xian)(xian)(xian)、集裝箱運(yun)(yun)輸(shu)險(xian)(xian)(xian)等(deng)(deng)等(deng)(deng)，險(xian)(xian)(xian)種(zhong)的(de)分(fen)類(lei)具體(ti)要結合公司(si)的(de)業務進行購(gou)買(mai)。