Goods are always insured in transit through an insurance company or insurance brokers．Claims for damage or loss may be made if the goods have been damaged，lost or interfered within transit．When a consignment is received，it is examined and the delivery note is signed to confirm that the goods have been received and that they are damaged．However，damage and errors are often noticed later when the container or the package is unpacked and rechecked．It is customary to employ brokers not only for the conclusion of a contract of insurance but also for the settlement of claims．If the consignee is informed that the goods have arrived damaged，he should immediately notify the insurer's agent at the port of discharge who will survey the goods and issue a survey report．Then he could claim indemnity from the insurer by producing the in-surance policy，survey report and other necessary documents．

The insurance letter usually contains three parts:

(1)giving your purpose for writing concerning insurance;

(2)stating the specific requirement for insurance;

(3)expressing your hope that the insurance ought to be arranged as requested．

Dear Sirs，

We wish to refer you to our Order No．203 for 300 sets of sewing machines，from which you will see that this order is placed on a CFR basis，as regulated in the L/C．

As we now desire to have the shipment insured at your end，we shall be much obliged if you will kindly arrange to insure the goods on our behalf against All Risks at invoice value plus 10%，i．e．，US $ 4400．00．

We shall of course refund the premium to you upon receipt of your debit note or，if you like，you may draw on us at sight for the amount required．

We sincerely hope that our request will meet with your approval．

Yours faithfully，