合同中的保險條款根據(jù)買賣合同采用的貿(mào)易術(shù)語不同而有所不同：

（1）FOB、CFR合同下的保險條款：

“保險由買主辦理”

INSURANCE TO BE COVERED BY THE BUYERS．

（2）CIF合同下的保險條款：

“由賣方按發(fā)票金額110%投水漬險、戰(zhàn)爭險、罷工險，按1981／1／1中國人民保險公司海洋運輸貨物保險條款。”

INSURANCE IS TO BE COVERED BY THE SELLERS FOR LL0% OF THE INVOICE VALUE AGAINST W.A., WAR RISKS AND S.R.C.C. AS PER OCEAN MARINE CARGO C1AUSE OF THE PEOPLE'S INSURANCE COMPANY OF CHINA DATED JAN．1，1981．