合同中的保險(xiǎn)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(xiǎn)條款：

“保險(xiǎn)由買主辦理”

INSURANCE TO BE COVERED BY THE BUYERS．

（2）CIF合同下的保險(xiǎn)條款：

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