The longest validity period of freight insurance in JD.COM is 90 days, but some categories, such as women's wear, can start the 15-day refund cycle. Generally speaking, JD.COM's freight insurance is effective in business, which can cover 90 days at the longest. During the warranty period of JD.COM freight insurance, consumers can use JD.COM freight insurance to solve the freight generated by returning goods.

After consumers initiate a return or exchange, they generally need to send the goods back to the merchants. After the merchant receives the goods, it will trigger the application for freight insurance claims. The initial trial time is generally 24 hours. After the approval, the claims will be transferred to the consumer's Jingdong small vault, Jingdong wallet or bank card, which is expected to arrive within 5 working days. If the preliminary examination fails, consumers can call JD.COM Digital Customer Service Phone or JD.COM Allianz Customer Service Phone to make a claim. After the consumer provides the proof materials as required, it will be reviewed again, and it is expected to reply within three working days.