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FOB means Free on Board.

This is a pricing term means transportation and insurance charges from the factory of the producer to the port of discharge is included in the quoted price.

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FOB  means that the Free on board value which the seller pays for transportation of the goods to the port of shipment, plus loading costs. The buyer pays cost of marine freight transport, insurance, unloading, and transportation from the arrival port to the final destination.

In short FOB does not include insurance and freight from port to the destination.