Depending of the type of cover you are looking for there can be varying degrees of insurance see Incoterms.
When you are looking to bring in your first order either if using a agent based in China or dealing direct with a manufacture, making sure that they include the right type of insurance you require is very important. What you may have discussed with them and what they actually do maybe 2 different things. Once they provided you with the insurance certificate make sure you read the terms carefully and everything is correct and relative to your order.
Most agents and Manufactures in China are more familiar with FOB sometimes it maybe easier to just get them to do this and you get insurance through a UK based insurance company that way you don’t have to worry about what exactly you are covered for as you have arranged it all yourself.
"Unsure what insurance you require? At Discount Giant we can organise that everything you want import is insured all the way from China and directly to your doorstep so you can rest assured you are covered. Drop us a line to see what we can do for you."