Understanding CIF, FOB, and C&F for Zambia Buyers When importing used Japanese trucks, buses, or tractors to Zambia, one of the most important things to understand is the shipping term on your invoice. Terms like CIF, FOB, and C&F determine who pays for shipping, insurance, and other costs. Knowing these terms helps you plan your budget, reduce unexpected expenses, and ensure a smooth import process. This guide explains each term in simple language, using examples relevant to Zambian importers.