Professional Documents
Culture Documents
Practice Ch9
Practice Ch9
the exclusion of
Basic risks additional risks responsibilities
basic coverage
and
time limit
of insurance
General Special
additional risks additional risks
Introduction of the insurance coverage of marine
cargo transport
Take out Insurance
Insurance claim
海洋运输货物保险保障的风险
海上风险 外来风险
P226
Section One Marine Insurance
At present, according to the different transportation methods,
there are ocean marine transportation insurance, overland
transportation insurance, air transportation insurance and
parcel post transportation insurance in our country. Among all
these, ocean marine transportation insurance is mostly and widely
used in international trade practical business. The ocean marine
transportation insurance is also the first used insurance and so has
the longest history among the all. The overland transportation
insurance and air transportation insurance have been developed
on the basis of ocean marine transportation insurance. P227
Definition of Ocean Marine Transportation Insurance
Natural
Calamities
Perils of the
Sea
Fortuitous
Perils Accidents
General ~
Extraneous
risks and
losses Special ~
P229
2 Losses
Marine Losses:
2) Salvage charges
Losses sustained by the insured because
of the risks come from not only the loss of
the goods or the damage done to the
goods, but also from the expenses the
insured sustained in rescuing the goods in
danger. Transportation insurance not only
insures the losses caused by risks but
also the losses of expenses.
Salvage charges
Section Three Marine Insurance Coverage
Two groups
Sweating)
Pay attention to : No additional risk can be
purchased to insure goods independently. Since
the scope of cover of general additional risks is
already included into that of All Risks, it is not
necessary for the goods to be insured by
additional risks if it is insured by All Risks.
*War Risk
*Strike Risk
*On deck risk
*Import duty risk clause
*Rejection risk
*Aflatoxin risk
*Failure to delivery clause
*Ocean Marine Cargo War Risk
*Fire Risk Extension Clause for Storage of Cargo at
destination HongKong, including Kowloon or Macao
3 Insurance under other Transportation Methods
The insured goods are covered from the time when they
leave the warehouse at the place named in the policy for
the commencement of the transit and continue to be
covered until they are delivered to the final warehouse at
the destination named in the policy, but the policy
provides an overriding time limit of 60 days after the
completion of discharge of the insured goods from the
seagoing vessel at the final port of discharge. On the
expiration of that time limit of 60 days the cover ceases to
protect the goods even though they have not reached the
final warehouse.
5 London Insurance Institute Cargo Clauses
ICC
General Additional
Risk
Strike
Special
Additional Risk Risks
War Risks 水面危险
或运输工
具上危险
London Insurance Institute Cargo Clauses 伦敦保
险协会海运货物保险条款
Basic Risk
ICC F.P.A.
(C)
ICC W.P.A.
(B)
ICC A.R.
(A)
Additional Risk
•协会货物保险条款( Institute Cargo Clause , ICC )
The newly revised London Insurance Institute Cargo Clauses in
1982 include 6 kinds:
1 、 ICC ( A ):协会货物条款( A )
2 、 ICC ( B ):协会货物条款( B )
3 、 ICC ( C ):协会货物条款( C )
4 、 Institute War Clause-Cargo
5 、 Institute Strike Clause-Cargo
6 、 Malicious Damage Clause •除恶意损害险外
,其余 5 种均可
单独投保。
Insurance Documents
1) Insurance Policy
The
The insured :
Seller , transferable
after endorsement
Claim at 赔付地点 Destination
:
Date of Insurance Not late than B/L
:
2) Insurance Certificate
3) Combined Certificate
When the goods are exported to Hong Kong, and some countries in
Southeast Asia, the insurance company sometimes adds the coverage and
insurance amount on the commercial invoice which is made out by a
foreign trade company. This is a certificate which combines the invoice
with the insurance policy. It is the simplest insurance certificate in use.
4) Endorsement 保险更改批单
After insurance has been taken out, if the insured wants to replenish
or change the contents of the policy, he may apply to the company for
the same. After agreement by the company, another certificate which
indicates the relative amendment will be issued. This certificate is called
endorsement.
Open Policy 预约保单
This type of policy is of great importance for export business,
it is convenient method for insuring the goods where a
number of consignments of similar export goods are
intended to be covered. An open policy covers these
shipments, as soon as they are made, under the previous
arrangement between the insured and the insurance
company.
6 Choosing the right coverage
The clear distinction among the clauses F.P.A., W.P.A. and All
Risks is of great practical significance. It may help exporters
choose the right coverage. Products should be insured in the
appropriate category.
e.g.
Special Additional Risk 特殊附加险
1 、战争险( War risk )
战争险的保险责任起讫:仅限于水面危险
案例分析:某公司出口某货物,投保一切险加战争
险,该船抵达目的港开始卸货时,当地发生武装冲
突,部分船上货物及部分已卸到岸上的货物被毁。
问:保险公司如何赔偿?
2 、罢工险( Risk of Strike,Riots and Civil
Commotions:SRCC 罢工暴动民变险)
罢工险是保险人承保罢工者、被迫停工工人、参加
工潮、暴动和民众、战争的人员采取行动所造成的
承保货物的直接损失,对间接损失不负责,如由于
劳动力短缺或无法使用劳动力 , 致使堆放码头的货
物遭到雨淋日晒而受损、冷冻机因无燃料而中断造
成的被保险货物的损失不负责赔偿。
•注:罢工险的保险责任期间是“仓至仓”
;已投保战争险又加保罢工险时,一般不
另行收费。
3 、 Failure to deliver 交货不到险
被保险货物从装上船开始, 6 个月仍不能运到原
定目的地交货,则不论何种原因,保险公司均按
全损赔付。
4 、 Import duty risk 进口关税险
承保货物已发生保险责任范围内的损失,但被保
险人仍需按货物的完好状态完税而遭受的损失。
5 、 On deck risk 舱面险
6 、 Rejection risk 拒收险
7 、 Aflatoxin risk 黄曲霉素险
8 、 Fire Risk Extension Clause for Storage of Cargo at
Destination Hong Kong including Kowloon or Macao 存
仓火险责任扩展条款
Section Four Insurance Value