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1、CargoTransportationInsurance Termsinvolved theinsurant insured assuredThepartythatbuysinsurance exporter importer theinsurerThepartyundertakingtoindemnifytheinsurantagainstlossesordamages PICC theclaimantTheclaimantmaynotnecessarilybetheinsuranttheinsurancepolicy Thecontractmadebetweentheinsurerandt
2、heinsuredtheinsuredamount Theamountcoveredagainstthesubjectmatter whichisusuallytheamountof110 ofCIFvalueoftheconsignment premium Thesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicy MarineRisks Perilsofthesea External Extraneousrisks Risks Naturalcalamities Unexpectedaccidents fortuitou
3、saccidents Generalrisks Specialrisks TwotypesofrisksPerilsoftheseaNaturalcalamitiesCausedbyforcemajeureeventssuchasheavyweather lightening Tsunami earthquake volcaniceruption etc Unexpectedaccidents fortuitousaccidentsCausedbyaccidentssuchasfire explosion vesselbeingstranded grounded sunkorcapsized
4、collision missing etc 1 TheftPilferageandNon Delivery T P N D 2 RainFreshWaterDamage F W R D 3 RiskofShortage 4 RiskofIntermixtureandContamination 5 RiskofLeakage 6 RiskofClashandBreakage 7 RiskofOrdor 8 DamageCausedbysweatingandHeating 9 HookDamage 10 LossandDamageCausedbyBreakageofPacking 11 Risko
5、fRust GeneralAdditionalRisk External ExtraneousRisks Causedbymilitaryfactors politicalfactors governmentregulationssuchaswar striking confiscation充公1 WarRisks 2 Strikerisks 3 Aflatoxin黄曲霉素险 4 Failuretodeliver 5 OnDeck舱面险 6 ImportDuty 7 Rejection 8 FireRiskExtensionClause F R E C forstorageofcargoatd
6、estinationofHongKong includingKowloon orMacao SpecialAdditionalRisks LossesinMarineCargoTransport Thelossesanddamagesdonetothegoodscanfallinto 1 TotalLoss1 ActualTotalLoss thewholelotoftheconsignmenthasbeenlostordamagedorfoundvaluelessuponthearrivalattheportofdestination 2 ConstructiveTotalLoss thea
7、ctuallossoftheinsuredgoodsisunavoidable ortheshiportheconsignmenthastobeabandonedbecausethecostofsalvageorrecoverywouldexceedthevalueoftheshipandtheconsignmentinsoundconditionuponthearrivaloftheportofdestination 2 PartialLoss1 GeneralAverage G A 共同海损 whenboththeshipandtheconsignmentsonboardareengage
8、dandtheCaptain forthesafetyoftheshipandtheconsignments intentionallyandreasonablydoessomesacrificesormakessomeexpenses 2 ParticularAverage P A 单独海损 aparticularconsignmentispartiallydamaged Expensesincurred TwotypesofexpensesSueorlaborexpenses eg 施救费 Whenthesubjectmattersufferstheriskswithininsurance
9、coveragetheinsuredtakesmeasurestoavertorminimizethelossordamagetothesubjectmatterinsured Salvagecharge 救助费 Athirdpartyotherthantheinsuredtakesmeasurestosavethesubjectmatter No Cure No Pay principle DifferentRisksTherisks BasicInsuranceAdditionalInsurancea Basicinsurance coveredindependentlyFreefromP
10、articularAverageWithParticularAverageAllRisksb Additionalinsurance gowithbasiccoverageGeneralAdditionalRisks AAR SpecialAdditionalRisks InsuredAmountandInsurancePremium TheinsuredamountTheformulaforcalculatingtheinsuredamountunderCIFtradeterms InsuredAmount CIFpricex 1 markuppercentage Theinsurancep
11、remiumTheformulaforcalculatingthepremiumunderCIFtradeterms InsurancePremium insuredamountxpremiumrate CIFpricex 1 markuppercentage xpremiumrate 例如 某CIF合同价值为USD12000 投保一切险与战争险 费率分别为0 6 和0 4 请问保险金额和保险费各多少 Answer InsuredAmount USD12000 x110 USD13200InsurancePremium USD13200 x 0 6 0 4 USD132 InsuranceDo
12、cuments Commonlyusedinsurancedocumentsininternationaltrade 1 Insurancepolicy themostlyusedinsurancedocument 2 Insurancecertificate保险凭证 asimplifiedinsurancedocument Thecertificatecarriesthesamecontentsastheinsurancepolicyexceptfortheobligationsandrightsoftheinsurerandtheinsured 3 Combinedcertificate联
13、合凭证 thecombinationoftheinvoiceandinsurancepolicy muchsimplerthantheinsurancecertificate Itisnotoftenusednow 4 Openpolicy预约保单 alsoknownasopencover thegeneralcontractbetweentheinsured normallytheimporter andtheinsurer oftenusedinimporttransactionsinChina 5 Endorsement批单 Aftertheinsurancepolicyisissued
14、 iftheinsuredwantstoaddorchangesomeitemsofthepolicy theinsuredcan withtheinsurancecompany sconsent applyfortheadditionandchange Thedocumentissuedtostatetheadditionalitemsorchangesisknownasendorsement whichisconsideredanindispensableparttothepolicy Example1CertificateofInsuranceTheCentralInsuranceCo
15、Ltd PolicyNo 38716ThisistocertifythatthiscompanyhasinsuredonbehalfofFarEastTradingCo ThesumofPoundsSterlingNinethousandNineHundredOnly UponOnehundredcasesladiesumbrellas At fromMacautoLondon Shiporvessel S S WingOn Sailingonorabout10thMay 2004 CoveringAllRisks Intheeventofdamage tobesurveyedbyOliveS
16、urveyCo andclaimspayableatMacau ThispolicyisissuedinDuplicateatMacauonthe10thdayofMayintheyearonethousandninehundredninety three TheCentralInsuranceCo Ltd Manager Example2InsurancePolicyIssuedbythePeople sInsuranceCompanyofChinaTHEPEOPLE SINSURANCECOMPANYOFCHINAHeadOffice BeijingEstablishedin1949INSURANCEPOLICYInvoiceNo 387 77PolicyNo PLo1 0002834ThisPolicyofInsurancewitnessesthatthePeople sInsuranceCompanyofChina hereinaftercalled TheCompany attherequestofChinaNationalLightIndustrialProductsImp
