国际贸易实务-6 INSURANCE

1、6 INTERNATIONAL CARGO TRANSPORTATION INSURANCE nUnderstanding: pRisk, Average and Expenses pCargo insurance clause of PICC (CIC)and ICC pInsurance documents pInsurance contract parties nGrasp: pGeneral Average, Particular Average pInsurance coverage of Basic Risk and Additional Risk pSue the measure

2、s are reasonable pSacrifice is the result of intentional acts; Costs are extra pLoss is the loss of extraordinary circumstances nGeneral Average Contribution After the general average occurred, every sacrifice and expense fall within the scope of general average, which all need through the adjustmen

3、t of general average, and be apportioned with ratio by the rescued beneficiaries (ship, cargo and freight revenue side) according to the original value of the salved. York-Antwep Rules Beijing G.A. Settlement Rules Survived the underlying value (Insurance value of the subject stated on the policy) n

4、Particular Average Only involves the unilateral loss of the ships or the owner of the goods interests nThe differences between General Average and Particular Average General AverageParticular Average Caused by different reasons Natural calamities Fortuitous accidents Extraneous risk Human-caused los

5、ses and additional costs Assume responsibility for the loss Injured party to assumeAll benefiting parties sharing according to the size of its benefit ratio Expenses nSue and Labour Expenses pThe person who takes measures must has direct economic interest with the subject matter insured. nSalvage Ch

6、arge pA third party except the insured or the insurer nOther expenses Case n有一货轮在航行中与流冰相撞。船身一侧裂口，舱内部分有一货轮在航行中与流冰相撞。船身一侧裂口，舱内部分 乙方货物遭浸泡。船长不得不将船就近驶入浅滩，进行排乙方货物遭浸泡。船长不得不将船就近驶入浅滩，进行排 水，修补裂口。而后为了浮起又将部分甲方笨重的货物抛水，修补裂口。而后为了浮起又将部分甲方笨重的货物抛 入海中。乙方部分货物遭受浸泡损失了入海中。乙方部分货物遭受浸泡损失了3万美元，将船舶驶万美元，将船舶驶 上浅滩以及产生的一连串损失共为上浅滩以

7、及产生的一连串损失共为8万美元，则如何分摊损万美元，则如何分摊损 失？（该船舶价值为失？（该船舶价值为100万美元，船上载有甲乙丙三家的货万美元，船上载有甲乙丙三家的货 物，分别为物，分别为50万、万、33万、万、8万美元，待收运费为万美元，待收运费为2万美元）万美元） 有关各方有关各方 获救价值获救价值 （万美元）（万美元） 分摊比例分摊比例 分摊金额分摊金额 （万美元）（万美元） 船方船方100 8190=4.21% 4.21 货方甲货方甲502.105 货方乙货方乙33-3=301.263 货方丙货方丙80.3368 运费方运费方20.0842 合计合计1907.999 China In

8、surance Clause, CIC (PICC) CIC Marin e cargo insura nce Road transp ortatio n cargo insura nce Postal cargo insura nce Air transp ortatio n cargo insura nce Marine cargo insurance Basic Risks FPA, Free from particular average 平安险平安险 Total loss of natural disasters; the total or partial loss under th

9、e accident WA/WPA, With particular average 水渍险水渍险FPA+ Partial loss of natural disasters All risks 一切险一切险WA+ General additional risks Additional Risks General additional risks 一般附加险一般附加险 11 kinds Special additional risks 特殊附加险特殊附加险 Special Risks Sellers contingent interest risks 卖方利益险卖方利益险 Frozen pro

10、ducts risks 冷藏险冷藏险 Bulk woodoil risks 散装桐油险散装桐油险 TPND, Theft, Pilferage and Non- delivery Fresh Water/ Rain Damage Shortage Intermixture and Contamination Leakage Clash and Breakage Taint of Odour Hook Damage Sweat and Heating Breakage of Packing Rust War Risk Strikes Failure to Delivery Import Duty

11、 Risk On Deck Risk Rejection Risk Aflatoxin All Risks WA/WPA FPA General Additional Risks Special Additional Risks General Additional Risks Special Additional Risks Special Additional Risks nExclusions nDuration pW/W, Warehouse to warehouse clause-for basic risks Shippers Warehouse Port of shippment

12、 Consignees Warehouse Port of destination (terminate 60 days later after cargos unloaded ) The destination unspecified in the policy （the responsibility terminate at the beginning of transfer） nThe period of claim shall be subject to the provisions of the relevant insurance, transport, or the sales

13、contract pClaims to insurance companies uwithin 2 years from the date of the cargo unloaded from the means of transport pClaim to the shipping company u15-60 days after the cargo reached the destination pClaim to the seller uWithin 60 days of receipt of the goods nThe main evidence required in insur

14、ance claims pOriginal insurance documents pOriginal transport document pCommercial invoice pPacking List/ Weight List pInspection report/ Damage, shortage proof pClaim sheet Institute Cargo Clause, ICC (Institute of London Underwriters, ILU) n6 kinds of risks pICC(A)-insurance liability is the most

15、widely pICC(B) pICC(C) pIWCC, Institute War Clause-Cargo pISCC, Institute Strikes Clause-Cargo pMalicious Damage Clause-additional risk Insurance Clause & Insurance Document Insurance clause “Insurance to be covered by the buyer” “Insurance to be covered by the seller for 110% of total invoice value

16、 against All Risk, War Risk and SRCC as per the relevant Ocean Cargo Clause of the PICC dated Jan. 1, 1981” nParties nCoverage nInsured amount-including additional insured value nInsurance company and clause nInsurance documents pIt should be stipulate that the seller must provide the insurance docu

17、ments to the buyer, if the seller buys the insurance Insurance documents nInsurance Policy nInsurance Certificate nOpen Policy nBasic concepts pSubject matter insured pApplicant pInsurer / Underwriter pBeneficiary / The insured policyholder pCoverage pInsured value pInsured amount pPremium u14 Calcu

18、lation of insurance n某某批出口货物的批出口货物的CPT价值是价值是USD20000，如果按，如果按10%投保加投保加 成，投保一切险，费率为成，投保一切险，费率为1.5，加保战争险和罢工险，费率，加保战争险和罢工险，费率 均为均为0.5 n问：货物的问：货物的CIP价值是多少？价值是多少？ 保险金额是多少？保险金额是多少？ 保险费是多少？保险费是多少？ nAbandonment When the subject-matter insured is in a state of constructive total loss, the insured in the a sta

19、tement to the underwriter is willing to transfer all the rights and interests of the insurance mark to the insurer, including property rights and the resulting rights and obligations. Then the insurer pay compensation to the insured in accordance with the total loss. nRight of Subrogation After the

20、underwriter paying compensation amount of the total or partial loss, he require the insured to transfer its rights which “has the claim to third party who has the liability for damage for total or partial loss , in order to prevent the double benefit of the insured. nFranchise pIOP, Irrespective of

21、Percentage The basic principles of insurance nThe principle of utmost good faith nThe principle of insured interest nThe principle of proximate cause nThe principle of indemnity Thinking n我一出口商以我一出口商以FOB300.00/PC的价格的价格对外出口一批货物对外出口一批货物，然，然 货物在运往装运港过程中遭遇了承包责任范围内风险致使货货物在运往装运港过程中遭遇了承包责任范围内风险致使货 物发生损失，我方遂向保险公司提出索赔，保险公司应该如物发生损失，我方遂向保险公司提出索赔，保险公司应该如 何处理？何处理？ n若请买方协助，由买方向保险公司提出索赔，保险公司又该若请买方协助，由买方向保险公司提出索赔，保险公司又该 如何处理？如何处理？