国际贸易实务-6 INSURANCE

6INTERNATIONALCARGOTRANSPORTATIONINSURANCEUnderstanding:Risk,AverageandExpensesCargoinsuranceclauseofPICC(CIC)andICCInsurancedocumentsInsurancecontractpartiesGrasp:GeneralAverage,ParticularAverageInsurancecoverageofBasicRiskandAdditionalRiskSue&Labourcharges,SalvageChargesW/WClauseInsurancedocument’stype,characteristicsandfunctionAbandonmentandSubrogationRightThecalculationofinsuredvalue&insuranceamountTheconversionbetweenthepriceofdifferenttradetermsMarineCargoInsuranceCoverageRiskPerilsoftheSeaNaturalCalamitiesHeavyWeatherLightningTsunamiWashingOverboardFloodEarthquakeVolcanicEruptionEntryofsea,lakeorriverwaterintovesselcraft,hold,conveyance,container,orplaceofstorageFortuitousAccidentsFireExplosionGroundingStrandingSunkCollisionCapsizedJettisonSlingLossExtraneousRiskGeneralExtraneousRisksSpecialExtraneousRisksAverageTotalLossActualTotalLossConstructiveTotalLossPartialLossGeneralAverageParticularAverageNecessaryconditionfortheGeneralAverageDangeractuallyexistsandisinevitableDangeriscommon;themeasuresarereasonableSacrificeistheresultofintentionalacts;CostsareextraLossisthelossofextraordinarycircumstancesGeneralAverageContributionAfterthegeneralaverageoccurred,everysacrificeandexpensefallwithinthescopeofgeneralaverage,whichallneedthroughtheadjustmentofgeneralaverage,andbeapportionedwithratiobytherescuedbeneficiaries(ship,cargoandfreightrevenueside)accordingtotheoriginalvalueofthesalved.《York-AntwepRules》《BeijingG.A.SettlementRules》Survivedtheunderlyingvalue(Insurancevalueofthesubjectstatedonthepolicy)ParticularAverageOnlyinvolvestheunilaterallossoftheship’sortheownerofthegoods’interestsThedifferencesbetweenGeneralAverageandParticularAverageGeneralAverageParticularAverageCausedbydifferentreasonsNaturalcalamitiesFortuitousaccidentsExtraneousriskHuman-causedlossesandadditionalcostsAssumeresponsibilityforthelossInjuredpartytoassumeAllbenefitingpartiessharingaccordingtothesizeofitsbenefitratioExpensesSueandLabourExpensesThepersonwhotakesmeasuresmusthasdirecteconomicinterestwiththesubjectmatterinsured.SalvageChargeAthirdpartyexcepttheinsuredortheinsurerOtherexpensesCase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3万美元，将船舶驶上浅滩以及产生的一连串损失共为8万美元，则如何分摊损失？（该船舶价值为100万美元，船上载有甲乙丙三家的货物，分别为50万、33万、8万美元，待收运费为2万美元）有关各方获救价值（万美元）分摊比例分摊金额（万美元）船方1008÷190=4.21%4.21货方甲502.105货方乙33-3=301.263货方丙80.3368运费方20.0842合计1907.999ChinaInsuranceClause,CIC

(PICC)CICMarinecargoinsuranceRoadtransportationcargoinsurancePostalcargoinsuranceAirtransportationcargoinsuranceMarinecargoinsuranceBasicRisksFPA,Freefromparticularaverage平安险Totallossofnaturaldisasters;thetotalorpartiallossundertheaccidentWA/WPA,Withparticularaverage水渍险FPA+PartiallossofnaturaldisastersAllrisks一切险WA+GeneraladditionalrisksAdditionalRisksGeneraladditionalrisks一般附加险11kindsSpecialadditionalrisks特殊附加险SpecialRisksSeller’scontingentinterestrisks卖方利益险Frozenproductsrisks冷藏险Bulkwoodoilrisks散装桐油险TPND,Theft,PilferageandNon-deliveryFreshWater/RainDamageShortageIntermixtureandContaminationLeakageClashandBreakageTaintofOdourHookDamageSweatandHeatingBreakageofPackingRustWarRiskStrikesFailuretoDeliveryImportDutyRiskOnDeckRiskRejectionRiskAflatoxinAllRisks

WA/WPAFPAGeneralAdditionalRisksSpecialAdditionalRisksGeneralAdditionalRisksSpecialAdditionalRisksSpecialAdditionalRisksExclusionsDurationW/W,Warehousetowarehouseclause---forbasicrisksShipper’sWarehousePortofshippmentConsignee’sWarehousePortofdestination(terminate60dayslateraftercargosunloaded)Thedestinationunspecifiedinthepolicy（theresponsibilityterminateatthebeginningoftransfer）Theperiodofclaim

…shallbesubjecttotheprovisionsoftherelevantinsurance,transport,orthesalescontract…Claimstoinsurancecompanieswithin2yearsfromthedateofthecargounloadedfromthemeansoftransportClaimtotheshippingcompany15-60daysafterthecargoreachedthedestinationClaimtothesellerWithin60daysofreceiptofthegoodsThemainevidencerequiredininsuranceclaimsOriginalinsurancedocumentsOriginaltransportdocumentCommercialinvoicePackingList/WeightListInspectionreport/Damage,shortageproofClaimsheetInstituteCargoClause,ICC

(InstituteofLondonUnderwriters,ILU)6kindsofrisksICC(A)---insuranceliabilityisthemostwidelyICC(B)ICC(C)IWCC,InstituteWarClause-CargoISCC,InstituteStrikesClause-CargoMaliciousDamageClause---additionalriskInsuranceClause&

InsuranceDocumentInsuranceclause“Insurancetobecoveredbythebuyer”“Insurancetobecoveredbythesellerfor110%oftotalinvoicevalueagainstAllRisk,WarRiskandSRCCaspertherelevantOceanCargoClauseofthePICCdatedJan.1,1981”PartiesCoverageInsuredamount----includingadditionalinsuredvalueInsurancecompanyandclauseInsurancedocumentsItshouldbestipulatethatthesellermustprovidetheinsurancedocumentstothebuyer,ifthesellerbuystheinsuranceInsurancedocumentsInsurancePolicyInsuranceCertificateOpenPolicyBasicconceptsSubjectmatterinsuredApplicantInsurer/UnderwriterBeneficiary/TheinsuredpolicyholderCoverageInsuredvalueInsuredamountPremium1‰~4‰

Calculationofinsurance

某批出口货物的CPT价值是USD20000，如果按10%投保加成，投保一切险，费率为1.5‰，加保战争险和罢工险，费率均为0.5

‰问：货物的CIP价值是多少？

保险金额是多少？

保险费是多少？AbandonmentWhenthesubject-matterinsuredisinastateofconstructivetotalloss,theinsuredintheastatementtotheunderwriteriswillingtotransferalltherightsandinterestsoftheinsurancemarktotheinsurer,includingpropertyrightsandtheresultingrightsandobligations.Thentheinsurerpaycompensationtotheinsuredinaccordancewiththetotalloss.RightofSubrogationAftertheunderwriterpayingcompensationamountofthetotalorpartialloss,herequiretheinsuredtotransferitsrightswhich“hastheclaimtothirdpartywhohastheliabilityfordamagefortotalorpartialloss",inordertopreventthedoublebenefitofth