外贸函电保险培训课件

Objectives

1.保险在外贸业务中的重要性

2.国际贸易中的主要险种

3.涉及保险的商业信函的撰写通过本章的学习，帮助学生掌握:

Humanbeingsaresubjecttovariousunpredictablerisks—riskofdeathordisabilityduetonaturaloraccidentalcauses,riskoflossofordamagetoone’sproperty,etc.Riskhastheelementofunpredictability,butlossescanbemitigatedthroughinsurance.Therearemanytypesofinsuranceproductsavailableforlifeandnon-life—propertyinsurance,lifeinsurance,liabilityinsurance,bondinsurance,tonamejustafew.Cargoinsurancebelongstopropertyinsurance.Cargoinsurancecoversphysicaldamagetoorlossofyourgoodswhilstintransitbyland,seaandairandoffersconsiderableopportunitiesandcostadvantagesifmanagedproperly.Itbringsthepotentiallossofordamagetogoodsintocostandtheinsurer,onthebasisofapremiumreceived,undertakestoindemnifytheinsuredagainstlossfromcertainrisksorperilstowhichthecargoinsuredmaybeexposed.Cargoinsurancehasbecomeamustininternationaltrade.Withoutit,internationaltradecannotbeguaranteed.

OverviewWhatisthepurposeofinsurance?

houseagainstfire.Youcaninsureyourcaragainstaccident/theft.noseagainstharm.lifeinsurance.healthinsurance.Youcaneffectaendowmentinsurance.养老保险

accidentinsurance.burglaryandrobberyinsurance.InsuranceContract(保险合同)1.Definition(1)保险合同是投保人与保险人约定保险权利义务关系的协议Aninsurancecontractisanagreementwherebytheinsurancerightsandobligationsarespecifiedandagreedbytheapplicantandtheinsurer.

(2)投保人——theapplicant

是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。

Anapplicantreferstothepartywhoentersintoaninsurancecontractwithaninsurerandisobligatedtopaythepremiumsundertheinsurancecontract.(3)保险人——theinsurer

是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。Aninsurerreferstotheinsurancecompanywhichentersintoaninsurancecontractwithanapplicantandisobligatedtomakeindemnityorpaymentsoftheinsurancebenefits.(4)被保险人——theinsured被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人，投保人可以为被保险人。Theinsuredreferstoanyonewhosepropertyorpersonisprotectedbytheinsurancecontractandwhoisentitledtoclaimforcompensation.Anapplicantmaybetheinsured.(5)保险标的——Thesubjectmatter保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。Thesubjectmatteroftheinsurancereferseithertothepropertyoftheinsuredandrelatedinterestsassociatedtherewith,ortothelifeandthebodyoftheinsured,whichistheobjectoftheinsurance.(6)保险利益——insurableinterest保险利益是指投保人对保险标的具有的法律上承认的利益。Aninsurableinterestreferstotheinterestwhichtheapplicanthasinthesubjectmatteroftheinsuranceandisrecognizedbylaws.(7)保险事故——insuredevent保险事故是指保险合同约定的保险责任范围内的事故。Aninsuredeventreferstoaneventfallingwithinthescopeofcoverundertheinsurancecontract.(8)保险金额——theinsuredsum保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。Thesuminsuredreferstothemaximumamountwhichtheinsurerundertakestoindemnifyorpayunderitsinsuranceobligation.(10)保险费——thepremium保险费是指投保人向保险人支付的保险合同规定的费用。Thepremiumreferstothechargethattheapplicantpaystotheinsurerasspecifiedintheinsurancecontract.(11)保险价值——insuredvalue保险价值是指保险标的的保险价值，保险价值可以由投保人和保险人约定并在合同中载明，也可以按照保险事故发生时保险标的的实际价值确定。Theinsuredvalueofthesubjectmatteroftheinsurancemaybeagreedbytheapplicantandtheinsurer,andspecifiedinthecontract;oritmaybeassessedbasedontheactualvalueofthesubjectmatteroftheinsuranceatthetimeoftheoccurrenceoftheinsuredevent.FundamentalPrinciplesofCargoesInsurance（保险的基本原则）(1)保险利益原则——Theinsurableinterest投保人对保险标的应当具有保险利益。Anapplicantshallhaveaninsurableinterestinthesubjectmatteroftheinsurance.投保人对保险标的不具有保险利益的，保险合同无效。

Aninsurancecontractisnullandvoidiftheapplicanthasnoinsurableinterestinthesubjectmatteroftheinsurance.(2)最大诚信原则——TheUtmostGoodFaith订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标的或者被保险人的有关情况提出询问，投保人应当如实告知。Theinsurershall,priortotheconclusionofaninsurancecontract,explainthecontracttermsandconditionstotheapplicantandmayinquireaboutthesubjectmatteroftheinsuranceorpersontobeinsured.Theapplicantshallmakeafullandaccuratedisclosure.(3)赔偿原则——Indemnity保险金额不得超过保险价值；超过保险价值的，超过的部分无效。Thesuminsuredshallnotexceedtheinsuredvalueofthesubjectmatteroftheinsurance,andanyportionexceedingtheinsuredvalueofthesubjectmatteroftheinsuranceisnullandvoidasamatteroflaw.TwoSubsidiaryPrinciplesUndertheindemnityprinciple,therearetwosub-principles:1)Contribution(分摊)2)Subrogation(代位追偿)4.TheDoctrineofProximateCause(近因原则)风险：risks,perils

totalloss损失：lossesparticularaveragepartialloss(单独海损）

generalaverage

（共同海损）险别：risks,perils,coverages

保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着紧密的联系，为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解。ScopeofCoverageRisksLossesExpensesPerilsoftheseaExtraneousrisksNaturalcalamityFortuitousaccidentsGeneralextraneousrisksSpecialextraneousrisksTotallossPartialLossActualtotallossConstructivetotalloss

Generalaverage

ParticularaverageSueandlaborexpensesSalvagechargesRisksandLossesinCargo

Transport

Inmarinecargotransportinsurance,risksfallinto:1.PerilsoftheSea海上风险险1)NaturalCalamity自然灾害害(theperilsunderforcemajeuresuchasvileweather,thunderstormandlightening,earthquake,flood,etc.)2)FortuitousAccidents意外事故故(riskssuchasshipstranding,strikingupontherocks,shipsinking,shipcollision,fire,explosion,etc.)2.ExtraneousRisks外来风险险1)GeneralExtraneousRisks一般外来来风险(riskscausedbytheft,rain,leakage,shortage,dampness,heating,hooking,rusting,etc.)2)SpecialExtraneousRisks特殊外来风风险(riskscausedbyondeck,war,strikes,failureofdeliveryandrejection,etc.)RisksinMarineCargoTransportHeavyweatherlighteningearthquakeVolcaniceruptiontunamiNaturalCalamitiesFortuitousaccidentsfireexplosioncollisionstrandedsunkgroundedLossesinMarineCargoTransportThelossesanddamagesdonetothegoodscanfallinto:1.TotalLoss全部损失1)ActualTotalLoss实际全损（thewholelotoftheconsignmenthasbeenlostordamagedorfoundvaluelessuponthearrivalattheportofdestination)2)ConstructiveTotalLoss推定全损(theactuallossoftheinsuredgoodsisunavoidable,ortheshiportheconsignmenthastobeabandonedbecausethecostofsalvageorrecoverywouldexceedthevalueoftheshipandtheconsignmentinsoundconditionuponthearrivaloftheportofdestination.)2.PartialLoss部分损失1)GeneralAverage(G.A.)共同海损(whenboththeshipandtheconsignmentsonboardareengagedandthecaptain,forthesafetyoftheshipandtheconsignments,intentionallyandreasonablydoessomesacrificesormakessomeexpenses.)2)ParticularAverage(P.A)单独海损(aparticularconsignmentispartiallydamaged)TheconditionforformingG.A.1.Thesafetyoftheshipandthecargoisthreatened;2.Themeasurestakenareconsciousandreasonable;3.Thesacrificeisparticularandexpensesareextra;4.ThesacrificeandexpensesmustbeeffectiveintheendExpensesExpensesherefallintothefollowingkinds:Sueandlaborexpenses施救费用(madebytheinsuredorhisagenttopreventthemfromsufferingfurtherlosses)Salvagecharges救助费用(madetothoseotherthantheinsured,thecarrierandtheinsurerwhocometothesalvageoftheshipandtheconsignments.OceanMarineInsuranceunderC.I.CTheChinaInsuranceClauses(C.I.C)issuedbyPeople’’sInsuranceCompanyofChina(PICC)providesbothbasicriskscoverageandadditionalriskscoverageformarinecargotransport.Theformercanbefurtherdividedintothreeconditions:FreeFromParticularAverage(F.P.A),WithParticularAverage(W.P.A.)andAllRisks（A.R.）andthelatterincludesgeneraladditionalrisksandspecialadditionalrisks.ChinaStateInsuranceOrganizationInChina,ChinaInsuranceClauses(C.I.C.）issuedbythePeople’sInsuranceofChina(PICC)ismainlyadoptedforinternationalcargotransportationinsurance.BasicRisksCoverageAdditionalRisksCoverage

AllRisks(AR)FreefromParticularAverage(FPA)

WithParticularAverage(WPA/WA)GeneralAdditionalRisksSpecialAdditionalRisksFPA:(FreefromParticularAverage)平安险自然灾害造造成的全部部损失+意外事故造造成的全部部和部分损损失+海上费用WPA:水渍险FPA+自然灾害造造成的部分分损失AllRisk:一切险WPA+一般外来风风险所造成成的全部损损失和部分分损失（一一般附加险险）OceanTransportInsuranceClausesBasicRisksCoverage基本险FPA平安险WPA水渍险AR一切险TotalLossPartialLossFPAPartialLossWPATotalLossPartialLossOceanMarineCargoClausemodifiedon1January1981provides:AllRisks=F.P.A.+W.A.+GeneralAdditionalRisksScopeofinsuranceresponsibilities:AR>WPA>FPAAdditionalRisksCoverageforOceanTransportunderC.I.C1)GeneralAdditionalRisks2)SpecialAdditionalRisks附加险AdditionalRisksGeneralAdditionalRisks一般附加险险SpecialAdditionalRisks特殊附加险险Fallinto8types,suchaswarrisksandstrikerisks.Fallinto11typescoveredinAllRisksOceanMarineCargoClausemodifiedon1January1981provides:Generaladditionalriskscoverlossescausedbyextraneousrisksandcanbeclassifiedintofollowingtypes:1.TheftPilferageandNon-Delivery,T.P.N.D.偷窃、提货货不到险；；2.RainFreshWaterDamage,F.W.R.D.淡水雨淋险险；3.RiskofShortage短量险；4.RiskofIntermixtureandContamination混杂、玷污污险；5.RiskofLeakage渗漏险；6.RiskofClashandBreakage碰损、破碎碎险；7.RiskofOrdour串味险；8.DamageCausedbysweatingandHeating受潮受热险险；9.HookDamage钩损险；10.LossandDamageCausedbyBreakageofPacking包装破裂险险；11.RiskofRust锈损险.GeneralAdditionalRiskSpecialadditionalriskscoverlossescausedbyspecialextraneousrisks.Normallytheyareclassifiedintofollowingtypes:1.WarRisks战争险;2.Strikerisks罢工险;3.Aflatoxin黄曲霉素险险;4.Failuretodeliver交货不到险险;5.OnDeck舱面险;6.ImportDuty进口关税险险;7.Rejection拒收险;8.FireRiskExtensionClause,F.R.E.C.———forstorageofcargoatdestinationHongKong,includingKowloon,orMacao货物出口到到香港（包包括九龙））或澳门存仓火险责责任扩展条条款（））。SpecialAdditionalRisksExclusions(除外责任)refertolossesandexpensesforwhichtheinsurancecompanydeclaresclearlynottoberesponsible.Theyusuallyinclude:1)Lossordamagecausedbytheintentionalactorfaultoftheinsured;2)Lossordamagefallingundertheliabilityoftheconsignor;3)Lossordamagearisingfromtheinferiorqualityorshortageoftheinsuredgoodspriortotheattachmentofthisinsurance;4)Lossordamagearisingfromnormalloss,inherentviceornatureoftheinsuredgoods,lossofmarketand/ordelayintransitandanyexpensesarisingtherefrom;5)Risksandliabilitiescoveredandexcludedbythewarrisksclauseandstrikes,riotandcivilcommotionclausesunderC.I.C.ExclusionsCommencementandTerminationofBasicInsuranceThecommencementandterminationofbasicinsuranceareusuallystipulatedbyadoptingthecustomaryWarehousetoWarehouseClause,W/W.BytheW/Wclause,theliabilityoftheinsurerisextendedtocoverpre-shipmentandpost-shipmentrisk.Theinsuredgoodsarecoveredfromthetimewhentheyleavethewarehouseattheplacenamedinthepolicyforthecommencementofthetransitandcontinuetobecovereduntiltheyaredeliveredtothefinalwarehouseatthedestinationnamedinthepolicy,butthepolicyprovidesanoverridingtimelimitof60daysafterthecompletionofdischargeoftheinsuredgoodsfromtheseagoingvesselatthefinalfortofdischarge.Ontheexpirationofthattimelimitof60daysthecoverceasestoprotectthegoodseventhoughtheyhavenotreachedthefinalwarehouse.InsuranceofLand,AirandParcelPostTransportOverlandTransportCargoInsuranceOverlandTransportInsurance&OverlandTransportAllRisksOverlandTransportCargoWarRisksAirTransportInsuranceParcelPostInsuranceParcelPostRisks&ParcelPostAllRisksParcelPostWarRisksAirTransportInsurance&AirTransportAllRisksAirTransportCargoWarRisksUnderCIC,PICCsetsoverland,airtransportandparcelpostinsurancerespectivelyaccordingtovariousmeansoftransport.InsurancePracticeofInternationalTradeInthecaseofaCIFcontract,theexporterwilleffectinsuranceimmediatelyafterreceivingtheletterofcreditfromthebuyer.Forinsurance,hewillpreparenecessarydocumentsandfillinanApplicationforInsurance.Insuranceshallbeeffectedbeforeshipmentismadeorbeforetheconsignmentisdeliveredtothecarrier.InthecaseofanFOBorCFRcontract,thebuyerwilleffectinsuranceandopenpolicywouldbepreferredtoavoidfailureofinsurance.Attentionispaidtothefollowingpointsineffectinginsurance:1.WhethertheinsurancecoverageisunderC.I.C.orI.C.C(InstituteCargoClauses,伦敦保险协会会InstituteofLondonUnderwriters制定的海运货货物保险条款）.2.Whattypeofcoverageisrequired,forexample,F.P.A.orW.P.A.3.Whethertheinsuredamountis110%oftheinvoiceamountormorethanthat.4.Whetherinsuranceisineffectbeforethedateofshipment,5.Thecurrencyoftheinsuranceshallbethesameastheinvoicecurrencytoavoidforeignexchangeexposure.1)WhoisgoingtoarrangetheinsuranceunderthefollowingpricetermsCIF,FOBandCFR?2)ChoosetheInsuranceCoverageThefollowingfactorsshouldbetakenintoaccountforadoptinginsurancecoverage:1)Thecharacteristicsofthecargo;2)Thepackingofthecargo;3)Themodeoftransport;4)Thelineandportoftransport;5)Theseasonoftransport;6)Possiblelossesanddamagesintransit.Whatinsurancecoverwouldyouchooseforthefollowingproducts?1)shoes2)Logsofwood.3)Woodentoys.4)Heavymachinery5)Plywood6)BicyclesProbably,youwillgivethefollowinganswers(1),(3),(4)and(6)wouldprobablybeinsuredagainstAllRisksbecausetheyarepronetobedamagedintransit.Mostmanufacturedgoodsfallintothiscategory.(2)wouldbeinsuredagainstF.P.A.,forwhileitcouldbelostitisnotlikelytobedamaged.(5)ontheotherhandwouldbeinsuredagainstW.P.A.becauseitcouldbedamagedintransit,butislesspronetobedamagedthanthefinishedproductsmentioned.3)InsuredAmountandInsurancePremiumTheinsuredamountthehighestcompensationamountundertakenbytheinsurerthefoundationforcalculatingtheinsurancepremium.usuallycalculatedonthebasisoftheCIFinvoicevalueplus10%or15%representingananticipatedprofitforthebuyer.TheformulaforcalculatingtheinsuredamountunderCIFtradeterms:InsuredAmount=CIFpricex(1+markuppercentage)Theinsurancepremiumtheamountofmoneypaidbytheinsuredinordertomaketheinsurancecontractcomeintoforcethebasicproceedscaredbytheinsurerusuallycalculatedaccordingtotwokindsofrates:thegeneralpremiumrateandthenamedcargopremiumrate.TheformulaforcalculatingthepremiumunderCIFtradeterms:InsurancePremium=insuredamountxpremiumrate=CIFpricex(1+markuppercentage)xpremiumrate保险费=CIF价x（1+投保加成率））×保险费率例如，某CIF合同价值为USD12000，投保一切险险与战争险，，费率分别为为0.6%和0.4%，请问保险金额和保险费各多多少？Answer:InsuredAmount:USD12000x110%=USD13200InsurancePremium:USD13200x(0.6%+0.4%)=USD132关于投保加成成国外买方一般般要将预期利利润和有关费费用加入货价价内一并进行行投保，以防防货物万一遭遭损后，可从从保险公司得得到应有的赔赔偿。这种在在货价之外的的金额即为加加成。一般按按CIF价值加一成(即10％)。也可根据具具体情况加二二成或三成。。不过如按二二成三成加保保，其保费的的差额部分应应由买方负担担，如国外要要求超过三成成时，应征求求保险公司意意见。在签订订贸易合同时时不能贸然接接受。InsuranceDocumentsInsuranceCertificate保险凭证OpenPolicy预约保险单InsurancePolicy保险单4)InsuranceDocumentsCombinedCertificate联合凭证Endorsement批单4)InsuranceDocumentstheevidencedocumentsonthestrengthofwhichtheinsurancecontractissignedbyandbetweentheinsurerandtheinsured.Commonlyusedinsurancedocumentsininternationaltrade:(1)Insurancepolicy:themostlyusedinsurancedocument.(2)Insurancecertificate:asimplifiedinsurancedocument.Thecertificatecarriesthesamecontentsastheinsurancepolicyexceptfortheobligationsandrightsoftheinsurerandtheinsured.(3)Combinedcertificate:thecombinationoftheinvoiceandinsurancepolicy,muchsimplerthantheinsurancecertificate.Itisnotoftenusednow.(4)Openpolicy:alsoknownasopencover,thegeneralcontractbetweentheinsured(normallytheimporter)andtheinsurer,oftenusedinimporttransactionsinChina.(5)Endorsement:Aftertheinsurancepolicyisissued,iftheinsuredwantstoaddorchangesomeitemsofthepolicy,theinsuredcan,withtheinsurancecompany’sconsent,applyfortheadditionandchange.Thedocumentissuedtostatetheadditionalitemsorchangesisknownasendorsement,whichisconsideredanindispensableparttothepolicy.openpolicy预约保单预约保单又称称“开口保单单”、“敞口口保单”，是是保险公司承承保被保险人人在一定时期期内发运的，，以CIF价格条件成交交的出口货物物或以FOBCFR价格条件进口口货物的保险险单。预约保保险单载明保保险货物的范范围、承保险险别、保险费费率、每批运运输货物的最最高保险金额额以及保险费费的计算办法法。凡属预约保单单规定范围内内的货物，一一经起运保险险合同即自动动按预约保单单上的承保条条件生效，但但要求投保人人必须向保险险人对每批货货物运输发出出起运通知书书，也就是将将每批货物的的名称、数量量、保险金额额、运输工具具的种类和名名称、航程起起讫点、开航航或起运日期期等通知保险险人，保险人人据此签发正正式的保险单单证。预约保单主要要适用于大量量进出口货物物运输保险。。TheinsuranceclauseinaS/Cshouldspecifytheinsuredamount,andtheriskstobecoveredbytheinsurer.1)InthecontractsunderFOB,CFR,FCAandCPTtradeterms,thebuyeristoarrangeinsuranceandpaypremium.Inthecontractregardinginsurance，itcanonlystipulates:“Tobeeffectedbythebuyers”.InsuranceClauseoftheContract2)IntheCIForCIPcontract,theinsuranceclausecanstipulate：Insurancetobecoveredbythesellersfor110%ofthetotalinvoicevalueagainstallrisksandwarrisks,asperOceanMarineCargoClausesandOceanMarineCargoWarRisksClausesofthePeople’sInsuranceCompanyofChina,dated1/11981.….MoreexamplesInsuranceshallbeeffectedfortheamountoftheseller’’sCIFinvoicevalueplus10%againstW.P.A.Anyadditionalinsurancerequiredbythebuyershallbeathisownexpense.ThesellermayinsureagainstWarRiskatthebuyer’’srequestandathisexpense.Incasetherateofrelevantinsurablepremiumshallberaisedbetweenthetimeofconcludingcontractandthatofshipment,thisexcesspremiumshallbeonthebuyer’’saccount.MarineinsurancetobeeffectedbytheselleragainstW.P.A.forCIFinvoiceamountplustenpercentonly,anyadditionalinsurancerequiredbythebuyershallbeeffectedbyhimandathisownexpense.TheinsuranceshouldbeeffectedbythebuyerifthecontractisconcludedonFOBorCFRbasis.However,thesellershould,immediatelyafterthegoodsarecompletelyloadedatportofshipment,faxtonotifythebuyeroftheconsigneeofthecontractnumber,nameofthecommodity,quantity,grossweight,measurement,invoicevalueandnumberofB/L,nameofthevessel,thedateofshipment,etc.Incasethegoodsarenotinsuredintime,owingtotheseller’’sfailuretogiveshippingadvicetimely,anyandallconsequentlossesshouldbebornebytheseller.InsuranceClaimSettlementforDamagestoExportedGoodsIftheexportedgoodsaredamagedorlostduringtransit,theconsigneeorhisagentshouldsettleclaimsagainsttheSurveyandClaimSettlementAgentoftheinsurerattheplaceofdestination.TheSurveyandClaimSettlementAgentwillcometoexaminethedamagesandlossesoftheconsignmentandpayindemnitytotheconsignee.Inconductingclaimsettlementwiththeinsurer,theinsuredshoulddothefollowing:1.Informthedamageorloss2.Makeaclaimagainstthepartiesconcerned3.Takenecessaryorreasonablemeasures4.Preparethefollowingdocumentsfortheclaiminsurancepolicyorthelike;billoflading,airwaybill,orthelike;invoice;packinglistandweightmemo;cargodamageorlossreport;cargosurveyreport;seaprotest;statementoftheclaim;documenttestifyingtheclaimagainstthethirdparty.Follow-upPractice1.ReviewandDiscussionQuestions.1)Whyisinsuranceindispensabletointernationaltrade?2)Whatarethefundamentalprinciplesofinsurance?3)Whatarethemajortypesofrisksinmarinecargotransport?4)Whatisconstructivetotallossandwhatisthedifferencebetweenactualtotallossandconstructivetotalloss?5)What’sthedifferenceofGeneralAverageandParticularAverage？6)Whatarethemajortypesofbasicriskscoverageandadditionalriskscoverage?7)ExplainthescopeofcoverageofF.P.A.andW.P.A.?8)WhatisW/WClause?9)Whatisthedifferencebetweentheinsurancepolicyandinsurancecertificate?10)Howtochoosetherightinsurancecoverage？.DifferentInsuranceClausesInsuranceCoverageThreeBasicRisksOtherAdditionalRisksInsurancePolicy/Certificate（保险单/凭证）OpenPolicy（预约保险单单）Differentwaysofexpressingtheinsuredamount（保险金额））InsurancePremium（保险费）Main&DifficultPointsinsurancen.保险insuranceclause保险条款insurancecoverage保险范围/险别insuranceamount保险额insurancepremium保险费insuranceagent保险代理人insurancebroker保险经纪人Underwriter保险商Insurancecompany保险公司Insurer保险公司，保保险人theinsured被保险人insuredcargo/goods投保货物insurancedeclaration保险声明书；；保险通知书书insurancepolicy保险单,俗称大保单，，正规保单---保险单除载明明投保各项内内容外，还列列有保险公司司的责任范围围及双方的权权利义务。insurancecertificate保险凭证,分保单，俗称称小保单----简式保单，对对双方的权利利义务未加叙叙述，常用于于双方订有预预约保单的情情况下。TypesofInternationalcargotransportinsurance国际货物运输输保险种类Airtransportationinsurance航空运输保险险Overlandtransportationinsurance陆运险Parcelpostinsurance邮包运输险Marineinsurance水险，海运险险1.ChinaInsuranceClauses中国保险条款款（C.I.C）(madebyPICC)OceanMarineCargoClauses中国海洋运输输货物保险条条款（OMCC）2.InstituteCargoClauses协会货物保险险条款（I.C.C）①ICC(A)④④InstituteWarclauses--Cargo②ICC(B)⑤⑤InstituteStrikeclauses--Cargo③ICC(C)⑥⑥MaliciousDamageClause恶意损害险条条款InsuranceClauses保险条款ScopeofMarineInsurance1.Risk:(1)perilsofthesea海上风险1)NatureCalamities自然灾害2)Accidents意外事故(2)ExtraneousRisks外来风险1)GeneralExtraneousRisks一般外来风险险2)SpecialExtraneousRisks特殊外来风险险2.Cost(1)TotalLoss全部损失1)ActualTotalLoss实际全损2)ConstructiveTotalLoss推定全损(2)PartialLoss部分损失(1)GeneralAverage共同海损(2)ParticularAverage单独海损3.MarineCharge海上费用(1)SueandLaborCharge施救费(2)SalvageCharge救助费用1.BasicRisks基本险：FPA(FreefromParticularAverage)平安险WAorWPA(WithaverageorWithParticularAverage)水渍险AllRisks一切险，综合合险2.GeneralAdditionalRisk一般附加险3.SpecialAdditionalRisk特殊附加险WarRisk战争险S.R.R.C(strikes,Riots,CivilCommotions)罢工、暴动、、民变险ImportDutyRisk进口关税险RejectionRisk拒收险FailuretoDeliverRisk交货不到险InsuranceCoverageofCICGeneraladditionalrisks(一般附加险））Theft,Pilferage&Non-DeliveryRisks(T.P.N.D)偷窃提货不着着险Freshand/orRainWaterDamageRisks(FWRD)淡水雨淋险ShortageRisk=RiskofShortage短量险Intermixture&ContaminationRisks混杂，沾污险险LeakageRisk=RiskofLeakage渗漏险Clash&BreakageRisks碰损，破碎险险TaintofOdorRisk串味险Sweating&Heating受潮受热险HookDamageRisk钩损险RustRisk=RiskofRust锈损险BreakageofPackingRisk包装破损险FPA:(FreefromParticularAverage)平安险自然灾害造成成的全部损失失+意外事故造成成的全部和部部分损失+海上费用WPA:水渍险FPA+自然灾害造成成的部分损失失AllRisk:一切险WPA+一般外来风险险所造成的全全部损失和部部分损失（一一般附加险））InsurancePolicy/Certificate保险单（InsurancePolicy)，俗称大保单单。保险人和被保保险人之间成成立保险合同同关系的正式式凭证。内容除载明被被保险人、保保险标的（如如是货物段填填明数量及标标志）、运输输工具、险别别、起讫地点点、保险期限限、保险价值值和保险金额额等项目外，，还附有关保保险人责任范范围以及保险险人和被保险险人的权利和和义务等方面面的详细条款款。如当事人双方方对保险单上上所规定的权权利和义务需需要增补或删删减时，可在在保险单上加加贴条款或加加注字句。保保险单是被保保险人向保险险人索赔或对对保险人上诉诉的正式文件件，也是保险险人理赔的主主要依据。保险凭证（InsuranceCertificate），俗称小保保单。它是保险人人签发给被保保险人，证明明货物已经投投保和保险合合同已经生效效的文件。证上对保险条条款做了简略略，对背面条件不不做详细记载载，表明按照照本保险人的的正式保险单单上所载的条条款办理。保保险凭证具有有与保险单同同等的效力。。保险证明一一般需要投保保人会签生效效。LanguagePoints1.投保；办理保保险的表达法法toinsure+(against)险别toinsure(cover)sb.onsth.为。。。投保保toinsure(cover)sth.against(for,with)….coverEffectArrangeTakeoutProvideIssueOn….(货物/贸易术语）For…(保险金额）At…（保险费率））Against…(保险险别）WPA/FPA前不用With……(保险公司）By…(投保人）InsuranceLanguagePoints请投保一切险险。Pleaseinsureagainstallrisk.请投保平安险险。PleaseinsureFPA.我们已给这些些货物投保水水渍险。WehaveinsuredthegoodsWPA.我们已注意到到你方愿意按按发票金额的的130%投保。我们正正在洽办中。。Wenotedthatyouwishtoinsureshipmentfor130%oftheinvoicevalue,whichishavingourdueattention.LanguagePoints5）我们将为你方方所订货物投投保偷窃、提提货不着险。。WeshallcoverinsuranceonyourorderagainstTPND.你方货物适合合投保水渍险险和破碎险。。W.P.A.plusRiskofBreakagesuityourconsignment.InsuranceistobemadeonthegoodsbytheselleragainstAllRisksfor110%oftheinvoicevaluewithPICCattherateof0.3%除了水渍险和和战争险外，，你们还保其其它险吗？8)DoyoucoverrisksotherthanW.P.A.andWarRisk?9)对离岸价格及及成本加运费费价格条件的的卖货，保险险由买方办理理。ForFOBandCFRsales,insuranceistobecoveredbybuyers.LanguagePoints2.forone’saccount由…支付atone’scostbebornebybechargedtoone’saccount额外运费由买买方负担。Theextrafreightistobeforbuyer’saccount.这批货物是我我们代我分公公司购买的。。Weboughtthegoodsfortheaccountofourbranchoffice.按常规，涉及及的额外保险险费应由买方方负责。Asarule,theextrapremiuminvolvedwillbeatbuyer’’scost.LanguagePoints3.debitnote借方方通通知知；；索索款款通通知知单单debitanamounttoone’’saccount把一一笔笔金金额额记记入入某某人人帐帐户户的的借借方方debitone’’saccountwithanamount把一一笔笔金金额额记记入入某某人人帐帐户户的的借借方方TheBankofChinahaddebitedhisaccountwiththeamountof$5forhalf-yearlybankcharges.中国国银银行行把把一一笔笔五五美美元元的的帐帐记记入入他他的的帐帐户户的的借借方方，，作作为为半半年年的的银银行行手手续续费费。。LanguagePoints1)保险险费费是是根根据据投投保保险险别别的的保保险险费费率率计计算算的的。。Thepremiumiscalculatedaccordingtothepremiumrateorratesforriskstobecovered.2)Insuranceofthegoodsistobecoveredbyusfor110%oftheCIFvalue,andanyextrapremiumforadditionalinsurance,ifrequired,shallbebornebythebuyers.Premiumrate保险险费费率率premiumrebate保险险费费回回扣扣premiumtariff保险险费费率率表表extrapremium额外外保保险险费费4.premiumn.保险险费费货物物的的保保险险将将由由我我方方以以CIF价的的110%投保保。。如如果果要要求求投投保保附附加加险险，，额额外外保保险险费费将将由由买买方方自自理理。。LanguagePoints5.coveragen.承保保范范围围；；险险别别总总称称insurancecoverage保险险范范围围我方方按按发发票票金金额额的的110%投保保仅仅至至目目的的港港。。Ourinsurancecoverageisfor110%ofinvoicevalueuptotheportofdestinationonly.KindlynotethattheinsurancecoversFPAandWarRisksonly.Shouldadditionalinsurancecoverageberequired,theextrapremiumincurredwouldbeforthebuyers’’account.请注注意意保保险险只只包包括括平平安安险险和和战战争争险险。。如如果果要要求求投投保保附附加加险险，，所所需需额额外外保保险险费费将将由由买买方方支支付付。。3)W.P.A.coverageistoonarrowforashipmentofthisnature.PleaseextendthecoveragetoincludeTPND.对这这种种性性质质的的货货物物只只投投保保水水渍渍险险是是不不够够的的，，请请加加保保偷偷窃窃提提货货不不着着险险。。PracticeTranslatethefollowingsentencesintoEnglish:根据据你你方方要要求求，，我我们们将将按按发