国贸双语货物运输保险

InternationalTradePractice

国际贸易实务

Chapter4整理课件InternationalCargoTransportationInsurance

国际货物运输保险

整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围PerilsandRisks

风险RisksPerilsoftheSeaNaturalCalamities:badweather,thunderandlightening,earthquake,flood,tsunami,etc.FortuitousAccidents:grounding,stranding,sunk,collision,fire,explosion,missing,etc.ExtraneousRisksGeneralExtraneousRisks:theft,breakage,leakage,contamination,etc.SpecialExtraneousRisks:militaryaffairs,war,strike,failuretodelivery,rejection,etc.整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围PerilsandRisks

风险GeneralExtraneousRisks一般外来风险Theft/Pilferage偷窃Contamination沾污Leakage渗漏Breakage破碎Sweatingand/orHeating受热受潮TaintofOdor串味Rusting生锈HookDamage钩损Freshand/orRainWaterDamage淡水雨淋险ShortageinWeight短量Clashing碰损整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围PerilsandRisks

风险Specialextraneousrisks特殊外来风险WarRisk战争险StrikesRisk罢工险RejectionRisk拒收险FailuretoDeliveryRisk交货不到险AflatoxinRisk黄曲霉菌险OnDeckRisk舱面险整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围Loss

损失MarineLossesA.TotalLossActualTotalLossConstructiveTotalLossB.PartialLossGeneralAverageParticularAverage整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围Loss

损失TotalLoss

全部损失ActualTotalLoss实际全损ConstructiveTotalLoss推定全损整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围Loss损失PartialLoss局部损失GeneralAverage共同海损ParticularAverage单独海损ThedifferencesbetweenGAandPA整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围Charge

费用SueandLaborCharges施救费用Theyareextraordinaryexpensesmadeinatimeofperilbytheinsuredtoacttoavertorminimizeanylossofordamagetothesubjectmatterinsured.整理课件

4.1CoverageofMarineCargoInsurance

海上货物运输保险承保范围Charge

费用SalvageCharges救助费用Theyareexpensesresultingfrommeasuresproperlytakenbyathirdpartyotherthantheinsured,hisagent,oranypersonemployedbythemtopreservemaritimepropertyfromperilsatsea.整理课件

4.2OceanMarineCargoClausesofCIC

我国海运货物保险条款BasicOceanMarineCargoInsurance根本险别FreefromParticularAverage(FPA〕平安险FPAmeansthecompensationdoesnotcoverParticularAverage.WithAverage:WPAorWA水渍险整理课件

4.2OceanMarineCargoClausesofCIC

我国海运货物保险条款BasicOceanMarineCargoInsurance根本险别WithAverage:WPAorWA水渍险AsidefromtheriskscoveredunderFPAconditionsasabove,thisinsurancealsocoverspartiallossesoftheinsuredgoodscausedbynaturalcalamitiessuchasheavyweather,lightning,tsunami,earthquakeorflood(excludingFPA).整理课件

4.2OceanMarineCargoClausesofCIC

我国海运货物保险条款BasicOceanMarineCargoInsurance根本险别Allrisks:AR一切险AsidefromtheriskscoveredundertheFPAandWAconditionsasabove,thisinsurancecovers11additionalrisks.Inotherwords,allrisksarethemostcomprehensivecoverageamongthethree.Exclusions三种根本险的除外责任

InsuranceDuration保险期限〔保险责任的起讫〕整理课件

4.2OceanMarineCargoClausesofCIC

我国海运货物保险条款AdditionalRisks

附加险别GeneralAdditionalRisks共11种SpecialAdditionalRisksWarRisk战争险StrikesRisk;S.R.C.C.StrikeRiotsandCivilCommotions罢工险整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

Overlandtransportationinsurance陆上运输货物保险AccordingtoCIC,itcoversrailandroadtransportationanditisapplicableforWarehouse-to-WarehouseClauses.中国人民保险公司?陆上运输货物保险条款?规定，责任范围仅限于火车和汽车运输，也采用“仓至仓〞条款。整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

Overlandtransportationinsurance陆上运输货物保险CoverageofOverlandTransportationInsurance(similartoWPA)陆运险〔与水渍险相似〕的承保责任范围Duration保险责任的起讫期限OverlandAdditionalRisks陆运附加险整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

AirTransportationCargoInsurance航空运输货物保险BasicAirTransportationCargoInsurance中国人民保险公司规定的根本险别CoverageofAirTransportationRisk(WPAinMarineCargoInsurance)航空运输险〔海运水渍险〕的承保责任范围CoverageofAirTransportationAllRisks(externalcauses)航空运输一切险〔一般附加险外来原因造成〕的承保责任范围整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

AirTransportationCargoInsurance

航空运输货物保险Duration航空运输货物保险责任起讫ItfollowsW/Wclauses,buttheinsuranceshallbelimitedto30daysaftercompletionofdischargeoftheinsuredcargofromtheaircraftatthefinalairportofdischarge.Andifthecargoshallbetransferredtothedestinationnotindicatedintheinsurancepolicy,theinsuranceliabilityendswhentransferringbegins.整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

AirTransportationCargoInsurance

航空运输货物保险CoverageofAirTransportationCargoWarRisk航空运输货物战争险的承保责任范围ItisonetypeofAdditionalRiskstoAirTransportationRiskbasedonAirTransportationRiskandAirTransportationAllRisks.整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

AirTransportationCargoInsurance

航空运输货物保险DurationofAirTransportationCargoWarRisk空运战争险的起讫责任

Itisfromchargingthecargoontheplanetodischargingfromtheplaneatthedestinationindicatedinthepolicy.从被保险货物装上飞机开始，直到卸离保险单所载明的目的地的飞机时为止。整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

ParcelPostInsurance邮包包裹保险ItincludesParcelPostRiskandParcelPostAllRisksandcouldbeaddedwithoneormoretypesofadditionalriskscausedbycalamitiesandfortuitousaccidents.包括邮包险和邮包一切险，可加保一种或假设干种附加险〔自然灾害、意外事故、外来原因〕整理课件

4.3OtherTypesofCargoInsurance

其他运输方式下的货运保险

ParcelPostInsurance

邮包包裹保险CoverageofParcelPostRisk

邮包险的承保责任范围CoverageofParcelPostAllRisks

邮包一切险的承保责任范围DurationofParcelPostRisk

邮政包裹运输险的责任起讫整理课件

4.4InstituteCargoClauses

伦敦保险协会海运货物保险条款

DifferentKindsofICCclauses伦敦保险协会修订的海运货物保险条款种类InstituteCargoClausesA,ICCA协会货物条款〔A〕InstituteCargoClausesB,ICCB协会货物条款〔B〕InstituteCargoClausesC,ICCC协会货物条款〔C〕InstituteWarClauses(Cargo)协会战争险条款InstituteStrikesClauses(Cargo)协会罢工险条款MaliciousDamageClauses恶意损害险条款

整理课件

4.4InstituteCargoClauses

伦敦保险协会海运货物保险条款

CharacteristicsofICCClauses

伦敦保险协会海运货物保险条款的特点Itcancelsregulationsdividedbytotallossorpartialloss;Franchiseratioisnotcalculatedwhencompensationsaremade;InsurancepolicyunderICCclausesisblankwithclearanddefinitenotesandwithoutinsuranceconditionsandremarks;Insurableinterestclauses,successivefreightclauses,valueaddedclauses,defaultclauses,lawsandpracticearenewlyaddedtoICCclauses.整理课件

4.4InstituteCargoClauses

伦敦保险协会海运货物保险条款

CoverageofMarineCargoInsuranceofICC

伦敦协会货物保险条款规定保险责任的方法ICCAICCBICCC整理课件

4.4InstituteCargoClauses

伦敦保险协会海运货物保险条款

CoverageofMarineCargoInsuranceofICC伦敦协会货物保险条款规定保险责任的方法ICCAInsuranceCoverageICC〔A〕承保的责任范围ExclusionsICC〔A〕的除外责任GeneralExclusionsExclusionsofUnseaworthinessandUnfitnessExclusionsofWarExclusionsofStrikes整理课件

4.4InstituteCargoClauses

伦敦保险协会海运货物保险条款

CoverageofMarineCargoInsuranceofICC伦敦协会货物保险条款规定保险责任的方法ICCBInsuranceCoverageICC〔B〕规定保险责任的方法SpecificCoverageICC〔B〕险具体承保的风险ExclusionsICC〔B〕的除外责任InadditiontotheexclusionsofICCA,itshallnotcoverdeliberatedamagetoordeliberatedestructionofthesubject-matterinsuredoranypartthereofbythewrongfulactofanypersonorpersonsonlyexcludesloss,damageorexpensesattributabletowillfulmisconductoftheassured.整理课件

4.4InstituteCargoClauses

伦敦保险协会海运货物保险条款

CoverageofMarineCargoInsuranceofICC伦敦协会货物保险条款规定保险责任的方法ICCCInsuranceCoverageICC〔C〕规定保险责任的方法Itonlycoverslossescausedbyimportanteventsandisnotliableforunimportantaccidentsandnaturalcalamities.ExclusionsICC〔C〕的除外责任TheexclusionsofICCCarethesameasthatofICCB.整理课件

4.5InsuranceTermsinSalesContract

合同中的保险条款InsuranceTermsinSalesContract

进出口合同中的保险条款Insurancetermsmaydifferunderdifferenttradeterms.买卖合同中的保险条款，因采用不同的贸易术语而有所区别。整理课件

4.5InsuranceTermsinSalesContract

合同中的保险条款InsurancePracticeofChinaExportCompanies

我国外贸企业办理货物运输保险的做法ExportInsurance出口货物运输保险――逐笔投保

waysofcalculatingtheinsurancepremiumAmountInsured保险金额――投保金额AmountInsured=CIF×(1+10%)Premium保险费PremiumRate保费率

InsurancePremium=InsuranceAmount×PremiumRate=[CIF×(1+10%)]×PremiumRate整理课件

4.5InsuranceTermsinSalesContract

合同中的保险条款InsurancePracticeofChinaExportCompanies

我国外贸企业办理货物运输保险的做法ImportInsurance进口货物运输保险Opencover进口预约保险合同Openpolicy进口预约保险保单整理课件

4.5InsuranceTermsinSalesContract

合同中的保险条款InsuranceDocuments

保险单据Definition保险单据的定义保险单据是保险公司在接受投保后签发的承保凭证，是保险人和被保险人之间订立的保险合同，在被保险货物受到保险合同责任范围的损失时，它是被保险人索赔和保险人理赔的主要依据。在CIF、CIP合同中，保险单据是卖方必须向买方提供的主要单据之一。保险单是可以背书转让的。整理课件

4.5InsuranceTermsinSalesContract

合同中的保险条款InsuranceDocuments

保险单据TypesofInsuranceDocuments

保险单据的种类InsurancePolicy保险单InsuranceCertificate保险凭证Endorsement批单InsuranceDeclaration保险通知书整理课件CasestudyCase1:OurexporterexportedaloadofcargotoaMiddle-EastcountryunderCIFtermsandcoveredWPAinadditiontoTPND,butthevesselwasdetainedasaresultoftheIran-Iraqwar.Theimporterlodgedaclaimtotheinsurancecompany.Cantheimporterbecompensated?整理课件CasestudyCase1: 我国某外贸公司按CIF条件向中东某国出口一批货物，根据合同投保了水渍险附加偷窃提货不着险〔TPND〕，但在海运途中，因两伊战争船被扣押进口商应提货不着向保险公司索赔，问是否能得到赔偿？整理课件CasestudyCase1: 解析：偷窃提货不着险是指被保货物整件被偷或从整件中窃取一局部，以致货到目的地后收货人提取不着整件的货物。从本例来看，显然不是属于这种情况，所以保险公司将不予赔偿。

整理课件CasestudyCase2:

Questions:Inthepreviouscase,whichtypeofinsuranceshouldbecoveredsothattheinsuranceshallmakeindemnity?上例应保什么险，保险公司方予赔偿？整理课件

Casestudy

Case2:AnalysisFailuretodeliverriskshallbecovered.Failuretodeliverriskreferstotherisk,onceloadedonboardtheseagoingvessel;failtobedeliveredatthedestinationwithinsixmonthsofscheduleddateforarrivalduetowhatevercauseitmightbe.However,theinsurantshallhandleequity-transferringproceduressoastogetcompensation.整理课件

Casestudy

Case2:Analysis应保交货不到险。因交货不到险是指从货物装上船开始，六个月内不能运到目的地，不管什么原因，保险公司要按全部损失赔偿。不过被保险人要向保险人办理权益转让手续，否那么保险人不予赔偿。整理课件

Casestudy

Case3:Ourexporterexported1,000balesofgrayclothtoAustralia,coveringWPA100baleswerewettedasaresultofleakageofthepipeduringtransit.Shouldtheinsurancecompanymakeindemnities?我国某外贸公司向澳大利亚出口坯布1000包，投保水渍险，货在海运途中因船舱使用水管漏水，致使该批货中100包浸水渍，问保险公司是否赔偿？整理课件

Casestudy

Case3:Analysis:Theinsurancecompanyisnotliableunlessfreshwaterraindamagewascovered.

不赔，应加保淡水雨淋险。整理课件

Casestudy

Case4:Avesselcollapsedwithflowingicebergsontheseaandacrackwasfoundedononesideofthevessel.Seawaterfloodedinandpartofthecargowaswet.Thecaptainhadtocallatthenearestporttodrainoffwaterandafterwardsthrewoffsomebulkygoodsintotheseatomakethevesselfloating.Whichpartbelongstogeneralaverageandwhichbelongstoparticularaverage?整理课件

Casestudy

Case4:有一货轮在海中与流冰相撞，船身一侧裂口，海水涌进，舱内局部货物遭浸泡，船长不得不将船就近驶上浅滩，进行排水，修补裂口，而后为了起浮又将局部笨重货物抛入海中，问哪些是单独海损？哪些是共同海损？整理课件

Casestudy

Case4:Analysis:ParticularAverage:crackofthevesselandpartofthecargoundergonesoaking;GeneralAverage:thevesselshippedtothenearestportandthelossesthereafter.单独海损：船体撞裂和局部货物遭受浸泡。共同海损：船只驶上浅滩并由此产生的一系列损失。整理课件

Casestudy

Case5:Avesselwithcompartment1andcompartment2caughtafireduringthetripandcompartment1wasonfire.However,thecaptainmistakenlythoughtbothcompartmentswereonfireandorderedthecrewtoputoutthefirewithwatercannons.Lossesare:themainenginewasdamaged;(2)twolotsofgoodsincompartment1,onelotwasburneddownpartiallyandtheotherwaswaterlogging.Whichbelongstoparticularaverageandwhichbelongstogeneralaverage?整理课件

Casestudy

Case5:某货轮在航行途中机舱发生火灾，船上甲乙两舱，火灾蔓延到甲舱。船长误以为甲乙两舱都着火，命令对两舱同时高压水龙灭火施救，损失情况：(1)主机烧坏，(2)甲舱两批货，A批货物局部被火烧毁。B批灭火时遭水浸。问：哪些是单独海损？哪些是共同海损？整理课件

Casestudy

Case5:Analysis:ParticularAverage:themainenginewasdamagedandonelotwasburneddownpartially;GeneralAverage:theotherlotwaswaterlogging.主机烧坏甲舱A批货单独海损。B批货遭水浸为共同海损。整理课件

Casestudy

Case6:Avesselwascaughtinastormduringthetripandwatercameintothecompartments,resultinginUSD6000oflosses.ThislotofgoodsvaluedatUSD18000wascoveredwithFPA.Threedayslater,thevesselcaughtafire.6000dollaroflossesshallbeindemnifiedbytheinsurancecompany?整理课件

Casestudy

Case6:一货轮在航行途中，遇风暴，船上货舱进水，一批货投保投保平安险，共18000美元，棉坯布局部遇水浸。损失6000美元左右，三天后船又遭受火灾。问该批货6000美元损失保险公司是否赔偿？整理课件

Casestudy

Case6:Analysis:FPAdoesnotcovermarineriskscausedbynaturalcalamitiesbutinthiscase,naturalcalamitiescameafteraccidents.AccordingtoCICC,theinsurancecompanyshallmakecompensations.平安险对自然灾害引起的单纯海损不赔，但本案中在发生自然灾害之前之后又发生以外事故，根据CIC平安险责任范围第三款，保险公司应该赔偿。整理课件

Casestudy

Case7:Animporterimportedabatchofchina,incaseofcollisionandbreakage,coveringallrisksadditionalwithriskofclashandbreakage.Isthisright?某公司进口瓷器一批，为防碰撞、破碎，投保了一切险另加碰撞险，是否正确。整理课件

Casestudy

Case7:Analysis:

Itiswrong.Allrisksincluderiskofclashandbreakage.Soriskofclashandbreakageisredundant.错误。投保一切险已包含碰撞险，不应再保碰撞险。整理课件

Casestudy

Case8:Ourexporter