10第十章-國際貨物運輸保險解讀課件

Chapter10CargoTransportationInsurance

國際貨物運輸保險

Chapter10CargoTransportatiLesson1CoverageofMarineCargoInsurance

海上貨物運輸保險承保范圍

PerilsandRisks

風險RisksPerilsoftheSea1.NaturalCalamities:badweather,thunderandlightening,earthquake,flood,tsunami,etc.2.FortuitousAccidents:grounding,stranding,sunk,collision,fire,explosion,missing,etc.ExtraneousRisks1.GeneralExtraneousRisks:theft,breakage,leakage,contamination,etc.2.SpecialExtraneousRisks:militaryaffairs,war,strike,failuretodelivery,rejection,etc.Lesson1CoverageofMarine1.1GeneralExtraneousRisks一般外來風險

1.Theft/Pilferage偷竊2.Contamination沾污3.Leakage滲漏4.Breakage破碎5.Sweatingand/orHeating受熱受潮6.TaintofOdor串味7.Rusting生銹8.HookDamage鉤損9.Freshand/orRainWaterDamage淡水雨淋險10.ShortageinWeight短量11.Clashing碰損1.1GeneralExtraneousRisks一般1.2Specialextraneousrisks特殊外來風險

1.WarRisk戰(zhàn)爭險2.StrikesRisk罷工險3.RejectionRisk拒收險4.FailuretoDeliveryRisk交貨不到險5.AflatoxinRisk黃曲霉菌險6.OnDeckRisk艙面險1.2Specialextraneousrisks特殊2.Loss

損失

MarineLossesA.TotalLossa.ActualTotalLossb.ConstructiveTotalLossB.PartialLossa.GeneralAverageb.ParticularAverage2.Loss損失

2.1TotalLoss

全部損失

2.1.1ActualTotalLoss實際全損Itmeansthatthecargohasbeentotallylostorhasbeendamagedtotheextentthatithaslostitsoriginalusage.Itincludes:貨物完全滅失或變質而失去原有用途，即貨物的全部損失已經(jīng)發(fā)生或不可避免。具體包括：2.1TotalLoss全部損失

2.1.1Act2.1.2ConstructiveTotalLoss推定全損Itmeansthecargoisnottotallylost,buttheactualtotallossshallbeunavoidableortherestorationfeestogetherwithothermiscellaneousexpenseswillexceedtheanticipatedamountofprofitwhenthecargoisdeliveredtothedestination.Inotherwords,whenashiporacargoissobadlydamaged,thecostofrepairortheeffortofrescuewouldbegreaterthanthemarketvalueoftheshiporcargo.Theyaretreatedastotallylost.2.1.2ConstructiveTotalLoss推2.2PartialLoss部分損失

2.2.1GeneralAverage共同海損Itisdefinedasapartialanddeliberatesacrificeoftheship,freight,cargo,ortheadditionalexpenseincurredtorescueashipanditscargofromimpendingdangerorforthecommonsafetyoftheadventureunderaperiloftheseaorsomeotherhazards.2.2PartialLoss部分損失

2.2.1GeTherearefourconditionsformingGA:

1)thedangerthatthreatsthecommonsafetyofcargoand/orvesselshallbemateriallyexistentandisnotforeseen,2)Themeasurestakenbythemastershallbeconsciousandreasonable,whichmeans,GAisman-madebutnotanaccidentalloss.3)Thesacrificeshallbespecializedandnotcausedbyperilsdirectlyandtheexpenseincurredshallbeadditionalexpensewhichisnotwithintheoperationbudget.4)Theactionsoftheship’smastershallbesuccessfullyinsavingthevoyage.Therearefourconditionsform2.2.2ParticularAverage單獨海損

Itisapartiallossofthesubjectmatterinsured,causedbyaneventthathabeeninsuredagainst.Itfallsentirelyupontheparticularownerofthepropertywhichhassufferedthedamage.Forinstance,collisionorbreakageisirrelevanttocargoownersandshipownersanditcausedonlypartialloss,whichiscalledparticularaverage.2.2.2ParticularAverage單獨海損

ThedifferencesbetweenGAandPAare:

1)GAiscauseddirectlybyrisks;PAisman-madelossinordertoremoveoralleviaterisks.2)ThedamagedpartyisresponsibleforlossesincurredinaPA;thelossofsacrificeaswellastheexpensesincurredinaGAshallbesharedamongallparties.ThedifferencesbetweenGAandLesson2OceanMarineCargoClausesofCIC

我國海運貨物保險條款

1.BasicOceanMarineCargoInsurance

基本險別1.1FreefromParticularAverage(FPA）平安險1.2WithparticularAverage:WPAorWA水漬險1.3Allrisks:AR一切險Lesson2OceanMarineCargo1.1FreefromParticularAverage(FPA）平安險

1.Actualtotallossorconstructivetotallossoftheconsignmentcausedbynaturalcalamitiessuchasheavyweather,tsunami,earthquake,flood,etc.;Totallossorpartiallosscausedbyfortuitousaccidentssuchasstranding,strikingupontherocks,icebergsorotherobjects,collision,fireandexplosion;1.1FreefromParticularAveraPartiallossoftheinsuredcargoattributabletoheavyweather,lightning,and/ortsunami,wheretheconveyancehasbeengrounded,stranded,sunkorburntirrespectiveofwhethertheeventoreventstookplacebeforeoraftersuchaccidents;Partialortotallossresultingfromthefailingofentirepackageorpackagesintoseaduringloading,transshipmentordischarge;PartiallossoftheinsuredcaReasonablecostincurredbytheinsurantonsalvagingthecargooravertingorminimizingalossrecoverableunderthepolicy,providedthatsuchcostshallnotexceedthesuminsuredoftheconsignment;Lossesattributabletodischargeoftheinsuredcargoataportofdistressfollowingaseaperilaswellasspecialchargesarisingfromloading,warehousingandforwardingofthecargoatanintermediateportofcallorrefuge;ReasonablecostincurredbythSacrificeinandcontributiontogeneralaverageandsalvagecharges;Suchproportionoflossessustainedbytheshipownersasistobereimbursedbythecargoownerunderthecontractofaffreightmentbothtoblamecollisionclause.Sacrificeinandcontribution1.2WithparticularAverage:WPAorWA水漬險

AsidefromtheriskscoveredunderFPAconditionsasabove,thisinsurancealsocoverspartiallossesoftheinsuredgoodscausedbynaturalcalamitiessuchasheavyweather,lightning,tsunami,earthquakeorflood(excludingFPA).1.2WithparticularAverage:1.3Allrisks:AR一切險

AsidefromtheriskscoveredundertheFPAandWAconditionsasabove,thisinsurancecovers11additionalrisks.Inotherwords,allrisksarethemostcomprehensivecoverageamongthethree.1.3Allrisks:AR一切險

Asidefro1.4Exclusions三種基本險的除外責任

1.Lossordamagecausedbytheintentionalactoffaultoftheinsured;2.Lossordamagefallingundertheliabilityoftheconsignor;3.Lossordamagearisingfromtheinferiorqualityorshortageoftheinsuredgoodspriortotheattachmentofthisinsurance;1.4Exclusions三種基本險的除外責任

1.Lo4.Lossordamagearisingfromnormalloss,inherentviceornatureoftheinsuredgoods,lossofmarketand/ordelayintransitandanyexpensesarisingtherefore;5.Risksandliabilitiesexcludedbytheoceanmarinecargowarrisksclausesandstrike,riotandcivilcommotionclausesofCIC.4.Lossordamagearisingfrom1.5InsuranceDuration保險期限（保險責任的起訖）

WetakethepracticestipulatedbytheInternationalInsuranceMarketcalledWarehousetoWarehouseClausetodecidetheinsuranceduration.1.5InsuranceDuration保險期限（保險責2.AdditionalRisks

附加險別

AdditionalRisksincludeGeneralAdditionalRisksandSpecialAdditionalRisks.GeneralAdditionalRisksshallgowithFPAandWPAaccordingtothecharacteristicsofthecargo.IfGeneralAdditionalRisksisinsured,itisAllRisksinsured.Therefore,GeneralAdditionalRisksareinthecoverageofAllRisks.ThereisnoneedtoapplyforGeneralAdditionalRisksifAllRisksareobtained.2.AdditionalRisks附加險別

Addit2.1GeneralAdditionalRisks一般附加險（11種）

1.Theft,PilferageandNon-delivery偷竊、提貨不著險2.FreshWaterRainDamage;F.W.R.淡水雨淋險3.RiskofShortage短量險4.RiskofIntermixture&Contamination混雜、沾污險5.RiskofLeakage滲漏險6.RiskofClash&Breakage碰撞、破碎險7.RiskofOdor 串味險8.DamageCausedbyHeating&Sweating受熱、受潮險9.HookDamage鉤損險10.LossorDamageCausedbyBreakageofPacking包裝破裂險11.RisksofRust銹損險2.1GeneralAdditionalRisks一般2.2SpecialAdditionalRisks特殊附加險

2.2.1WarRisk戰(zhàn)爭險WarRiskisoneofthemaintypesofSpecialAdditionalRisks.Thoughitcannotbesolelyinsured,itismoreindependentthanotheradditionalrisks.ItincludesInsuranceCoverage,Exclusions,andCommencementandTermination.2.2SpecialAdditionalRisks特殊2.2.2StrikesRisk;S.R.C.C.StrikeRiotsandCivilCommotions罷工險

Itcoverslossofordamagetothecargoinsureddirectlycausedbyactsofstrikersandlocked-outworkmen.Butitdoesnotcoverlossofordamagetothecargocausedbylackoflaborforceorfailuretoapplytheworkforce.Forinstance,cargosufferslosseswithoutfueladdedorduetothemalfunctionoftheair-conditioner.2.2.2StrikesRisk;S.R.C.C.Lesson4InstituteCargoClauses

倫敦保險協(xié)會海運貨物保險條款

1.DifferentKindsofICCclauses

倫敦保險協(xié)會修訂的海運貨物保險條款種類1)InstituteCargoClausesA,ICCA協(xié)會貨物條款（A）2)InstituteCargoClausesB,ICCB協(xié)會貨物條款（B）3)InstituteCargoClausesC,ICCC協(xié)會貨物條款（C）4)InstituteWarClauses(Cargo)協(xié)會戰(zhàn)爭險條款5)InstituteStrikesClauses(Cargo)協(xié)會罷工險條款6)MaliciousDamageClauses惡意損害險條款Lesson4InstituteCargoClaThefirst5kindscanbeindependentlycoveredwithoutbeingattachedtoanyotherparticularcoverage.Meanwhile,ICCAclausesincludemaliciousdamageclauses,butmaliciousdamageclausesshouldbeattachedtoICCBorICCC.前5種險別可以單獨投保。另外，ICC（A）險中包括惡意損害險，但在投保ICC（B）險或ICC（C）險時，應另行投保惡意損害險。Thefirst5kindscanbeindepLesson5InsuranceTermsinSalesContract

合同中的保險條款

1.InsuranceTermsinSalesContract

合同中的保險條款UnderFOB,CFR,FCAorCPTterms,insurancetermsmaysimplybestipulatedas:“Insurancetobecoveredbythebuyer”.UnderCIForCIPterms,thesalescontractshallindicatespecificinsuranceamountandriskscovered.”Forexample:“insuranceistobecoveredbythesellerfor110%oftheinvoicevalueagainstAllRisksandWarRiskasperOceanMarineCargoClausesofthePeople’sInsuranceCompanyofChinadatedonJan.1,1981”.Lesson5InsuranceTermsinS2.InsurancePracticeofChinaExportCompanies

我國外貿(mào)企業(yè)辦理貨物運輸保險的做法

2.1ExportInsurance出口貨物運輸保險——逐筆投保AccordingtotheexportcontractortheLetterofCredit,afterpreparingthegoodsandconfirmingshippingtoolsandshippingdates,thesellershallapplyforinsuranceandfillinaninsurancepolicywhichindicatesnameoftheinsurant,nameandquantityofthecargoinsured,packingmethods,shippingmarks,portofshipmentanddestination,nameofvesselandvoyagenumber,insuranceamount,riskscovered,insurancedateandplaceforsettlement.2.InsurancePracticeofChinaSeveralwaysofcalculatingtheinsurancepremiumarelistedasfollows:

2.1.1AmountInsured保險金額――投保金額Itisthemaximalindemnitypaidbytheinsurer,whichisthebasisofcheckingtheinsurancepremium.是保險公司可以賠償?shù)淖罡呓痤~，也是核算保險費的基礎。Customarily,AmountInsured=CIF×(1+10%)習慣上按發(fā)票金額加一成（即10%）投保加成：預期利潤、業(yè)務費用。保險金額＝CIF（總值）×（1＋10%）Severalwaysofcalculatingth2.1.2Premium保險費Itistheconsiderationpaidbytheinsurertotheinsurant,layingthepre-conditionsfortheinsurertoundertaketheinsuranceliability.保險費是投保人給保險人的對價，是保險人承擔保險責任的前提條件。2.1.2Premium保險費2.1.3PremiumRateInsurancePremiumisdeterminedbytheamountinsuredandthepremiumrate.ThePremiumRateisdeterminedbyriskscoveredandlossrate.保費率――是計收保險費的依據(jù)。保險人交納保險費的多少主要取決于保險金額和保費率，保費率是根據(jù)保險險別、風險大小、損失率高低制定的。InsurancePremium=InsuranceAmount×PremiumRate=[CIF×(1+10%)]×PremiumRate保險費的計算公式：保險費＝保險金額X保費率＝[CIF×（1＋10%（投保加成率）]×保費率2.1.3PremiumRate3.InsuranceDocuments

保險單據(jù)

3.1Definition保險單據(jù)的定義Aninsurancedocumentistheevidenceoftheinsurancecontractenteredintobytheinsurerandtheapplicantortheinsurant.Itservesasadocumentdefiningtheobligationsoftheinsurerandtheinsurant.Itisalsothedocumentaccordingtowhichtheinsurantlodgesaclaimandtheinsurersettlesaclaimwhenthelossordamagewhichisanswerableunderthetermsofthecoverageoccurs.UnderCIFandCIPcontracts,thesellermustprovidethebuyerwithinsurancedocuments.Andinsurancedocumentsarenegotiablebyendorsement.3.InsuranceDocuments保險單據(jù)

33.2TypesofInsuranceDocuments保險單據(jù)的種類

3.2.1InsurancePolicy保險單3.2.2InsuranceCertificate保險憑證3.2TypesofInsuranceDocumenCasestudy本章案例

Case1OurexporterexportedaloadofcargotoaMiddle-EastcountryunderCIFtermsandcoveredWPAinadditiontoTPND,butthevesselwasdetainedasaresultoftheIran-Iraqwar.Theimporterlodgedaclaimtotheinsurancecompany.Cantheimporterbecompensated?Casestudy本章案例

Case1OurexCase2:Inthepreviouscase,whichtypeofinsuranceshouldbecoveredsothattheinsuranceshallmakeindemnity?Case2:Inthepreviouscase,Chapter10CargoTransportationInsurance

國際貨物運輸保險

Chapter10CargoTransportatiLesson1CoverageofMarineCargoInsurance

海上貨物運輸保險承保范圍

PerilsandRisks

風險RisksPerilsoftheSea1.NaturalCalamities:badweather,thunderandlightening,earthquake,flood,tsunami,etc.2.FortuitousAccidents:grounding,stranding,sunk,collision,fire,explosion,missing,etc.ExtraneousRisks1.GeneralExtraneousRisks:theft,breakage,leakage,contamination,etc.2.SpecialExtraneousRisks:militaryaffairs,war,strike,failuretodelivery,rejection,etc.Lesson1CoverageofMarine1.1GeneralExtraneousRisks一般外來風險

1.Theft/Pilferage偷竊2.Contamination沾污3.Leakage滲漏4.Breakage破碎5.Sweatingand/orHeating受熱受潮6.TaintofOdor串味7.Rusting生銹8.HookDamage鉤損9.Freshand/orRainWaterDamage淡水雨淋險10.ShortageinWeight短量11.Clashing碰損1.1GeneralExtraneousRisks一般1.2Specialextraneousrisks特殊外來風險

1.WarRisk戰(zhàn)爭險2.StrikesRisk罷工險3.RejectionRisk拒收險4.FailuretoDeliveryRisk交貨不到險5.AflatoxinRisk黃曲霉菌險6.OnDeckRisk艙面險1.2Specialextraneousrisks特殊2.Loss

損失

MarineLossesA.TotalLossa.ActualTotalLossb.ConstructiveTotalLossB.PartialLossa.GeneralAverageb.ParticularAverage2.Loss損失

2.1TotalLoss

全部損失

2.1.1ActualTotalLoss實際全損Itmeansthatthecargohasbeentotallylostorhasbeendamagedtotheextentthatithaslostitsoriginalusage.Itincludes:貨物完全滅失或變質而失去原有用途，即貨物的全部損失已經(jīng)發(fā)生或不可避免。具體包括：2.1TotalLoss全部損失

2.1.1Act2.1.2ConstructiveTotalLoss推定全損Itmeansthecargoisnottotallylost,buttheactualtotallossshallbeunavoidableortherestorationfeestogetherwithothermiscellaneousexpenseswillexceedtheanticipatedamountofprofitwhenthecargoisdeliveredtothedestination.Inotherwords,whenashiporacargoissobadlydamaged,thecostofrepairortheeffortofrescuewouldbegreaterthanthemarketvalueoftheshiporcargo.Theyaretreatedastotallylost.2.1.2ConstructiveTotalLoss推2.2PartialLoss部分損失

2.2.1GeneralAverage共同海損Itisdefinedasapartialanddeliberatesacrificeoftheship,freight,cargo,ortheadditionalexpenseincurredtorescueashipanditscargofromimpendingdangerorforthecommonsafetyoftheadventureunderaperiloftheseaorsomeotherhazards.2.2PartialLoss部分損失

2.2.1GeTherearefourconditionsformingGA:

1)thedangerthatthreatsthecommonsafetyofcargoand/orvesselshallbemateriallyexistentandisnotforeseen,2)Themeasurestakenbythemastershallbeconsciousandreasonable,whichmeans,GAisman-madebutnotanaccidentalloss.3)Thesacrificeshallbespecializedandnotcausedbyperilsdirectlyandtheexpenseincurredshallbeadditionalexpensewhichisnotwithintheoperationbudget.4)Theactionsoftheship’smastershallbesuccessfullyinsavingthevoyage.Therearefourconditionsform2.2.2ParticularAverage單獨海損

Itisapartiallossofthesubjectmatterinsured,causedbyaneventthathabeeninsuredagainst.Itfallsentirelyupontheparticularownerofthepropertywhichhassufferedthedamage.Forinstance,collisionorbreakageisirrelevanttocargoownersandshipownersanditcausedonlypartialloss,whichiscalledparticularaverage.2.2.2ParticularAverage單獨海損

ThedifferencesbetweenGAandPAare:

1)GAiscauseddirectlybyrisks;PAisman-madelossinordertoremoveoralleviaterisks.2)ThedamagedpartyisresponsibleforlossesincurredinaPA;thelossofsacrificeaswellastheexpensesincurredinaGAshallbesharedamongallparties.ThedifferencesbetweenGAandLesson2OceanMarineCargoClausesofCIC

我國海運貨物保險條款

1.BasicOceanMarineCargoInsurance

基本險別1.1FreefromParticularAverage(FPA）平安險1.2WithparticularAverage:WPAorWA水漬險1.3Allrisks:AR一切險Lesson2OceanMarineCargo1.1FreefromParticularAverage(FPA）平安險

1.Actualtotallossorconstructivetotallossoftheconsignmentcausedbynaturalcalamitiessuchasheavyweather,tsunami,earthquake,flood,etc.;Totallossorpartiallosscausedbyfortuitousaccidentssuchasstranding,strikingupontherocks,icebergsorotherobjects,collision,fireandexplosion;1.1FreefromParticularAveraPartiallossoftheinsuredcargoattributabletoheavyweather,lightning,and/ortsunami,wheretheconveyancehasbeengrounded,stranded,sunkorburntirrespectiveofwhethertheeventoreventstookplacebeforeoraftersuchaccidents;Partialortotallossresultingfromthefailingofentirepackageorpackagesintoseaduringloading,transshipmentordischarge;PartiallossoftheinsuredcaReasonablecostincurredbytheinsurantonsalvagingthecargooravertingorminimizingalossrecoverableunderthepolicy,providedthatsuchcostshallnotexceedthesuminsuredoftheconsignment;Lossesattributabletodischargeoftheinsuredcargoataportofdistressfollowingaseaperilaswellasspecialchargesarisingfromloading,warehousingandforwardingofthecargoatanintermediateportofcallorrefuge;ReasonablecostincurredbythSacrificeinandcontributiontogeneralaverageandsalvagecharges;Suchproportionoflossessustainedbytheshipownersasistobereimbursedbythecargoownerunderthecontractofaffreightmentbothtoblamecollisionclause.Sacrificeinandcontribution1.2WithparticularAverage:WPAorWA水漬險

AsidefromtheriskscoveredunderFPAconditionsasabove,thisinsurancealsocoverspartiallossesoftheinsuredgoodscausedbynaturalcalamitiessuchasheavyweather,lightning,tsunami,earthquakeorflood(excludingFPA).1.2WithparticularAverage:1.3Allrisks:AR一切險

AsidefromtheriskscoveredundertheFPAandWAconditionsasabove,thisinsurancecovers11additionalrisks.Inotherwords,allrisksarethemostcomprehensivecoverageamongthethree.1.3Allrisks:AR一切險

Asidefro1.4Exclusions三種基本險的除外責任

1.Lossordamagecausedbytheintentionalactoffaultoftheinsured;2.Lossordamagefallingundertheliabilityoftheconsignor;3.Lossordamagearisingfromtheinferiorqualityorshortageoftheinsuredgoodspriortotheattachmentofthisinsurance;1.4Exclusions三種基本險的除外責任

1.Lo4.Lossordamagearisingfromnormalloss,inherentviceornatureoftheinsuredgoods,lossofmarketand/ordelayintransitandanyexpensesarisingtherefore;5.Risksandliabilitiesexcludedbytheoceanmarinecargowarrisksclausesandstrike,riotandcivilcommotionclausesofCIC.4.Lossordamagearisingfrom1.5InsuranceDuration保險期限（保險責任的起訖）

WetakethepracticestipulatedbytheInternationalInsuranceMarketcalledWarehousetoWarehouseClausetodecidetheinsuranceduration.1.5InsuranceDuration保險期限（保險責2.AdditionalRisks

附加險別

AdditionalRisksincludeGeneralAdditionalRisksandSpecialAdditionalRisks.GeneralAdditionalRisksshallgowithFPAandWPAaccordingtothecharacteristicsofthecargo.IfGeneralAdditionalRisksisinsured,itisAllRisksinsured.Therefore,GeneralAdditionalRisksareinthecoverageofAllRisks.ThereisnoneedtoapplyforGeneralAdditionalRisksifAllRisksareobtained.2.AdditionalRisks附加險別

Addit2.1GeneralAdditionalRisks一般附加險（11種）

1.Theft,PilferageandNon-delivery偷竊、提貨不著險2.FreshWaterRainDamage;F.W.R.淡水雨淋險3.RiskofShortage短量險4.RiskofIntermixture&Contamination混雜、沾污險5.RiskofLeakage滲漏險6.RiskofClash&Breakage碰撞、破碎險7.RiskofOdor 串味險8.DamageCausedbyHeating&Sweating受熱、受潮險9.HookDamage鉤損險10.LossorDamageCausedbyBreakageofPacking包裝破裂險11.RisksofRust銹損險2.1GeneralAdditionalRisks一般2.2SpecialAdditionalRisks特殊附加險

2.2.1WarRisk戰(zhàn)爭險WarRiskisoneofthemaintypesofSpecialAdditionalRisks.Thoughitcannotbesolelyinsured,itismoreindependentthanotheradditionalrisks.ItincludesInsuranceCoverage,Exclusions,andCommencementandTermination.2.2SpecialAdditionalRisks特殊2.2.2StrikesRisk;S.R.C.C.StrikeRiotsandCivilCommotions罷工險

Itcoverslossofordamagetothecargoinsureddirectlycausedbyactsofstrikersandlocked-outworkmen.Butitdoesnotcoverlossofordamagetothecargocausedbylackoflaborforceorfailuretoapplytheworkforce.Forinstance,cargosufferslosseswithoutfueladdedorduetothemalfunctionoftheair-conditioner.2.2.2StrikesRisk;S.R.C.C.Lesson4InstituteCargoClauses

倫敦保險協(xié)會海運貨物保險條款

1.DifferentKindsofICCclauses

倫敦保險協(xié)會修訂的海運貨物保險條款種類1)InstituteCargoClausesA,ICCA協(xié)會貨物條款（A）2)InstituteCargoClausesB,ICCB協(xié)會貨物條款（B）3)InstituteCargoClausesC,ICCC協(xié)會貨物條款（C）4)InstituteWarClauses(Cargo)協(xié)會戰(zhàn)爭險條款5)InstituteStrikesClauses(Cargo)協(xié)會罷工險條款6)MaliciousDamageClauses惡意損害險條款Lesson4InstituteCargoClaThefirst5kindscanbeindependentlycoveredwithoutbeingattachedtoanyotherparticularcoverage.Meanwhile,ICCAclausesincludemaliciousdamageclauses,butmaliciousdamageclausesshouldbeattachedtoICCBorICCC.前5種險別可以單獨投保。另外，ICC（A）險中包括惡意損害險，但在投保ICC（B）險或ICC（C）險時，應另行投保惡意損害險。Thefirst5kindscanbeindepLesson5InsuranceTermsinSalesContract

合同中的保險條款

1.InsuranceTermsinSalesContract

合同中的保險條款UnderFOB,CFR,FCAorCPTterms,insurancetermsmaysimplybestipulatedas:“Insurancetobecoveredbythebuyer”.UnderCIForCIPterms,thesalescontractshallindicatespecificinsuranceamountandriskscovered.”Forexample:“insuranceistobecoveredbythesellerfor110%oftheinvoicevalueagainstAllRisksandWarRiskasperOceanMarineCargoClausesofthePeople’sInsuranceCompanyofChinadatedonJan.1,1981”.Lesson5InsuranceTermsinS2.InsurancePracticeofChinaExportCompanies

我國外貿(mào)企業(yè)辦理貨物運輸保險的做法

2.1ExportInsurance出口貨物運輸保險——逐筆投保AccordingtotheexportcontractortheLetterofCredit,afterpreparingthegoodsandconfirmingshippingtoolsandshippingdates,thesellershallapplyfor