外貿(mào)函電 保險(xiǎn)Insurance課件

1、1Unit 9 Insurance9.1 Introduction of Insurance9.1.1 The Parties of Insurance9.1.2 Risks, Losses and Expenses9.1.3 Ocean Marine Insurance Under C.I.C.9.1.4 Insurance Documents9.2 Specimen Letters of Insurance保險(xiǎn)的種類(lèi) 2- 財(cái)產(chǎn)保險(xiǎn) - 責(zé)任保險(xiǎn) - 信用保險(xiǎn) - 人身保險(xiǎn)進(jìn)出口貨物運(yùn)輸?shù)谋ｋU(xiǎn)實(shí)務(wù)進(jìn)出口貨物運(yùn)輸?shù)谋ｋU(xiǎn)實(shí)務(wù) 選擇恰當(dāng)?shù)谋ｋU(xiǎn)險(xiǎn)別選擇恰當(dāng)?shù)谋ｋU(xiǎn)險(xiǎn)別一般應(yīng)考慮以下因素：一般應(yīng)考慮以

2、下因素：1 1、貨物的性質(zhì)和特點(diǎn)、貨物的性質(zhì)和特點(diǎn)2 2、貨物的包裝、貨物的包裝3 3、貨運(yùn)航線、?？扛劭诩把b卸貨的損耗情況、貨運(yùn)航線、?？扛劭诩把b卸貨的損耗情況4 4、運(yùn)輸季節(jié)、氣候及安全因素、運(yùn)輸季節(jié)、氣候及安全因素5 5、貨物的殘存規(guī)律、貨物的殘存規(guī)律49.1 Introduction of Insurance9.1.1 The Parties of Insurance被保險(xiǎn)人被保險(xiǎn)人the insured/投保人投保人applicant保險(xiǎn)人保險(xiǎn)人Insurer /承保人承保人 underwriterInsured amount保險(xiǎn)金額保險(xiǎn)金額（Insurance） premium：保

3、險(xiǎn)費(fèi)：保險(xiǎn)費(fèi)premium rate 保險(xiǎn)費(fèi)率保險(xiǎn)費(fèi)率 貨物運(yùn)輸保險(xiǎn)保障的范圍貨物運(yùn)輸保險(xiǎn)保障的范圍風(fēng)險(xiǎn)風(fēng)險(xiǎn)損失損失費(fèi)用費(fèi)用69.1.2 Risks, Losses and Expenses Coverage of InsuranceLossesRisksExpensesinsurance coverage; risks covered 保險(xiǎn)范圍保險(xiǎn)范圍海上風(fēng)險(xiǎn)Perils of the Sea外來(lái)風(fēng)險(xiǎn)Extraneous Risks自然災(zāi)害Natural Calamity意外事故Fortuitous accidents一般外來(lái)風(fēng)險(xiǎn)General Extraneous Risks特殊外來(lái)風(fēng)險(xiǎn)S

4、pecial Extraneous風(fēng)險(xiǎn)Risks8LossesActual Total LossConstructive Total LossParticular AverageGeneral AverageLosses Total LossPartial Loss二、損失二、損失 Losses損失Losses海上損失Perils of the Sea其他損失全部損失Total Loss實(shí)際全損Actual Total Loss推定全損Constructive Total Loss部分損失Partial Loss共同海損General Average 單獨(dú)海損Particular Averag

5、e一般外來(lái)?yè)p失特殊外來(lái)?yè)p失10u 1. Total Loss (1) Actual total loss (實(shí)際全損) The actual total loss occurs where the insured goods have been totally lost or damaged, or found to be totally valueless on arrival. (2) Constructive total loss (推定全損) Constructive total loss is found in the case where an actual total loss

6、appears to be unavoidable or the cost to be incurred in recovering or reconditioning the goods together with the forwarding cost to the destination named in the policy would exceed their value on arrival.（一）全部損失： Total Loss一張保險(xiǎn)單下包括多張?zhí)釂蔚呢浳?，其中一張或幾張?zhí)釂呜浳锏耐耆珳缡б粡埍嗡Ｘ浳锏耐耆珦p失一條駁船所載貨物的完全損失裝卸過(guò)程中一個(gè)整件貨物的完全損失1、實(shí)

7、際全損 Actual Total Loss被保險(xiǎn)貨物的實(shí)體已經(jīng)完全滅失被保險(xiǎn)貨物遭到嚴(yán)重?fù)p害，已喪失了原有的用途和價(jià)值被保險(xiǎn)人對(duì)保險(xiǎn)貨物的所有權(quán)已無(wú)可挽回地被完全剝奪載貨船舶失蹤，達(dá)到一定時(shí)期仍無(wú)音訊2、推定全損、推定全損 Constructive Total Loss1 1、保險(xiǎn)標(biāo)的損失嚴(yán)重，構(gòu)成實(shí)際損失已無(wú)法避、保險(xiǎn)標(biāo)的損失嚴(yán)重，構(gòu)成實(shí)際損失已無(wú)法避免。免。2 2、為了防止保險(xiǎn)標(biāo)的的實(shí)際全損而需要支付的、為了防止保險(xiǎn)標(biāo)的的實(shí)際全損而需要支付的費(fèi)用將超過(guò)保險(xiǎn)標(biāo)的的價(jià)值。費(fèi)用將超過(guò)保險(xiǎn)標(biāo)的的價(jià)值。3 3、被保險(xiǎn)貨物受損后，修復(fù)費(fèi)用、整理費(fèi)用以、被保險(xiǎn)貨物受損后，修復(fù)費(fèi)用、整理費(fèi)用以及續(xù)運(yùn)到目的

8、地的費(fèi)用，將超過(guò)其到達(dá)目的地及續(xù)運(yùn)到目的地的費(fèi)用，將超過(guò)其到達(dá)目的地的價(jià)值。的價(jià)值。4 4、保險(xiǎn)標(biāo)的遭受保險(xiǎn)事故，使被保險(xiǎn)人喪失了、保險(xiǎn)標(biāo)的遭受保險(xiǎn)事故，使被保險(xiǎn)人喪失了對(duì)其享有權(quán)，而收回該所有權(quán)所需費(fèi)用，將超對(duì)其享有權(quán)，而收回該所有權(quán)所需費(fèi)用，將超過(guò)保險(xiǎn)標(biāo)的價(jià)值。過(guò)保險(xiǎn)標(biāo)的價(jià)值。14u2. Partial Loss Partial loss refers to the loss of part of a consignment. According to different causes, partial loss can be further divided into: general a

9、verage （共同海損）and; particular average （單獨(dú)海損）.共同海損與單獨(dú)海損的區(qū)別共同海損與單獨(dú)海損的區(qū)別比較項(xiàng)目單獨(dú)海損損失的內(nèi)容致?lián)p原因損失的承擔(dān)者共同海損受損者自己承擔(dān)除保險(xiǎn)標(biāo)的外，還包括支出的特殊費(fèi)用受益各方根據(jù)獲救利益的大小按比例分?jǐn)偙ｋU(xiǎn)標(biāo)的物為解除或減輕風(fēng)險(xiǎn)，人為地有意識(shí)地造成由所承保的風(fēng)險(xiǎn)直接導(dǎo)致船、貨受損16ExpensesExpensesSue and Labor expenses Salvage charges三、費(fèi)用三、費(fèi)用Expenses1、施救費(fèi)用、施救費(fèi)用 Sue and Labor Expenses2、救助費(fèi)用、救助費(fèi)用 Salvag

10、e Expenses3、特別費(fèi)用、特別費(fèi)用 Special Expenses 運(yùn)輸工具遭受海難后在避難港卸貨所引起的損失，以及由運(yùn)輸工具遭受海難后在避難港卸貨所引起的損失，以及由于卸貨、存?zhèn)}、運(yùn)送貨物所產(chǎn)生的費(fèi)用。于卸貨、存?zhèn)}、運(yùn)送貨物所產(chǎn)生的費(fèi)用。4、額外費(fèi)用、額外費(fèi)用 為了證明損失、索賠成立而支付的費(fèi)用。為了證明損失、索賠成立而支付的費(fèi)用。18 1. Sue and labor expenses These expenses are the expenses arising from measures properly taken by the insured, the employee

11、and the assignee, etc. for minimizing or avoiding losses caused by the risks covered in the insurance policy. The insurer is held responsible to compensate for such expenses.2. Salvage charges Salvage charges are expenses resulting from measures properly taken by a third party other than the insured

12、, the employee and the assignee, etc.199.1.3 Ocean Marine Insurance Under C.I.C. China Insurance Clause (CIC): 中國(guó)保險(xiǎn)條款 There are three kinds of basic risks under Ocean Marine Cargo Clauses（海洋運(yùn)輸貨物保險(xiǎn)條款）: Basic RisksF.P.A. (Free from Particular Average) 平安險(xiǎn); W.P.A .(With Average or With Particular Avera

13、ge) 水漬險(xiǎn); All Risks 一切險(xiǎn).Additional risks: General Additional Risks 一般附加險(xiǎn) Special Additional Risks 特別附加險(xiǎn)基本險(xiǎn)別Basic Coverage附加險(xiǎn)別Additional Coverage一切險(xiǎn)（AR）平安險(xiǎn)（FPA） 水漬險(xiǎn)（WPA/WA）一般附加險(xiǎn)General Additional Coverage特殊附加險(xiǎn)Special Additional Coverage 平安險(xiǎn)平安險(xiǎn)(F.P.A.): Free from Particular Average是海上貨物運(yùn)輸保險(xiǎn)中責(zé)任最小的一種是海上貨

14、物運(yùn)輸保險(xiǎn)中責(zé)任最小的一種險(xiǎn)別，一般適用大宗、低值、粗糙，無(wú)險(xiǎn)別，一般適用大宗、低值、粗糙，無(wú)包裝的貨物，如廢鐵、木材、礦砂等的包裝的貨物，如廢鐵、木材、礦砂等的海上運(yùn)輸。海上運(yùn)輸。水漬險(xiǎn)水漬險(xiǎn)(WPA)With Particular Average保險(xiǎn)責(zé)任排除了貨物的銹損、碰損、破碎保險(xiǎn)責(zé)任排除了貨物的銹損、碰損、破碎及散裝貨物的部分損失。它一般適用于不及散裝貨物的部分損失。它一般適用于不易損壞或不因生銹而影響使用的貨物，如易損壞或不因生銹而影響使用的貨物，如五金材料，舊的汽車(chē)、機(jī)械、機(jī)床、散裝五金材料，舊的汽車(chē)、機(jī)械、機(jī)床、散裝金屬原料等。金屬原料等。水漬險(xiǎn)水漬險(xiǎn)=平安險(xiǎn)平安險(xiǎn)+自然災(zāi)害引

15、起的部分損失自然災(zāi)害引起的部分損失一切險(xiǎn)一切險(xiǎn)(AR): All Risks承保范圍最廣泛，因而適宜于價(jià)值高、可遭承保范圍最廣泛，因而適宜于價(jià)值高、可遭受損失因素較多的貨物投保。受損失因素較多的貨物投保。一切險(xiǎn)一切險(xiǎn) = 水漬險(xiǎn)水漬險(xiǎn) + 一般外來(lái)原因造成的損失一般外來(lái)原因造成的損失（一般附加險(xiǎn)）（一般附加險(xiǎn)）二、附加險(xiǎn)二、附加險(xiǎn) Additional Coverage不能單獨(dú)投保，只能在投保了基本險(xiǎn)的基礎(chǔ)上加保。不能單獨(dú)投保，只能在投保了基本險(xiǎn)的基礎(chǔ)上加保。（一）一般附加險(xiǎn)（一）一般附加險(xiǎn)General Additional Coverage（二）特殊附加險(xiǎn)（二）特殊附加險(xiǎn)Special A

16、dditional Coverage25一般附加險(xiǎn)（一般附加險(xiǎn)（General Additional Risks）1.Theft, Pilferage and Non-delivery (TPND) 偷竊、提貨不著險(xiǎn)偷竊、提貨不著險(xiǎn) 2. Freshwater and Rain Damage 淡水雨淋險(xiǎn)淡水雨淋險(xiǎn) 3. Risk of Shortage 短量險(xiǎn)短量險(xiǎn) 4. Risk of Intermixture and Contamination 混雜、玷污險(xiǎn)混雜、玷污險(xiǎn) 5. Risk of Leakage 滲漏險(xiǎn)滲漏險(xiǎn)6. Risk of Clashing and Breakage 碰損

17、破碎險(xiǎn)碰損破碎險(xiǎn) 7. Risk of Odor 串味險(xiǎn)串味險(xiǎn) 8. Damage Caused by Sweating and Heating 受潮、受熱險(xiǎn)受潮、受熱險(xiǎn) 9. Hook damage 鉤損險(xiǎn)鉤損險(xiǎn) 10. Loss and /or Damage Caused by Breakage of Packing 包裝破包裝破裂險(xiǎn)裂險(xiǎn) 11. Risk of Rusting 銹損險(xiǎn)銹損險(xiǎn)26特別附加險(xiǎn)（特別附加險(xiǎn)（Special Additional Risks）1.Failure to Deliver Risk 交貨不到險(xiǎn) 2. Import Duty Risk 進(jìn)口關(guān)稅險(xiǎn) 3. O

18、n Deck Risk 艙面險(xiǎn) 4. Rejection Risk 拒收險(xiǎn) 5. Aflatoxin Risk 黃曲霉素險(xiǎn)6. War Risk 戰(zhàn)爭(zhēng)險(xiǎn) 7. Strike Risk 罷工險(xiǎn) 8. Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong, Including Kowloon, or Macau 出口貨物到香港（包括九龍?jiān)趦?nèi)）或澳門(mén)存?zhèn)}火險(xiǎn)責(zé)火險(xiǎn)責(zé)任擴(kuò)展條款任擴(kuò)展條款 279.1.4 Insurance DocumentsInsurance policy保險(xiǎn)單/大保單Insurance ce

19、rtificate保險(xiǎn)憑證 Combined certificate聯(lián)合憑證 Open policy預(yù)約保單 Endorsement批單 28 Examples of insurance clauses in the sales contract 1. Except in cases where the insurance is covered by the Buyers as arranged, insurance is to be covered by the Sellers with a Chinese insurance company. If insurance for additi

20、onal amount and /or for other insurance terms is required by the Buyers, prior notice to this effect must reach the Sellers before shipment and is subject to the Sellers agreement, and the extra insurance premium shall be for the Buyers account. 292、Insurance: To be covered by the Seller against . (

21、risk) according to Ocean Marine Cargo Clauses of the Peoples Insurance Company of China dated January 1, 1981. 3、As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other risks is required, such as breakage, leakage, TPND, hook and conta

22、mination damages, the extra premium involved would be for the buyers account. Theft, Pilferage and Non-delivery (TPND) 偷竊、提貨不著險(xiǎn) 簽定國(guó)際貨物買(mǎi)賣(mài)合同中的保險(xiǎn)條款應(yīng)注意的簽定國(guó)際貨物買(mǎi)賣(mài)合同中的保險(xiǎn)條款應(yīng)注意的問(wèn)題：?jiǎn)栴}：1 1、應(yīng)明確按什么保險(xiǎn)條款進(jìn)行投保、應(yīng)明確按什么保險(xiǎn)條款進(jìn)行投保2 2、應(yīng)明確不同保險(xiǎn)條款的生效日期、應(yīng)明確不同保險(xiǎn)條款的生效日期3 3、應(yīng)明確投保險(xiǎn)別、應(yīng)明確投保險(xiǎn)別4 4、應(yīng)明確何方負(fù)責(zé)投保、應(yīng)明確何方負(fù)責(zé)投保5 5、應(yīng)明確投保加成率、應(yīng)明確投保

23、加成率6 6、如加保戰(zhàn)爭(zhēng)險(xiǎn)，應(yīng)明確、如加保戰(zhàn)爭(zhēng)險(xiǎn)，應(yīng)明確“若發(fā)生有關(guān)保險(xiǎn)費(fèi)率調(diào)若發(fā)生有關(guān)保險(xiǎn)費(fèi)率調(diào)整，所增加的保費(fèi)由買(mǎi)方負(fù)擔(dān)整，所增加的保費(fèi)由買(mǎi)方負(fù)擔(dān)”相關(guān)專(zhuān)業(yè)詞匯Insured被保險(xiǎn)人被保險(xiǎn)人 Strike Risk罷工險(xiǎn)罷工險(xiǎn)Underwriter保險(xiǎn)人保險(xiǎn)人 Warehouse to Warehouse Clause倉(cāng)至倉(cāng)條款倉(cāng)至倉(cāng)條款Total Loss全部損失全部損失 Overland Transportation Risks陸運(yùn)險(xiǎn)陸運(yùn)險(xiǎn)Partial Loss部分損失部分損失 Overland Transportation All Risks陸運(yùn)一切險(xiǎn)陸運(yùn)一切險(xiǎn)Particular

24、 Average單獨(dú)海損單獨(dú)海損 Insured Amount保險(xiǎn)金額保險(xiǎn)金額General Average 共同海損共同海損 Insurance Premium 保險(xiǎn)費(fèi)保險(xiǎn)費(fèi)Free from Particular Average，F(xiàn)PA 平安險(xiǎn)平安險(xiǎn) Insurance Policy 保險(xiǎn)單保險(xiǎn)單With Particular Average，WPA 水漬險(xiǎn)水漬險(xiǎn) Insurance Certificate 保險(xiǎn)憑證保險(xiǎn)憑證All Risks，A.R. 一切險(xiǎn)一切險(xiǎn)Combined Certificate 聯(lián)合憑證聯(lián)合憑證General Additional Risk 一般附加險(xiǎn)一般附加險(xiǎn)

25、 Insurance Cargo Clause, ICC 協(xié)會(huì)貨物條款協(xié)會(huì)貨物條款Special Additional Risk 特殊附加險(xiǎn)特殊附加險(xiǎn)War Risk 戰(zhàn)爭(zhēng)險(xiǎn)戰(zhàn)爭(zhēng)險(xiǎn)32Specimen Letter ： Insurance Dear Sirs Thank you for your letter of June 28, in which you inquired about the insurance of your Order No. 447. Generally speaking, if goods are sold on CIF basis, as it is in you

26、r case, we insure goods against All Risks for 110% of the invoice value. Should the buyer require broader coverage, the extra premium is for buyers account. 33We would like to inform you that there are three kinds of basic insurance coverage under the Ocean Marine Cargo Clauses of the Peoples Insura

27、nce Company of China dated January 1, 1981: F.P.A. (Free from Particular Average), WA or W.P.A. (With Average or With Particular Average), and A/R (All Risks). A/R is the broadest form of coverage.34The insurance terminates when the goods reach the consignees warehouse at the destination named in th

28、e policy. It is limited, however, to sixty days after completion of discharge of the insured goods from the seagoing vessel at the final port of discharge if they dont reach the above-mentioned warehouse or place of storage. PICC enjoys high reputation in settling claims promptly and equitably. It h

29、as agents in almost all major cities and ports all over the world to handle claims.35It will be very convenient to file claims for the loss of or damage to the goods with the insurance agent at your end. In case of the claim, the insured is required to submit the following documents: *Original Polic

30、y or Certificate of Insurance *Original or copy of B/L *Packing List and Invoice*Certificate of Loss / Damage, or Short-landed （短卸) Memo, and Survey Report *Statement of Claims 36Please feel free to contact us again if you have any further questions or you may contact the agent of PICC at your end a

31、t (phone number, followed by the address). Yours faithfully37Explanation： A. Generally speaking, if goods are sold on CIF basis, as it is in your case, we insure goods against All Risks for 110% of the invoice value. 1.insure：vt. 保險(xiǎn)，投保 投保，辦理保險(xiǎn)Cover insuranceEffect insuranceArrange insuranceProvide i

32、nsuranceTake out insurance 38 insurance后介詞的用法：1. 表示投保的險(xiǎn)別。后接 against。如： Insurance against all risks 2. 表示保額。后接for 如 insurance for 110 of the invoice value 3. 表示保險(xiǎn)費(fèi)或費(fèi)率， 后接at如：insurance at a slightly higher premium， insurance at the rate of 54. 表示向某保險(xiǎn)公司投保，后接with， 如：insurance with PICC39B. Should the bu

33、yer require broader coverage, the extra premium is for buyers account. coverage：n. 承保范圍，保險(xiǎn)險(xiǎn)別 We are glad to say we can provide such coverage.貨物溢短單(Over-landed / Short-landed Cargo List)貨物溢短單是指船舶卸貨完畢后由理貨長(zhǎng)將卸貨記錄匯總而編制的表明貨物所卸的數(shù)量與提單或其他有關(guān)單證所載數(shù)量比較，溢卸或短缺情況的書(shū)面證明。40ExercisesThe client thinks it more convenient for the insurance to be covered (to be taken care of) by you than by himself. Please effect insurance for 150% of the invoice value against All Risks and War Risk, as requested by the buyer.We can only cover insurance for 110% of the invoice value according to the contract stipulati