海洋運輸貨物保險條款(2009版)

1、中國人民財產(chǎn)保險股份有限公司海洋運輸貨物保險條款（ 2009 版）一、責(zé)任范圍本保險分為平安險、水漬險及一切險三種。被保險貨物遭受損失時，本保險按照保險單上訂明 承保險別的條款規(guī)定，負賠償責(zé)任。（ 一 ） 平安險本保險負責(zé)賠償：1、貨物在運輸途中由于惡劣氣候、雷電、海嘯、地震、洪水自然災(zāi)害造成整批貨物的全部損 失或推定全損。當(dāng)被保險人要求賠付推定全損時，須將受損貨物及其權(quán)利委付給保險人。被保險貨 物用駁船運往或運離海輪的，每一駁船所裝的貨物可視作一個整批。推定全損是指被保險貨物的實 際全損已經(jīng)不可避免，或者恢復(fù)、修復(fù)受損貨物以及運送貨物到原訂目的地的費用超過該目的地的 貨物價值。2、由于運輸工

2、具遭受擱淺、觸礁、沉沒、互撞、與流冰或其他物體碰撞以及失火、爆炸意外 事故造成貨物的全部或部分損失。3、在運輸工具已經(jīng)發(fā)生擱淺、觸礁、沉沒、焚毀意外事故的情況下，貨物在此前后又在海上 遭受惡劣氣候、雷電、海嘯等自然災(zāi)害所造成的部分損失。4、在裝卸或轉(zhuǎn)運時由于一件或數(shù)件整件貨物落海造成的全部或部分損失。5、被保險人對遭受承保責(zé)任內(nèi)危險的貨物采取搶救、防止或減少貨損的措施而支付的合理費 用，但以不超過該批被救貨物的保險金額為限。6、運輸工具遭遇海難后，在避難港由于卸貨所引起的損失以及在中途港、避難港由于卸貨、 存?zhèn)}以及運送貨物所產(chǎn)生的特別費用。7、共同海損的犧牲、分攤和救助費用。8、運輸契約訂有“

3、船舶互撞責(zé)任”條款，根據(jù)該條款規(guī)定應(yīng)由貨方償還船方的損失。（ 二 ） 水漬險除包括上列平安險的各項責(zé)任外， 本保險還負責(zé)被保險貨物由于惡劣氣候、 雷電、 海嘯、地震、 洪水自然災(zāi)害所造成的部分損失。（ 三 ） 一切險 除包括上列平安險和水漬險的各項責(zé)任外，本保險還負責(zé)被保險貨物在運輸途中由于外來原因 所致的全部或部分損失。二、除外責(zé)任本保險對下列損失不負賠償責(zé)任：（ 一 ） 被保險人的故意行為或過失所造成的損失。（二）屬于發(fā)貨人責(zé)任所引起的損失。（三）在保險責(zé)任開始前，被保險貨物已存在的品質(zhì)不良或數(shù)量短差所造成的損失。（四）被保險貨物的自然損耗、本質(zhì)缺陷、特性以及市價跌落、運輸延遲所引起的損失

4、或費用。（五）本公司海洋運輸貨物戰(zhàn)爭險條款和貨物運輸罷工險條款規(guī)定的責(zé)任范圍和除外責(zé)任。三、責(zé)任起訖（一）本保險負“倉至倉”責(zé)任，自被保險貨物運離保險單所載明的起運地倉庫或儲存處所開始 運輸時生效，包括正常運輸過程中的海上、陸上、內(nèi)河和駁船運輸在內(nèi)，直至該項貨物到達保險單 所載明目的地收貨人的最后倉庫或儲存處所或被保險人用作分配、分派或非正常運輸?shù)钠渌麅Υ嫣?所為止。如未抵達上述倉庫或儲存處所，則以被保險貨物在最后卸載港全部卸離海輪后滿六十天為 止。如在上述六十天內(nèi)被保險貨物需轉(zhuǎn)運到非保險單所載明的目的地時，則以該項貨物開始轉(zhuǎn)運時 終止。（二）由于被保險人無法控制的運輸延遲、繞道、被迫卸貨、重

5、新裝載、轉(zhuǎn)載或承運人運用運輸 契約賦予的權(quán)限所作的任何航海上的變更或終止運輸契約，致使被保險貨物運到非保險單所載明目 的地時，在被保險人及時將獲知的情況通知保險人，并在必要時加交保險費的情況下，本保險仍繼 續(xù)有效，保險責(zé)任按下列規(guī)定終止。1、被保險貨物如在非保險單所載明的目的地出售，保險責(zé)任至交貨時為止，但不論任何情況， 均以被保險貨物在卸載港全部卸離海輪后滿六十天為止。2、被保險貨物如在上述六十天期限內(nèi)繼續(xù)運往保險單所載原目的地或其他目的地時，保險責(zé) 任仍按上述第 （一 ）款的規(guī)定終止。（一）當(dāng)被保險貨物運抵保險單所載明的目的港（地） 以后，被保險人應(yīng)及時提貨，當(dāng)發(fā)現(xiàn)被保險貨物遭受任何損失，

6、應(yīng)即向保險單上所載明的檢驗、理賠代理人申請檢驗，如發(fā)現(xiàn)被保險貨物整件 短少或有明顯殘損痕跡應(yīng)即向承運人、受托人或有關(guān)當(dāng)局 （ 海關(guān)、港務(wù)當(dāng)局等 ）索取貨損貨差證明。 如果貨損貨差是由于承運人、受托人或其他有關(guān)方面的責(zé)任所造成，并應(yīng)以書面方式向他們提出索 賠，必要時還須取得延長時效的認證。 如未履行上述規(guī)定義務(wù)， 保險人對有關(guān)損失不負責(zé)賠償責(zé)任。（二）對遭受承保責(zé)任內(nèi)危險的貨物，被保險人和保險人都可迅速采取合理的搶救措施，防止或 減少貨物的損失，被保險人采取此項措施，不應(yīng)視為放棄委付的表示，保險人采取此項措施，也不 得視為接受委付的表示。對由于被保險人未履行上述義務(wù)造成的擴大的損失，保險人不負賠

7、償責(zé)任。（三）如遇航程變更或發(fā)現(xiàn)保險單所載明的貨物、船名或航程有遺漏或錯誤時，被保險人應(yīng)在獲 悉后立即通知保險人并在必要時加交保險費，本保險才繼續(xù)有效。（四）在向保險人索賠時，必須提供下列單證：保險單正本、提單、發(fā)票、裝箱單、磅碼單、貨 損貨差證明、檢驗報告及索賠清單。如涉及第三者責(zé)任，還須提供向責(zé)任方追償?shù)挠嘘P(guān)函電及其他 必要單證或文件。被保險人未履行前款約定的單證提供義務(wù)，導(dǎo)致保險人無法核實損失情況的，保險人對無法核 實的部分不承擔(dān)賠償責(zé)任。（ 五 ） 在獲悉有關(guān)運輸契約中“船舶互撞責(zé)任”條款的實際責(zé)任后，應(yīng)及時通知保險人。否則，保險人對有關(guān)損失不負賠償責(zé)任。五、賠償處理 保險人收到被保險

8、人的賠償請求后，應(yīng)當(dāng)及時就是否屬于保險責(zé)任作出核定，并將核定結(jié)果通 知被保險人。情況復(fù)雜的，保險人在收到被保險人的賠償請求并提供理賠所需資料后三十日內(nèi)未能 核定保險責(zé)任的，保險人與被保險人根據(jù)實際情形商議合理期間，保險人在商定的期間內(nèi)作出核定 結(jié)果并通知被保險人。對屬于保險責(zé)任的，在與被保險人達成有關(guān)賠償金額的協(xié)議后十日內(nèi)，履行 賠償義務(wù)。六、索賠期限 本保險索賠時效，從保險事故發(fā)生之日起起算，最多不超過二年。PICC PROPERTY AND CASUALTY COMPANY LIMITED OCEAN MARINE CARGO CLAUSES(2009)I. Scope of CoverT

9、his insurance is classified into the following three Conditions-Free from Particular Average (F.P.A.), With Average (W.A.) and All Risks. Where the goods insured hereunder sustain loss or damage, the Insurer shall undertake to indemnify therefore according to the Insured Condition specified in the P

10、olicy and the Provisions of these Clauses:1. Free From Particular Average (F.P.A.)This insurance covers:(1) Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of transit by natural calamities heavy weather, lightning, tsunami, earthquake and flood. In case

11、a constructive total loss is claimed for, the Insured shall abandon to the Company the damaged goods and all his rights and title pertaining thereto. The goods on each lighter to or from the seagoing vessel shall be deemed a separate risk.“Constructive Total Loss ” refers to the loss where an actual

12、 total loss 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.(2) Total or Partial Loss caused by accidents the carrying conveyance being grounded

13、, stranded, sunk or in collision with floating ice or other objects as fire or explosion.(3) Partial loss of theinsured goods attributable to heavy weather, lightning and/ortsunami, where the conveyance has been grounded, stranded, sunk or burnt, irrespective of whether the event or events took plac

14、e before or after such accidents.(4) Partial or total loss consequent on falling of entire package or packages into sea during loading, transhipment or discharge.(5) Reasonable cost incurred by the Insured in salvaging the goods or averting or minimizing a loss recoverable under the Policy, provided

15、 that such cost shall not exceed the sum insured of the consignment so saved(6) Losses attributable to discharge of the insured goods at a port of distress following a sea peril as well as special charges arising from loading, warehousing and forwarding of the goods at an intermediate port of call o

16、r refuge.(7) Sacrifice in and Contribution to General Average and Salvage Charges.(8) Such proportion of losses sustained by the ship-owners as is to be reimbursed by the Cargo Owner under the Contract of Affreightment“Both to Blame Collision ” Clause.2. With Average (W.A.)Aside from the risks cover

17、ed under F.P.A. condition as above, this insurance also covers partial losses of the insured goods caused by heavy weather, lightning, tsunami, earthquake and/or flood.3. All RisksAside from the risks covered under the F.P.A.and W.A. conditions as above, this insurancealso covers all risks of loss o

18、f or damage to the insured goods whether partial or total, arising from external causes in the course of transit.II. ExclusionsThis insurance does not cover:1、 Loss or damage caused by the intentional act or fault of the Insured.2、Loss or damage falling under the liability of the consignor.3、Loss or

19、 damage arising from the inferior quality or shortage of the insured goods prior to the attachment of this insurance.4、Loss or damage arising from normal loss, inherent vice or nature of the insured goods, loss of market and/or delay in transit and any expenses arising therefrom.5、Risks and liabilit

20、ies covered and excluded by the Ocean Marine Cargo War Risks Clauses and Strike, Riot and Civil Commotion Clauses of this Company.III. Commencement and Termination of Cover1、 Warehouse to Warehouse Clause:This insurance attaches from the time the goods hereby insured leave the warehouse or place of

21、storage named in the Policy for the commencement of the transit and continues in force in the ordinary course of transit including sea, land and inland waterway transits and transit in lighter until the insured goods are delivered to the consignee' s finalwarehouse or place of storage at the des

22、tination named in the Policy orto any other placeused by the Insured for allocation or distribution of the goods or for storage other than in the ordinary course of transit. This insurance shall, however, be limited to sixty (60) days after completion of discharge of the insured goods from the seago

23、ing vessel at the final port of discharge before they reach the above mentioned warehouse or place of storage. If prior to the expiry of the above mentioned sixty (60) days, the insured goods are to be forwarded to a destination other than that named in the Policy, this insurance shall terminate at

24、the commencement of such transit.2、 If owing to delay, deviation, forced discharge, reshipment or transhipment beyond the control of the Insured or any change or termination of the voyage arising from the exercise of a liberty granted to the ship-owners under the contract of affreightment, the insur

25、ed goods arrive at a port or place other than that named in the Policy, subject to immediate notice being given to the Companyby the Insured and an additional premium being paid, if required, this insurance shall remain in force and shall terminate as hereunder:(1)If the insured goods are sold at po

26、rt or place not namedin the Policy, this insurance shall terminate on delivery of the goods sold, but in no event shall this insurance extend beyond sixty (60) days after completion of discharge of the insured goods from the carrying vessel at such port or place.(2)If the insured goods are to be for

27、warded to the final destination named in the Policy or any other destination, this insurance shall terminate in accordance with Section 1 above.IV. Duty of the InsuredIt is the duty of the Insured to attend to all matters as specified hereunder:1、 The Insured shall take delivery of the insured goods

28、 in good time upon their arrival at the port of destination named in the Policy. In the event of any damage to the goods, the Insured shall immediately apply for survey to the survey and /or settling agent stipulated in the Policy. If the insured goods are found short in entire package or packages o

29、r to show apparent traces of damage, the Insured shall obtain from the carrier, bailee or other relevant authorities (Customs and Port Authorities etc.) certificate of loss or damage and /or shortlanded memo. Should the carrier, bailee or the other relevant authorities be responsible for such shorta

30、ge or damage, the Insured shall lodge a claim with them in writing and, if necessary, obtain their confirmation of an extension of the time limit of validity of such claim. If the Insured fails to fulfill theaforesaidobligations, the Insurer shall not be liable for the indemnity to the loss or damag

31、e attributable to such failure.2、 The Insured shall, and the Insurer may also, take reasonable measures immediately in salvaging the goods or preventing or minimizing a loss or damage thereto. The measures so taken by the Insured or by the Insurer shall not be considered respectively, as a waiver of

32、 abandonment hereunder, or as an acceptance thereof.The Insurer shall not be liable for the indemnity to the increased loss or damage attributable to the Insured' s failure to fulfill the aforesaid obligations.3、In case of a change of voyage or any omission or error in the description of the int

33、erest, the name of the vessel or voyage, this insurance shall remain in force only upon prompt notice to this Company when the Insured becomes aware of the same and payment of an additional premium if required.4、The following documents should accompany any claim hereunder made against this Company:O

34、riginal Policy, Bill of Lading, Invoice, Packing List, Tally Sheet, Weight Memo, Certificate of Loss or Damage and/or Shortlanded Memo, Survey Report, Statement of Claim.If any third party is involved, documents relative to pursuing of recovery from such party should also be included.If the Insured

35、fails to provide the aforesaid claim documents, the Insurer shall not be liable for the indemnity to the parts of the loss or damage which can not be verified due to such failure.5 、 Immediate notice should be given to the Company when the Cargo Owner' s actual respons ibility under the contract of affr eightment “ Both to Blame Collision” Clausebecomes known. Otherwise, the Insurer shall not be liable for the indemnit