




版權(quán)說明:本文檔由用戶提供并上傳,收益歸屬內(nèi)容提供方,若內(nèi)容存在侵權(quán),請進行舉報或認(rèn)領(lǐng)
文檔簡介
Chapter8
CargoTransport
Insurance全英實務(wù)(8)Keypoints:Basicconcepts:
insurer,insured,underwriter,applicant.Risks:PerilsoftheSea&ExtraneousRisksLoss:
TotalLoss&PartialLossBasicRisks
andAdditionalRisksofCICCalculationofInsuredAmount全英實務(wù)(8)SomebasicconceptsApplicant(投保人)
≈
Theinsured(被保險人)Underwriter
(承保人)
=Theinsurer(保險人)
=insurancecompanyInsuranceBroker:anagentwhosellsinsurance.Claimant:someonewhoclaimsabenefitortitle.
InsuredAmount(保險金額)Premium(保險費)Insurancepolicy
(保險憑證/保單)Premiumrate(保險費率)全英實務(wù)(8)SomeChinese&foreigninsurersPICC(People’sInsuranceCompanyofChina)CorporationofLIoyd’s勞合社:
水險、航空、汽車、衛(wèi)星等.ING荷蘭國際集團
(No.13ofWorldTop500)AXA法國安盛
(No.15ofWorldTop500)Allianz
德國安聯(lián)
(No.16ofWorldTop500)AIG
美國國際集團
(No.20ofWorldTop500)GENERALI
意大利忠利(No.21ofWorldTop500)AVIVA英國英杰華
(No.28ofWorldTop500)全英實務(wù)(8)
InternationalCargotransportInsuranceRisks1.Perilsofthesea
Naturalcalamities:
Causedbytheforcesresultingfromthechangesofnature,e.g.vileweather,thunder,lightning,tsunami,earthquake,flood,etc.
b.Fortuitousaccidents:
Theaccidentsresultingfromunexpectedcauses,e.g.thecarryingconveyancebeinggrounded,stranded,orincollisionwithfloatingiceorotherobjects,aswellasfireorexplosion.全英實務(wù)(8)
2.ExtraneousrisksTherisksbesidetheperilsofthesea.
(NotcoveredbyW.AorF.P.A.)Generalextraneousrisks(一般外來風(fēng)險):
includetherisksoftheft,shortage,leakage,dashedbyfreshandrainwater,sweatingandheating,intermixtureandcontamination,taintofodor,hookdamage,breakageofpacking,rusting,etc.(becoveredonlybyAllRisks)Specialextraneousrisks(特殊外來風(fēng)險):
includetherisksondeck,war,strikes,failureofdelivery,rejection,pirate(searover),etc.全英實務(wù)(8)3、Oceanlosses
a.TotallossActualTotalLoss:Theinsuredsubjectmatteristotallyandirretrievablylost.(2)
ConstructiveTotalLoss:
Itisestimatedthattheactualtotallossofcargoisinevitableorthecostofsalvageorrecoverycouldexceedthevalueofthecargo.
返回目錄全英實務(wù)(8)
Partialloss
(1)GeneralAverageloss:共同海損
Aspecialsacrificeandextraexpenseintentionallyincurredforthegeneralinterestsoftheshipowner,theinsurer,andtheownersofthevariouscargoesaboardtheship.(2)ParticularAverageloss:
單獨海損
Aparticularcargoisdamagedbyanycauseandthedamagedoesnotcomeuptoatotalloss,i.e.,onlyapartialloss,whichshallbebornebytheowneroftheindividualconsignment.返回目錄全英實務(wù)(8)C.
Maritimecharges
(nointhebook)
(1)Sueandlaborcharges:
施救費用
Thereasonableexpensestosave,protect,orreducethelossbyinsuredandthepolicybeneficiary.Italsoshouldbecoveredbytheinsurer.(2)Salvagecharges:救助費用
Theexpensesofthethirdpartytosuccessfullysavethecargoandtheship.Accordingtotherelativelaws,theinsurershallpaytothesalver(thirdparty).Butthereisaprinciple,i.e.,“nosave-nopay”.全英實務(wù)(8)II.
ChinaInsuranceClauses
(CIC)Thecontents(sameasInstituteCargoClause):a.Basicrisks
(3conditions)
:
F.P.A.
FreefromParticularAverage(平安險)W.P.A.
orW.A.
WithParticularAverage,WithAverage(水漬險)
Allrisks
(一切險)
返回目錄全英實務(wù)(8)1.
F.P.A.
(平安險)
FreefromParticularAverage8circumstances:Actualtotallossorconstructivetotallossfromnaturalcalamity,i.e.
vileweather,bore,earthquake,flood…
The
Insuredmustauthorizetheinsurerifitistheconstructivetotalloss.(2)Totallossorpartiallosscausedbyfortuitous
accidents,i.e.
stranded,collisionwithfloatingiceorotherobjects,fireorexplosion……(3)Partiallosscausedfromnaturalcalamityagainbeforeandafterfortuitousaccidents(4)Totallossorpartiallossofoneorseveralpiecesofcargodroppingintotheseawhenshipmentorduringtransport.全英實務(wù)(8)Continued:(5)Reasonableexpensestosave,protect,orreducethelossbyinsured,butnomorethantheinsuredvalue.(6)Specialexpensesofunloading,storageandshippinginharborageaftershipgettingperilsofthesea.(7)Thesacrifice,sharingandthechargesofgeneralaverage.(8)Ifthetermof“collisionwith
ships”isinvolvedintransportcontract,theownersofthecargoesshouldcompensatethelossoftheshipowner.全英實務(wù)(8)2.
W.P.A.
or
W.A.
(水漬險)Itcoverspartialloss
duetonaturalcalamity
(vileweather,lightning,tsunami,earthquakeand/orflood)aswellastheriskscoveredunderF.P.A.conditionasmentionedabove.3.Allrisks
(一切險)
AsidefromtheriskscoveredundertheF.P.A.andW.A.conditions,italsocoversallrisksoflossesordamagetotheinsuredgoodswhetherpartialortotal,arisingfrom
externalcausesinthecourseoftransit(generalextraneousrisks).返回目錄全英實務(wù)(8)RelationsbetweenthreekindsofbasicinsurancecoverageF.P.A.=W.P.A.-
ParticularAverageW.P.A.(W.A.)=F.P.A.+ParticularAveragecausedbynaturalcalamityAllRisks=F.P.A.+ParticularAverage+GeneralAdditionalRisks=W.P.A.+GeneralAdditionalRisks全英實務(wù)(8)W/WClause:Warehousetowarehouseclause:1.Fromthewarehouseindeparturetothefinalwarehouseindestination;
2.or60daysafterunloading.返回目錄全英實務(wù)(8)b.
Additionalrisks
(attachedrisks)
Thesekindsofriskscan’tbecoveredindependently;theyshallbeunderwrittendependingononeofthebasicrisks.1).Generaladditionalrisks
(11conditions)
2).Specialadditionalrisks
(8conditions)
全英實務(wù)(8)1)Generaladditionalrisks
11generalconditions
tobe
coveredbyAllRisks1.Clash&breakage/碰損破碎險2.Taintofodor/串味險3.Freshwater&/orraindamage/淡水雨林險4.T.P.N.D.Theft,pilferageandnon-delivery/偷竊、提貨不著險5.Shortage/短量險6.Leakage/滲漏險7.Intermixture&contamination/混雜玷污險8.Hookdamage/鉤損險9.Sweatandheating/受潮受熱險10.Rust/銹損險11.Breakageofpacking/包裝破碎險全英實務(wù)(8)2)Specialadditionalrisks
9specialconditionsBesidesAllrisks,thefollowingrisksshouldbebought
inaddition:1.
Warrisks/戰(zhàn)爭險
directloss&generalaverageofit;onlyonboardofshiporlighter,butnotforlossofatombomb.2.Strikerisks/罷工險
directloss&generalaverageofit3.Aflatoxin/黃曲霉素險4.Failuretodeliver/交貨不到險
nodeliveryafter6months5.Ondeckrisks/艙面險6.Importdutyrisk/進口關(guān)稅險
totaldutyfordamagedgoods.7.Rejectionrisk/拒收險
rejectedbyimportinggovernmentF.R.E.C.(FireRiskExtensionClauseathongKong)/
港澳存?zhèn)}險火險擴展條款9.Piraterisks/海盜險全英實務(wù)(8)CalculationofinsuredamountRateofInsuredAddition:
CIForCIPx10%Insuredamount=CIF(orCIP)x(1+10%)
IfitisanimportconsignmentunderFOBterm:Insuredamount
=FOB(or
FCA)
x
(1+transportrate+insuredrate)Ifconsignmentpriceandfreightisgiven(CFRorCPT):CIF(CIP)=CFR(orCPT)
/1-【Insuredrate
x(1+10%)】Premium=CIF(orCIP)x(1+10%)x
Premiumrate全英實務(wù)(8)ExercisesShanghai-VWAutoJointventurewillexportcarstoAden
Yemen
underCIFterm.Thesalescontractsaysasfollowing:
Insurance:Tobecoveredbythesellerfor110%oftotalinvoicevalueagainstAllRisks,Warrisksandpiraterisks.TheinvoicevalueisEUR1,500,000CIFAdentherateofAllRisksis0.8%,therateofWarrisksis0.13%,andthepiraterateis0.5%.
Plscalculatethe
insuredamountand
thepremium.Ifthepiraterateisincreasedto5%,howmuchisthepremium?全英實務(wù)(8)Insuredamount=CIF(CIP)x(1+10%)
Premium=CIF(CIP)x110%
x
PremiumrateInsuredamount=EUR1,500,000x(1+10%)
=EUR1,650,000Premium=Insuredamount
x
Premiumrate=1,650,000x(0.8%+0.13%+0.5%)=1,650,000x1.43%=EUR23,595Ifpiraterateischangedto5%:Newpremium
=1,650,000x(0.8%+0.13%+5%)=1,650,000x5.93%=EUR97,845全英實務(wù)(8)Waystomaketheinsuranceclause保險由賣方按發(fā)票金額的0.4%投保平安險(水漬險/一切險),以中國人民保險公司2008年11月的有關(guān)海洋運輸貨物保險條款為準(zhǔn)。
Insurance:Tobecoveredbythesellerfor0.4%oftotalinvoicevalueagainstF.P.A.(W.P.A./AllRisks),asperandsubjecttotherelevantoceanmarinecargoclausesofPeople’sInsuranceCompanyofChina,datedNov.2011.Additionalrisks附加險條款舉例:
加保戰(zhàn)爭險,費率0.03%;短量險,費率0.02%,短量免賠率0.5%.IncludingWarRisksfor0.03%andshortageofweightfor0.02%inexcessof0.5%.全英實務(wù)(8)Summary:ConceptsaboutinsurancePerilsofthesea&Extraneousrisks
Totalloss:
ActualTotalLoss&ConstructiveTotalLossPartialloss:GeneralAverage
&ParticularAverage3BasicRisks
ofCIC:F.P.A.,W.P.A.,Allrisks11Generaladditionalrisks&9SpecialadditionalrisksofCICCalculationofinsuredamountandpremiumHowtomaketheinsuranceclause全英實務(wù)(8)I.Singlechoicequestions.1.Thepersonwhoentersintoaninsurancecontractwithinsureriscalled()
A.theinsuredB.underwriterC.brokerD.agent2.UsuallytheminimumamountinsuredshouldbetheCIFvalueofthegoodsplus()A.40%B.30%C.20%D.10%3.WhichofthefollowingrisksisnotcoveredinFPAcoverage?()
A.generalaverageB.fireC.salvagechargesD.war4.WhichofthefollowingrisksisnotcoveredinAllRiskscoverage?()A.naturalcalamitiesB.strikeC.fireD.collision全英實務(wù)(8)5.Whichofthefollowingcoveragedoesnotcoverpartiallossordamageresultingfromnaturalcalamities?()A.W.P.A.B.F.P.A.C.AllrisksD.InstituteCargoClause6.Damagetocargoesunavoidablyincurredinthecourseoffire-fightingoperationscanberegardedas().
A.particularaverageB.generalaverageC.partiallossD.totalloss7.Thetermcargoinsuranceappliesto()transportation.
A.marineB.airC.landD.allofthethree全英實務(wù)(8)8.The()referstothepersonwhopaysthepremium.
A.insurerB.insuredC.freightforwarderD.insurancebroker9.“ParticularAverage”isdescribedinthepolicyas“fortuitous()loss”.
A.partialB.totalC.intentionalD.accidental10.FPAprovidesamorelimitedcoverthanWPAsinceitdoesnotinclude()lossesanddamagesfromnaturalcalamities.
A.partialB.totalC.generalD.accidental全英實務(wù)(8)11.FPAisnotsuitablefor()cargo,whichcansufferlossesordamagebypilferageorbreakageofcontents.
A.bulkB.unpackedC.generalD.common12.WAmeanswith“()”bothfrom“GeneralAverage”and“ParticularAverage”.
A.partiallossB.totallossC.averagelossD.average13.Warrisksdifferfromstrikes,riotsorcivilcommotioninthatitexcludesthegoodsintransit().
A.byseaB.byairC.onthelandD.byinlandwaterway全英實務(wù)(8)14.WarRisksareaddedtothe()insurancecover.
A.generalB.particularC.averageD.main15.FPA()contributiontoGeneralAverage.
A.isexcludedB.isincludedC.excludesD.includes16.WhichofthefollowingrisksarecoveredbytheAllRiskscoverageofPICCOceanMarineCargoClauses.()
A.WarandFireB.StrikeanddelayC.AflatoxinandondeckDHeavyweatherandfire全英實務(wù)(8)17.Whichofthefollowingcoveragedoesnotcoverpartiallossofdamageresultingfromnaturalcalamities.()A.WPAB.FPAC.ICC(B)D.ICC(A)18.()definedaslossarisingintheconsequenceofextraordinaryandintentionalsacrificemade,orexpenseincurred,forthecommonsafetytotheshipandcargo.A.ParticularaverageB.GeneralaverageC.WithoutaverageD.Withaverage19.WhichofthefollowingrisksisnotcoveredbytheAllRiskscoverageofmarinecargotransportationinsurance().A.delayB.floodC.lightingD.heavyweather全英實務(wù)(8)20.Thegeneralguidingrateoftheinsurancepremiumis()oftheamountinsured.A.0.5%B.1%C.2%D.10%21.Ininternationaltrade,theinsuredamountisoftenthe()valueoftheconsignmentplus10%.
A.FOBB.CFRC.CIFD.DDU22.W/Wclauseistheliabilitiescommencementandterminationperiodof()
A.carrierB.shipperC.consigneeD.insurance全英實務(wù)(8)II.Multiplechoicequestion(chooseatleasttwoanswerswhicharecorrectinthefollowings).Whichofthefollowingprinciplesareapplicabletomarinecargoinsurance?
A.insuranceinterestB.utmostgoodfaithC.indemnityD.allrisks2.WhichofthefollowingrisksarecoveredinAllRiskcoverage?A.warrisksB.strikerisksC.rustrisksD.shortagerisks全英實務(wù)(8)3.Thepremiumratesmayvarydependingonfactorssuchas()A.typeofgoodsB.valueofthegoodsC.modeoftransportationD.typeofriskscovered4.Whichofthefollowingrisksbelongtothegeneraladditionalrisks.()
A.FPAB.WPAC.leakagerisksD.intermixtureandcontaminationrisks
5.InstituteCargoClause(B)coverslossordamagetocargocausedby().
A.earthquakeB.volcaniceruptionC.lightingD.fireorexplosions全英實務(wù)(8)6.Principlesofmarinecargoinsuranceinclude()
A.premiumB.insurableinterestC.indemnityD.utmostgoodfaith7.Thepremiumratesmayvarydependingonfactorssuchas
A.modeoftransportationB.typeofgoodsC.valueofthegoodsD.containerorbulkshipment8.AllRisksprovideinsuranceagainstallrisksoflossordamagetothecargoinsuredexceptforthosedamagesorlosseswhicharedueto().
A.earthquakeB.delayC.strandingD.inherentvice全英實務(wù)(8)9.Insuranceisessentiallyacontractbetweentwoparties,namely()
A.theinsurerandtheinsuredB.theimporterandtheexporterC.theinsurancecompanyandtheownerofcargoD.theinsurancebrokerandtherepresentativeactingonbehalfoftheowner10.Partiallossesincurredasaresultofspecificcasualtiessuchas()arecoveredinFPA.
A.burningofthevesselB.lightingC.strandingD.sinking11.Thebasictypesofinsurancecoverageinclude().
A.FPAB.WPAC.ARD.WarRisks全英實務(wù)(8)12.ICC(B)coverslossofordamagetocargocausedby().
A.earthquakeB.groundingC.lightingD.fireorexplosions13.AllRisksofmarinecargotransportationinsurancecoversrisksof()
A.warandstrikeB.generalaverageC.inherentviceofgoodsD.strandingofship14.UnderCIF,iftheB/LisissuedonJuly20th,theinsurancepolicycanbeissuedon().
AJuly10thBJuly15thCJuly20thDJuly21st全英實務(wù)(8)15.()arethepartiesofinsurancecontract.
A.InsurerB.InsurancebrokerC.InsuredD.Insuranceagent16.()canbesolelycovered.
A.FPAB.WPAC.TPNDD.Allrisks全英實務(wù)(8)17.()arecoveredinAllriskscoverage.
A.warrisksB.strikerisksC.rustrisksD.shortagerisks18.W/WClauseissuitableto().
A.FPAB.TPNDC.WarRisksD.StrikeRisks19.Whenchoseinsurancecoverage,theinsuredshouldconsider().
A.thecharacteristicsofthecargoB.thepackingofthecargoC.thetransportationmodeandrouteD.theportofcall全英實務(wù)(8)III.Trueorfalse.
溫馨提示
- 1. 本站所有資源如無特殊說明,都需要本地電腦安裝OFFICE2007和PDF閱讀器。圖紙軟件為CAD,CAXA,PROE,UG,SolidWorks等.壓縮文件請下載最新的WinRAR軟件解壓。
- 2. 本站的文檔不包含任何第三方提供的附件圖紙等,如果需要附件,請聯(lián)系上傳者。文件的所有權(quán)益歸上傳用戶所有。
- 3. 本站RAR壓縮包中若帶圖紙,網(wǎng)頁內(nèi)容里面會有圖紙預(yù)覽,若沒有圖紙預(yù)覽就沒有圖紙。
- 4. 未經(jīng)權(quán)益所有人同意不得將文件中的內(nèi)容挪作商業(yè)或盈利用途。
- 5. 人人文庫網(wǎng)僅提供信息存儲空間,僅對用戶上傳內(nèi)容的表現(xiàn)方式做保護處理,對用戶上傳分享的文檔內(nèi)容本身不做任何修改或編輯,并不能對任何下載內(nèi)容負(fù)責(zé)。
- 6. 下載文件中如有侵權(quán)或不適當(dāng)內(nèi)容,請與我們聯(lián)系,我們立即糾正。
- 7. 本站不保證下載資源的準(zhǔn)確性、安全性和完整性, 同時也不承擔(dān)用戶因使用這些下載資源對自己和他人造成任何形式的傷害或損失。
最新文檔
- 網(wǎng)絡(luò)游戲虛擬物品交易安全認(rèn)證與技術(shù)支持協(xié)議
- 農(nóng)田水利設(shè)施灌溉用水權(quán)承包轉(zhuǎn)讓合同
- 生命科學(xué)企業(yè)細(xì)胞凍存服務(wù)及專用儲存盒租賃合同
- 保險退保金結(jié)算與客戶權(quán)益保障協(xié)議
- 微信小程序電商運營培訓(xùn)與客戶關(guān)系管理協(xié)議
- DB42-T 2018-2023 大水面漁業(yè)資源調(diào)查評價技術(shù)規(guī)范
- 上海電子信息職業(yè)技術(shù)學(xué)院《農(nóng)業(yè)相關(guān)政策培訓(xùn)》2023-2024學(xué)年第二學(xué)期期末試卷
- 江西工業(yè)職業(yè)技術(shù)學(xué)院《中西醫(yī)結(jié)合重癥醫(yī)學(xué)》2023-2024學(xué)年第二學(xué)期期末試卷
- 四川省樂山市犍為縣2025年初三下學(xué)期強化選填專練(二)生物試題含解析
- 江西現(xiàn)代職業(yè)技術(shù)學(xué)院《建筑史綱》2023-2024學(xué)年第一學(xué)期期末試卷
- TSG 07-2019電梯安裝修理維護質(zhì)量保證手冊程序文件制度文件表單一整套
- 2025深圳勞動合同下載
- 《風(fēng)電施工流程》課件
- 水處理設(shè)備日常維護方案
- 2024年上海市交大附中高三語文期中考試作文題目解析及范文:松弛感
- 【碳足跡報告】新鄉(xiāng)市錦源化工對位脂產(chǎn)品碳足跡報告
- 部編版歷史九年級上冊第1課-古代埃及【課件】a
- 盾構(gòu)法施工畢業(yè)設(shè)計論文
- 2015-2024北京中考真題語文匯編:文言文閱讀
- 食品安全責(zé)任保險投保單
- 室內(nèi)批灰合同模板
評論
0/150
提交評論