国际营销chapter5资料.ppt

II.Definition of Marine Insurance Marine insurance is defined as a contract of insurance whereby the return for premiums collected undertakes to indemnify the insured in manner and to the extent thereby agreed,against marine losses,that is to say,the losses incidental to marine adventure. ◆Fortuitous accidents—accidents such as ship stranded,striking upon the rocks,ship sinking,ship collision,colliding with icebergs or other objects,fire,explosion,ship missing,etc. 2)Extraneous Risks ◆ General extraneous risks include theft or pilferage,rain,shortage,contamination,leakage, breakage,taint of odor,dampness,heating,rusting,hooking,etc. ◆ Special extraneous risks include war risks,strikes,non-delivery of cargo,refusal to receive cargo,etc. ◆Constructive total loss is found in the case where an actual 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)Partial Loss ◆ General average In this case, whichever shipper loses all or part of his cargo,all the others will club together to recompense him for his loss ◆ Particular average It means a partial loss which is suffered by the one whose goods are partly lost or damaged. 2)With Average/With Particular Average (W.A./W.P.A.) Aside from the risks covered under F.P.A. conditions as above,this insurance also covers partial losses of the insured goods caused by heavy weather,lighning,tsunami,earthquake and/or flood. 3)All Risks Aside from the risks covered under F.P.A. and W.A. conditions as above, this insurance also covers all risks of loss of or damage to the insured goods whether partial or total, arising from external causes in the course of transit. VI.Insurance Premium VII.Insurance Policy or Certificate VIII.Examples of Insurance Clauses in Contracts 案例一 一艘载运出口货物的轮船在航行途中前舱起火，船长下令灭火，火被扑灭后查检船上有