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中国人民保险公司分别制定了各种保险条款,总称为 “中国保险条款”(China Insurance Clauses, CIC) 我国现行的《海洋运输货物保险条款》（OCEAN MARINE CARGO CLAUSES )于1981年1月1日修订实施。 主要内容包括： 责任范围 除外责任 责任起讫 被保险人义务 索赔期限 Free for Particular Average (FPA) FPA means the compensation does not cover Particular Average. The coverage of FPA includes: Total loss due to natural disasters and total or partial loss caused by fortuitous accidents. FPA is not responsible for the partial loss due to natural disasters. In fact, FPA covers sacrifice in and contribution to General Average and salvage charges, that is, FPA is not applicable for Particular Average due to natural disasters. With Average: WA Aside from the risks covered under FPA conditions as above, this insurance also covers partial losses of the insured goods caused by natural calamities such as heavy weather, thunder and lightning, tsunami, earthquake or flood (excluding FPA). All Risks: AR Aside from the risks covered under the FPA and WA conditions as above, this insurance covers 11 additional risks. In other words, all risks are the most comprehensive coverage among the three. 基本险的责任范围 1.平安险,也称单独海损不赔险（共同海损赔偿） （Free from Particular Average：FPA） 平安险提供由于实际海难所造成的全部损失和共同海损的保险 2.水渍险（With Particular Average/With Average WPA/WA） 该险的责任范围除平安险的各项责任外，还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水等自然灾害所造成的部分损失。 3. 一切险（All Risks，AR） 其承保责任范围在水渍险的基础上再加上货物在 运途中由于一般外来风险所导致的全损或部分损失。 即一切险，包括一般附加险 Exclusions （除外责任） 下列原因造成的损失不付赔偿责任 被保险人的故意行为或过失所造成的损失 属于发货人责任引起的损失 在保险责任开始前，被保险货物已存在品质不良或数量短少造成的损失 被保险货物的自然损耗、本质缺陷、特性以及市价跌落 运输延迟引起的损失或费用 海洋运输货物战争险条款和罢工险条款规定的责任范围和除外责任 Note: No additional risk can be purchased to insure goods independently. Since the scope of cover of general additional risks is already included into that of All Risks, it is not necessary for the goods to be insured by additional risks if it is insured by All Risks. 附加险的责任范围 1.一般附加险（General Additional Risks） 一般附加险负责赔偿一般外来风险造成的损失。我国 《海洋运输货物保险条款》中，一般附加险有11种。如 偷窃及提货不着险和短量险