实训三保险单的批改.pptVIP

实训三 保险单的批改 一、背景知识 1．为什么要对保险单进行批改？ 保险单出具之后，如果保险金额有增减、或货物运送的目的地有更改，就会出现保险单所载项目同实际不符的情况，影响保险双方的权益，对此就需要对保险单进行批改，以使其符合投保人的实际情况。 保险人在进行批改时，注意以下几个方面的问题： 凡是承保规定允许的条件和内容，可按申请批改，在必要情况下，需加收保险费。 申请批改的内容如涉及到保险人所承担的保险责任，如保险金额增加、保险期限延长，则批改必须在保险标的无任何损失时或被保险人不知标的有损失时才可办理批改手续。否则保险人不接受批改申请。 批改的内容应与原保险单相联系，即批单应记载原保险单的内容和对此所做的批改，并附贴在原保险单上，并加盖骑缝章，防止漏洞。 不论是保险公司签发的、还是代理人签发的批单，都具有同等法律效力。 * 2．批改意事项。 保险公司签发批单时，首先应将批单上的项目，如批单日期、批单号码、保单号码、被保险人名称、保险金额、船名、开航日期等一一列明，然后写上批单内容。 * 二、保险批单 1．什么是海洋货物运输保险批单？ 批单（ENDORSEMENT）是批改保险单内容的凭证，具有补充、变更保险单内容的作用，保险单一经批改，保险公司就按照批改后的内容来承担保险责任，投保人或被保险人也按此批单承担相应的义务。 2．海洋货物运输保险批单式样。 * 保险批改常用的英语表达有不少，这里举几个例子，以便学生学会使用。 ① 更改包装。 IT IS HEREBY NOTED THAT THE GOODS COVERED UNDER THIS POLICY ARE PACKED IN CASES AND NOT IN BALES AS ORIGINALLY STATED. OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. ② 更改船舶名称。 IT IS HEREBY NOTED THAT THE NAME OF THE SHIP CARRYING THE GOODS INSURED UNDER THIS POLICY SHOULD BE S/S “YUAN WANG” INSTEAD OF “YUAN HANG” AS ORIGINALLY STATED. OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. ③ 更改目的地。 IT IS HEREBY NOTED AND DECLARED THAT THE FINAL DESTINATION UNDER THIS POLICY SHOULD BE “NEW YORK” INSTEAD OF “LOS ANGELES” AS ORIGINALLY STATED. OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. * ④ 更改保险条件及险别。 IT IS HEREBY NOTED THAT THIS INSURANCE IS AMENDED TO COVER ALL RISKS AS PER OCEAN MARINE CARGO CLAUSES OF PEOPLE’S INSURANCE COMPANY OF CHINA DATED 01/01/1981 INSTEAD OF LONDON INSTITUTE CLAUSE (B) AS ORIGINALLY STATED. IN CONDISIDERATION OF The ABOVE MODIFICATION, AN ADDITIONAL PREMIUM AS ARRANGED IS CHARGEABLE TO The INSURED. OTHER TERMS AND CONDITIONS REMAIN UNCHANGED ⑤ 延长码头存仓期限。 IT IS HEREBY NOTED THAT THIS INSURANCE IS NOW EXTENDED TO COVER FOR A FURTHER PERIOD OF 10 DAYS. I.E. THIS INSURANCE IS TO BE VALID FOR 10 DAYS AFTER COMPLETION OF DISCHARGE OF The GOODS FROM The OVERSEA VESSEL AT PORT OF DESTINATION UNLESS PREVIOUSLY WAREHOUSED BY CONSIGNEES OR PARTY AT INTEREST. IN CONSIDERATION OF THE ABOVE CHANGE, AN ADDITIONAL PREMIUM AS ARRANGED IS PAYABLE BY