2014年11月11日 Chapter 06 Cargo Transportation Insurance概要1.ppt

SEIB OF GDUFS Chapter Six Cargo Transportation Insurance Learning objectives After learning this chapter you will be able to understand the fundamental principles of cargo insurance be aware of the risks and losses in ocean transportation outline the scope of the Ocean Marine Cargo Clauses of CIC frame the coverage of London Institute Cargo Clauses understand the procedure for lodging claims describe methods of stipulating insurance clauses in Sales Contracts * Definitions Definition of insurance the practice of sharing among many persons, risks of life or property that would otherwise be suffered by only a few. Definition of marine cargo insurance the insurant (投保人) enters with an insurance company and/or an underwriter into a contract of insurance in which the insurant undertakes the payment of an insurance premium (保险费) and the insurance company will, according to the terms indicated in the insurance contract, indemnify the insurant of any loss that occurs within the scope of coverage * Parties involved in an insurance practice the insurant / insured/assured （投保人） The party that procures insurance Can be the exporter or importer depending on the Incoterms adopted in the transaction the insurer （承保人） The party undertaking to indemnify the insurant against losses or damages Can be the insurance company / underwriter In China, PICC is usually the insurer the claimant （索赔人） The insurant may not necessarily be the claimant Depending on: who has the insurable interest of the goods when the goods are damaged or lost * 6.1 Fundamental principles The Insurable Interest Principle 可保利益原则 The Utmost Good Faith Principle 最大诚信原则 The Indemnity Principle 赔偿原则 The Proximate Principle 近因原则 The Subrogation Principle 代位求偿权原则 The Share Principle 分摊原则 * 6.1.1 The insurable interest principle Definition: The financial interest of a person in the subject matter insured Forms of insurable interest: Ownership of the goods Charge of insurance Freight A policy without insurable i