国贸第七章Ocean Marine Cargo Insurance课件.ppt

Ocean Marine Cargo Insurance;Overview;1. NEED FOR INSURANCE;2. COVERAGE OF OCEAN MARINE INSURANCE; Two types of risks are covered by ocean marine insurance. ;2) Loses;3) Expenses;Scope of Insurance Coverage;CIC “中国保险条款” 1、基本险别 ? FPA （Free from Particular Average，平安险 ） ? WA或WPA（With Particular Average，水渍险） ? All Risks （一切险） 2、附加险别 ? 一般附加险 ? 特殊附加险 ;ICC 英国“协会货物保险条款” ? 协会货物条款（A） ? 协会货物条款（B） ? 协会货物条款（C） ? 协会战争险条款 ? 协会罢工险条款 ? 恶意损害险条款——附加险别 ;3. FUNDAMENTAL PRINCIPLES OF CARGO INSURANCE;1) Insurable interest(可保利益);the concept of lost or not lost.;　2) Utmost good faith;3) Indemnity; The practical way of concluding marine insurance is on the basis of agreed value. The reason is that it is hard to arrive at the value of the lost property if the loss occurs at the sea. The figure of compensation provides an approximation but not exact indemnity for the assured depending on where the loss occurs, how market fluctuates and if the subject matter insured is undervalued or overvalued. ;4) Proximate cause and principle of subrogation;4. MAIN CATEGORIES OF GENERAL CARGO INSURANCE;1) Free from Particular Average (FPA) of China Insurance Clauses (CIC, effective January 1, 1981);Policy Written for FPA Conditions Loss Caused By or Resulting From:; Particular average(单独海损 ) means a loss that is borne solely by the owner of the lost property (ship or cargo) general average(共同海损 ) means a sacrifice made for the common safety of both the cargo and the ship. Partial damage of cargo by sea water is;2) With Average/With Particular Average (WA/WPA) of CIC;3) All Risks (AR) of CIC;Typical exclusions in an “ALL-RISK” Policy are: 1.?????Improper packing 2.?????Abandonment of cargo 3.?????Rejection of goods by customs 4.?????Failure to pay or collect accounts 5.???? Inherent vice (infestation or loss due to the nature of product itself) 6.?????Employee conversion or dishonesty 7.???? Losses due to delay or loss of market 8.?????Losses in excess o