unit11marine cargo insurance课件.pptVIP

? Unit 11? Marine Cargo Insurance ;（二）考试内容 　　1.Principle of marine cargo insurance 2.Insurance premium 　　3.Insurance policy 　　4.Types of basic coverage 5.Institute cargo clause 　　6.New words and expression ; Cargo Insurance is one of the most important considerations in international trade．To meet the requirement of marine cargo transportation，? various kinds of marine risks can be covered under different insurance policies．This unit deals mainly with marine cargo insurance． ;insurance policy 保险单,俗称大保单,是一种正式的保险合同 insurance certificate 保险凭条,俗称小保单,是一种简化的保险合同 Open policy 预约保险单 Combined Certificate 联合凭证 Endorsement 批单; ;1．Principles of Marine Cargo Insurance ? The marine cargo insurance is based on the principles of insurable interest，utmost good faith，and indemnity．No contract of marine insurance is valid unless the assured has an insurable interest in the subject matter insured at the time of loss．Cargo insurance is a contract of indemnity，that is，to compensate for the loss or damage in terms of the value of the insured goods．;insurable interest，保险利益 utmost good faith，最大诚信 Indemnity 赔偿 subject matter insured 保险标的 in terms of 关于，在这方面，以…形式 ;The amount insured as agreed between the insurer and the assured forms the basis of indemnity．The principle of utmost good faith is indispensable in any insurance contract．? A contract of marine insurance is a contract based upon the utmost good faith，and，if the utmost good．faith be not observed by either party，the contract may be avoided by the other party． ;Insurer underwriter 保险人 the assured/insured 被保险人 insurance amount 保险金额 insurance premium 保险费 Full insurance 足额保险 Under insurance 不足额保险 Excessive insurance 超额保险;2．Insurance Premium The premium is the consideration which the insurers receive from the assured in exchange for their undertaking to pay the sum insured in the event insured against．The general guiding rate of the insurance premium is 1％of the amount insured．;guiding rate 指导费率 Insurance Pr