商务口语谈判.ppt

objectives 1 Have proper knowledge of marine cargo insurance 2 Learn the type of insurance 3 Know how to choose insurance coverage against certain risks 4 Learn the knowledge about premiums Ocean cargo insurance Usually, the goods delivered from the sellers to the buyers undertake a long distance transportation. During this process, every shipment runs the risk of a long and dreary list of hazard. Then, cargo insurance is the trader’s shield against the financial losses such hazards bring. In order to protect the goods against possible losses, the buyers or sellers usually cover their goods with an insurance company. And this is usually done before the transportation of the goods and has become an indispensable part to the import and export practice. A) Free from Particular Average (F.P.A) 平安险 The word average has a special meaning in cargo insurance. It means partial loss or non-total loss to a ship or cargo, and partial loss in turn means (1) total loss of part of the insured cargo or (2) damage to all or part of the insured cargo. 平安险的责任范围： ①被保货物在运输过程中，由于自然灾害造成整批货物的全部损失或推定全损。被保货物用驳船运往或远离海轮的，每一驳船所装货物可视为一整批。 ②由于运输工具遭受意外事故造成货物全部或部分损失。 ③在运输工具已经发性意外事故下，货物在此前后又在海上遭受自然灾害落海造成的全部分损失。 ④在装卸或转运时，由于一件或数件货物落海造成的全部或部分损失。 ⑤被保人对遭受承保范围内的货物采取抢救、防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为限。 ⑥运输工具遭难后，在避难港由于卸货所引起的损失以及在中途港、避难港由于卸货、存仓以及运送货物所产生的特别费用。 ⑦共同海员的牺牲、分摊和救助费用。 ⑧运输合同订有船舶互撞责任条款，根据该条款规定应由货方偿还船方的损失。 C) All Risks 一切险 Aside from the risk covered under the F.P.A and W.P.A. conditions above, this insurance also covers all risks of loss or of damage to the insured goods whether partial or total, arising from external causes in the course of transit. 一切险的责任范围：除平安险和水渍险的各项责任的，还负责被保货物在运输途中由于一般外来原因所造成的全部或部分损失。 一般附加险General Additional Risk  特殊附加险Special Additional Risk  War Risk 　海上货物运输战争险 Strikes Risk海上货物运输罢工 On Deck Risk舱面险 Aflatoxin Risk黄曲霉素险 Rejection Risk拒收险 Failure to Deliver Risk交货不到险 While doing insurance negotiation, negotiators should c