第五组 2.pptVIP

UNIT13INSUREANCE CONTENTS 1.Introduction 2.Coverge 3.Two letters 4.Key words and sentences 1. Introduction Cargo insurance proteceion is an aid to commercial negotiations. Insurance for international trading includes Overland Transportation Insurance,Air Transportation Insurance,Parcel Transportation Insurance and Marine Insurance. However,in most cases,Marine Insurance is of prime importance because the great majorit of international trading cargoes are deliere by sea. 出口贸易中买卖合同的条款中，通常都规定了海上保险（Marine Insurance）的一切费用应由买方负担还是由卖方负担。 （1）Goods sold in accordance with the FOB clause, insurance expenses shall be borne by the buyer.货物按照FOB条款售出时，保险费用由买方承担。 （2）Goods sold in accordance with Clause CIF, unless otherwise specified in the contract, insurance costs paid by the seller.货物按照CIF条款售出时，除非合同另有规定，保险费用由卖方支付。 2. Coverage 2.1Basic coverage 2.2Additional coverage 2. 1 Basic Coverge 中国人民保险公司 People’s Insurance Company of China 中国保险条款 China Insurance Clauses (CIC) 中国海洋运输货物保险条款 Ocean Marine Cargo Clauses 伦敦保险协会 Institute of London Underwriters 协会货物条款 Institute Cargo Clauses 中国人民保险公司承担所有类型的运输保险，在其制定的中国保险条款中，中国海洋运输货物保险条款所包括的三个基本险别，与伦敦保险协会的协会货物条款所包括的三个基本险别(Basic coverage)名称相同，即： 平安险（Free from Particular Average）FPA 水渍险（With Particular Average）WPA/WA 一切险（All Risks） 平安险 WPA Free from Particular Average (FPA): This is the minimum coverage and offers limited protection. However, there are two exceptions in which partial loss or damage is recoverable. First, if the lost object is a separate package in a shipment such as one case out of a ten-case shipment, partial loss or damage is recoverable. And if the vessel or craft is stranded, sunk or burnt, partial loss or damage is also recoverable. In fact, partial loss caused by natural calamities is not coverable. That is: Total loss + general average + particular average caused by accidents 水渍险 WPA With Average/ With Particular Average (WA / WPA):