国际贸易实务课件作者徐春祥第5Insurance.pptVIP

Chapter 5Insurance Reading Tips Importance of Insurance The purpose of insurance is to protect insurable interest of the assured whereby, in the event of loss of or damage to the subject matter insured resulting from an insured peril, he or she is placed in the same position that he or she enjoyed immediately before the loss occurred. This is “indemnity”. This basic principle of indemnity provides, in effect, that after indemnity the assured may not be in a better, or worse, position than they were in before the loss. Adequate insurance is vital to protect the interests of those with goods in transit(充分的保险对于保障运输过程中货物所有人的预期收益至关重要) . Apart from the protection aspect, cargo insurance also plays a vital role in the financing of overseas trade by making it possible for banks to lend money against cargo in transit –a proposition they will only consider if the cargo is protected by insurance. Cargo Insurance In the majority of international trade transactions, the contract will clearly state which party is responsible for arranging insurance for the goods being supplied and, in some cases, the point at which responsibility changes from supplier to buyer. This will be reflected in the Incoterms applied to the contract. Irrespective of the responsibility, it is important that the insurance cover is in force for the entire journey being undertaken, including any loading, unloading and temporary storage. Accordingly, insurance cover for the goods should embrace the following: Transportation of merchandise to the seaport or airport of departure. Period during which the goods are stored awaiting shipment or loading. The time while on board the ship, aircraft or other conveyance such as the international road haulage operation. The “off loading” and storage on arrival at destination airport, seaport or other specified place. Transportation to the buyer’s premises or address. Key points本章重难点 由于国际货物贸易大量通过海洋进行运输，因此，海洋运输货物保险的保障范围以及我国海洋运输货物保险的有关条款是本章重点内容。 合同中的