Lesson 7 Insurance Policy 保险单 世纪商务英语—函电与单证 教学课件.ppt

Lesson 7 Insurance Policy 保险单 Lesson 7 Insurance Policy 保险单 Introduction 保险单是保险人接受被保险人的申请，并交纳保险费后而订立的保险契约。 在国际贸易业务中，常用的保险单据主要有两种形式。一种是保险单（Insurance Policy），俗称大保单。它是保险人和被保险人之间成立保险合同关系的正式凭证。另一种是保险凭证（Insurance Certificate），俗称小保单。它是保险人签发给被保险人，证明货物已经投保和保险合同已经生效的文件。保险凭证的正面内容较保险单要简略一些，且背面没有印保险条款，其法律效力与保险单相同，但当信用证规定提交保险单时，不能以保险凭证代替。 特别条款： 《跟单信用证统一惯例》第34条规定：“除非信用证另有规定，或除非保险单据表明保险责任最迟于装船或发运或接受监管之日起生效，银行将拒收出单日期迟于运输单据表明的货物装船或发运或接受监督日期的保险单据”。 因此，要求保险单签发日期应早于提单日期。 除信用证内规定无免赔率外，对有免赔率的货物须在保单上注明。 Lesson 7 Insurance Policy 保险单 Specimen Lesson 7 Insurance Policy 保险单 Contents 1) Number of Originals (正本份数) It should be made according to L/C stipulations. When there is no stipulation in the L/C, exporters usually submit a full set of insurance policy, which covers one original and one duplicate. 2) Policy Number (保险单号次) It should be the given number by Insurance company. 3) Invoice Number (发票号码) It should keep the same as that in the invoice. 4) Insured (被保险人) Unless otherwise stated in the L/C, under terms of CIF and CIP, insurance should be covered by exporters, so the Insured should be the beneficiary in the L/C. 5) Descriptions of Goods(保险货物项目) It can use the general name of goods and keep the same as that both in the L/C and other documents. 6) Packing，Unit，Quantity(包装、单位、数量) It is the number of the biggest packages（最大包装的件数）(or “In Bulk”), quantity (gross or net weight), and unit. 7) Amount Insured(保险金额) The amount usually will be 110% of the invoice value. 8) Conditions (承保条件) Usually the insurance company should stamp the insurance clauses at the requirements of the insured. 9) Marks of Goods (唛头) It should be the same as that in the L/C and the relevant invoice. 10) Total Amount Insured (总保险金额) It should be the total amount in words. 11) Premium (保费) Usually the insurance company will print “as arranged” on the insurance policy. If L/C asks for details, premium shall be specified. 12) Per Conveyance SS (运输工具)