第七讲国际货物运输保险 .pptxVIP

第七章 国际货物运输保险 (Insurance on International Cargo Transportation)本章内容保险的基本原则我国海运保险承保的险别合同中的保险条款第1节 海运货物保险承保的范围1. Risks ensured1.1 自然灾害（natural calamities）恶劣气候 (heavy weather）雷电（lighting）海啸（tsunami）浪击落海 (washing overboard）洪水（flood）地震（earth quake）火山爆发（volcanic）…1.2 意外事故（accident）火灾（fire）爆炸（explosion）搁浅（grounding）触礁（stranding）沉没（sunk）碰撞（collision）倾覆（capsized）…1.3 外来风险 （Extraneous Risks）1.3.1一般外来风险 （General Extraneous Risks）偷窃（theft,pilferage）渗漏（leakage）短量（shortage）碰损（clashing）破碎（breakage）淡水雨淋（fresh and rain water damage）生锈（rusting）沾污（contamination）受潮受热（sweating heating）串味（taint of taste）…1.3.2 特殊外来风险 （Special Extraneous Risks） 指军事、政治、国家政策法令及行政措施等外来风险，如战争、罢工、交货不到、拒收等。2. Losses Ensured in Marine Insurance2.1 按损失的程度划分2.1.1 全部损失（total loss）（1）实际全损（actual total loss, ATL） It occurs where the insured goods have been totally lost or damage, or found to be totally valueless on arrival：The insured goods have been completely extinguished.The insured goods have been seriously damaged and lost its original use and value.The ownership of the insured to the insured goods has been irretrievably deprived. The ship carrying the cargo has disappeared for a given period.（2）推定全损(Constructive Total Los) Refers to the loss where an actual total loss appears to be unavoidable or the cost to be incurred in recovering or reconditioning the goods together with the forwarding cost to the destination named in the policy would exceed their value on arrival.是指被保险货物在运输途中受损后，实际全损已经不可避免; 或者为避免发生实际全损所需支付的费用与继续将货物运抵目的地的费用之和超过保险价值。2.1.2 部分损失(Partial Loss)不属于实际全损和推定全损的损失。（海商法247条）2.2 按货物损失的性质划分 2.2.1 General Average (共同海损)Refers to a certain special sacrifice and extra expense intentionally incurred for the general interests of the ship-owner, the insurer, and the owners of the various cargoes aboard the ship.指载货船只在航行过程中，由于某种原因发生了威胁到船、货和其他财产等方面共同安全的风险时，船方为了维护船舶、货物的共同安全，使航行得以完成，有意识地、合理地采取措施，所造成的特殊损失或支付的额外费用。抛弃甲货主的货物20万元Conditions of General Average The risk must be real and threaten the safety of the shi