6INTERNATIONALCARGOTRANSPORTATIONINSURANCE,Understanding:Risk,AverageandExpensesCargoinsuranceclauseofPICC(CIC)andICCInsurancedocumentsInsurancecontractparties,Grasp:GeneralAverage,ParticularAverageInsurancecoverageofBasicRiskandAdditionalRiskSuethemeasuresarereasonableSacrificeistheresultofintentionalacts;CostsareextraLossisthelossofextraordinarycircumstances,GeneralAverageContributionAfterthegeneralaverageoccurred,everysacrificeandexpensefallwithinthescopeofgeneralaverage,whichallneedthroughtheadjustmentofgeneralaverage,andbeapportionedwithratiobytherescuedbeneficiaries(ship,cargoandfreightrevenueside)accordingtotheoriginalvalueofthesalved.,York-AntwepRulesBeijingG.A.SettlementRules,Survivedtheunderlyingvalue(Insurancevalueofthesubjectstatedonthepolicy),ParticularAverageOnlyinvolvestheunilaterallossoftheshipsortheownerofthegoodsinterests,ThedifferencesbetweenGeneralAverageandParticularAverage,Expenses,SueandLabourExpensesThepersonwhotakesmeasuresmusthasdirecteconomicinterestwiththesubjectmatterinsured.SalvageChargeAthirdpartyexcepttheinsuredortheinsurerOtherexpenses,Case,有一貨輪在航行中與流冰相撞。船身一側(cè)裂口，艙內(nèi)部分乙方貨物遭浸泡。船長(zhǎng)不得不將船就近駛?cè)霚\灘，進(jìn)行排水，修補(bǔ)裂口。而后為了浮起又將部分甲方笨重的貨物拋入海中。乙方部分貨物遭受浸泡損失了3萬(wàn)美元，將船舶駛上淺灘以及產(chǎn)生的一連串損失共為8萬(wàn)美元，則如何分?jǐn)倱p失？（該船舶價(jià)值為100萬(wàn)美元，船上載有甲乙丙三家的貨物，分別為50萬(wàn)、33萬(wàn)、8萬(wàn)美元，待收運(yùn)費(fèi)為2萬(wàn)美元）,ChinaInsuranceClause,CIC(PICC),Marinecargoinsurance,TPND,Theft,PilferageandNon-deliveryFreshWater/RainDamageShortageIntermixtureandContaminationLeakageClashandBreakageTaintofOdourHookDamageSweatandHeatingBreakageofPackingRust,WarRiskStrikesFailuretoDeliveryImportDutyRiskOnDeckRiskRejectionRiskAflatoxin,AllRisks,WA/WPA,FPA,GeneralAdditionalRisks,SpecialAdditionalRisks,GeneralAdditionalRisks,SpecialAdditionalRisks,SpecialAdditionalRisks,ExclusionsDurationW/W,Warehousetowarehouseclause-forbasicrisks,ShippersWarehouse,Portofshippment,ConsigneesWarehouse,Portofdestination(terminate60dayslateraftercargosunloaded),Thedestinationunspecifiedinthepolicy（theresponsibilityterminateatthebeginningoftransfer）,Theperiodofclaimshallbesubjecttotheprovisionsoftherelevantinsurance,transport,orthesalescontractClaimstoinsurancecompanieswithin2yearsfromthedateofthecargounloadedfromthemeansoftransportClaimtotheshippingcompany15-60daysafterthecargoreachedthedestinationClaimtothesellerWithin60daysofreceiptofthegoods,ThemainevidencerequiredininsuranceclaimsOriginalinsurancedocumentsOriginaltransportdocumentCommercialinvoicePackingList/WeightListInspectionreport/Damage,shortageproofClaimsheet,InstituteCargoClause,ICC(InstituteofLondonUnderwriters,ILU),6kindsofrisksICC(A)-insuranceliabilityisthemostwidelyICC(B)ICC(C)IWCC,InstituteWarClause-CargoISCC,InstituteStrikesClause-CargoMaliciousDamageClause-additionalrisk,InsuranceClause&InsuranceDocument,Insuranceclause,“Insurancetobecoveredbythebuyer”“Insurancetobecoveredbythesellerfor110%oftotalinvoicevalueagainstAllRisk,WarRiskandSRCCaspertherelevantOceanCargoClauseofthePICCdatedJan.1,1981”P(pán)artiesCoverageInsuredamount-includingadditionalinsuredvalueInsurancecompanyandclauseInsurancedocumentsItshouldbestipulatethatthesellermustprovidetheinsurancedocumentstothebuyer,ifthesellerbuystheinsurance,Insurancedocuments,InsurancePolicyInsuranceCertificateOpenPolicy,BasicconceptsSubjectmatterinsuredApplicantInsurer/UnderwriterBeneficiary/TheinsuredpolicyholderCoverageInsuredvalueInsuredamountPremium14,=/(+)Premium=InsuredAPremiumRate,Calculationofinsurance,Export:InsuredAmount=CIF(CIP)(1+additional)CIF=()(+投保加成率)保險(xiǎn)費(fèi)率=+運(yùn)費(fèi)（投保加成率）保險(xiǎn)費(fèi)率Import:InsuredAmount=CIF貨值=貨值保險(xiǎn)費(fèi)率=貨值+運(yùn)費(fèi)保險(xiǎn)費(fèi)率,某批出口貨物的CPT價(jià)值是USD20000，如果按10%投保加成，投保一切險(xiǎn)，費(fèi)率為1.5，加保戰(zhàn)爭(zhēng)險(xiǎn)和罷工險(xiǎn)，費(fèi)率均為0.5問(wèn)：貨物的CIP價(jià)值是多少？保險(xiǎn)金額是多少？保險(xiǎn)費(fèi)是多少？,AbandonmentWhenthesubject-matterinsuredisinastateofconstructivetotalloss,theinsuredintheastatementtotheunderwriteriswillingtotransferalltherightsandinterestsoftheinsurancemarktotheinsurer,includingpropertyrightsandtheresultingrightsandobligations.Thentheinsurerpaycompensationtotheinsuredinaccordancewiththetotalloss.RightofSubrogationAftertheunderwriterpayingcompensationamountofthetotalorpartialloss,herequiretheinsuredtotransferitsrightswhich“hastheclaimtothirdpartywhohastheliabilityfordamagefortotalorpartialloss,inordertopreventthedoublebenefitoftheinsured.,FranchiseIOP,IrrespectiveofPercentage,Thebasicprinciplesofinsurance,TheprincipleofutmostgoodfaithTheprincipleofinsuredinterestTheprincipleofproximatecauseTheprincipleofindemnity,Thinking,我一出口商以FOB300.00/PC的價(jià)格對(duì)外出口一批貨物，然貨物在運(yùn)往裝運(yùn)港過(guò)程中遭遇了承包責(zé)任范圍內(nèi)風(fēng)險(xiǎn)致使貨物發(fā)生損失，我方遂向保險(xiǎn)公司提出索賠，保險(xiǎn)公司應(yīng)該如何處理？若請(qǐng)買方協(xié)助，由買方向保險(xiǎn)公司提出索賠，保險(xiǎn)公司又該如何處理？,保險(xiǎn)公司的賠付必須同時(shí)符合：所發(fā)生的風(fēng)險(xiǎn)是在保險(xiǎn)責(zé)任范圍之內(nèi)所遭受的損失與發(fā)生的風(fēng)險(xiǎn)之間具有直接的因果關(guān)系在保險(xiǎn)標(biāo)的遭受風(fēng)險(xiǎn)時(shí)，索賠人對(duì)其具備保險(xiǎn)利益，即貨物損失與索賠人之間存在利害關(guān)系被保險(xiǎn)貨物遭損的時(shí)間和地點(diǎn)是