InternationalTradePractice

國際貿(mào)易實(shí)務(wù)

Chapter4整理課件InternationalCargoTransportationInsurance

國際貨物運(yùn)輸保險(xiǎn)

整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍PerilsandRisks

風(fēng)險(xiǎn)RisksPerilsoftheSeaNaturalCalamities:badweather,thunderandlightening,earthquake,flood,tsunami,etc.FortuitousAccidents:grounding,stranding,sunk,collision,fire,explosion,missing,etc.ExtraneousRisksGeneralExtraneousRisks:theft,breakage,leakage,contamination,etc.SpecialExtraneousRisks:militaryaffairs,war,strike,failuretodelivery,rejection,etc.整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍PerilsandRisks

風(fēng)險(xiǎn)GeneralExtraneousRisks一般外來風(fēng)險(xiǎn)Theft/Pilferage偷竊Contamination沾污Leakage滲漏Breakage破碎Sweatingand/orHeating受熱受潮TaintofOdor串味Rusting生銹HookDamage鉤損Freshand/orRainWaterDamage淡水雨淋險(xiǎn)ShortageinWeight短量Clashing碰損整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍PerilsandRisks

風(fēng)險(xiǎn)Specialextraneousrisks特殊外來風(fēng)險(xiǎn)WarRisk戰(zhàn)爭險(xiǎn)StrikesRisk罷工險(xiǎn)RejectionRisk拒收險(xiǎn)FailuretoDeliveryRisk交貨不到險(xiǎn)AflatoxinRisk黃曲霉菌險(xiǎn)OnDeckRisk艙面險(xiǎn)整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍Loss

損失MarineLossesA.TotalLossActualTotalLossConstructiveTotalLossB.PartialLossGeneralAverageParticularAverage整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍Loss

損失TotalLoss

全部損失ActualTotalLoss實(shí)際全損ConstructiveTotalLoss推定全損整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍Loss損失PartialLoss局部損失GeneralAverage共同海損ParticularAverage單獨(dú)海損ThedifferencesbetweenGAandPA整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍Charge

費(fèi)用SueandLaborCharges施救費(fèi)用Theyareextraordinaryexpensesmadeinatimeofperilbytheinsuredtoacttoavertorminimizeanylossofordamagetothesubjectmatterinsured.整理課件

4.1CoverageofMarineCargoInsurance

海上貨物運(yùn)輸保險(xiǎn)承保范圍Charge

費(fèi)用SalvageCharges救助費(fèi)用Theyareexpensesresultingfrommeasuresproperlytakenbyathirdpartyotherthantheinsured,hisagent,oranypersonemployedbythemtopreservemaritimepropertyfromperilsatsea.整理課件

4.2OceanMarineCargoClausesofCIC

我國海運(yùn)貨物保險(xiǎn)條款BasicOceanMarineCargoInsurance根本險(xiǎn)別FreefromParticularAverage(FPA〕平安險(xiǎn)FPAmeansthecompensationdoesnotcoverParticularAverage.WithAverage:WPAorWA水漬險(xiǎn)整理課件

4.2OceanMarineCargoClausesofCIC

我國海運(yùn)貨物保險(xiǎn)條款BasicOceanMarineCargoInsurance根本險(xiǎn)別WithAverage:WPAorWA水漬險(xiǎn)AsidefromtheriskscoveredunderFPAconditionsasabove,thisinsurancealsocoverspartiallossesoftheinsuredgoodscausedbynaturalcalamitiessuchasheavyweather,lightning,tsunami,earthquakeorflood(excludingFPA).整理課件

4.2OceanMarineCargoClausesofCIC

我國海運(yùn)貨物保險(xiǎn)條款BasicOceanMarineCargoInsurance根本險(xiǎn)別Allrisks:AR一切險(xiǎn)AsidefromtheriskscoveredundertheFPAandWAconditionsasabove,thisinsurancecovers11additionalrisks.Inotherwords,allrisksarethemostcomprehensivecoverageamongthethree.Exclusions三種根本險(xiǎn)的除外責(zé)任

InsuranceDuration保險(xiǎn)期限〔保險(xiǎn)責(zé)任的起訖〕整理課件

4.2OceanMarineCargoClausesofCIC

我國海運(yùn)貨物保險(xiǎn)條款A(yù)dditionalRisks

附加險(xiǎn)別GeneralAdditionalRisks共11種SpecialAdditionalRisksWarRisk戰(zhàn)爭險(xiǎn)StrikesRisk;S.R.C.C.StrikeRiotsandCivilCommotions罷工險(xiǎn)整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

Overlandtransportationinsurance陸上運(yùn)輸貨物保險(xiǎn)AccordingtoCIC,itcoversrailandroadtransportationanditisapplicableforWarehouse-to-WarehouseClauses.中國人民保險(xiǎn)公司?陸上運(yùn)輸貨物保險(xiǎn)條款?規(guī)定，責(zé)任范圍僅限于火車和汽車運(yùn)輸，也采用“倉至倉〞條款。整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

Overlandtransportationinsurance陸上運(yùn)輸貨物保險(xiǎn)CoverageofOverlandTransportationInsurance(similartoWPA)陸運(yùn)險(xiǎn)〔與水漬險(xiǎn)相似〕的承保責(zé)任范圍Duration保險(xiǎn)責(zé)任的起訖期限OverlandAdditionalRisks陸運(yùn)附加險(xiǎn)整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

AirTransportationCargoInsurance航空運(yùn)輸貨物保險(xiǎn)BasicAirTransportationCargoInsurance中國人民保險(xiǎn)公司規(guī)定的根本險(xiǎn)別CoverageofAirTransportationRisk(WPAinMarineCargoInsurance)航空運(yùn)輸險(xiǎn)〔海運(yùn)水漬險(xiǎn)〕的承保責(zé)任范圍CoverageofAirTransportationAllRisks(externalcauses)航空運(yùn)輸一切險(xiǎn)〔一般附加險(xiǎn)外來原因造成〕的承保責(zé)任范圍整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

AirTransportationCargoInsurance

航空運(yùn)輸貨物保險(xiǎn)Duration航空運(yùn)輸貨物保險(xiǎn)責(zé)任起訖ItfollowsW/Wclauses,buttheinsuranceshallbelimitedto30daysaftercompletionofdischargeoftheinsuredcargofromtheaircraftatthefinalairportofdischarge.Andifthecargoshallbetransferredtothedestinationnotindicatedintheinsurancepolicy,theinsuranceliabilityendswhentransferringbegins.整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

AirTransportationCargoInsurance

航空運(yùn)輸貨物保險(xiǎn)CoverageofAirTransportationCargoWarRisk航空運(yùn)輸貨物戰(zhàn)爭險(xiǎn)的承保責(zé)任范圍ItisonetypeofAdditionalRiskstoAirTransportationRiskbasedonAirTransportationRiskandAirTransportationAllRisks.整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

AirTransportationCargoInsurance

航空運(yùn)輸貨物保險(xiǎn)DurationofAirTransportationCargoWarRisk空運(yùn)戰(zhàn)爭險(xiǎn)的起訖責(zé)任

Itisfromchargingthecargoontheplanetodischargingfromtheplaneatthedestinationindicatedinthepolicy.從被保險(xiǎn)貨物裝上飛機(jī)開始，直到卸離保險(xiǎn)單所載明的目的地的飛機(jī)時(shí)為止。整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

ParcelPostInsurance郵包包裹保險(xiǎn)ItincludesParcelPostRiskandParcelPostAllRisksandcouldbeaddedwithoneormoretypesofadditionalriskscausedbycalamitiesandfortuitousaccidents.包括郵包險(xiǎn)和郵包一切險(xiǎn)，可加保一種或假設(shè)干種附加險(xiǎn)〔自然災(zāi)害、意外事故、外來原因〕整理課件

4.3OtherTypesofCargoInsurance

其他運(yùn)輸方式下的貨運(yùn)保險(xiǎn)

ParcelPostInsurance

郵包包裹保險(xiǎn)CoverageofParcelPostRisk

郵包險(xiǎn)的承保責(zé)任范圍CoverageofParcelPostAllRisks

郵包一切險(xiǎn)的承保責(zé)任范圍DurationofParcelPostRisk

郵政包裹運(yùn)輸險(xiǎn)的責(zé)任起訖整理課件

4.4InstituteCargoClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款

DifferentKindsofICCclauses倫敦保險(xiǎn)協(xié)會(huì)修訂的海運(yùn)貨物保險(xiǎn)條款種類InstituteCargoClausesA,ICCA協(xié)會(huì)貨物條款〔A〕InstituteCargoClausesB,ICCB協(xié)會(huì)貨物條款〔B〕InstituteCargoClausesC,ICCC協(xié)會(huì)貨物條款〔C〕InstituteWarClauses(Cargo)協(xié)會(huì)戰(zhàn)爭險(xiǎn)條款I(lǐng)nstituteStrikesClauses(Cargo)協(xié)會(huì)罷工險(xiǎn)條款MaliciousDamageClauses惡意損害險(xiǎn)條款

整理課件

4.4InstituteCargoClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款

CharacteristicsofICCClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款的特點(diǎn)Itcancelsregulationsdividedbytotallossorpartialloss;Franchiseratioisnotcalculatedwhencompensationsaremade;InsurancepolicyunderICCclausesisblankwithclearanddefinitenotesandwithoutinsuranceconditionsandremarks;Insurableinterestclauses,successivefreightclauses,valueaddedclauses,defaultclauses,lawsandpracticearenewlyaddedtoICCclauses.整理課件

4.4InstituteCargoClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款

CoverageofMarineCargoInsuranceofICC

倫敦協(xié)會(huì)貨物保險(xiǎn)條款規(guī)定保險(xiǎn)責(zé)任的方法ICCAICCBICCC整理課件

4.4InstituteCargoClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款

CoverageofMarineCargoInsuranceofICC倫敦協(xié)會(huì)貨物保險(xiǎn)條款規(guī)定保險(xiǎn)責(zé)任的方法ICCAInsuranceCoverageICC〔A〕承保的責(zé)任范圍ExclusionsICC〔A〕的除外責(zé)任GeneralExclusionsExclusionsofUnseaworthinessandUnfitnessExclusionsofWarExclusionsofStrikes整理課件

4.4InstituteCargoClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款

CoverageofMarineCargoInsuranceofICC倫敦協(xié)會(huì)貨物保險(xiǎn)條款規(guī)定保險(xiǎn)責(zé)任的方法ICCBInsuranceCoverageICC〔B〕規(guī)定保險(xiǎn)責(zé)任的方法SpecificCoverageICC〔B〕險(xiǎn)具體承保的風(fēng)險(xiǎn)ExclusionsICC〔B〕的除外責(zé)任InadditiontotheexclusionsofICCA,itshallnotcoverdeliberatedamagetoordeliberatedestructionofthesubject-matterinsuredoranypartthereofbythewrongfulactofanypersonorpersonsonlyexcludesloss,damageorexpensesattributabletowillfulmisconductoftheassured.整理課件

4.4InstituteCargoClauses

倫敦保險(xiǎn)協(xié)會(huì)海運(yùn)貨物保險(xiǎn)條款

CoverageofMarineCargoInsuranceofICC倫敦協(xié)會(huì)貨物保險(xiǎn)條款規(guī)定保險(xiǎn)責(zé)任的方法ICCCInsuranceCoverageICC〔C〕規(guī)定保險(xiǎn)責(zé)任的方法Itonlycoverslossescausedbyimportanteventsandisnotliableforunimportantaccidentsandnaturalcalamities.ExclusionsICC〔C〕的除外責(zé)任TheexclusionsofICCCarethesameasthatofICCB.整理課件

4.5InsuranceTermsinSalesContract

合同中的保險(xiǎn)條款I(lǐng)nsuranceTermsinSalesContract

進(jìn)出口合同中的保險(xiǎn)條款I(lǐng)nsurancetermsmaydifferunderdifferenttradeterms.買賣合同中的保險(xiǎn)條款，因采用不同的貿(mào)易術(shù)語而有所區(qū)別。整理課件

4.5InsuranceTermsinSalesContract

合同中的保險(xiǎn)條款I(lǐng)nsurancePracticeofChinaExportCompanies

我國外貿(mào)企業(yè)辦理貨物運(yùn)輸保險(xiǎn)的做法ExportInsurance出口貨物運(yùn)輸保險(xiǎn)――逐筆投保

waysofcalculatingtheinsurancepremiumAmountInsured保險(xiǎn)金額――投保金額AmountInsured=CIF×(1+10%)Premium保險(xiǎn)費(fèi)PremiumRate保費(fèi)率

InsurancePremium=InsuranceAmount×PremiumRate=[CIF×(1+10%)]×PremiumRate整理課件

4.5InsuranceTermsinSalesContract

合同中的保險(xiǎn)條款I(lǐng)nsurancePracticeofChinaExportCompanies

我國外貿(mào)企業(yè)辦理貨物運(yùn)輸保險(xiǎn)的做法ImportInsurance進(jìn)口貨物運(yùn)輸保險(xiǎn)Opencover進(jìn)口預(yù)約保險(xiǎn)合同Openpolicy進(jìn)口預(yù)約保險(xiǎn)保單整理課件

4.5InsuranceTermsinSalesContract

合同中的保險(xiǎn)條款I(lǐng)nsuranceDocuments

保險(xiǎn)單據(jù)Definition保險(xiǎn)單據(jù)的定義保險(xiǎn)單據(jù)是保險(xiǎn)公司在接受投保后簽發(fā)的承保憑證，是保險(xiǎn)人和被保險(xiǎn)人之間訂立的保險(xiǎn)合同，在被保險(xiǎn)貨物受到保險(xiǎn)合同責(zé)任范圍的損失時(shí)，它是被保險(xiǎn)人索賠和保險(xiǎn)人理賠的主要依據(jù)。在CIF、CIP合同中，保險(xiǎn)單據(jù)是賣方必須向買方提供的主要單據(jù)之一。保險(xiǎn)單是可以背書轉(zhuǎn)讓的。整理課件

4.5InsuranceTermsinSalesContract

合同中的保險(xiǎn)條款I(lǐng)nsuranceDocuments

保險(xiǎn)單據(jù)TypesofInsuranceDocuments

保險(xiǎn)單據(jù)的種類InsurancePolicy保險(xiǎn)單InsuranceCertificate保險(xiǎn)憑證Endorsement批單InsuranceDeclaration保險(xiǎn)通知書整理課件CasestudyCase1:OurexporterexportedaloadofcargotoaMiddle-EastcountryunderCIFtermsandcoveredWPAinadditiontoTPND,butthevesselwasdetainedasaresultoftheIran-Iraqwar.Theimporterlodgedaclaimtotheinsurancecompany.Cantheimporterbecompensated?整理課件CasestudyCase1: 我國某外貿(mào)公司按CIF條件向中東某國出口一批貨物，根據(jù)合同投保了水漬險(xiǎn)附加偷竊提貨不著險(xiǎn)〔TPND〕，但在海運(yùn)途中，因兩伊戰(zhàn)爭船被扣押進(jìn)口商應(yīng)提貨不著向保險(xiǎn)公司索賠，問是否能得到賠償？整理課件CasestudyCase1: 解析：偷竊提貨不著險(xiǎn)是指被保貨物整件被偷或從整件中竊取一局部，以致貨到目的地后收貨人提取不著整件的貨物。從本例來看，顯然不是屬于這種情況，所以保險(xiǎn)公司將不予賠償。

整理課件CasestudyCase2:

Questions:Inthepreviouscase,whichtypeofinsuranceshouldbecoveredsothattheinsuranceshallmakeindemnity?上例應(yīng)保什么險(xiǎn)，保險(xiǎn)公司方予賠償？整理課件

Casestudy

Case2:AnalysisFailuretodeliverriskshallbecovered.Failuretodeliverriskreferstotherisk,onceloadedonboardtheseagoingvessel;failtobedeliveredatthedestinationwithinsixmonthsofscheduleddateforarrivalduetowhatevercauseitmightbe.However,theinsurantshallhandleequity-transferringproceduressoastogetcompensation.整理課件

Casestudy

Case2:Analysis應(yīng)保交貨不到險(xiǎn)。因交貨不到險(xiǎn)是指從貨物裝上船開始，六個(gè)月內(nèi)不能運(yùn)到目的地，不管什么原因，保險(xiǎn)公司要按全部損失賠償。不過被保險(xiǎn)人要向保險(xiǎn)人辦理權(quán)益轉(zhuǎn)讓手續(xù)，否那么保險(xiǎn)人不予賠償。整理課件

Casestudy

Case3:Ourexporterexported1,000balesofgrayclothtoAustralia,coveringWPA100baleswerewettedasaresultofleakageofthepipeduringtransit.Shouldtheinsurancecompanymakeindemnities?我國某外貿(mào)公司向澳大利亞出口坯布1000包，投保水漬險(xiǎn)，貨在海運(yùn)途中因船艙使用水管漏水，致使該批貨中100包浸水漬，問保險(xiǎn)公司是否賠償？整理課件

Casestudy

Case3:Analysis:Theinsurancecompanyisnotliableunlessfreshwaterraindamagewascovered.

不賠，應(yīng)加保淡水雨淋險(xiǎn)。整理課件

Casestudy

Case4:Avesselcollapsedwithflowingicebergsontheseaandacrackwasfoundedononesideofthevessel.Seawaterfloodedinandpartofthecargowaswet.Thecaptainhadtocallatthenearestporttodrainoffwaterandafterwardsthrewoffsomebulkygoodsintotheseatomakethevesselfloating.Whichpartbelongstogeneralaverageandwhichbelongstoparticularaverage?整理課件

Casestudy

Case4:有一貨輪在海中與流冰相撞，船身一側(cè)裂口，海水涌進(jìn)，艙內(nèi)局部貨物遭浸泡，船長不得不將船就近駛上淺灘，進(jìn)行排水，修補(bǔ)裂口，而后為了起浮又將局部笨重貨物拋入海中，問哪些是單獨(dú)海損？哪些是共同海損？整理課件

Casestudy

Case4:Analysis:ParticularAverage:crackofthevesselandpartofthecargoundergonesoaking;GeneralAverage:thevesselshippedtothenearestportandthelossesthereafter.單獨(dú)海損：船體撞裂和局部貨物遭受浸泡。共同海損：船只駛上淺灘并由此產(chǎn)生的一系列損失。整理課件

Casestudy

Case5:Avesselwithcompartment1andcompartment2caughtafireduringthetripandcompartment1wasonfire.However,thecaptainmistakenlythoughtbothcompartmentswereonfireandorderedthecrewtoputoutthefirewithwatercannons.Lossesare:themainenginewasdamaged;(2)twolotsofgoodsincompartment1,onelotwasburneddownpartiallyandtheotherwaswaterlogging.Whichbelongstoparticularaverageandwhichbelongstogeneralaverage?整理課件

Casestudy

Case5:某貨輪在航行途中機(jī)艙發(fā)生火災(zāi)，船上甲乙兩艙，火災(zāi)蔓延到甲艙。船長誤以為甲乙兩艙都著火，命令對(duì)兩艙同時(shí)高壓水龍滅火施救，損失情況：(1)主機(jī)燒壞，(2)甲艙兩批貨，A批貨物局部被火燒毀。B批滅火時(shí)遭水浸。問：哪些是單獨(dú)海損？哪些是共同海損？整理課件

Casestudy

Case5:Analysis:ParticularAverage:themainenginewasdamagedandonelotwasburneddownpartially;GeneralAverage:theotherlotwaswaterlogging.主機(jī)燒壞甲艙A批貨單獨(dú)海損。B批貨遭水浸為共同海損。整理課件

Casestudy

Case6:Avesselwascaughtinastormduringthetripandwatercameintothecompartments,resultinginUSD6000oflosses.ThislotofgoodsvaluedatUSD18000wascoveredwithFPA.Threedayslater,thevesselcaughtafire.6000dollaroflossesshallbeindemnifiedbytheinsurancecompany?整理課件

Casestudy

Case6:一貨輪在航行途中，遇風(fēng)暴，船上貨艙進(jìn)水，一批貨投保投保平安險(xiǎn)，共18000美元，棉坯布局部遇水浸。損失6000美元左右，三天后船又遭受火災(zāi)。問該批貨6000美元損失保險(xiǎn)公司是否賠償？整理課件

Casestudy

Case6:Analysis:FPAdoesnotcovermarineriskscausedbynaturalcalamitiesbutinthiscase,naturalcalamitiescameafteraccidents.AccordingtoCICC,theinsurancecompanyshallmakecompensations.平安險(xiǎn)對(duì)自然災(zāi)害引起的單純海損不賠，但本案中在發(fā)生自然災(zāi)害之前之后又發(fā)生以外事故，根據(jù)CIC平安險(xiǎn)責(zé)任范圍第三款，保險(xiǎn)公司應(yīng)該賠償。整理課件

Casestudy

Case7:Animporterimportedabatchofchina,incaseofcollisionandbreakage,coveringallrisksadditionalwithriskofclashandbreakage.Isthisright?某公司進(jìn)口瓷器一批，為防碰撞、破碎，投保了一切險(xiǎn)另加碰撞險(xiǎn)，是否正確。整理課件

Casestudy

Case7:Analysis:

Itiswrong.Allrisksincluderiskofclashandbreakage.Soriskofclashandbreakageisredundant.錯(cuò)誤。投保一切險(xiǎn)已包含碰撞險(xiǎn)，不應(yīng)再保碰撞險(xiǎn)。整理課件

Casestudy

Case8:Ourexporter