6-chapter-6-cargo-insurance(2)

SectionOne:FundamentalPrinciplesofCargoInsurance（基本原则）SectionTwo:MarineRisks，LossesandExpense（风险、损失和费用）SectionThree:MarineInsuranceCoverage（保险险别）SectionFour:othertypesofcargoinsurance(其他货物保险种类）SectionFive:procedureofcargoinsurance（保险程序）SectionSix:InsuranceTermsintheSalesContract（合同中的保险条款）Chapter6CargoTransportationInsurancePeople’sInsuranceCompanyofChinaOceanMarineCargoClausesCICP170SectionThreeMarineInsuranceCoverageTwogroupsBasicInsuranceCoverageAdditionalInsuranceCoverage1．BasicInsuranceCoverage（基本险别）CICP1701)FreefromParticularAverage（平安险）2)WithAverage/WithParticularAverage(W.A./W.P.A.)（水渍险）3)AllRisks（一切险）4)Thefreeobligationoftheabovethreebasiccoverages（基本险别的除外责任）P174A.R.W.P.A.F.P.A.3.Totalorpartiallosscausedbyaccidentsandconsequentonfallingofentirepackageduringloading,unloadingortransshipment4.Reasonableexpensestheinsuredmakesforthesalvageofthegoodsinsured,andforavertingorminimizingthelosses5.Lossduetodischargeoftheinsuredgoodsataportofdistressfollowingaseaperilaswellasspecialchargesarisingfromloading,warehousingandforwardingofthegoodsatanintermediateportofcallorrefuge6.Sacrificeinandcontributiontosalvagecharges7.Lossdueto“BothtoBlameCollision”Clause8.PartiallosscauseddirectlybynaturalcalamitiesActualtotallossConstructivetotalloss1.Totalloss2.Partiallossduetoa.fortuitousaccidentsb.naturalcalamities,wheretheconveyancebeinggrounded,stranded,sunkorburntbeforeorafterthefortuitousaccident9.Lossordamageduetoexternalcausesincludinggeneralextraneousrisks,excludingspecialextraneousrisksandexclusionsFigure6.4BasicCoverageofC.I.C.a.naturalcalamitiesb.fortuitousaccidentsduetoA.R.W.P.A.F.P.A.3.Totalorpartiallosscausedbyaccidentsandconsequentonfallingofentirepackageduringloading,unloadingortransshipment4.Reasonableexpensestheinsuredmakesforthesalvageofthegoodsinsured,andforavertingorminimizingthelosses5.Lossduetodischargeoftheinsuredgoodsataportofdistressfollowingaseaperilaswellasspecialchargesarisingfromloading,warehousingandforwardingofthegoodsatanintermediateportofcallorrefuge6.Sacrificeinandcontributiontosalvagecharges7.Lossdueto“BothtoBlameCollision”Clause8.PartiallosscauseddirectlybynaturalcalamitiesActualtotallossConstructivetotalloss1.Totalloss2.Partiallossduetoa.fortuitousaccidentsb.naturalcalamities,wheretheconveyancebeinggrounded,stranded,sunkorburntbeforeorafterthefortuitousaccident9.Lossordamageduetoexternalcausesincludinggeneralextraneousrisks,excludingspecialextraneousrisksandexclusionsFigure6.4BasicCoverageofC.I.C.a.naturalcalamitiesb.fortuitousaccidentsduetoFPA=自然灾害造成的全部损失+意外事故造成的全部或部分损失+意外事故发生前后的自然灾害所造成的部分损失+装卸时货物落海一件或数件的损失+施救费用+共同海损+特殊费用WPA=FPA+partiallossduetonaturalcalamitiesWPA=FPA的承保范围+自然灾害造成的部分损失AR=WPA+generaladditionalinsurancecoverageAR=WPA的承保范围+一般附加险的承保范围2AdditionalInsuranceCoverage附加险别P1721)GeneralAdditionalRisks（一般附加险）2)SpecialAdditionalRisk（特殊附加险）•TPND(Theft,PilferageandNon-delivery)偷窃提货不着险•FreshWaterRainDamage淡水雨淋险•RiskofShortage短量险•RiskofIntermixtureandContamination混杂沾污险•RiskofLeakage渗漏险•RiskofClashandBreakage碰损破碎险•RiskofOdor串味险•DamagecausedbyHeatingandSweating受热受潮险•HookDamage勾损险•RiskofRust生锈险•LossforDamageCausedbyBreakageofPacking包装破裂险GeneralAdditionalInsuranceCoverage(11types)Payattentionto：Noadditionalriskcanbepurchasedtoinsuregoodsindependently.SincethescopeofcoverofgeneraladditionalrisksisalreadyincludedintothatofAllRisks,itisnotnecessaryforthegoodstobeinsuredbyadditionalrisksifitisinsuredbyAllRisks.•2)SpecialAdditionalRisk•Specialadditionalriskdiffersfromgeneraladditionriskinthattheformercoverslossordamagecausedbysomespecialextraneousreasonssuchaspolitics,law,regulationsandwar.Ontheotherhand,likegeneraladditionalrisk,specialadditionalriskscannotbeusedtoinsuregoodsaloneeither.*WarRisk战争险*StrikeRisk罢工险*Ondeckrisk舱面风险*Importdutyriskclause进口关税险*Rejectionrisk拒收险*Aflatoxinrisk黄曲霉素险*Failuretodeliveryclause交货不到险*FireRiskExtensionClauseforStorageofCargoatdestinationHongKong,includingKowloonorMacao出口货物到香港（包括九龙在内）或澳门在存仓火险责任扩张险Specialadditionalrisksinclude:(8types)罢工险（RiskofStrike,RiotsandCivilCommotions:SRCC罢工暴动民变险）•罢工险是保险人承保罢工者、被迫停工工人、参加工潮、暴动和民众、战争的人员采取行动所造成的承保货物的直接损失，对间接损失不负责，如由于劳动力短缺或无法使用劳动力,致使堆放码头的货物遭到雨淋日晒而受损、冷冻机因无燃料而中断造成的被保险货物的损失不负责赔偿。•注：已投保战争险又加保罢工险时，一般不另行收费。1）被保险人的故意行为或过失所造成的损失；2）属于发货人责任所造成的损失；3）在保险责任开始前，被保险货物已存在的品质不良或数量短少所造成的损失；4）被保险货物的自然损耗、本质缺陷、特性以及市价跌落、运输延迟所引起的损失或费用；5）属于海洋运输货物战争险和罢工险条款所规定的责任范围和除外责任。3．Exclusions三种基本险的除外责任责任起讫范围BasicInsuranceW/WClause（仓至仓条款）GeneralAdditionalRiskStrikeRisksWarRisksWaterborne(水面危险或运输工具上危险)SpecialAdditionalRisk•WarehousetoWarehouseClause(W/WClause)–FromthetimethegoodsinsuredleavethewarehousenamedinthePolicyforthecommencementofthetransit–Untiltheinsuredgoodsaredeliveredtotheconsignee’sfinalwarehouseatthedestinationnamedinthePolicy–Limitedto60daysafterthecompletionofdischargeoftheinsuredgoodsfromtheseagoingvesselatthefinalportofdischargebeforetheyreachtheabovementionedwarehouse•WarRisk–W/WClausenotsuitableforW.R.–FromthetimethegoodsinsuredloadedonboardthevesselnamedinthePolicyforthecommencementofthetransit–Untiltheinsuredgoodsareunloadedfromthenamedvesse