1、International Cargo Transportation Insurance,PartiesMarine Insurance Procedures,Parities,InsurerInsuredInsurance BrokerClaimant,Types of Risks,Perils of the Sea,Extraneous Risks,Natural Calamity,Fortuitous Accident,General Extraneous Risks,Special Extraneous Risks,Types of Losses,Total Loss,Partial
2、Loss,Actual Total Loss,Constructive Total Loss,General Average,Particular Average,Expenses,Sue and labor expenses,Salvage charges,Transportation insurance not only insures the losses caused by risks but also the losses of expenses.,Scope of Insurance Coverage (CIC),FPA (Free from Particular Average)
3、 平安险WPA (With Particular Average) 水渍险All Risks 一切险Additional Coverage: (General and Special),Commencement and Termination of Insurance,Basic Insurance,W / W Clause,（仓至仓条款）,General Additional Risk,Strike Risks,War Risks,水面危险或运 输工具上危险,Special Additional Risk,The newly revised London Insurance Institut
4、e Cargo Clauses in 1982 include 6 kinds: 1、 ICC（A）2、 ICC（B）3、 ICC（C）4、 Institute War Clause-Cargo 5、 Institute Strike Clause-Cargo 6、 Malicious Damage Clause,协会货物保险条款（Institute Cargo Clause，ICC）,Institute Cargo Clauses,Basic Risk,Additional Risk,ICC（C）,ICC（B）,ICC（A）,F.P.A.,W.P.A.,A.R.,Insurance Amou
5、nt,Insured Amount (CIF +10%)? 10%Insurance Premium,Introduction of the insurancecoverage of marine cargo transport,Basic risks,additional risks,responsibilitiesand time limitof insurance,the exclusion ofbasic coverage,F.P.A,W.P.A,All risks,Generaladditional risks,Special additional risks,Actual Tota
6、l Loss,Cargo has been totally lost or has been damaged to the extent that it has lost its original usage. 实际全损是被保险人对于保险标的的可保利益发生全部毁损的情况，与推定全损相对应,是指货物全部灭失或全部变质而失去原有用途，不再有任何商业价值,即货物的全部损失已经发生或者不可避免。,Constructive Total Loss,Cargo is not totally lost, but the actual total loss shall be unavoidable or the
7、 restoration fees together with other miscellaneous expenses will exceed the anticipated amount of profit when cargo is delivered to the destination as arranged originally.,推定全损：指实际全损已不可避免，或受损货物残值，如果加上施救、整理、修复、续运至目的地的费用之和超过其抵达目的地的价值时，视为已经全损。“实际全损”的对称。保险标的受损后并未完全丧失，是可以修复或可以收回的，但所花的费用将超过获救后保险标的的价值，因此得
8、不偿失。在此情况下，保险公司放弃努力，给予被保险人以保险金额的全部赔偿即为推定全损。,General Average,A partial & deliberate sacrifice of the ship, freight, or cargo, or additional expenses incurred to rescue a ship and its cargo from impeding danger or for the common safety of the adventure under a peril of the sea or some other hazards.,在同
9、一海上航程中，当船舶、货物和其它财产遭遇共同危险时，为了共同安全，有意地、合理地采取措施所直接造成的特殊牺牲、支付的特殊费用，由各受益方按比例分摊的法律制度。 共同海损的成立应具备一定的条件: 海上危险必须是共同的、真实的 共同海损的措施必须是有意的、合理的、有效的 共同海损的损失必须是特殊的、异常的，并由共损措施直接造成 只有那些确实属于共同海损的损失才由获益各方分摊,Particular Average,a partial loss of the subject matter insured caused directly by a peril insured against No oth
10、er cargo sacrificed to save the voyage The owner who suffered the damage refer to the insurance company provided his policy covers the specific loss.,单独海损与共同海损相对应，是指保险标的物在海上遭受承保范围内的风险所造成的部分灭失或损害，即指除共同海损以外的部分损失。这种损失只能由标的物所有人单独负担。 单独海损并非为了大家的共同利益而作出的牺牲，而是因自然灾害或意外事故等其他原因直接造成的船舶或货物的损失。,偷窃提货不着险（Theft,Pil
11、ferage and Non-delivery: TPND） 淡水雨淋险（Fresh Water and Rain Damage） 渗漏险（Risk of Leakage）短量险（Risk of Shortage） 钩损险（Hook Damage） 污染险（Risk of Contamination） 碰损破碎险（Risk of Clash and Breakage） 生锈险（Risk of Rust） 串味险（Risk of Odour） 受潮受热险（Damage Caused by Heating and Sweating),General Extraneous Risks,Special
12、 Extraneous Risks,*War Risk *Strike Risk *On deck risk *Import duty risk *Rejection risk *Aflatoxin risk *Failure to delivery *Fire Risk Extension Clause for Storage of Cargo at destination HongKong, including Kowloon or Macao,Insurance Documents,1. Insurance Policy 2. Insurance Certificate 3. Combined Certificate 4. Endorsement 5. Open Policy,
