1、中国大地财产保险股份有限公司渔 船 保 险 条 款一、保险财产范围本保险单所保渔船指船壳及其附属设备，包括子船、机器及附件、绞盘、通讯设备以及其他仪器、电器设备。船上渔网、渔具、燃料、渔获物、生活给养及船上所有人员的私人财产，非经被保险人另行加费投保并在保险单中列明，不在本保险财产范围以内。二、责任范围本保险分全损险和综合险。被保险渔船在保险有效期内遭受的损失，本公司按承保险别和本条款规定负责赔偿。但渔网、渔具只能加保全损险。（一） 全损险由于下列原因造成被保险渔船和加保的渔网渔具的全部损失，本公司负责赔偿：1.暴风雨、台风、雷电、流冰、地震、海啸、洪水、火山爆发、搁浅、触礁、沉没、碰撞、失火
2、、锅炉或其他设备爆炸、油管破裂等自然灾害和意外事故；2.船壳和机器的潜在缺陷；3.船长、大副、船员、引水员或修船人员的疏忽。（二） 综合险由于下列原因造成被保险渔船的全部或部分损失，本公司负责赔偿：1.暴风雨、台风、雷电、流冰、地震、海啸、洪水、火山爆发、搁浅、触礁、沉没、碰撞、失火、锅炉或其他设备爆炸、油管破裂等自然灾害和意外事故；2.船壳和机器的潜在缺陷；3.船长、大副、船员、引水员或修船人员的疏忽。由于以上原因引起的下列责任和费用，本公司也负责赔偿：1.被保险渔船的救助费用；2.被保险渔船搁浅后为检查船底所付的费用；3.被保险渔船因发生本保险单责任范围内的损失而进行修理时船上必须保留的船
3、员的工资和生活费用；4.共同海损的牺牲、分摊；5.在碰撞事故时，被保险渔船应负责赔偿的被碰撞的船舶及所载物、船坞、码头或其他固定物的损失、延迟、丧失使用和救助费用，或人身伤害、死亡、生命救助费，但以不超过被保险渔船的保险金额为限；6.为确定保险责任范围内的损失或向第三者追偿所需的费用以及为限制赔偿责任，经本公司事先同意进行抗辩、诉讼所支出的费用。三、除外责任本公司对下列损失、费用和责任，不负责赔偿：1.由于被保险渔船不具备适航条件所造成的损失；2.由于船东及其代表的疏忽、船东及其代表和船长的故意行为造成的损失；3.被保险渔船的船壳和机器的正常维修、油漆、本身磨损或锈蚀；4.被保险渔船的滞期损失
4、和其他间接费用；5.被保险渔船上任何人员的人身伤害、疾病或死亡或根据雇佣合同或劳工法应由被保险人承担的责任；6.根据法令或有关当局规定，清除或处理障碍物、残船、货物或其他物件所需的费用以及清除污染费用；7.被碰撞的船舶上任何人员的个人财产损失；8.本公司船舶战争险条款规定的承保责任和除外责任。如果被保险人加费投保战争险，本公司按船舶战争险条款负责。四、保险期限保险期限最长一年，到期可以续保。起止时间以本保险单中规定为准。本保险单到期时，如果被保险渔船尚在作业或航行中，或在遇险中，或在避难港、中途港，经被保险人事先通知本公司，按原订费率比例按月加付保险费后，本保险继续有效，直到抵达目的港为止。被
5、保险渔船若在保险期内出售或转让，被保险人应向本公司申请退保，本保险自被保险渔船出售或转让日终止。五、作业、航行区域以保险单中列明的区域为限。被保险渔船如果驶出保险单所规定的区域，应先经本公司同意，必要时本公司可以加收保险费。六、保 费1.保费在投保时一次交付，经本公司同意也可以分期交付；2.被保险人在保险期限内退保，保费按日比例计算，退还给被保险人；3.被保险渔船进船坞、船厂修理或在港口内连续停泊均超过三十天时，修理或停泊期间的保险费均按日计算，以 50%退还给被保险人。七、损失处理1.被保险人对被保险渔船应定期进行维修和保养，使之处于良好的技术状态。如发生保险责任范围内的事故，被保险人应立即
6、通知本公司，并采取一切可能的合理措施予以抢救，以减少损失。2.被保险渔船与其他船舶发生碰撞后，被保险人如与有关方面确定双方应负的责任和赔偿的金额，应事先征得本公司的同意；3.被保险人要求索赔时，应向本公司提供事故报告书、保险单、费用单证及本公司认为必要的证明文件。任何索赔要求，均应在事故发生日算起的一年之内提出，否则丧失索赔的权利；4.本公司有权拒付被保险人不合理的索赔要求；5.被保险渔船出海作业或航行超过预定六个月尚未得到它的行踪消息时即构成失踪，本公司按全损赔付，赔付后若又获得该船，被保险人应退回赔款。八、免赔额发生赔款时，本公司应扣除保险单中规定的每次事故的免赔额。但本条不适用于全损或船
7、舶搁浅后因检查船底所支付的费用。被保险人从责任方追回的金额，除扣除免赔额和被保险人应得的利息外，应全部付给本公司。追回款项应得的利息，按照本公司已付的赔款额和付款日期在本公司和被保险人之间分配。九、争议处理被保险人和本公司之间所发生的任何争议，应通过友好协商解决，如经协商达不成协议，可申请仲裁或向法院提出诉讼。除事先另有协议外，仲裁或诉讼应在被告方所在地。China Continent Property(b) Latent defects in hull and machinery;(c) Negligence of Master, Officers, Crew, Pilots or Repa
8、irers.(2) Comprehensive CoverThe Company shall be liable for total or partial loss of the fishing vessel hereby insured caused by:(a) Natural calamities and/or accidents such as rainstorm, typhoon, thunder-and-lighting, floating ice, earthquake, seaquake, flood, volcanic eruption; stranding, groundi
9、ng, sinking, collision, fire, explosion of boilers or other equipment and bursting of oil pipes;(b) Latent defects in hull and machinery;(c) Negligence of Master, Officers, Crew, Pilots or Repairers.The Company shall furhter be liable for the following liabilities and expenses arising from the foreg
10、oing events or happenings:(a) Salvage expenses for the insured fishing vessel;(b) Expenses for examining the bottom after stranding;(c) Wages and living allowances for the crew members necessarily retained whilst the insured fishing vessel is undergoing repairs to the damage falling within the scope
11、 of cover;(d) Sacrifice in or contribution to general average;(e) Indemnity assumed by the insured fishing vessel towards the loss of or damage to the other vessel in collision and the goods or other articles aboard such other vessel, dock wharf or other fixed objects, and loss of use of such other
12、vessel, dock, wharf or other fixed objects, salvage expenses and delay incurred, or personal injury, death and expenses for life salvage, but in no case shall the sum so indeminfied exceed the insured amount of the fishing vessel hereby insured;(f) Expenses for ascertaining the loss within the scope
13、 of cover or for pursuing recovery from third parties and costs for defence or for proceedings taken to limit liability with the prior consent of the Company.3. ExclusionsThe Company shall not be liable for the following losses, expenses and liabilities:(1) Loss or damage caused by unseaworthiness o
14、f the fishing vessel hereby insured;(2) Loss or damage caused by negligence of the owner of the insured fishing vessel and his representative or by the intentional act of the owner of the insured fishing vessel and his representative and Master;(3) Maintenance and overhaul, painting, wear and tear o
15、r corrosion of the hull and machinery of the fishing vessel hereby insured;(4) Demurrage of the fishing vessel hereby insured and other indirect expenses;(5) Bodily injury to or illness or death of any person aboard the fishing vessel hereby insured or liabilities assumed by the Insured under any em
16、ployment contract or Workmens Compensation Statutes;(6) Expenses for removal or disposal of obstruction, wreck, goods or any other objects pursuant to laws or statutes or to regulations issued by the authorities concerned and expenses for eliminating pollution;(7) Loss of or damage to personal prope
17、rty of any person aboard the other vessel with which the fishing vessel hereby insured collides;(8) Risks covered and excluded in the Hull War Risk Clauses of the Company. In case war risk is covered by the Insured at an additional premium, the Company will be liable subject to the Hull War Risk Cla
18、uses.4. Period of InsuranceThe longest duration of the insurance shall be one year. It may be renewed at the expiration of the Policy. The time of commencement and termination shall be subject to the stipulation in the Policy. Should at the time of expiry of the Policy the insured fishing vessel be
19、engaged in fishing operations or in navigation or in distress or at a port of refuge or of call the insuranec shall remain in force until the vessel reaches the port of its destination, provided previous notice is given by the Inusred to the Company and a pro rata monthly premium at the original rat
20、e pail. Should the insured fishing vessel be sold or transferred during the period of insurance, the Insured shall apply to the Company for cancellation of cover and the insurance shall then become terminated as from the time of sale or transfer.5. Location LimitThe location limit shall be confined
21、to that indicated in the Policy. Previous consent of the Company shall be obatined in case the fishing vessel hereby insured sails beyond the location limit stipulated in the Policy, when an additional premium will be charged by the Company if so required.6. Premium(1) The premium shall be paid in f
22、ull by one instalment at the time of application for insurance or by instalments upon agreement by the Company;(2) Where the Insured cancels the cover during the period of insurance, a premium, to be calculated pro rata daily, will be returned to the Insured;(3) Where the fishing vessel hereby insur
23、ed undergoes repairs in dock or shipyard or is laid up in port for a period exceeding thirty consecutive days, fifty percent of the premium, to be calculated pro rata daily, for the period during which the insured fishing vessel is under repairs or laid up will be returned to the Insured.7. Treatmen
24、t of Loss(1) The Insured shall cause the insured fishing vessel to undergo periodic overhaul and be well kept, so as to maintain it in good technical condition, in the event of accidents thereto which fall under the scope of cover, the Insured shall notify the Company immediately and take all possib
25、le and resonable measures to solve it so as to minimise the loss;(2) Where the fishing vessle hereby insured comes into collision with another vessle, the Insured shall obtain prior agreement of the Company when ascertaining with the party concerned the liability of both parties and the amount to be
26、 indemnified;(3) In lodging a claim, the Insured shall submit to the Company a copy of report on the accident, the Policy, accounts and vouchers for expenses incurred and all other evidences which the Company considers necessary .Any claim shall be lodged within one year counting from the date of lo
27、ss, failure which the right of claim shall be forfeited;(4) The Company shall be entitled to refuse any unreasonable claim by the Insured;(5) Where no news is received of the whereabouts of the insured fishing vessel over a period of six months after the date on which it is scheduled to complete its
28、 fishing operations or its navigation, it shall consitute an event of missing vesel. The Company shall, in such case, pay the claim on a total loss basis. Should the vessel be recovered after the claim is paid, the Insured shall return the payment to the Company.8. DeductibleIn case of claim, the Co
29、mpany shall deduct the amount of deductible stipulated in the Policy or each accident or occurrence, but this clause shall not apply to a laim for total loss or to expenses for examining the bottom after stranding.Any recovery from the responsible party shall be credited to the Company after deducti
30、on of the amount of deductible and the interest due to the Insured. The interest comprised in the recovery shall be apportioned between the Company and the Insured according to the amount(s) of the claim paid by the Company and the date (s) of such payment (s).9. Treatment of DisputesAll disputes ar
31、ising between the Insured and the Company shall be settled by friendly negotiation. In case of failure to reach an agreement, the disputes shall be submitted to arbitration or to court for legal action. Unless otherwise agreed, the arbitration or legal action shall be carried out in the place where the defendant is domiciled.
