1、11/1/09INSTITUTE CARGO CLAUSES (A)RISKS COVERED2009 年 1 月 1 日协会货物条款（A）承保风险Risks1. This insurance covers all risks of loss of or damage to the subject-matter insured except as excluded by the provisions of Clauses 4, 5, 6 and 7 below.风险1. 风险（Risks）本保险承保除了下述第 4、5、6 和 7 条规定的除外责任以外的保险标的的灭失或损害的一切风险。Gener
2、al Average2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of carriage and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 belo
3、w.2.共同海损（General Average）本保险承保根据运输合同及/或适用法律和惯例理算或确定的，为避免或与避免任何原因导致的有关引起共同海损和救助费用的损失，但不包括以下第4、5、6 和 7 条的除外责任。“Both to Blame Collision Clause“3. This insurance indemnifies the Assured, in respect of any risk insured herein, against liability incurred under any Both to Blame Collision Clause in the con
4、tract of carriage. In the event of any claim by carriers under the said Clause, the Assured agree to notify the Insurers who shall have the right, at their own cost and expense, to defend the Assured against such claim.3.“船舶互有责任碰撞条款” （ “Both to Blame Collision Clause“）本保险赔偿被保险人根据运输契约的船舶互有责任碰撞条款 ，由被保
5、险人就承保风险应承担的责任。在上述条款下若承运人向被保险人提起索赔 ，被保险人同意通知保险人 ，保险人有权自负费用为被保险人就此项索赔抗辩。EXCLUSIONS除外责任4. In no case shall this insurance cover4. 在任何情况下，本保险不承保：4.1 loss damage or expense attributable to wilful misconduct of the Assured4.1 可归因于被保险人的恶意行为引起的灭失、损害或费用；4.2 ordinary leakage, ordinary loss in weight or volume
6、, or ordinary wear and tear of the subject-matter insured4.2 保险标的的自然渗漏、重量或容量的自然损耗或自然磨损；4.3 loss damage or expense caused by insufficiency or unsuitability of 2packing or preparation of the subject-matter insured to withstand the ordinary incidents of the insured transit where such packing or prepara
7、tion is carried out by the Assured or their employees or prior to the attachment of this insurance (for the purpose of these Clauses “packing“ shall be deemed to include stowage in a container and “employees“ shall not include independent contractors)4.3 由于保险标的的包装或配装不足或不当引起的无法承受运输途中发生的通常的事故而产生的灭失、损害
8、或费用，此种情况适用于：该包装或配装是由被保险人或其受雇人员完成的，或该包装或配装是在本保险责任开始前完成的。( 本条所称的“ 包装” ，包括集装箱内的积载 ；本条所称的“雇员”，不包括独立合同人。)4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured4.4 保险标的的固有缺陷或特性导致的灭失损害或费用；4.5 loss damage or expense caused by delay, even though the delay be caused by a ri
9、sk insured against(except expenses payable under Clause 2 above)4.5迟延引起的灭失损害或费用，即使该迟延由于承保风险所引起( 上述第 2 条可以赔付的费用除外) 。4.6 loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel where, at the time of loading of the subject-matter ins
10、ured on board the vessel, the Assured are aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the voyage.This exclusion shall not apply where the contract of insurance has been assigned to the party claiming
11、hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract.4.6 因 船 舶所 有人 、 经 理 人 、 租 船 人 或 经 营 人 破 产 或 不 履 行 债 务 导 致 的 灭 失 损害 或 费 用 。 此 情 况 适 用 于 ， 在 保 险 标 的 装上 船舶 之时 ， 被保 险 人 知 道 或 被保 险 人 在 正 常 业 务经 营中 应当 知道 ， 此种 破产或不 履 行 债 务 会 导 致 该 航 程被取消 。本条除 外条 款
12、 不 适 用 于 ， 当 保 险 合 同 已 经 转 让 给 另 一 方 ， 即 另一 方已经善 意 购 买 或 同 意 购 买 保险标的 且受 保 险合 同 约 束 。4.7 loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.4.7
13、 因使用任何原子或核子裂变和 ( 或) 聚变或其他类似反应或放射性力量或物质的武器或设备直接或间接导致的灭失损害或费用。5. 5.1 In no case shall this insurance cover loss damage or expense arising 3from5.5.1 本保险在任何情况下均不承保因下述原因所致的灭失损害或费用：5.1.1 unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject-matter insured
14、, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein5.1.1被 保 险 人 在 保 险 标 的 装 船 时 已 经 知 道 船 舶 或 驳 船 的 不 适航 ， 及 船 舶 或 驳 船 不适 合 安 全 运 输 保 险 标 的 。5.1.2 unfitness of container or conveyance for the safe carriage of the subject-matter
15、 insured, where loading therein or thereon is carried out prior to attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading.5.1.2在 本 保 险 合 同生 效前，装载已开始或已完成，或被 保 险人 或其受 雇 人 在 装 载时 已 经 知 道 集 装 箱 或 运 输 工具 不适合 安全 运输 保险标 的。5.2 Exclusion
16、5.1.1 above shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract.5 . 2 上 述 5 . 1.1 所 述的 除外 条款不 适用 于 : 当 保险 合同已 经善 意 转 让 给 另 一 方 ,即 另 一 方 已 经 购 买 或同 意 购 买 保 险
17、 标 的且受合同约束。5.3 The Insurers waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination.5.3 保 险 人 放 弃 运 载 保 险 标 的 至 目 的 地 的 船 舶 违 反 适 航 和 船 舶 适 货 的 任 何 默 示 保 证 。6. In no case shall this insurance cover loss damage
18、 or expense caused by6.本保险在任何情况下均不承保因下述原因所致的灭失损害或费用：6.1 war ，civil war， revolution， rebellion ，insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power；6.1 战争、内战、革命、叛乱、暴乱，或由此引起的内乱，或来自交战方或针对交战方的任何敌对行为。6.2 capture， seizure， arrest， restraint， or detainment
19、(piracy excepted), and the consequences thereof or any attempt thereat；6.2 捕获、扣押、扣留、管制或拘押（海盗除外），以及由此引起的后果或任何企图、威胁。6.3 derelict mines， torpedoes ，bombs or other derelict weapons of war.6.3 丢弃的水雷、鱼雷、炸弹或其他被遗弃的战争武器。7. In no case shall this insurance cover loss damage or expense7. 本保险在任何情况下均不承保下述灭失、损害或费用
20、：47.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions7.1 由罢工者、被迫停工工 人或 参与 工潮、暴 动或民众骚乱人员引起的；7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions7.2 由罢工 、 被迫 停工 、 工潮 、 暴动 或民众骚乱结 果 引 起 的 ；7.3 caused by any
21、 act of terrorism being an act of any person acting on behalf of, or in connection with, any organization which carries out activities directed towards the overthrowing or influencing, by force orviolence, of any government whether or not legally constituted7.3由任何恐 怖 主义行 为 ， 或 与 恐 怖 主 义 行 为 相 联 系 ，
22、任 何 组织通过 暴力 直接 实 施 的 旨 在 推 翻 或 影 响 法 律 上 承 认 的或非法 律上 承认 的政府 的行 为引起的；7.4 caused by any person acting from a political, ideological or religious motive.7.4 由任何 人出 于政治、信 仰或宗 教目 的实 施的行 为 引 起 的 。DURATION保险期间Transit Clause运输条款8. 8.1 Subject to Clause 11 below, this insurance attaches from the time the sub
23、ject-matter insured is first moved in the warehouse or at the place of storage (at the place named in the contract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of tra
24、nsit and terminates either8.1依据下述第 11条的规定，本保险的责任自保险标的为了开始运输立即搬运至运输车辆或其他运输工具的目的，在仓库或储存处所（本保险合同载明的地点）开始搬移时生效，包括正常运输过程，直至运到下述地点时终止：8.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at the final warehouse or place of storage at the destination named in the contract of
25、insurance,8.1.1在 本保 险 合 同 载 明 的 目 的 地 最 后 仓 库 或 储 存 处所 ， 从 运输 车辆或 其他运输 工具完 成卸 货 ；8.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at any other warehouse or place of storage, whether prior to or at the destination named in the contract of insurance, which the Assur
26、ed or their employees elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, or8.1.2 在 本保 险 合 同 载 明 的 目 的 地 任 何 其 他 仓 库 或 储存 处所 ， 或 在中途 任 何5其 他 仓 库 或 储 存 处 所 ， 从 运 输 车辆 或其 他运 输工 具完成 卸货 ， 上述 任 何 其 他仓 库 或 储 存处 所是 由被 保险 人或其受 雇 人 选 择 用 作 在 正 常 运 送
27、 过程之外 的储 存货 物 ， 或 分配 货物 ， 或分 派货物 ，或8.1.3 when the Assured or their employees elect to use any carrying vehicle or other conveyance or any container for storage other than in the ordinary course of transit or8.1.3 被保险人或其受雇人在正常运输过程之外选择任何运输车辆或其它运输工具或任何集装箱储存货物 ，或8.1.4 on the expiry of 60 days after comp
28、letion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge,whichever shall first occur.8.1.4 自 保险 标的在 最后 卸货 港卸离 海轮 满 60 天为 止 。 上述情 况以 先发 生者为 准 。8.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to
29、 termination of this insurance, the subject-matter insured is to be forwarded to a destination other than that to which it is insured, this insurance, whilst remaining subject to termination as provided in Clauses 8.1.1 to 8.1.4, shall not extend beyond the time the subject-matter insured is first m
30、oved for the purpose of the commencement of transit to such other destination.8.2 如果 保险 标 的 在 最 后 卸 货 港 卸 离 海 轮 后 , 但 本 保险责任 终止 前 , 需 被 转运 至 非 保 单 载 明 的 其 他 目 的 地时 ,本 保险 在依 然受条 款 8 . 1 . 1 至 8 . 1 . 4 有 关 终 止 规定所制 约的 同时 ,截止 于该 项保险 标的 为 开始 向 该 其 他 目 的 地 转运而开始搬移之 时 ；8.3 This insurance shall remain in
31、force (subject to termination as provided for in Clauses 8.1.1 to 8.1.4 above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a
32、liberty granted to carriers under the contract of carriage.8.3 在 被 保险 人 无 法 控 制 的 任 何 运 输 迟 延 、 任 何 绕 航、 被 迫卸 货 、 重新装 载 、转 运 以 及 承 运 人 运 用 运 输 合 同 授予 的权 力所 作的 任何航 海上 的变 更 的 情 况 下 ， 本 保 险 单 仍 然 继续 有效 ( 但需 要受 上述 条款 8 . 1 . 1 至 8 . 1 . 4 有 关 终止的规 定和 下述 条款 9 的规 定制 约 ) 。Termination of Contract of Carriag
33、e运输合同终止9. If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before unloading of the subject-matter insured as provided for in Clause 8 above, 6th
34、en this insurance shall also terminate unless prompt notice is given to the Insurers and continuation of cover is requested when this insurance shall remain in force, subject to an additional premium if required by the Insurers, either9. 如果因被保险人不能控制的情况，运输合同在保险单载明的目的地以外的港口或地点终止，或运输在保险标的按照上述第8条规定卸载前而终
35、止，则本保险也将终止，除非被保险人于获悉后立即通知保险人，请求延长保险责任期间，并在必要时加缴保险费，保险责任在下列情况下继续有效：9.1 until the subject-matter insured is sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter insured at such port or place, whichever shall fi
36、rst occur, or9.1 直至保险标的在该港口或地点出售为止，或除非另有约定，在保险标的抵达该港口或地点后满60天为止，两者以先发生者为准，或9.2 if the subject-matter insured is forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named in the contract of insurance or to any other destination, until terminated in accorda
37、nce with the provisions of Clause 8 above.9.2 若保险标的在上述 60天（或任何约定的延长期限）内，继续运往保险合同载明的目的地或任何其他目的地，则保险责任仍按上述第8条的规定终止。Change of Voyage航程变更10. 10.1 Where, after attachment of this insurance, the destination is changed by the Assured, this must be notified promptly to Insurers for rates and terms to be agr
38、eed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable market terms.10.1 当 本保险 责任 开始后 , 被 保 险 人 变 更 目 的 地 , 必 须 立即 通知 保险 人 ,并 另行 商定 保险费 率 和 条 件 。 在 此 费 率和条件 达成 一致 前 ,若 发 生
39、保 险 事 故 , 只 有在 保 险 费 率 和保 险条 件符 合合 理的商业市 场行 情情 况 下 ,则 本 保 险 仍 然有效 。10.2 Where the subject-matter insured commences the transit contemplated by this insurance (in accordance with Clause 8.1), but, without the knowledge of the Assured or their employees the ship sails for another destination, this ins
40、urance will nevertheless be deemed to have attached at commencement of such transit.10.2 当 保险标 的按 照本 保 险 合 同 的 航 程 规 定 开 始 航 行时 ( 与 条款 8 . 1 相 一致 ) ,被保险人 或 其 受 雇 人 对 该 船 舶 驶向 另一 目的 地不 知情 ,则本保险 仍 然 被 视 为 是 在本保险 合同 规定 的航程 开始 时生 效 。CLAIMS索赔7Insurable Interest可保利益11. 11.1 In order to recover under this
41、insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.11.1 在保险标的发生损失时，被保险人必须对保险标的具有可保利益，才能获得本保险的赔偿。11.2 Subject to Clause 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance,
42、 notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Insurers werenot.11.2 被保险人有权按照上述第11.1款的规定，对本保险期间内发生的承保范围内的损失获得赔偿，即使损失发生在本保险合同订立之前，但在保险合同订立时被保险人已经知道损失发生，而保险人并不知晓者除外。Forwarding Charges续运费12.Where, as a result of
43、the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter insured is covered under this insurance, the Insurers will reimburse the Assured for any extra charges properly and reasonably incurred in unloading sto
44、ring and forwarding the subject-matter insured to the destination to which it is insured.12. 若由于本保险承保的风险，致使承保的运输在保险标的依据本保险承保的以外的港口或地点终止，保险人将补偿被保险人因卸货、存仓和续运保险标的至保险单所载明的目的地而适当与合理发生的额外费用。This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions conta
45、ined in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their employees.本条不适用共同海损和救助费，须受上述第4、5、6和7条所包含的除外责任的约束，但不包括因被保险人或其雇员的过失、疏忽、破产或不履行债务而引起的费用。Constructive Total Loss推定全损13.No claim for Constructive Tot
46、al Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter insured to the destination to which it is insure
47、d would exceed its value on arrival.13. 本保险不负推定全损责任，除非保险标的的实际全损看起来不可避免，或8恢复、修复和续运保险标的至保险目的地的费用将超过其抵达时保险标的本身的价值，经对保险标的合理委付的情况下，可按推定全损赔偿。Increased Value增值14. 14.1 If any Increased Value insurance is effected by the Assured on the subject-matter insured under this insurance the agreed value of the subj
48、ect-matter insured shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured.In the e
49、vent of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances.14.1若被保险人对保险标的办理了增值保险，则保险标的的约定价值应视为增加至本保险和承保灭失的所有增值保险的保险金额的总和，本保险项下的责任将按承保金额占此种保险金额的总和的比例计算。若被保险人提出索赔，则应向保险人提供所有其他保险的所保金额的证据。14.2 Where this insurance is on Increased Value the follow
50、ing clause shall apply:The agreed value of the subject-matter insured shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the subject-matter insured by the Assured, and liability under this insurance
