1997年3月1日協(xié)會船舶抵押權(quán)人利益保險條款(中英文對照)

1、  Institute MortgageesInterest Clauses _Hulls   1997年3月1日協(xié)會船舶抵押權(quán)人利益保險條款  This insurance is subject to English law and practice.   本保險受英國法律和慣例制約A. RECITALWhereas the Assured has entered into a load agreement commensurate with which the Assured holds certain col

2、lateral security including a first mortgage on the Mortgaged Vessel and endorsements of its interests on the OwnersPolicies and Club Entries.Now it is agreed as follows:鑒于被保險人已經(jīng)與被抵押船舶的船東簽署了貸款協(xié)議并持有與該貸款協(xié)議相對應(yīng)的包括針對被抵押船舶的第一順位抵押權(quán)以及在船東船舶保險保單、船舶保賠保險保單中的抵押權(quán)批單等在內(nèi)的抵押擔(dān)保,保險人與被保險人現(xiàn)就下列條款協(xié)商達(dá)成一致意見：1 INSURING CLAUSE

3、1.1 This insurance will indemnify the Assured for loss resulting from loss of or damage to or liability of the Mortgaged Vessel which, in the absence of an Insured Peril set out in Clause 2. 1 below, would prima facie be covered by the OwnerPolicies and Club Entries, and not excluded therein, but in

4、 respect of which there is subsequent non-payment (or reduced payment which is approved in advance by the Underwriters hereon) by any of the underwriters of OwnersPolicies and Club Entries as a result of any Insured Peril, provided always that such Insured peril occurs or exists without the privity

5、of the Assured.1.2 The indemnity payable hereunder shall be1.2.1 the amount of the Assureds Net Loss and any amounts recoverable under Clause 6 herein, collectively not exceeding the Sum Insured on the Mortgaged Vessel, or 1.2.2 the amount of the unrecoverable claim or part thereof under any of the

6、Owners Policies and Club Entries， whichever is the lesser amount. 1.3 All the above is subject to the Definitions, Exclusions, Warranties and Conditions below. 第1條 承保條款1.1本保險將賠償被保險人因抵押船舶的滅失、損害或責(zé)任引起的損失。在不存在本抵押權(quán)人利益保險第2.1條規(guī)定的情況下，該損失應(yīng)當(dāng)是由船東的保險單推薦精選（H&M、HI、FI、War Risk）及互保協(xié)會的入會證書（P&I）承保且未被除外責(zé)任所排除的，

7、但在隨后的船東保險和保賠保險理賠中由于發(fā)生了或存在著本抵押權(quán)人保險所承保的危險而被船東保險和保賠保險的保險人拒賠（或經(jīng)船東保險和保賠保險保險人同意后進行減額賠付)。本保險賠償被保險人該種損失的前提是被保險人對于本保險所承保危險的發(fā)生或存在并不知情。1.2下述應(yīng)付賠償款應(yīng)當(dāng)：1.2.1 是被保險人的凈損失額及根據(jù)下述第6條可獲賠償?shù)娜魏螖?shù)額之和，累加不得超過被抵押船舶的保險金額，或者1.2.2是根據(jù)船東保險和保賠保險不可獲賠的索賠金額或任何部分，以1.2.1和1.2.2兩者中的金額較少者為準(zhǔn)。1.3 上述所有的規(guī)定，均受下述定義、除外、保證和條件制約。2 DEFINITIONS2.1 Insur

8、ed Perils 2.1.1 Avoidance of the Owners Policies and Club Entries or any of them by the underwriters thereof on the grounds of a misrepresentation or non-disclosure of any material circumstance, whether such misrepresentation or non-disclosure arises from the assured thereunder or any of such assure

9、ds insurance agents or insurance brokers. 2.1.2 Breach of any statutory provision or any express or implied promissory warranty or condition, including without limitation 2.1.2.1 breach of any implied warranty of seaworthiness or legality, 2.1.2.2 breach of section 39(5) of the Marine Insurance Act

10、of 1906, 2.1.2.3 breach of trading warranties contained in any of the Owners Policies and Club Entries, 2.1.2.4 breach of any warranty or condition in any of the Owners Policies and Club Entries in respect of the classification of the Mortgaged Vessel by the Classification Society or any failure to

11、comply with the recommendations of such Society to the extent required by such warranty or condition 2.1.2.5 breach of any warranty or condition in any of the Owners Policies and Club Entries which requires compliance with any condition survey, structural survey or P&I Club survey requirements a

12、nd pursuant to which clauses underwriters deny a claim,2.1.2.6 breach of any warranty or condition in any of the Owners Policies and Club Entries in respect of the ownership, flag, management or charter on a bareboat basis of the Mortgaged Vessel, 2.1.3 failure by the assured under the hull and mach

13、inery policy or the owners, managers or superintendents of the vessel or any of their onshore management to exercise due diligence in respect of any loss or damage to the Mortgaged Vessel where such failure to exercise due diligence entitles the underwriters of the owners hull and machinery policy t

14、o deny a claim otherwise recoverable thereunder, 2.1.4 any deliberate or fraudulent casting away of or damage to the Mortgage推薦精選d Vessel, 2.1.5 avoidance of a claim under any of the Owners Policies and Club Entries or any of the Owners Policies and Club Entries by reason of breach of the duty of go

15、od faith in respect of such claim, or 2.1.6 the operations of any applicable provision in any of the Owners Policies and Club Entries which provides for a time limitation on the presentation of claims, 2.1.7 in the event of the total loss of the Mortgaged Vessel, the final judgment or award of the c

16、ourts or arbitration tribunal agreed to have jurisdiction under the express terms of Owners Policies and Club Entries (or in the event of there being no such express terms the competent court) following a contested hearing whereby the Owners claim is not recoverable under either Owners hull and mach

17、inery or war risks policies on the ground that the loss has not been proved to have been proximately caused by a peril insured under those policies and is not otherwise excluded from payment by an exclusion or other provision therein. 2 定義2.1 承保的危險2.1.1船東保險和保賠保險或其中任何保險的保險人以誤述或未告知重要情況為由拒絕船東保險和保賠保險或其中

18、任何保險下的賠付，無論該誤述或未告知是由下述被保險人還是由其保險代理人或保險經(jīng)紀(jì)人造成的。2.1.2 違反任何法律規(guī)定或任何明示的、默示的承諾保證、條件，包括但不限于：2.1.2.1 違反任何適航性或合法性的暗示保證，2.1.2.2 違反1906年海上保險法第39（5）節(jié)的規(guī)定，2.1.2.3 違反船東保險或保賠保險中的貿(mào)易保證，2.1.2.4 違反船東保險或保賠保險關(guān)于船級社對于抵押船舶維持船級的任何保證或條件要求，或者未能遵守船東保險或保賠保險中任何保證或條件要求的船級社提出的改進建議，2.1.2.5違反船東保險或保賠保險中要求遵守的、一旦未遵守保險人根據(jù)條款規(guī)定可以拒絕賠付的條件檢驗、結(jié)

19、構(gòu)檢驗等各類檢驗的任何保證或條件，2.1.2.6 違反船東保險或保賠保險中關(guān)于船舶所有權(quán)、船旗、被抵押船舶光船租賃模式下的租賃與管理等方面的任何保證或條件，2.1.3 船殼機器保險下的被保險人或船舶所有人、管理人、監(jiān)管人或者他們的陸上管理層的未能恪盡職責(zé)，該種未能恪盡職責(zé)導(dǎo)致被抵押船舶發(fā)生損壞或損失，并使得船殼機器險下的保險人有權(quán)拒絕下述可獲賠付以外的任何賠償，2.1.4被抵押船舶被蓄意性的或欺騙性的拋棄或損壞，2.1.5保險人以違反最大誠信原則為由拒絕的船東保險或保賠保險下的索賠。推薦精選2.1.6船東保險或保賠保險中的保險人使用索賠時限規(guī)定（拒賠或減額賠付），2.1.7 如果被抵押船舶發(fā)生

20、全損，該種全損不能被證明是由船殼機器險或戰(zhàn)爭險所承保的危險造成的，也不能被證明是由船殼機器險或戰(zhàn)爭險的除外條款或其他規(guī)定排除的危險造成的，根據(jù)船東保險或保賠保險明確約定的有管轄權(quán)的法院或仲裁委員會（如沒有明確約定則由相應(yīng)的主管法院管轄）在審理后作出的最終判決或裁決，船東不能就船殼機器險或戰(zhàn)爭險下的索賠獲得賠償。2.2 OwnersPolicies and Club Entries means hull and machinery policies on terms equivalent to or wider than the current Institution Time Clauses,

21、 Hulls or American Institute Hull Clauses, (if taken, increased value policies on terms equivalent to Institute Time ClausesHull Disbursements and Increased Value (Total Loss Only and Excess Liabilities) or American Institute Increased Value and Excess Liabilities Clauses), War risks on terms equiva

22、lent to current Institute War and Strikes Clauses HullsTime and full protection and indemnity risks on conditions equivalent to the rules of a P&I Club that is a member of the International Group of P&I Associations.2.2 船東保險和保賠保險，是指與現(xiàn)行協(xié)會船舶定期保險條款或美國協(xié)會船舶保險條款等同或比其更寬泛的船殼機器保險（如果采用現(xiàn)行協(xié)會船舶定期保險條款或美國協(xié)

23、會船舶保險條款，則增值保險采用等同于協(xié)會船舶營運費用和增值定期保險（僅適用于全損及超額責(zé)任）的條款或美國協(xié)會增值和超額責(zé)任保險條款），與現(xiàn)行協(xié)會船舶戰(zhàn)爭與罷工保險條款等同的戰(zhàn)爭險，以及與國際保賠協(xié)會集團某一成員的保賠保險規(guī)則等同的保賠保險。 2.3 Net Loss means the Assureds loss under the loan agreement to the extent secured by mortgage on the Mortgaged Vessel net of any amounts recovered or recoverable under all secur

24、ity arrangements contained in or collateral to the loan including but not limited to all mortgages (whether on vessels insured hereunder or on other vessels), liens, any floating and fixed charges, security interests, guarantees, insurance policies and pledges. 2.3 凈損失，是指被保險人在貸款合同下，在以抵押船舶作為抵押擔(dān)保的范圍內(nèi)，

25、扣除“根據(jù)包含在或附屬于該貸款的包括但不限于抵押（無論是下文中已被抵押的被保險船舶，還是其他已被抵押的船舶）、留置、任何浮動抵押或固定抵押、擔(dān)保權(quán)益、保函保證、保險和質(zhì)押等在內(nèi)的所有擔(dān)保安排已獲得或可獲得的任何金額”后的（剩余貸款金額）損失。2.4 Mortgaged Vessel means the vessel mortgaged to the Assured which is listen on the schedule attached hereto. 2.4 被抵押船舶，是指已抵押給本保險附表上列明的被保險人的船舶。   3. EXCLUSION In no ca

26、se shall this policy cover: 3.1 any loss or expense arising from or as a result of 3.1.1 the relevant Owners Policies and Club Entries,having been terminated or cancelled or cover suspended or non-payment of claims by the underwriters or insurance brokers thereof due to non-p推薦精選ayment of premiums o

27、r calls.3.1.2 Insolvency or financial default of any of the underwriters of the Owners Policies and Club Entries, 3.1.3 inability of any party to transmit funds, 3.1.4 any fluctuation in exchange rates, 3.1.5 the operation of any franchise deductible or provision for self-insurance,   3.2

28、loss or damage directly or indirectly caused by or contributed to by or arising from: 3.2.1 ionising radiation from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from combustion of nuclear fuel, 3.2.2 the radioactive, toxic, explosive or other hazardous or cont

29、amination properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereos, 3.2.3 any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.   3.除外 在任何情況下，本保險均不承保：  3.1 由于下述原因引起的

30、任何損失或費用： 3.1.1 由于未支付保險費或保賠保險費(calls互助會員會費，指保賠保險保費)，相關(guān)的船東保險和保賠保險已經(jīng)被保險人或保險經(jīng)紀(jì)人終止、取消、中止或拒絕賠付，3.1.2 船東保險或保賠保險的保險人破產(chǎn)或發(fā)生財務(wù)危機，3.1.3 任何當(dāng)事方無能力進行資金轉(zhuǎn)賬，3.1.4 匯率波動， 3.1.5 任何起作用的相對免賠額或自保額規(guī)定，  3.2 由于下列原因直接或間接引起的或造成的滅失或損害：3.2.1 由于任何核燃料或核廢料或核燃料燃燒引起的電離輻射或放射性污染，3.2.2 任何核裝置、反應(yīng)堆或其他核設(shè)施或核組件的放射性、有毒性、爆炸性或其他有危害性的或污染

31、性的財產(chǎn)，3.2.3 使用原子或核裂變和/或聚變或其他相似反應(yīng)或放射性力量或物質(zhì)的任何戰(zhàn)爭武器。  4 WARRANTIES It is warranted in respect of the Mortgaged Vessel that: 4.1 Owners Policies and Club Entries have been taken out and, except as a result of the occurrence or existence of an Insured Peril without the privity of the Assured, sh

32、all be maintained throughout the currency of this insurance for an insured value and limit of liability not less than the amount insured hereunder or the amount of the outstanding loan to the extent secured by the Mortgaged Vessel, 推薦精選4.2 Each of the Owners Policies and Club Entries endorsed to the

33、 extent of the Assureds interest, and 4.3 The Assured has procured and registered a valid first mortgage. 4 保證   關(guān)于被抵押船舶，茲保證如下：  4.1 船東保險和保賠保險已經(jīng)獲得，并且除非發(fā)生或存在著本保單下被保險人并不知情的承保危險，在本保險整個期間，船東保險和保賠保險應(yīng)當(dāng)保持其保險價值和責(zé)任限額不低于本保險的保險金額或被抵押船舶擔(dān)保的應(yīng)還貸款金額， 4.2 每份船東保險和保賠保險均應(yīng)批注本保險下被保險人利益（抵押權(quán)人利益）， 4.3 本保

34、單下的被保險人已獲得并有效地登記船舶第一抵押權(quán)。 5 CHANGE OF OWNERSHIP OF CONTROL This insurance will terminate automatically at the time the Assured become or is aware of or privy to any change of: 5.1 Classification Society or of change, suspension, discontinuance, withdrawal or expiry of the Mortgaged Vessels class

35、 within that Society, 5.2 Ownership, flag, management or control of the Mortgaged Vessel, unless the Assured gives prompt notice of such change in writing, and agrees to pay an additional premium, if required, and Owners Policies and Club Entries are maintained.   5 船舶所有權(quán)或控制權(quán)變更 本保險在被保險人對下述

36、任何變更知道或?qū)嶋H知情之時起將自動終止：5.1 船級社變更或者被抵押船舶船級的變更、中止、中斷、撤銷或到期，5.2 被抵押船舶的所有權(quán)、船旗、管理人或控制人變更，除非被保險人及時將此種變更書面通知了本保險下的保險人并同意支付附加保險費（若保險人提出要求）、確保船東保險和保賠保險（在此種變更發(fā)生后）繼續(xù)有效。    6 DUTY OF ASSURED (SUE AND LABOUR) 6.1 The Assured shall report in writing to the Underwriters any circumstance which may give rise

37、to a claim under this insurance within 30 days of the Assureds knowledge of such circumstances and shall thereafter keep the Underwriters fully informed of all developments. 6.2 It is the duty of the Assured and their servants and agents to take such measures as may be reasonable for the purpose ave

38、rting or minimizing a loss which would be recoverable under this insurance. 推薦精選6.3 The Underwriters will reimburse charges properly and reasonably incurred by the Assured or their servants or agents for such measures except for legal costs and expenses incurred by the Assured in relation to any cla

39、im under Owners Policies and Club Entries which shall only be reimbursed in accordance with clause 6.4 herein. 6.4 Subject to the condition precedent that the Mortgaged Vessel is entered in a Freight, Demurrage and Defence Club covering the cost of the owner proceeding against the Owners Policies an

40、d Club Entries, the Underwriters will reimburse those legal costs and expenses incurred by the Assured in pursuing the non-paying Owners Policies and Club Entries not otherwise recoverable as part of the Net Loss but only where the Assured can demonstrate to the satisfaction of the Underwriters that

41、 it has made every reasonable effort to compel the owner to pursue the non-paying Owners Policies and Club Entries. This policy shall not pay for legal costs and expenses incurred by the Assured in monitoring the claim against the OwnersPolicies and Club Entries. 6.5 Any amounts payable under this c

42、lause shall be included within and shall not be additional to the Sum Insured.   6.6 Measures taken by the Assured or the Underwriters with the object of averting or minimizing a loss which would be recoverable under this insurance shall not be considered as a waiver or acceptance of a cla

43、im or otherwise prejudice the right of either party.   6 被保險人的義務(wù)（施救） 6.1 被保險人應(yīng)在知曉可能引起本保險下索賠的任何情況后的30日內(nèi)，書面向保險人報告該情況并在此后時時通知保險人所有的進展情況。6.2為避免或減小根據(jù)本保險可獲賠償?shù)膿p失，被保險人及其雇員和代理人有義務(wù)采取合理措施。6.3 保險人將補償被保險人及其雇員或代理人采取此種減損措施而適當(dāng)、合理發(fā)生的費用，但被保險人發(fā)生的與船東保險和保賠保險索賠有關(guān)的法律費用和開支除外，此種法律費用和開支僅能按照本保險中的第6.4條的規(guī)定獲得補償。 6.4 以被

44、抵押船舶投保 (Freight,Demurrage and Defence Club船東運費、滯期費和辯護費用保賠協(xié)會) 的抗辯險承保船東向船舶保險和保賠保險保險人發(fā)起訴訟的費用為先決條件，本抵押權(quán)人利益保險的保險人將補償被保險人同時滿足下列條件的法律費用和開支：在追訴船東保險和保賠保險未付賠款時產(chǎn)生的；推薦精選在船東保險和保賠保險下不能獲得賠償?shù)?；屬于本抵押?quán)人利益保險下凈損失的。但被保險人只能在提供證據(jù)使保險人確信被保險人已盡一切合理努力迫使船東求償未賠付的船東保險和保賠保險時，方可獲得此種補償。本抵押權(quán)人利益保險不賠付被保險人在監(jiān)控船東保險和保賠保險索賠方面所產(chǎn)生的法律費用和開支。6.5

45、 根據(jù)本保險第6條確定的可付賠償款項，應(yīng)包括在本保險的保險金額內(nèi)，而不應(yīng)在本保險的保險金額外附加。 6.6 被保險人或保險人為了避免或減輕根據(jù)本保險可獲賠償?shù)膿p失所采取的措施，不應(yīng)視為放棄或接受某項索賠，也不損害任何一方的權(quán)利。  7 CLAIMS 7.1 The Assured shall prove a claim under this insurance by: 7.1.1 demonstrating to the satisfaction of the Underwriters that by reason of the perils insured under c

46、lause 2.1 there is no reasonable prospect of the Owners and/or Assured succeeding in the claim against the underwriters of the Owners Policies and Club Entries, or 7.1.2 in the event of disagreement between the Underwriters and the Assured by either referring the issue to a sole arbitrator in London

47、 to be agreed upon between the Underwriters and the Assured or on final court judgment or arbitration award delivered in favour of the underwriters of Owners Policies and Club Entries.   7.2 The Underwriters shall pay any claim hereunder within 3 months of the date that both the claim is p

48、roved in accordance with Clause 7.1 and Net Loss is established.   7 索賠   7.1 被保險人應(yīng)當(dāng)通過以下方式證明本保險下的某項索賠： 7.1.1 提供令保險人信服的證據(jù)表明，由于本保險第2.1款下的承保危險的發(fā)生，船東和/或本保險下的被保險人沒有希望向船東保險和保賠保險的保險人成功索賠，或者 7.1.2 在本保險的保險人與被保險人之間存在爭議的情況下，可將該爭議問題提交給保險人和被保險人共同商定的倫敦獨任仲裁員裁定，或者以支持船東保險和保賠保險保險人（拒絕賠付）的法院終審判決或仲裁終

49、局裁決為依據(jù)。7.2 自被保險人按照第7.1款完成索賠證明以及凈損失確認(rèn)之日（以較晚日為準(zhǔn)）起的三個月內(nèi)，保險人應(yīng)當(dāng)支付本保險下的應(yīng)賠償款項。   推薦精選8 SUBROGATION 8.1 upon payment to the Assured of a claim hereunder, the Underwriters shall be subrogated to all the rights and remedies of the Assured in respect of such payment. 8.2 It is a condition of this ins

50、urance that any payments by the Underwriters shall not be applied by the Assured in or towards discharge or satisfaction of the amount of the outstanding indebtedness. 8 代位權(quán) 8.1 在向被保險人支付本保險下的某項賠償款的同時，保險人將代位取得被保險人與該項賠款有關(guān)的所有權(quán)利和救濟方式。8.2 保險人支付的任何賠償款，被保險人不得用于清償或償付其拖欠的債務(wù)，這是本保險的一項條件條款。9 EFFECT OF UNDER INS

51、URANCE If the loan amounts are not fully insured hereunder at the time of loss, then the indemnity payable hereunder including any sue and labour amount shall be reduced in proportion to the under insurance.   9 不足額保險的后果   如果在損失發(fā)生時，貸款金額未全額投保，那么，根據(jù)本保險可賠付的賠償，包括任何施救費用，將按照不足額保險的比例進行扣減。10 AUTOMATIC TERMINATION 10.1 Cover hereunder for loss of or damage to or liability of a Mortgaged Vessel shall terminate in respect of those risks covered by the War and Strikes Clause of the Mortgaged