外貿(mào)函電 保險Insurance課件

1、1Unit 9 Insurance9.1 Introduction of Insurance9.1.1 The Parties of Insurance9.1.2 Risks, Losses and Expenses9.1.3 Ocean Marine Insurance Under C.I.C.9.1.4 Insurance Documents9.2 Specimen Letters of Insurance保險的種類 2- 財產(chǎn)保險 - 責任保險 - 信用保險 - 人身保險進出口貨物運輸?shù)谋ｋU實務進出口貨物運輸?shù)谋ｋU實務 選擇恰當?shù)谋ｋU險別選擇恰當?shù)谋ｋU險別一般應考慮以下因素：一般應考慮以

2、下因素：1 1、貨物的性質和特點、貨物的性質和特點2 2、貨物的包裝、貨物的包裝3 3、貨運航線、停靠港口及裝卸貨的損耗情況、貨運航線、?？扛劭诩把b卸貨的損耗情況4 4、運輸季節(jié)、氣候及安全因素、運輸季節(jié)、氣候及安全因素5 5、貨物的殘存規(guī)律、貨物的殘存規(guī)律49.1 Introduction of Insurance9.1.1 The Parties of Insurance被保險人被保險人the insured/投保人投保人applicant保險人保險人Insurer /承保人承保人 underwriterInsured amount保險金額保險金額（Insurance） premium：保

3、險費：保險費premium rate 保險費率保險費率 貨物運輸保險保障的范圍貨物運輸保險保障的范圍風險風險損失損失費用費用69.1.2 Risks, Losses and Expenses Coverage of InsuranceLossesRisksExpensesinsurance coverage; risks covered 保險范圍保險范圍海上風險Perils of the Sea外來風險Extraneous Risks自然災害Natural Calamity意外事故Fortuitous accidents一般外來風險General Extraneous Risks特殊外來風險S

4、pecial Extraneous風險Risks8LossesActual Total LossConstructive Total LossParticular AverageGeneral AverageLosses Total LossPartial Loss二、損失二、損失 Losses損失Losses海上損失Perils of the Sea其他損失全部損失Total Loss實際全損Actual Total Loss推定全損Constructive Total Loss部分損失Partial Loss共同海損General Average 單獨海損Particular Averag

5、e一般外來損失特殊外來損失10u 1. Total Loss (1) Actual total loss (實際全損) The actual total loss occurs where the insured goods have been totally lost or damaged, or found to be totally valueless on arrival. (2) Constructive total loss (推定全損) Constructive total loss is found in the case where an actual total loss

6、appears to be unavoidable or the cost to be incurred in recovering or reconditioning the goods together with the forwarding cost to the destination named in the policy would exceed their value on arrival.（一）全部損失： Total Loss一張保險單下包括多張?zhí)釂蔚呢浳?，其中一張或幾張?zhí)釂呜浳锏耐耆珳缡б粡埍嗡Ｘ浳锏耐耆珦p失一條駁船所載貨物的完全損失裝卸過程中一個整件貨物的完全損失1、實

7、際全損 Actual Total Loss被保險貨物的實體已經(jīng)完全滅失被保險貨物遭到嚴重損害，已喪失了原有的用途和價值被保險人對保險貨物的所有權已無可挽回地被完全剝奪載貨船舶失蹤，達到一定時期仍無音訊2、推定全損、推定全損 Constructive Total Loss1 1、保險標的損失嚴重，構成實際損失已無法避、保險標的損失嚴重，構成實際損失已無法避免。免。2 2、為了防止保險標的的實際全損而需要支付的、為了防止保險標的的實際全損而需要支付的費用將超過保險標的的價值。費用將超過保險標的的價值。3 3、被保險貨物受損后，修復費用、整理費用以、被保險貨物受損后，修復費用、整理費用以及續(xù)運到目的

8、地的費用，將超過其到達目的地及續(xù)運到目的地的費用，將超過其到達目的地的價值。的價值。4 4、保險標的遭受保險事故，使被保險人喪失了、保險標的遭受保險事故，使被保險人喪失了對其享有權，而收回該所有權所需費用，將超對其享有權，而收回該所有權所需費用，將超過保險標的價值。過保險標的價值。14u2. Partial Loss Partial loss refers to the loss of part of a consignment. According to different causes, partial loss can be further divided into: general a

9、verage （共同海損）and; particular average （單獨海損）.共同海損與單獨海損的區(qū)別共同海損與單獨海損的區(qū)別比較項目單獨海損損失的內容致?lián)p原因損失的承擔者共同海損受損者自己承擔除保險標的外，還包括支出的特殊費用受益各方根據(jù)獲救利益的大小按比例分攤保險標的物為解除或減輕風險，人為地有意識地造成由所承保的風險直接導致船、貨受損16ExpensesExpensesSue and Labor expenses Salvage charges三、費用三、費用Expenses1、施救費用、施救費用 Sue and Labor Expenses2、救助費用、救助費用 Salvag

10、e Expenses3、特別費用、特別費用 Special Expenses 運輸工具遭受海難后在避難港卸貨所引起的損失，以及由運輸工具遭受海難后在避難港卸貨所引起的損失，以及由于卸貨、存?zhèn)}、運送貨物所產(chǎn)生的費用。于卸貨、存?zhèn)}、運送貨物所產(chǎn)生的費用。4、額外費用、額外費用 為了證明損失、索賠成立而支付的費用。為了證明損失、索賠成立而支付的費用。18 1. Sue and labor expenses These expenses are the expenses arising from measures properly taken by the insured, the employee

11、and the assignee, etc. for minimizing or avoiding losses caused by the risks covered in the insurance policy. The insurer is held responsible to compensate for such expenses.2. Salvage charges Salvage charges are expenses resulting from measures properly taken by a third party other than the insured

12、, the employee and the assignee, etc.199.1.3 Ocean Marine Insurance Under C.I.C. China Insurance Clause (CIC): 中國保險條款 There are three kinds of basic risks under Ocean Marine Cargo Clauses（海洋運輸貨物保險條款）: Basic RisksF.P.A. (Free from Particular Average) 平安險; W.P.A .(With Average or With Particular Avera

13、ge) 水漬險; All Risks 一切險.Additional risks: General Additional Risks 一般附加險 Special Additional Risks 特別附加險基本險別Basic Coverage附加險別Additional Coverage一切險（AR）平安險（FPA） 水漬險（WPA/WA）一般附加險General Additional Coverage特殊附加險Special Additional Coverage 平安險平安險(F.P.A.): Free from Particular Average是海上貨物運輸保險中責任最小的一種是海上貨

14、物運輸保險中責任最小的一種險別，一般適用大宗、低值、粗糙，無險別，一般適用大宗、低值、粗糙，無包裝的貨物，如廢鐵、木材、礦砂等的包裝的貨物，如廢鐵、木材、礦砂等的海上運輸。海上運輸。水漬險水漬險(WPA)With Particular Average保險責任排除了貨物的銹損、碰損、破碎保險責任排除了貨物的銹損、碰損、破碎及散裝貨物的部分損失。它一般適用于不及散裝貨物的部分損失。它一般適用于不易損壞或不因生銹而影響使用的貨物，如易損壞或不因生銹而影響使用的貨物，如五金材料，舊的汽車、機械、機床、散裝五金材料，舊的汽車、機械、機床、散裝金屬原料等。金屬原料等。水漬險水漬險=平安險平安險+自然災害引

15、起的部分損失自然災害引起的部分損失一切險一切險(AR): All Risks承保范圍最廣泛，因而適宜于價值高、可遭承保范圍最廣泛，因而適宜于價值高、可遭受損失因素較多的貨物投保。受損失因素較多的貨物投保。一切險一切險 = 水漬險水漬險 + 一般外來原因造成的損失一般外來原因造成的損失（一般附加險）（一般附加險）二、附加險二、附加險 Additional Coverage不能單獨投保，只能在投保了基本險的基礎上加保。不能單獨投保，只能在投保了基本險的基礎上加保。（一）一般附加險（一）一般附加險General Additional Coverage（二）特殊附加險（二）特殊附加險Special A

16、dditional Coverage25一般附加險（一般附加險（General Additional Risks）1.Theft, Pilferage and Non-delivery (TPND) 偷竊、提貨不著險偷竊、提貨不著險 2. Freshwater and Rain Damage 淡水雨淋險淡水雨淋險 3. Risk of Shortage 短量險短量險 4. Risk of Intermixture and Contamination 混雜、玷污險混雜、玷污險 5. Risk of Leakage 滲漏險滲漏險6. Risk of Clashing and Breakage 碰損

17、破碎險碰損破碎險 7. Risk of Odor 串味險串味險 8. Damage Caused by Sweating and Heating 受潮、受熱險受潮、受熱險 9. Hook damage 鉤損險鉤損險 10. Loss and /or Damage Caused by Breakage of Packing 包裝破包裝破裂險裂險 11. Risk of Rusting 銹損險銹損險26特別附加險（特別附加險（Special Additional Risks）1.Failure to Deliver Risk 交貨不到險 2. Import Duty Risk 進口關稅險 3. O

18、n Deck Risk 艙面險 4. Rejection Risk 拒收險 5. Aflatoxin Risk 黃曲霉素險6. War Risk 戰(zhàn)爭險 7. Strike Risk 罷工險 8. Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong, Including Kowloon, or Macau 出口貨物到香港（包括九龍在內）或澳門存?zhèn)}火險責火險責任擴展條款任擴展條款 279.1.4 Insurance DocumentsInsurance policy保險單/大保單Insurance ce

19、rtificate保險憑證 Combined certificate聯(lián)合憑證 Open policy預約保單 Endorsement批單 28 Examples of insurance clauses in the sales contract 1. Except in cases where the insurance is covered by the Buyers as arranged, insurance is to be covered by the Sellers with a Chinese insurance company. If insurance for additi

20、onal amount and /or for other insurance terms is required by the Buyers, prior notice to this effect must reach the Sellers before shipment and is subject to the Sellers agreement, and the extra insurance premium shall be for the Buyers account. 292、Insurance: To be covered by the Seller against . (

21、risk) according to Ocean Marine Cargo Clauses of the Peoples Insurance Company of China dated January 1, 1981. 3、As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other risks is required, such as breakage, leakage, TPND, hook and conta

22、mination damages, the extra premium involved would be for the buyers account. Theft, Pilferage and Non-delivery (TPND) 偷竊、提貨不著險 簽定國際貨物買賣合同中的保險條款應注意的簽定國際貨物買賣合同中的保險條款應注意的問題：問題：1 1、應明確按什么保險條款進行投保、應明確按什么保險條款進行投保2 2、應明確不同保險條款的生效日期、應明確不同保險條款的生效日期3 3、應明確投保險別、應明確投保險別4 4、應明確何方負責投保、應明確何方負責投保5 5、應明確投保加成率、應明確投保

23、加成率6 6、如加保戰(zhàn)爭險，應明確、如加保戰(zhàn)爭險，應明確“若發(fā)生有關保險費率調若發(fā)生有關保險費率調整，所增加的保費由買方負擔整，所增加的保費由買方負擔”相關專業(yè)詞匯Insured被保險人被保險人 Strike Risk罷工險罷工險Underwriter保險人保險人 Warehouse to Warehouse Clause倉至倉條款倉至倉條款Total Loss全部損失全部損失 Overland Transportation Risks陸運險陸運險Partial Loss部分損失部分損失 Overland Transportation All Risks陸運一切險陸運一切險Particular

24、 Average單獨海損單獨海損 Insured Amount保險金額保險金額General Average 共同海損共同海損 Insurance Premium 保險費保險費Free from Particular Average，F(xiàn)PA 平安險平安險 Insurance Policy 保險單保險單With Particular Average，WPA 水漬險水漬險 Insurance Certificate 保險憑證保險憑證All Risks，A.R. 一切險一切險Combined Certificate 聯(lián)合憑證聯(lián)合憑證General Additional Risk 一般附加險一般附加險

25、 Insurance Cargo Clause, ICC 協(xié)會貨物條款協(xié)會貨物條款Special Additional Risk 特殊附加險特殊附加險War Risk 戰(zhàn)爭險戰(zhàn)爭險32Specimen Letter ： Insurance Dear Sirs Thank you for your letter of June 28, in which you inquired about the insurance of your Order No. 447. Generally speaking, if goods are sold on CIF basis, as it is in you

26、r case, we insure goods against All Risks for 110% of the invoice value. Should the buyer require broader coverage, the extra premium is for buyers account. 33We would like to inform you that there are three kinds of basic insurance coverage under the Ocean Marine Cargo Clauses of the Peoples Insura

27、nce Company of China dated January 1, 1981: F.P.A. (Free from Particular Average), WA or W.P.A. (With Average or With Particular Average), and A/R (All Risks). A/R is the broadest form of coverage.34The insurance terminates when the goods reach the consignees warehouse at the destination named in th

28、e policy. It is limited, however, to sixty days after completion of discharge of the insured goods from the seagoing vessel at the final port of discharge if they dont reach the above-mentioned warehouse or place of storage. PICC enjoys high reputation in settling claims promptly and equitably. It h

29、as agents in almost all major cities and ports all over the world to handle claims.35It will be very convenient to file claims for the loss of or damage to the goods with the insurance agent at your end. In case of the claim, the insured is required to submit the following documents: *Original Polic

30、y or Certificate of Insurance *Original or copy of B/L *Packing List and Invoice*Certificate of Loss / Damage, or Short-landed （短卸) Memo, and Survey Report *Statement of Claims 36Please feel free to contact us again if you have any further questions or you may contact the agent of PICC at your end a

31、t (phone number, followed by the address). Yours faithfully37Explanation： A. Generally speaking, if goods are sold on CIF basis, as it is in your case, we insure goods against All Risks for 110% of the invoice value. 1.insure：vt. 保險，投保 投保，辦理保險Cover insuranceEffect insuranceArrange insuranceProvide i

32、nsuranceTake out insurance 38 insurance后介詞的用法：1. 表示投保的險別。后接 against。如： Insurance against all risks 2. 表示保額。后接for 如 insurance for 110 of the invoice value 3. 表示保險費或費率， 后接at如：insurance at a slightly higher premium， insurance at the rate of 54. 表示向某保險公司投保，后接with， 如：insurance with PICC39B. Should the bu

33、yer require broader coverage, the extra premium is for buyers account. coverage：n. 承保范圍，保險險別 We are glad to say we can provide such coverage.貨物溢短單(Over-landed / Short-landed Cargo List)貨物溢短單是指船舶卸貨完畢后由理貨長將卸貨記錄匯總而編制的表明貨物所卸的數(shù)量與提單或其他有關單證所載數(shù)量比較，溢卸或短缺情況的書面證明。40ExercisesThe client thinks it more convenient for the insurance to be covered (to be taken care of) by you than by himself. Please effect insurance for 150% of the invoice value against All Risks and War Risk, as requested by the buyer.We can only cover insurance for 110% of the invoice value according to the contract stipulati