國際貿(mào)易實(shí)務(wù)-6 INSURANCE

1、6 INTERNATIONAL CARGO TRANSPORTATION INSURANCE nUnderstanding:pRisk, Average and ExpensespCargo insurance clause of PICC (CIC)and ICCpInsurance documentspInsurance contract partiesnGrasp:pGeneral Average, Particular AveragepInsurance coverage of Basic Risk and Additional RiskpSue & Labour charge

2、s, Salvage ChargespW/W ClausepInsurance documents type, characteristics and functionpAbandonment and Subrogation RightpThe calculation of insured value & insurance amountpThe conversion between the price of different trade termsMarine Cargo Insurance CoverageRiskPerils of the SeaNatural Calamiti

3、esHeavy WeatherLightningTsunamiWashing OverboardFloodEarthquakeVolcanic EruptionEntry of sea, lake or river water into vessel craft, hold, conveyance, container, or place of storageFortuitous AccidentsFireExplosionGroundingStrandingSunkCollisionCapsizedJettisonSling LossExtraneous RiskGeneral Extran

4、eous RisksSpecial Extraneous RisksAverageTotal LossActual Total LossConstructive Total LossPartial LossGeneral AverageParticular AveragenNecessary condition for the General AveragepDanger actually exists and is inevitablepDanger is common; the measures are reasonablepSacrifice is the result of inten

5、tional acts; Costs are extrapLoss is the loss of extraordinary circumstancesnGeneral Average Contribution After the general average occurred, every sacrifice and expense fall within the scope of general average, which all need through the adjustment of general average, and be apportioned with ratio

6、by the rescued beneficiaries (ship, cargo and freight revenue side) according to the original value of the salved.York-Antwep RulesBeijing G.A. Settlement RulesSurvived the underlying value(Insurance value of the subject stated on the policy)nParticular AverageOnly involves the unilateral loss of th

7、e ships or the owner of the goods interestsnThe differences between General Average and Particular AverageGeneral AverageParticular AverageCaused by different reasonsNatural calamitiesFortuitous accidentsExtraneous riskHuman-caused losses and additional costsAssume responsibility for the lossInjured

8、 party to assumeAll benefiting parties sharing according to the size of its benefit ratioExpensesnSue and Labour ExpensespThe person who takes measures must has direct economic interest with the subject matter insured. nSalvage ChargepA third party except the insured or the insurernOther expensesCas

9、en有一貨輪在航行中與流冰相撞。船身一側(cè)裂口，艙內(nèi)部分有一貨輪在航行中與流冰相撞。船身一側(cè)裂口，艙內(nèi)部分乙方貨物遭浸泡。船長不得不將船就近駛?cè)霚\灘，進(jìn)行排乙方貨物遭浸泡。船長不得不將船就近駛?cè)霚\灘，進(jìn)行排水，修補(bǔ)裂口。而后為了浮起又將部分甲方笨重的貨物拋水，修補(bǔ)裂口。而后為了浮起又將部分甲方笨重的貨物拋入海中。乙方部分貨物遭受浸泡損失了入海中。乙方部分貨物遭受浸泡損失了3萬美元，將船舶駛?cè)f美元，將船舶駛上淺灘以及產(chǎn)生的一連串損失共為上淺灘以及產(chǎn)生的一連串損失共為8萬美元，則如何分?jǐn)倱p萬美元，則如何分?jǐn)倱p失？（該船舶價(jià)值為失？（該船舶價(jià)值為100萬美元，船上載有甲乙丙三家的貨萬美元，船上載有甲乙

10、丙三家的貨物，分別為物，分別為50萬、萬、33萬、萬、8萬美元，待收運(yùn)費(fèi)為萬美元，待收運(yùn)費(fèi)為2萬美元）萬美元）有關(guān)各方有關(guān)各方獲救價(jià)值獲救價(jià)值（萬美元）（萬美元）分?jǐn)偙壤謹(jǐn)偙壤謹(jǐn)偨痤~分?jǐn)偨痤~（萬美元）（萬美元）船方船方1008190=4.21%4.21貨方甲貨方甲502.105貨方乙貨方乙33-3=301.263貨方丙貨方丙80.3368運(yùn)費(fèi)方運(yùn)費(fèi)方20.0842合計(jì)合計(jì)1907.999China Insurance Clause, CIC(PICC)CICMarine cargo insuranceRoad transportation cargo insurancePostal car

11、go insuranceAir transportation cargo insuranceMarine cargo insuranceBasic RisksFPA, Free from particular average 平安險(xiǎn)平安險(xiǎn)Total loss of natural disasters;the total or partial loss under the accident WA/WPA, With particular average 水漬險(xiǎn)水漬險(xiǎn)FPA+ Partial loss of natural disastersAll risks 一切險(xiǎn)一切險(xiǎn)WA+ General

12、additional risksAdditional RisksGeneral additional risks 一般附加險(xiǎn)一般附加險(xiǎn)11 kindsSpecial additional risks 特殊附加險(xiǎn)特殊附加險(xiǎn)Special RisksSellers contingent interest risks 賣方利益險(xiǎn)賣方利益險(xiǎn)Frozen products risks 冷藏險(xiǎn)冷藏險(xiǎn)Bulk woodoil risks 散裝桐油險(xiǎn)散裝桐油險(xiǎn)TPND, Theft, Pilferage and Non-deliveryFresh Water/ Rain DamageShortageInter

13、mixture and ContaminationLeakageClash and BreakageTaint of OdourHook DamageSweat and HeatingBreakage of PackingRustWar RiskStrikesFailure to DeliveryImport Duty RiskOn Deck RiskRejection RiskAflatoxinAll Risks WA/WPAFPAGeneral Additional RisksSpecial Additional RisksGeneral Additional RisksSpecial A

14、dditional RisksSpecial Additional RisksnExclusionsnDurationpW/W, Warehouse to warehouse clause-for basic risksShippers WarehousePort of shippmentConsignees WarehousePort of destination(terminate 60 days later after cargos unloaded )The destination unspecified in the policy（the responsibility termina

15、te at the beginning of transfer）nThe period of claim shall be subject to the provisions of the relevant insurance, transport, or the sales contractpClaims to insurance companiesuwithin 2 years from the date of the cargo unloaded from the means of transport pClaim to the shipping companyu15-60 days a

16、fter the cargo reached the destinationpClaim to the selleruWithin 60 days of receipt of the goodsnThe main evidence required in insurance claimspOriginal insurance documentspOriginal transport documentpCommercial invoicepPacking List/ Weight ListpInspection report/ Damage, shortage proofpClaim sheet

17、 Institute Cargo Clause, ICC(Institute of London Underwriters, ILU)n6 kinds of risks pICC(A)-insurance liability is the most widelypICC(B)pICC(C)pIWCC, Institute War Clause-CargopISCC, Institute Strikes Clause-CargopMalicious Damage Clause-additional riskInsurance Clause &Insurance DocumentInsur

18、ance clause“Insurance to be covered by the buyer”“Insurance to be covered by the seller for 110% of total invoice value against All Risk, War Risk and SRCC as per the relevant Ocean Cargo Clause of the PICC dated Jan. 1, 1981”nParties nCoveragenInsured amount-including additional insured valuenInsur

19、ance company and clausenInsurance documentspIt should be stipulate that the seller must provide the insurance documents to the buyer, if the seller buys the insuranceInsurance documentsnInsurance PolicynInsurance CertificatenOpen PolicynBasic conceptspSubject matter insuredpApplicantpInsurer / Under

20、writerpBeneficiary / The insured policyholder pCoveragepInsured valuepInsured amountpPremium u14Calculation of insurance n某某批出口貨物的批出口貨物的CPT價(jià)值是價(jià)值是USD20000，如果按，如果按10%投保加投保加成，投保一切險(xiǎn)，費(fèi)率為成，投保一切險(xiǎn)，費(fèi)率為1.5，加保戰(zhàn)爭險(xiǎn)和罷工險(xiǎn)，費(fèi)率，加保戰(zhàn)爭險(xiǎn)和罷工險(xiǎn)，費(fèi)率均為均為0.5 n問：貨物的問：貨物的CIP價(jià)值是多少？價(jià)值是多少？ 保險(xiǎn)金額是多少？保險(xiǎn)金額是多少？ 保險(xiǎn)費(fèi)是多少？保險(xiǎn)費(fèi)是多少？nAbandonmentW

21、hen the subject-matter insured is in a state of constructive total loss, the insured in the a statement to the underwriter is willing to transfer all the rights and interests of the insurance mark to the insurer, including property rights and the resulting rights and obligations. Then the insurer pa

22、y compensation to the insured in accordance with the total loss.nRight of SubrogationAfter the underwriter paying compensation amount of the total or partial loss, he require the insured to transfer its rights which “has the claim to third party who has the liability for damage for total or partial

23、loss , in order to prevent the double benefit of the insured.nFranchisepIOP, Irrespective of PercentageThe basic principles of insurancenThe principle of utmost good faithnThe principle of insured interestnThe principle of proximate causenThe principle of indemnityThinkingn我一出口商以我一出口商以FOB300.00/PC的價(jià)格的價(jià)格對外出口一批貨物對外出口一批貨物，然，然貨物在運(yùn)往裝運(yùn)港過程中遭遇了承包責(zé)任范圍內(nèi)風(fēng)險(xiǎn)致使貨貨物在運(yùn)往裝運(yùn)港過程中遭遇了承包責(zé)任范圍內(nèi)風(fēng)險(xiǎn)致使貨物發(fā)生損失，我方遂向保險(xiǎn)公司提出索賠，保險(xiǎn)公司應(yīng)該如物發(fā)生損失，我方遂