游艇保險(xiǎn)講稿ppt課件

1、Yacht Insurance 游艇保險(xiǎn)講演人 Presented by:Tommy Ho (Aon HK)Steve Huang (Aon China Mainland)Apr/ 20211.2內(nèi)容 Content 引見 Introduction 關(guān)于怡安 About Aon 為什么我們需求游艇保險(xiǎn)？Why we need Yacht Insurance? 什么是游艇保險(xiǎn) What is Yacht Insurance? 保險(xiǎn)條款 Policy Wording 保險(xiǎn)索償/理賠 Claims 個(gè)案研討 Case Studies 問答時(shí)間 Questions and Answers.3.Aon

2、Corporation怡安集團(tuán)Business:Headquarter:Aon Listing:Aon Offices:Aon Operates in:No. of Staff:Aon is #1 in:Fortune 500 Ranking(2021):Aon Center, ChicagoLeading global provider of risk managementconsulting, insurance & reinsurance brokerage, andhuman capital consulting servicesChicago, USNew York Stock Ex

3、change (Trading Symbol: AON)500120 countries60,000 worldwideRetail broking and Risk ConsultingReinsurance brokingCaptive managementHuman capital consultancy2984.關(guān)于怡安保險(xiǎn) / About Us中怡保險(xiǎn)經(jīng)紀(jì)有限責(zé)任公司 / 怡安保險(xiǎn)顧問Aon-COFCO Insurance Brokers Co., Ltd / Aon HongKong Ltd怡安公司總部設(shè)在美國(guó)芝加哥，是世界上領(lǐng)先的集風(fēng)險(xiǎn)管理咨詢、保險(xiǎn)經(jīng)紀(jì)和再保險(xiǎn)經(jīng)紀(jì)、人力資源咨詢

4、與外包效力為一體的綜合性集團(tuán)公司。我們的關(guān)鍵優(yōu)勢(shì)是對(duì)影響當(dāng)今世界經(jīng)濟(jì)情勢(shì)最重要的兩大中心要素風(fēng)險(xiǎn)與人才，具有深化的認(rèn)識(shí)。怡安在全球120多個(gè)國(guó)家設(shè)有500多個(gè)辦事機(jī)構(gòu)，員工總數(shù)59，000余人，基于此，使得我們可以預(yù)見一個(gè)地域的變化對(duì)其它地域的影響。Our key advantage is our broad view of two of the most important issues in our economy today:risk and people. With an employee base of 59,000 people working in over 500 office

5、s in more than120 countries, we can anticipate how changes in one sector impact another.5.關(guān)于怡安保險(xiǎn) / About Us (cont) 中怡保險(xiǎn)經(jīng)紀(jì)有限責(zé)任公司(Aon-COFCO Insurance Brokers Co., Ltd.)成立于2003年11月，是首家獲準(zhǔn)在中國(guó)境內(nèi)從事保險(xiǎn)、再保險(xiǎn)經(jīng)紀(jì)和風(fēng)險(xiǎn)管理咨詢業(yè)務(wù)的中外合資保險(xiǎn)經(jīng)紀(jì)公司。合資雙方為美國(guó)怡安保險(xiǎn)(集團(tuán))公司(簡(jiǎn)稱“怡安集團(tuán):全球最大的保險(xiǎn)經(jīng)紀(jì)公司和再保險(xiǎn)經(jīng)紀(jì)公司)和中糧集團(tuán)(簡(jiǎn)稱“中糧集團(tuán):中國(guó)政府直接納理的國(guó)有重要骨干企業(yè)之一，世

6、界500強(qiáng))。中怡目前擁有上海、北京、廣州、南京、成都五家分公司，超越300名雇員，具備完善的全國(guó)效力網(wǎng)絡(luò) Aon-COFCO Insurance Brokers Co., Ltd was established in November, 2003. We are the firstlicensed international insurance and reinsurance broking and risk management consultingcompany in China. Our two investors are Aon Corporation, the largest in

7、surance broker, andreinsurance broking company in the world, and China National Cereals, Oils & FoodstuffsCorporation (COFCO), one of the state-owned backbone enterprises under the directadministration of the Chinese central government, Fortune 500 Company since 1994. Aon-COFCO now has 5 branches in

8、 Shanghai, , Guangzhou, Nanjing, and Chengdu. Over300 employees are serving our clients and provide a nation-wide service network6.關(guān)于怡安保險(xiǎn) / About Us (cont) 游艇風(fēng)險(xiǎn)團(tuán)隊(duì)Yacht Division我們的遊艇專家遍佈香港、倫敦、鹿特丹、紐約及佛羅里達(dá)州，通過這些地點(diǎn)，本團(tuán)隊(duì)得以打入全球一切的保險(xiǎn)市場(chǎng)，體貼地關(guān)注客戶在不同地方的服務(wù)需求。With yacht specialists in Hong Kong, London, Rotterdam

9、, New York and Fort Lauderdale, wehave a global reach that allows us to access all insurance markets to ensure we are offering aglobal approach with local service to our clients.在怡安香港，我們?cè)?jīng)安排超越1,000船只的游艇保險(xiǎn)We arranged insurance cover for over 1,000 units of yacht by Aon HK.同時(shí)，我們還為皇家香港游艇會(huì)，白沙灣游艇會(huì)，香港航海訓(xùn)練

10、學(xué)校，和香港帆船運(yùn)動(dòng)總會(huì)安排保險(xiǎn)事宜包括了財(cái)富險(xiǎn)，責(zé)任保險(xiǎn)，活動(dòng)取消保險(xiǎn)。We also arranged insurance cover for Royal Hong Kong Yacht Club, Hebe Haven Yacht Club,Hong Kong Sea School and Hong Kong Sailing Federation.7.為什么游艇需求保險(xiǎn)? Why does the yacht needs insurance?8.為什么游艇需求保險(xiǎn)? Why does the yacht needs insurance?9.10為什么游艇需求保險(xiǎn)? Why does th

11、e yacht needs insurance? 法律要求 Required by law Mandatory Third Party Liability Insurance強(qiáng)迫性第三者責(zé)任保險(xiǎn) Requested by port authority & marina港口當(dāng)局或者游艇會(huì)的要求.為什么游艇需求保險(xiǎn)? Why does the yacht needs insurance?11.12為什么游艇需求保險(xiǎn)? Why does the yacht needs insurance? 貴重資產(chǎn)保證 Valuable asset protection.為什么游艇需求保險(xiǎn)? Why does th

12、e yacht needs insurance?13.14什么是游艇保險(xiǎn)What is Yacht Insurance? 游艇建造期 From the build of the yacht 游艇建造保險(xiǎn) Builders Risks Insurance 游艇從船廠運(yùn)給船主 From Shipyard to Owner 游艇運(yùn)輸保險(xiǎn) Yacht Cargo Insurance 船主本人掌控下的風(fēng)險(xiǎn) The owners risk 船殼和機(jī)械上的風(fēng)險(xiǎn) Hull and Machinery Insurance 擴(kuò)展保證 Additional Cover 競(jìng)賽風(fēng)險(xiǎn)Racing Risk 個(gè)人不測(cè) Pe

13、rsonal Accident 個(gè)人財(cái)物 Personal Effects 租船( 連船長(zhǎng)) Skipper Charter 第三者責(zé)任保險(xiǎn) Third Party Liability Insurance 規(guī)范保單 Standard 船東協(xié)會(huì)保賠保險(xiǎn) P&I 船員保險(xiǎn) Crew Insurance. 主要保證 Main Coverage: 物質(zhì)損失和建造期間的第三者責(zé)任 Property damage and liability cover during yachtconstruction.15游艇建造期保險(xiǎn) Yacht Builders Risks Insurance.游艇建造期保險(xiǎn) Yac

14、ht Builders Risks Insurance16.游艇建造期保險(xiǎn)Yacht Builders Risks Insurance17. 主要保證 Main Coverage: 運(yùn)送游艇過程(包括海陸空方式) 發(fā)生的游艇的物質(zhì)損失Physical damage to, or loss of yachtwhilst in transit by land, sea or air. 保險(xiǎn)期間從航程啟程開場(chǎng)不斷延續(xù)到游艇到達(dá)目的地放進(jìn)水中,包括在原產(chǎn)地和目的地國(guó)家的裝卸,拖帶,倉儲(chǔ)(如有需求) From time of commencement of voyage to time of disch

15、arge intothe water at the destination, including loading / unloading and tow / storage in the country oforigin and destination, if required.18游艇運(yùn)輸保險(xiǎn)Yacht Cargo Insurance.游艇運(yùn)輸保險(xiǎn)Yacht Cargo Insurance19.游艇運(yùn)輸保險(xiǎn)Yacht Cargo Insurance20.21第三者責(zé)任保險(xiǎn)Third Party Liability Insurance Coverage 保證范圍Coverage : 游艇或船主

16、或船員對(duì)第三者的法律責(zé)任，這個(gè)責(zé)任包含人員損傷和財(cái)富損失Legal liability ofthe yacht and/or owner and/or crew to third parties. This include personal injury and/orproperty.保證USD500,000,000污染Pollutions船員Crew罰款和罰金 Fine and Penalties22船東互保協(xié)會(huì)保賠保險(xiǎn)P & I Clubs P. & I. Clubs 船東互保協(xié)會(huì)SHIPOWNERS MUTUAL ASSURANCEASSOCIATION。船東互保協(xié)會(huì)規(guī)定承保范圍，它由船

17、東組成，意圖為能夠承擔(dān)的責(zé)任范圍提供金融保證.船殼和機(jī)械設(shè)備保險(xiǎn) Hull & Machinery Insurance 主要保證Main Coverage :船殼和機(jī)械Hull and Machinery附屬小艇及設(shè)備Tender and equipment電子和導(dǎo)航設(shè)備Electrical and Navigational偷竊Theft 救助費(fèi)用Cost of the salvage of the yacht 去除游艇殘骸費(fèi)用Cost of removing the wreck of the yacht 第三者責(zé)任Third Party Liability23.Collision 碰撞Sin

18、king 下沉Fire 火災(zāi)Theft 盜竊Accident Damage 不測(cè)損毀Typhoon Damage 臺(tái)風(fēng)損毀Lightning 雷電擊中Third Party Liability Included 已包括第三者責(zé)任保險(xiǎn)Etc其他24綜合保險(xiǎn)(全保) Comprehensive Cover.25普通除外責(zé)任Common Exclusions 不適航 Failure to maintain the yacht in seaworthy condition 惡意破壞或者正常損耗Loss caused by malicious act, wear and tear 船尾機(jī),船上器具被盜,

19、 除非該物品安頓在鎖好的柜子或儲(chǔ)物室內(nèi)Theft of any outboard motor,vessels gear / equipment unless at the time of the theft it was inside a locked cabin / storagecompartment 帆被風(fēng)吹爛Sails split by the wind 損失由競(jìng)賽/速試/試航呵斥 Cause in racing / speed tests / trials in connection 沒有在發(fā)動(dòng)機(jī)艙/發(fā)動(dòng)機(jī)位置安裝自動(dòng)滅火系統(tǒng)情況下的船上著火或者爆炸 Fire or explosio

20、n onboard if the engine room / engine space without fire extinguish system.26船殼和機(jī)械設(shè)備保險(xiǎn)Hull & Machinery Insurance Coverage Cont 擴(kuò)展條款A(yù)dditional Cover: 戰(zhàn)爭(zhēng)險(xiǎn)War Risks 競(jìng)賽險(xiǎn)Racing Risks 個(gè)人物品Personal Effects 帶船長(zhǎng)的租船Skipper Charter.27船員保險(xiǎn)Crew Insurance 主要保證Main Coverage : 死亡Death 截肢或是眼睛失明Loss of limb /eye 永久性殘

21、廢Permanent total disablement 醫(yī)療費(fèi)用Medical Expenses 緊急救助 Emergency Services.船員保險(xiǎn)Crew Insurance28.29保單種類 Policy Forms 協(xié)會(huì)游艇保險(xiǎn)條款1985年11月1日 Institute Yacht Clauses (1/11/85) All Risks - Underwriters Standard Wording (Tailor Made) R12 All Risks Cover.30協(xié)會(huì)游艇保險(xiǎn)條款1985年11月1日 Institute Yacht Clauses (1/11/85)Na

22、med Perils Wording (指定保險(xiǎn)單) PERILS 危險(xiǎn)條款 Subject always to the exclusions in this insurance 本保險(xiǎn)受制于以下除外條件 This insurance covers loss of or damage to the subject-matter insured caused by 本保險(xiǎn)承保以下緣由呵斥的保險(xiǎn)標(biāo)的損失或損害 Perils of the seas rivers lakes or other navigable waters 海上、江河、湖泊或其它可航水域的危險(xiǎn) Fire 火災(zāi).31協(xié)會(huì)游艇保險(xiǎn)條款

23、1985年11月1日 Institute Yacht Clauses (1/11/85)Named Perils Wording (指定保險(xiǎn)單) Jettison 丟棄 Piracy 海盜 Contact with dock or harbour equipment or installation, land conveyance, aircraft or similarobjects or objects falling therefore 與碼頭、港口設(shè)備或安裝、陸上運(yùn)輸工具、航空器或類似安裝及從其上跌落的物體的接觸 Earthquake volcanic eruption or ligh

24、ting 地震、火山迸發(fā)或閃電.協(xié)會(huì)游艇保險(xiǎn)條款1985年11月1日 Institute Yacht Clauses (1/11/85)Named Perils Wording (指定保險(xiǎn)單) and, provided such loss or damage has not resulted from want of due diligence by the AssuredOwners or Managers, the insurance covers 假設(shè)此種滅失或損害并非由于被保險(xiǎn)人、船東、或管理人未謹(jǐn)慎處置所致，本保險(xiǎn)承保： Loss of or damage to the subje

25、ct-matter insured caused by 由于以下緣由引起的保險(xiǎn)標(biāo)的的滅或損害： Accidents in loading, discharging or moving stores, gear, equipment, machinery or fuel 在裝卸或挪動(dòng)備用品、船具、設(shè)備機(jī)器或燃料過程中的不測(cè)事故 Explosions 爆炸 Malicious acts 惡意行為32.協(xié)會(huì)游艇保險(xiǎn)條款1985年11月1日 Institute Yacht Clauses (1/11/85)Named Perils Wording (指定保險(xiǎn)單) Theft of the entire

26、 Vessel or her boats, or outboard motors provided it is securely locked to theVessel or her boats by an anti-theft device in addition to its normal method of attachment, or,following upon forcible entry into the Vessel or place of storage or repair ,theft of machineryincluding outboard motors, gear

27、or equipment 偷竊整艘船舶或其救生艇、或其舷外掛機(jī)，假設(shè)其在通常的銜接方式之外，經(jīng)過某種防盜安裝平安地鎖定在船上或其救生艇上，或經(jīng)強(qiáng)行進(jìn)入船內(nèi)或積載或檢修場(chǎng)所，偷竊機(jī)器設(shè)備包括舷外掛機(jī)、船具或設(shè)備 Loss of or damage to the subject-matter insured, excepting motor and connections (but not strutshaft or propeller) electrical equipment and batteries and connections, caused by 除了發(fā)動(dòng)機(jī)及其接納但不包括軸架或推進(jìn)

28、器電器設(shè)備及電池接線之外，由于以下緣由所致的保險(xiǎn)標(biāo)的的滅失或損害 Latent defects in hull or machinery, breakage of shafts or bursting of boilers (excluding the costand expense of replacing or repairing the defective part broken shaft or burst boiler) 船殼或機(jī)器的潛在缺陷，尾軸斷裂或鍋爐破裂不包括改換或修繕有缺陷的零部件，斷裂的尾軸，破裂的鍋爐本身的費(fèi)用或破費(fèi)33.協(xié)會(huì)游艇保險(xiǎn)條款1985年11月1日 Insti

29、tute Yacht Clauses (1/11/85)Named Perils Wording (指定保險(xiǎn)單) The negligence of any person whatsoever, but excluding the cost of making good any defectresulting from either negligence or breach of contract in respect of any repair or alteration workcarried out for the account of the Assured and / or the

30、Owners or in respect of the maintenanceof the Vessel. 無論任何人的過失，但不包括修復(fù)任何缺陷的費(fèi)用此種缺陷是由于對(duì)有關(guān)被保險(xiǎn)人或船東履行其任何修繕或改換任務(wù)或有關(guān)船舶保養(yǎng)維修任務(wù)的過失或違約所致34.35.保單種類 Policy Forms All Risks Policy (一切險(xiǎn)) 一切險(xiǎn)保單保證一切除外責(zé)任以外的風(fēng)險(xiǎn)，列明風(fēng)險(xiǎn)的保單只是保證列明的風(fēng)險(xiǎn)Allrisks will pay any claim unless it is specifically EXCLUDED in the policy whereasthe named perils wording will only pay a claim unless it is specifically covered inpolicy wording. 船底檢查Bottom inspections 緊急救助費(fèi)用Emergency Expenses 對(duì)方未買保險(xiǎn)的船只Uninsured Boaters 預(yù)防措施Precautionary Measures 法律訴訟費(fèi)用Defense Coverage