全英实务(8)ppt课件

Chapter8CargoTransportInsurance,1,Keypoints:,Basicconcepts:insurer,insured,underwriter,applicant.Risks:PerilsoftheSea2.or60daysafterunloading.,返回目录,15,b.Additionalrisks(attachedrisks),Thesekindsofriskscantbecoveredindependently;theyshallbeunderwrittendependingononeofthebasicrisks.1).Generaladditionalrisks(11conditions)2).Specialadditionalrisks(8conditions),16,1)Generaladditionalrisks11generalconditionstobecoveredbyAllRisks,1.Clash&breakage/碰损破碎险2.Taintofodor/串味险3.Freshwater&/orraindamage/淡水雨林险4.T.P.N.D.Theft,pilferageandnon-delivery/偷窃、提货不着险5.Shortage/短量险6.Leakage/滲漏险7.Intermixture&contamination/混杂玷污险8.Hookdamage/钩损险9.Sweatandheating/受潮受热险10.Rust/锈损险11.Breakageofpacking/包装破碎险,17,2)Specialadditionalrisks9specialconditions,BesidesAllrisks,thefollowingrisksshouldbeboughtinaddition:1.Warrisks/战争险directlossonlyonboardofshiporlighter,butnotforlossofatombomb.2.Strikerisks/罢工险directloss&generalaverageofit3.Aflatoxin/黄曲霉素险4.Failuretodeliver/交货不到险nodeliveryafter6months5.Ondeckrisks/舱面险6.Importdutyrisk/进口关税险totaldutyfordamagedgoods.7.Rejectionrisk/拒收险rejectedbyimportinggovernmentF.R.E.C.(FireRiskExtensionClauseathongKong)/港澳存仓险火险扩展条款9.Piraterisks/海盗险,18,Calculationofinsuredamount,RateofInsuredAddition:CIForCIPx10%Insuredamount=CIF(orCIP)x(1+10%)IfitisanimportconsignmentunderFOBterm:Insuredamount=FOB(orFCA)x(1+transportrate+insuredrate)Ifconsignmentpriceandfreightisgiven(CFRorCPT):CIF(CIP)=CFR(orCPT)/1-【Insuredratex(1+10%)】Premium=CIF(orCIP)x(1+10%)xPremiumrate,19,Exercises,Shanghai-VWAutoJointventurewillexportcarstoAdenYemenunderCIFterm.Thesalescontractsaysasfollowing:Insurance:Tobecoveredbythesellerfor110%oftotalinvoicevalueagainstAllRisks,Warrisksandpiraterisks.TheinvoicevalueisEUR1,500,000CIFAdentherateofAllRisksis0.8%,therateofWarrisksis0.13%,andthepiraterateis0.5%.Plscalculatetheinsuredamountandthepremium.Ifthepiraterateisincreasedto5%,howmuchisthepremium?,20,Insuredamount=CIF(CIP)x(1+10%)Premium=CIF(CIP)x110%xPremiumrate,Insuredamount=EUR1,500,000 x(1+10%)=EUR1,650,000Premium=InsuredamountxPremiumrate=1,650,000 x(0.8%+0.13%+0.5%)=1,650,000 x1.43%=EUR23,595Ifpiraterateischangedto5%:Newpremium=1,650,000 x(0.8%+0.13%+5%)=1,650,000 x5.93%=EUR97,845,21,Waystomaketheinsuranceclause,保险由卖方按发票金额的0.4%投保平安险（水渍险/一切险）,以中国人民保险公司2008年11月的有关海洋运输货物保险条款为准。Insurance:Tobecoveredbythesellerfor0.4%oftotalinvoicevalueagainstF.P.A.(W.P.A./AllRisks),asperandsubjecttotherelevantoceanmarinecargoclausesofPeoplesInsuranceCompanyofChina,datedNov.2011.Additionalrisks附加险条款举例：加保战争险，费率0.03%；短量险，费率0.02%,短量免赔率0.5%.IncludingWarRisksfor0.03%andshortageofweightfor0.02%inexcessof0.5%.,22,Summary:,ConceptsaboutinsurancePerilsofthesea&ExtraneousrisksTotalloss:ActualTotalLoss&ConstructiveTotalLossPartialloss:GeneralAverage&ParticularAverage3BasicRisksofCIC:F.P.A.,W.P.A.,Allrisks11Generaladditionalrisks&9SpecialadditionalrisksofCICCalculationofinsuredamountandpremiumHowtomaketheinsuranceclause,23,I.Singlechoicequestions.1.Thepersonwhoentersintoaninsurancecontractwithinsureriscalled()A.theinsuredB.underwriterC.brokerD.agent2.UsuallytheminimumamountinsuredshouldbetheCIFvalueofthegoodsplus()A.40%B.30%C.20%D.10%3.WhichofthefollowingrisksisnotcoveredinFPAcoverage?()A.generalaverageB.fireC.salvagechargesD.war4.WhichofthefollowingrisksisnotcoveredinAllRiskscoverage?()A.naturalcalamitiesB.strikeC.fireD.collision,24,5.Whichofthefollowingcoveragedoesnotcoverpartiallossordamageresultingfromnaturalcalamities?()A.W.P.A.B.F.P.A.C.AllrisksD.InstituteCargoClause6.Damagetocargoesunavoidablyincurredinthecourseoffire-fightingoperationscanberegardedas().A.particularaverageB.generalaverageC.partiallossD.totalloss7.Thetermcargoinsuranceappliesto()transportation.A.marineB.airC.landD.allofthethree,25,8.The()referstothepersonwhopaysthepremium.A.insurerB.insuredC.freightforwarderD.insurancebroker9.“ParticularAverage”isdescribedinthepolicyas“fortuitous()loss”.A.partialB.totalC.intentionalD.accidental10.FPAprovidesamorelimitedcoverthanWPAsinceitdoesnotinclude()lossesanddamagesfromnaturalcalamities.A.partialB.totalC.generalD.accidental,26,11.FPAisnotsuitablefor()cargo,whichcansufferlossesordamagebypilferageorbreakageofcontents.A.bulkB.unpackedC.generalD.common12.WAmeanswith“()”bothfrom“GeneralAverage”and“ParticularAverage”.A.partiallossB.totallossC.averagelossD.average13.Warrisksdifferfromstrikes,riotsorcivilcommotioninthatitexcludesthegoodsintransit().A.byseaB.byairC.onthelandD.byinlandwaterway,27,14.WarRisksareaddedtothe()insurancecover.A.generalB.particularC.averageD.main15.FPA()contributiontoGeneralAverage.A.isexcludedB.isincludedC.excludesD.includes16.WhichofthefollowingrisksarecoveredbytheAllRiskscoverageofPICCOceanMarineCargoClauses.()A.WarandFireB.StrikeanddelayC.AflatoxinandondeckDHeavyweatherandfire,28,17.Whichofthefollowingcoveragedoesnotcoverpartiallossofdamageresultingfromnaturalcalamities.()A.WPAB.FPAC.ICC(B)D.ICC(A)18.()definedaslossarisingintheconsequenceofextraordinaryandintentionalsacrificemade,orexpenseincurred,forthecommonsafetytotheshipandcargo.A.ParticularaverageB.GeneralaverageC.WithoutaverageD.Withaverage19.WhichofthefollowingrisksisnotcoveredbytheAllRiskscoverageofmarinecargotransportationinsurance().A.delayB.floodC.lightingD.heavyweather,29,20.Thegeneralguidingrateoftheinsurancepremiumis()oftheamountinsured.A.0.5%B.1%C.2%D.10%21.Ininternationaltrade,theinsuredamountisoftenthe()valueoftheconsignmentplus10%.A.FOBB.CFRC.CIFD.DDU22.W/Wclauseistheliabilitiescommencementandterminationperiodof()A.carrierB.shipperC.consigneeD.insurance,30,II.Multiplechoicequestion(chooseatleasttwoanswerswhicharecorrectinthefollowings).Whichofthefollowingprinciplesareapplicabletomarinecargoinsurance?A.insuranceinterestB.utmostgoodfaithC.indemnityD.allrisks2.WhichofthefollowingrisksarecoveredinAllRiskcoverage?A.warrisksB.strikerisksC.rustrisksD.shortagerisks,31,3.Thepremiumratesmayvarydependingonfactorssuchas()A.typeofgoodsB.valueofthegoodsC.modeoftransportationD.typeofriskscovered4.Whichofthefollowingrisksbelongtothegeneraladditionalrisks.()A.FPAB.WPAC.leakagerisksD.intermixtureandcontaminationrisks5.InstituteCargoClause(B)coverslossordamagetocargocausedby().A.earthquakeB.volcaniceruptionC.lightingD.fireorexplosions,32,6.Principlesofmarinecargoinsuranceinclude()A.premiumB.insurableinterestC.indemnityD.utmostgoodfaith7.ThepremiumratesmayvarydependingonfactorssuchasA.modeoftransportationB.typeofgoodsC.valueofthegoodsD.containerorbulkshipment8.AllRisksprovideinsuranceagainstallrisksoflossordamagetothecargoinsuredexceptforthosedamagesorlosseswhicharedueto().A.earthquakeB.delayC.strandingD.inherentvice,33,9.Insuranceisessentiallyacontractbetweentwoparties,namely()A.theinsurerandtheinsuredB.theimporterandtheexporterC.theinsurancecompanyandtheownerofcargoD.theinsurancebrokerandtherepresentativeactingonbehalfoftheowner10.Partiallossesincurredasaresultofspecificcasualtiessuchas()arecoveredinFPA.A.burningofthevesselB.lightingC.strandingD.sinking11.Thebasictypesofinsurancecoverageinclude().A.FPAB.WPAC.ARD.WarRisks,34,12.ICC(B)coverslossofordamagetocargocausedby().A.earthquakeB.groundingC.lightingD.fireorexplosions13.AllRisksofmarinecargotransportationinsurancecoversrisksof()A.warandstrikeB.generalaverageC.inherentviceofgoodsD.strandingofship14.UnderCIF,iftheB/LisissuedonJuly20th,theinsurancepolicycanbeissuedon().AJuly10thBJuly15thCJuly20thDJuly21st,35,15.()arethepartiesofinsurancecontract.A.InsurerB.InsurancebrokerC.InsuredD.Insuranceagent16.()canbesolelycovered.A.FPAB.WPAC.TPNDD.Allrisks,36,17.()arecoveredinAllriskscoverage.A.warrisksB.strikerisksC.rustrisksD.shortagerisks18.W/WClauseissuitableto().A.FPAB.TPNDC.WarRisksD.StrikeRisks19.Whenchoseinsurancecoverage,theinsuredshouldconsider().A.thecharacteristicsofthecargoB.thepackingofthecargoC.thetransportationmodeandrouteD.theportofcall,37,III.Trueorfalse.1.Cargoinsuranceisacontractofindemnity.()2.Insurancepolicyisanevidenceofinsurancecontractissuedbytheinsurertotheunderwriters.()3.Insurancepolicyorcertificateandendorsementarethemainonesusedindailymarinecargoinsurancebusiness.()4.GeneralaverageandsalvagechargesarenotcoveredinFPAcoverage.(),38,5.AllRiskcoversrisksofwar,strikeandotherspecialadditionalrisks.()6.ThereisnodifferencebetweenICCandPICCclauses.()7.Itisunnecessaryforafreightforwardertoadvisehisclientstoinsuretheircargoortocheckwiththemifheisnotinstructed.(),39,8.Underno