国际贸易实务-6INSURANCE

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 charges, S

2、alvage 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 CalamitiesHeavy

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

4、ksSpecial 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 intentional a

5、cts; 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 by the r

6、escued 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 the ships

7、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 party t

8、o 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 expensesCasen有一货轮在航

9、行中与流冰相撞。船身一侧裂口，舱内部分有一货轮在航行中与流冰相撞。船身一侧裂口，舱内部分乙方货物遭浸泡。船长不得不将船就近驶入浅滩，进行排乙方货物遭浸泡。船长不得不将船就近驶入浅滩，进行排水，修补裂口。而后为了浮起又将部分甲方笨重的货物抛水，修补裂口。而后为了浮起又将部分甲方笨重的货物抛入海中。乙方部分货物遭受浸泡损失了入海中。乙方部分货物遭受浸泡损失了3万美元，将船舶驶万美元，将船舶驶上浅滩以及产生的一连串损失共为上浅滩以及产生的一连串损失共为8万美元，则如何分摊损万美元，则如何分摊损失？（该船舶价值为失？（该船舶价值为100万美元，船上载有甲乙丙三家的货万美元，船上载有甲乙丙三家的货物，分

10、别为物，分别为50万、万、33万、万、8万美元，待收运费为万美元，待收运费为2万美元）万美元）有关各方有关各方获救价值获救价值（万美元）（万美元）分摊比例分摊比例分摊金额分摊金额（万美元）（万美元）船方船方1008190=4.21%4.21货方甲货方甲502.105货方乙货方乙33-3=301.263货方丙货方丙80.3368运费方运费方20.0842合计合计1907.999China Insurance Clause, CIC(PICC)CICMarine cargo insuranceRoad transportation cargo insurancePostal cargo insur

11、anceAir transportation cargo insuranceMarine cargo insuranceBasic RisksFPA, Free from particular average 平安险平安险Total loss of natural disasters;the total or partial loss under the accident WA/WPA, With particular average 水渍险水渍险FPA+ Partial loss of natural disastersAll risks 一切险一切险WA+ General addition

12、al risksAdditional RisksGeneral additional risks 一般附加险一般附加险11 kindsSpecial additional risks 特殊附加险特殊附加险Special RisksSellers contingent interest risks 卖方利益险卖方利益险Frozen products risks 冷藏险冷藏险Bulk woodoil risks 散装桐油险散装桐油险TPND, Theft, Pilferage and Non-deliveryFresh Water/ Rain DamageShortageIntermixture

13、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 Additiona

14、l 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 terminate at th

15、e 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 after the

16、 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 Institu

17、te 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 DocumentInsurance clause“

18、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 valuenInsurance company

19、 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 / UnderwriterpBenef

20、iciary / The insured policyholder pCoveragepInsured valuepInsured amountpPremium u14nCalculation of insurance nn某某批出口货物的批出口货物的CPT价值是价值是USD20000，如果按，如果按10%投保加投保加成，投保一切险，费率为成，投保一切险，费率为1.5，加保战争险和罢工险，费率，加保战争险和罢工险，费率均为均为0.5 n问：货物的问：货物的CIP价值是多少？价值是多少？ 保险金额是多少？保险金额是多少？ 保险费是多少？保险费是多少？nAbandonmentWhen the su

21、bject-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 pay compensa

22、tion 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 loss , in

23、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的价格的价格对外出口一批货物对外出口一批货物，然，然货物在运往装运港过程中遭遇了承包责任范围内风险致使货货物在运往装运港过程中遭遇了承包责任范围内风险致使货物发生损失，我方遂向保险公司提出索赔，保险公司应该如物发生损失，我方遂向