ch11 Insurance

1、Lecturer: Yangwei1 1 货运运输风险和损失类型货运运输风险和损失类型1.1 1.1 货运风险货运风险- - 自然灾害：自然灾害：如恶劣气候、雷电、洪水、地震、海啸如恶劣气候、雷电、洪水、地震、海啸等风险，影响运输工具和运输货物风险等风险，影响运输工具和运输货物风险- - 意外事故：意外事故：如搁浅、触礁、沉没、碰撞、失火、爆如搁浅、触礁、沉没、碰撞、失火、爆炸等运输工具所遭遇的意料之外的事故炸等运输工具所遭遇的意料之外的事故- - - 外来风险：外来风险： 一般一般外来风险外来风险：如偷窃、钩损、雨淋、串味、短缺：如偷窃、钩损、雨淋、串味、短缺等等特别或特殊特别或特殊外来风险

2、外来风险：如战争、罢工、拒收、交货：如战争、罢工、拒收、交货不到、黄曲霉毒素险等不到、黄曲霉毒素险等2SHOU Yangwei1.2 1.2 损失类型：损失类型：全损和部分损失全损和部分损失全损全损部分损失部分损失3共同海损共同海损 general averagegeneral average单独海损单独海损 particular averageparticular averageSHOU Yangwei实际全损实际全损 actual total lossactual total loss推定全损推定全损 constructive total lossconstructive total lo

3、ss实际全损：实际全损：货物的全部灭失，如焚毁、深入海底或已收货物的全部灭失，如焚毁、深入海底或已收去原有的性质和用途，如食品变质等。去原有的性质和用途，如食品变质等。推定全损推定全损：指实际全损已不可避免，或受损货物残值，指实际全损已不可避免，或受损货物残值，如果加上施救、整理、修复、续运至目的地的费用之和如果加上施救、整理、修复、续运至目的地的费用之和超过其抵达目的地的价值时，视为已经全损。超过其抵达目的地的价值时，视为已经全损。共同海损：共同海损：货物在运输途中因自然灾害及意外事故造成货物在运输途中因自然灾害及意外事故造成的损失。为了保证同一航程中遇险财产的共同安全和免的损失。为了保证同

4、一航程中遇险财产的共同安全和免除危险所作出的有意而又合理的特殊牺牲或支出的特殊除危险所作出的有意而又合理的特殊牺牲或支出的特殊的费用。的费用。单独海损：单独海损：属于特定方面的损失，并不涉及其他货主及属于特定方面的损失，并不涉及其他货主及船方。船方。4returnSHOU Yangwei3 3 教材中所列的各种险别：教材中所列的各种险别：P203P2034 4 保险条款保险条款4.1 CIC4.1 CIC保险条款（保险条款（China Insurance ClausesChina Insurance Clauses）- - 参见参见P204P2044.2 ICC4.2 ICC保险条款（保险条款

5、（the Institute Cargo Clausesthe Institute Cargo Clauses） 指伦敦保险业协会货物保险条款指伦敦保险业协会货物保险条款 简单介绍简单介绍- - 用英文字母用英文字母A,B,CA,B,C表示一切险表示一切险,水渍险和平安险水渍险和平安险- - 增加了承保陆上风险的规定，如增加了承保陆上风险的规定，如B,CB,C条款承保由于陆上运输条款承保由于陆上运输工具的颠翻、出轨、碰撞引起的货损以及湖水、河水侵入工具的颠翻、出轨、碰撞引起的货损以及湖水、河水侵入船舶造成的损害船舶造成的损害- - 独立投保的保险条款。除独立投保的保险条款。除A,B,CA,B,

6、C条款外，还有协会战争险条款条款外，还有协会战争险条款,罢工险条款罢工险条款,恶意损害险条款恶意损害险条款,均可独立投保均可独立投保,或在投保了或在投保了A,B,CA,B,C条款后加保条款后加保5SHOU Yangwei通财保险有限公司通财保险有限公司 海运货物保险单海运货物保险单保单编号：保单编号：投保人：投保人： 赔款支付人：赔款支付人：保险金额：保险金额：运输工具及名称：运输工具及名称：发货港：发货港：_所经港口目的港：所经港口目的港：_ 承保内容：承保内容： 条件：条件： 根据根据1982年年1月月1日修订的协会货物条款（日修订的协会货物条款（A） 根据根据1982年年1月月1日修订的

7、协会货物条款（日修订的协会货物条款（B） 根据根据1982年年1月月1日修订的协会货物条款（日修订的协会货物条款（C） 根据根据1982年年1月月1日修订的协会货物条款（战争险）日修订的协会货物条款（战争险） 根据根据1982年年1月月1日修订的协会货物条款（罢工险）日修订的协会货物条款（罢工险） （一般条件和条款）（一般条件和条款） 保险单签署地点日期保险单签署地点日期 投保地点投保地点 通财保险有限公司代表通财保险有限公司代表 - 授权签名授权签名6SHOU Yangwei3 3 保险单保险单: P210: P2104 4 例函例函4.1 P2054.1 P205请求出口商代为投保请求出口

8、商代为投保4.2 P216(4.2 P216(上上) )写信给保险公司要求投保写信给保险公司要求投保7SHOU Yangwei4.3 4.3 补充阅读材料：要求特惠保率补充阅读材料：要求特惠保率Dear Sirs,Dear Sirs,We regularly ship consignments of Qingdao Beer to Sydney, Australia by both passengers We regularly ship consignments of Qingdao Beer to Sydney, Australia by both passengers and cargo

9、 liners of the International Shipping Line. Will you please inform us whether and cargo liners of the International Shipping Line. Will you please inform us whether you can issue an all-risks policy for these shipments and, if so, on what terms. In you can issue an all-risks policy for these shipmen

10、ts and, if so, on what terms. In particular we wish to know whether you can issue a special rate for the promise of regular particular we wish to know whether you can issue a special rate for the promise of regular monthly shipments. monthly shipments. 4.4 P216(4.4 P216(下下) )保险公司的回信保险公司的回信SHOU Yangw

11、ei84.5 4.5 补充阅读材料：保险公司要求取消破碎险补充阅读材料：保险公司要求取消破碎险Dear Sirs,Dear Sirs,Additional Risk of BreakageAdditional Risk of BreakageWe refer to your L/C No.157 covering Glazed Wall Tiles, which we have just received. We refer to your L/C No.157 covering Glazed Wall Tiles, which we have just received. Please be

12、 informed that for this article we do not cover Breakage. You have to, therefore, delete the word Please be informed that for this article we do not cover Breakage. You have to, therefore, delete the word “Breakage” from the insurance clause in the credit.“Breakage” from the insurance clause in the

13、credit.Furthermore, we wish to point out that for such articles as windows glass, porcelains, etc., even if additional Furthermore, we wish to point out that for such articles as windows glass, porcelains, etc., even if additional Risk of Breakage has been insured, the cover is subject to a franchis

14、e of 5%. In other words, if the breakage Risk of Breakage has been insured, the cover is subject to a franchise of 5%. In other words, if the breakage is surveyed to be less than 5%, no claims for damage will be entertained.is surveyed to be less than 5%, no claims for damage will be entertained.We

15、trust that the position is now clear. Please fax the amendment at your earliest convenience. We trust that the position is now clear. Please fax the amendment at your earliest convenience. 9SHOU Yangwei4.6 P2154.6 P215出口商通知有关保险事宜出口商通知有关保险事宜4.7 P2084.7 P208出口商回应对方要求代为投保事宜出口商回应对方要求代为投保事宜4.8 P2064.8 P2

16、06通知进口商已按其要求投保通知进口商已按其要求投保( (并告知货物即并告知货物即将装出将装出) )4.9 P2074.9 P207进口商通知对方货物已损坏，并要求代为进口商通知对方货物已损坏，并要求代为索赔索赔10SHOU Yangwei课后习题课后习题1. 1.请注意上述货物须在请注意上述货物须在6 6月月15 15日前装运，并按发票金额日前装运，并按发票金额150%150%投保综合险。我投保综合险。我们知道按一般惯例，你们只按发票金额们知道按一般惯例，你们只按发票金额110%110%投保，因此额外保险费将由投保，因此额外保险费将由我们负担。我们负担。Please see to it th

17、at the above goods must be shipped before June 15th and be covered/insured for 150% of Please see to it that the above goods must be shipped before June 15th and be covered/insured for 150% of the invoice value against All Risks. We know that your usual practice is to insure for 110% of the invoice

18、the invoice value against All Risks. We know that your usual practice is to insure for 110% of the invoice value; therefore, the extra premium will be for our account.value; therefore, the extra premium will be for our account.2. 2.有关保险的索赔案件应尽快提交保险公司或其代理商以便使他们有足够有关保险的索赔案件应尽快提交保险公司或其代理商以便使他们有足够时间去向造成

19、过错的有关方面进行追偿。时间去向造成过错的有关方面进行追偿。Insurance claims should be submitted to insurance companies or agents as soon as possible to enable them Insurance claims should be submitted to insurance companies or agents as soon as possible to enable them to get recourse from the relative parties in fault with ampl

20、e time.to get recourse from the relative parties in fault with ample time.11SHOU Yangwei3. 3.我们遗憾地通知你们，发票所列第我们遗憾地通知你们，发票所列第8 8箱，内装箱，内装10 10台打字机，在货到达时，台打字机，在货到达时，其中其中8 8台严重受损。现附上上海商品检验局所签发的检验证明和船公司台严重受损。现附上上海商品检验局所签发的检验证明和船公司代理人的报告书，想必你方在解决我们上述代理人的报告书，想必你方在解决我们上述30003000美元的索赔方面，不会美元的索赔方面，不会有困难。有困难。We

21、 feel regretful to inform you that eight We feel regretful to inform you that eight typewriters in typewriters in Case No.8 Case No.8 invoiced as containing ten were invoiced as containing ten were heavily damaged. heavily damaged. Enclosed Enclosed are the inspection certificate and the report issu

22、ed by Shanghai Commodity are the inspection certificate and the report issued by Shanghai Commodity Inspection Bureau and the forwarding Inspection Bureau and the forwarding agent respectivelyagent respectively. It is to be supposed that you have no difficulty . It is to be supposed that you have no

23、 difficulty in settling the above claim for US$3000.in settling the above claim for US$3000.4. 4. 在没有得到你方明确的保险要求情况下，我们按惯例把你所订购之货在没有得到你方明确的保险要求情况下，我们按惯例把你所订购之货按发票金额按发票金额110%110%投保了水渍险。投保了水渍险。As per normal, we have covered (on) your ordered goods for 110% of the invoice value against WPA As per normal

24、, we have covered (on) your ordered goods for 110% of the invoice value against WPA without your definite insurance requirements.without your definite insurance requirements.12SHOU Yangwei5. 5. 如你方希望将货物投保综合险，我们可以代为投保，但保如你方希望将货物投保综合险，我们可以代为投保，但保费稍高，保费差额由你方负担。费稍高，保费差额由你方负担。We could insure for you if y

25、ou are desirous of covering against All Risks, but the We could insure for you if you are desirous of covering against All Risks, but the premium is a little bit higher and the extra expense will be borne by you. premium is a little bit higher and the extra expense will be borne by you. 6. 6. 如果货物发生

26、损坏，你方可在货到达目的港如果货物发生损坏，你方可在货到达目的港30 30天内凭公证天内凭公证行的检验报告与你处保险代理行联系并向他们提出索赔。行的检验报告与你处保险代理行联系并向他们提出索赔。Should any damage to the goods occur, Should any damage to the goods occur, you may connect the insurance agent at your end you may connect the insurance agent at your end and file a claim against them w

27、ith and file a claim against them with the surveyors report within 30 days after the arrival of the surveyors report within 30 days after the arrival of goods at the port of destination.goods at the port of destination.13SHOU Yangwei7. 7. 如货物在到达目的港后需立即转运至内陆城市或如货物在到达目的港后需立即转运至内陆城市或其他港口，我们可以代你方投保内陆险，额

28、外保费其他港口，我们可以代你方投保内陆险，额外保费将记在你方账上。将记在你方账上。We could insure against Inland Risk on your behalf (for you), if the goods We could insure against Inland Risk on your behalf (for you), if the goods are to be transshipped to an inland city or other ports after their arrival at are to be transshipped to an i

29、nland city or other ports after their arrival at the port of destination and the extra premium will be for your account.the port of destination and the extra premium will be for your account.14SHOU Yangwei补充习题补充习题1.Translate the following letter into English.1.Translate the following letter into Eng

30、lish. 关于我们购货确认书关于我们购货确认书345345号项下的号项下的50005000条白兔牌毛毯，条白兔牌毛毯，现通知你方，我们已由现通知你方，我们已由 银行开立了保兑的、不可银行开立了保兑的、不可撤销的信用证撤销的信用证789789号，总金额为号，总金额为 美元，有效期至美元，有效期至8 8月月31 31日为止。日为止。 请注意上述货物必须在请注意上述货物必须在8 8月底前装运，保险须按发票月底前装运，保险须按发票金额的金额的130%130%投保一切险。我们知道，按照你们的一般惯投保一切险。我们知道，按照你们的一般惯例，你们只按发票金额另加例，你们只按发票金额另加10%10%投保，因

31、此额外保险费投保，因此额外保险费由我方负担。由我方负担。 请按我方要求洽办保险，我方等候你方的装船通知。请按我方要求洽办保险，我方等候你方的装船通知。15SHOU YangweiWe We refer to your Purchase Confirmation No.345 for 5000 pieces of “White Rabbit” Blanket. We refer to your Purchase Confirmation No.345 for 5000 pieces of “White Rabbit” Blanket. We are informing that we have opened through bank a confirmed, irrevocab