保险 外贸函电

insurance

——保险080520110018柳梅芳目录(catalog)theDefinitionofinsuranceTypes

of

insuranceGeneralAdditionalRiskandSpecialAdditionalRisksInsurancePolicypartone

Whatisinsurance?●Anarrangementwithacompanyinwhichyoupaythemmoneyeachyearandtheypaythecostsifanythingbadhappenstoyou,suchasanillnessoranaccident.●Protectionagainstsomethingbadhappening.parttwoTypes

of

insuranceTypesofinsurance1Autoinsurance车险2Homeinsurance房屋保险3Healthinsurance健康保险4Accident,sicknessandunemploymentinsurance事故、疾病、事业保险5Casualtyinsurance意外事故险5Casualtyinsurance意外事故险6Lifeinsurance人寿保险7Propertyinsurance财产保险8Liabilityinsurance责任保险9Creditinsurance信用保险信贷保险10Cargotransportinsurance货物运输保险11Othertypespartthree

GeneralAdditionalRiskandSpecialAdditionalRisks

GeneralAdditionalRiskGeneraladditionalriskscoverlossescausedbyextraneousrisksandcanbeclassifiedintofollowingtypes:1.TheftPilferageandNon-Delivery,T.P.N.D.偷窃、提货不到险；2.RainFreshWaterDamage,F.W.R.D.淡水雨淋险；3.RiskofShortage短量险；4.RiskofIntermixtureandContamination混杂、玷污险；5.RiskofLeakage渗漏险；6.RiskofClashandBreakage碰损、破碎险；7.RiskofOrdour串味险；8.DamageCausedbysweatingandHeating受潮受热险；9.HookDamage钩损险；10.LossandDamageCausedbyBreakageofPacking包装破裂险；11.RiskofRust锈损险.SpecialAdditionalRisksSpecialadditionalriskscoverlossescausedbyspecialextraneousrisks.Normallytheyareclassifiedintofollowingtypes:1.WarRisks战争险;2.Strikerisks罢工险;3.Aflatoxin黄曲霉素险;4.Failuretodeliver交货不到险;5.OnDeck舱面险;6.ImportDuty进口关税险;7.Rejection拒收险;8.FireRiskExtensionClause,F.R.E.C.——forstorageofcargoatdestinationHongKong,includingKowloon,orMacao货物出口到香港（包括九龙）或澳门存仓火险责任扩展条款。partfourInsurancePolicy

StatementsintheInsurancePolicy1．Thepolicyholdershallsubmitaclaimwithin30daysofanylossordamagetothepropertyinsured.

保险单持有人应在受保险财产遭到损失或损坏后30天内提出索赔。2．Premiumwillbeaddedtoinvoiceamounttogetherwithfreightcharges.

保险费将同运费一并计入发票金额。3．Claims,ifany,payableonsurrenderofthisPolicytogetherwithotherrelevantdocuments.IntheeventofaccidentwherebylossordamagemayresultinaclaimunderthisPolicy,immediatenoticeapplyingforsurveymustbegiventothecompany’sAgentasmentionedhereunder.

所保货物，如遇出险，本公司凭本保险单及其他有关证件给付赔款。所保货物，如发生本保险单项下负责赔偿的损失或事故，应立即通知本公司下述代理人查勘。4.CoveringW.AandSRCCincludingW/WclauseasperandsubjecttotherelevantOceanMarineCargoClausesofThePeople’sInsuranceCompanyofChinadated1/1.1981.

根据中国人民保险公司1981年1月1日海洋货物保险条款投保水渍险和罢工、暴动、民变险，保险期限采用仓至仓条款。

SomeTermsofInsurancePolicyintheL/C1．InsurancePolicy/Certificateendorsedinblankforfullinvoicevalueplus10%markedPremiumpaidUSDXXX.

该条款要求保险单或保险凭证空白背书，按发票金额的110%投保，注明已付保费XXX美元。2．InsurancePolicy/Certificateendorsedinblankfor110%ofinvoicevaluecoveringAllRisks&WarRisksasperCICwithclaimspayableatXXXinthecurrencyofdraft(irrespectiveofpercentage),including60daysafterdischa