Click to edit Master title style,Click to edit Master text styles,Second level,Third level,Fourth level,Fifth level,Unit ElevenInsurance,保险,Unit ElevenInsurance保险,Losses in Marine Cargo Transport,Total Loss,全部损失,Actual Total Loss,实际全损,Constructive Total Loss,推定全损,2.Partial Loss,部分损失,General Average(G.A.),共同海损,Particular Average(P.A),单独海损,Average*,*In insurance,it is an anglicised translation of a French meaning,loss,.,Losses in Marine Cargo Transpo,According to China Insurance Clauses(CIC),coverage of insurance is mainly classified into:,Major/Basic risks,（基本险）,Additional risks,（一般附加险）,Special risks,（特殊附加险）,Extraordinary risks,（其他特殊附加险）,According to China Insurance C,Insurance Cover/Coverage,As far as ocean marine cargo insurance is concerned,major risks,（基本险）,include(under PICC Clause):,1.Free from Particular Average(F.P.A),平安险,2.With Particular Average(W.P.A),水渍险,3.All Risks,一切险,Insurance Cover/CoverageAs f,Free from Particular Average(F.P.A),平安险,The most limited form of cargo insurance only covering the total losses caused in transit by natural calamities and general average arising from natural calamities as well as marine perils such as the ship being stranded,collided into a rock,sunk or burnt.No partial loss(particular average)can be indemnified by the insurer.,Free from Particular Average,With Particular Average(W.P.A),水渍险,Aside from the risks covered under the F.P.A condition,W.P.A also covers partial losses of the insured goods caused by heavy weather,lighting,tsunami,earthquake and/or flood.,水渍险的责任范围除了包括上列“平安险”的各项责任外，还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水等自然灾害所造成的部分损失。,With Particular Average(W.P.A,All Risks,一切险,Aside from the risks covered under the F.P.A and W.P.A conditions,All Risks also covers all losses caused by all the extraneous/external reasons in the course of transit.,一切险的责任范围除包括上列“平安险”和“水渍险”的所有责任外，还包括货物在运输过程中，因各种外来原因所造成保险货物的损失。,All Risks 一切险Aside from the,General Additional Risks,一般附加险,1)T.P.N.D.Theft,Pilferage and Non-Delivery,偷窃提货不着险,2)Fresh and/or Rain Water Damage,淡水雨淋险,3)Risk of Shortage,缺量险,(,或短量险,),4)Risk of Intermixture and Contamination Risks,混杂沾污险,5)Risk of Leakage,渗漏险,6)Risk of Clash and Breakage,碰损破碎险,7)Taint of Odor Risk,串味险,8)Damage Caused by Sweating and Heating,受潮受热险,9)Hook Damage,钩损险,10)Loss for Damage Caused by Breakage of Packing,包装破裂险,11)Risk of Rust,锈损险,General Additional Risks一般附加险,Special Risks:,特殊附加险,1)Failure to Delivery Risk,交货不到险,2)War Risk,战争险,3)Import Duty Risk,进口关税险,4)On Desk Risk,舱面险,5)Rejection Risk,拒收险,6)Aflatoxin Risk,黄曲霉险,7)Survey in Customs Risk,海关检验条款险,8)Survey in Jetty Risk,码头检验条款险,9)Strikes,Riots and Civil Commotions Risks,罢工、暴力、民变险,Special Risks:特殊附加险1)Failur,Insurance policy,（保险单）,is a contract of insurance between the insurer and the insured.,Premium,（保险费）,the insurance/,insured value(amount),（保险金额）,=cost+freight+Insurance premium+profit 110%of the invoice value (the invoice value plus 10%),Insurance policy（保险单）is a con,Insurance Clause of the Contract,The insurance clause in a S/C should specify the insured amount,and the risks to be covered by the insurer.,1)In the contracts under FOB,CFR,FCA and CPT trade terms,the buyer is to arrange insurance and pay premium.In the contract regarding insurance,，,it can only stipulates:,“,To be effected by the buyers”.,Insurance Clause of the Contra,2)In the CIF or CIP contract,the insurance clause can stipulate,：,Insurance to be covered by the sellers for 110%of the total invoice value against all risks and war risks,as per Ocean Marine Cargo Clauses and Ocean Marine Cargo War Risks Clauses of the Peoples Insurance Company of China.,2)In the CIF or CIP contract,Letter 1(Asking the Seller to Effect insurance),买方按,CFR,价格订购，但现在希望卖方代为安排保险事宜，写信告知保险要求：投保一切险，保险金额为发票金额加,10%,，保险费由买方承担。,Letter 1(Asking the Seller t,Dear Sirs,We wish to refer you to our Order No.1004 for 500 cases of toys,from which you will see that this,order is placed on a CFR basis,.,As we now desire to have the shipment insured,at your end,we shall be pleased if you will arrange to,insure the goods,on our behalf,against All Risks at invoice value plus 10%,i.e.USD 5,500.00.,Dear Sirs,We shall of course refund you the premium upon receipt of your debit note or,if you like,you may draw on us at sight for the amount required.,We sincerely hope that our request will,meet with your approval,.,Sincerely yours,We shall of course refund you,CIF,，,CIP,Under the above price terms,the seller has the responsibility to arrange insurance and pay the premium,CIF:Cost,Insurance,Freight,成本加运费加保险,(suitable to water or marine transport),CIP:Carriage and Insurance Paid to.,运费，保险费付至,.,(suitable to multi-model transport),CIF，CIPUnder the above price t,FOB,，,FAS,，,CFR,，,CPT,Under the above price terms,the buyer has the responsibility to arrange insurance and pay the premium,FOB:Free on Board,船上交货价,FAS:Free alongside the ship,船边交货价,CFR:Cost and Freight,成本加运费,(suitable to water or marine transport),CPT:Carriage Paid to,运费付至,.,(suitable to multi-model transport),FOB，FAS，CFR，CPTUnde