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1、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 l
2、oss.,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/CoverageAs far as ocean marine
3、 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 th
4、e 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 Avera
5、ge,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
6、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 Ad
7、ditional 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
8、 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 Custom
9、s 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 premiu
10、m + 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, th
11、e 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
12、 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%
13、，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
14、 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.Sinc
15、erely 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 premiumCIF: 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-mode
16、l 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 premiumFOB: 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: Carri
17、age Paid to 运费付至. (suitable to multi-model transport),FOB， FAS， CFR， CPTUnder the ab,insure v.保险Please insure the goods(The goods are to be insured) against all risks and war risk（险别） for 110% of the invoice value(for the invoice value plus 10%)（保险金额）at the rate of （保险费率）with the Peoples Insurance C
18、ompany of China（保险公司）.,insure v.保险Please insur,insurance We will effect insurance (Insurance is to be effected) on 100 tons of wool（for the goods） against all risksfor 110% of the invoice valueat the rate of with the Peoples Insurance Company of China.,insurance,meet with 遭受，获得，得到,to meet with appro
19、val（同意）/ disapproval / opposition (反对) to meet with success / failure c.f. 比较to meet ones request 满足某人的要求,meet with 遭受，获得，得到to meet with,Useful Phrases：This order is placed on a CFR basis 这批货是按CFR价订购的。at your end 在你地（由你方）insure the goods against All Risks at invoice value plus 10% 按发票金额加10%将货物投保一切险m
20、eet with your approval 得到你方同意,Useful Phrases：This order is,Letter 2 (Reply),Letter 2 (Reply),Dear Sirs,Your Order No. 1004 for 500 Cases ToysWe have received your letter dated July 20 requesting us to effect insurance on the captioned shipment for your account.,Dear Sirs,We are pleased to inform you
21、 that we have covered the above shipment with the Peoples Insurance Company of China against All Risks for USD 5,500.00. The policy is being prepared accordingly and will be forwarded to you by the end of the week together with our debit note for the premium.For your information, we are making arran
22、gements to ship the 500 cases of toys by s.s. “Yufeng”, sailing on or about August 10.Sincerely yours,We are pleased to inform you t,cover1) n. 保险insurance cover保险Does your policy provide adequate cover against breakage?你们的保单是否提供适当的破碎险？ 2) v.保险，投保 作及物动词，宾语可以是所保货物、投保险别、insurance和被保险人。We shall cover t
23、he goods against all risks.对此货投保Insurance is to be covered by the buyer.保险应由买方办理。This insurance covers us against breakage.这份保单为我们保了破碎险。to cover additional risks 投保附加险别,cover1) n. 保险insurance cov,Useful phrases:acknowledge receipt of 兹收到effect insurance 办理保险cover the shipment with PICC against All R
24、isks for (amount)向中国人民保险公司投保一切险,投保金额为,Useful phrases:,Letter 3 (Informing Details of Insurance),Letter 3,Dear Sirs,Insurance on Your Order No.25We have received your letter of September 15 and have carefully noted you request that the insurance on your Order No. 25 for Fancy Leather Goods be effecte
25、d at this end.,Dear Sirs,Our record shows that your order was booked on the basis of CFR, amounting to USD40,000.00 for shipment in October. As requested by you, we shall cover your order against All Risks and War Risk for full invoice value plus 10%. This is our usual practice, which is acceptable
26、to most of our customers. As for Shortage Risk, it is included in All Risks according to Ocean Marine Cargo Clauses of the PICC; therefore, it is not necessary to cover it separately.,Our record shows that your ord,If you require insurance to be covered according to Institute Cargo Clause, we shall
27、be pleased to comply, but you have to bear the difference in premium if any.The PICC charges premium at lower rates, so it is to your advantage to have your orders insured with the PICC. In future, we shall make offers to you on CIF basis.,If you require insurance to be,The insurance policy will be
28、sent to you through the bank together with other shipping documents after negotiation of the L/C. In the meantime, we are making arrangement to dispatch your order and will keep you informed as soon as shipment is effected.Yours sincerely,The insurance policy will be s,Letter 4 (Reply to an Inquirin
29、g about Insurance),Letter 4 (Reply to an Inquiri,Dear Sirs,Referring to your letter of May 5 inquiring about the insurance on your order, we wish to inform you that for goods sold on CIF basis, our company will cover against All Risks and War Risk for 110% of the invoice value. If you want to insure
30、 broader coverage, the extra premium will be borne by you. The insurance shall terminate when the goods are delivered to the consignees warehouse at the destination named in the policy. The cover is limited to 60 days upon discharge of the insured goods from sea-going vessel at the final port of dis
31、charge before the insured goods reach the consignees warehouse.,Dear Sirs,Our underwriter, the PICC, enjoys high reputation for settling claims promptly and equitably. Should any damage to the goods occur, a claim may be lodged with the insurance agent at your end, who will undertake to compensate y
32、ou for the loss sustained. For further particulars, please contact the PICC or its agent at your end.Sincerely yours,Our underwriter, the PICC, enj,Letter 5 (Inquiring about the Insurance Premium Rate),Letter 5 (Inquiring about the,Dear Sirs,We shall shortly have a consignment of cameras, valued at
33、30000.00 CIF Quebec, to be shipped from Manchester by a vessel of Manchester Liners Ltd.We wish to cover the consignment against all risks from our warehouse at the above address to the port of Quebec. Will you please quote your rate for the cover?Sincerely Yours,Dear Sirs,Exercise,Exercise,1.请注意上述货
34、物须在6月15日前装运，并按发票金额150投保综合险。我们知道按一般惯例，你们只按发票金额110投保，因此额外保险费将由我们负担。2. 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110投保了水渍险。保险费率是所申报金额的1.5%。,1.请注意上述货物须在6月15日前装运，并按发票金额150,3. 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。4. 我们最近将有一批价值100,000美元的机床，成本加保险加运费到伦敦，预备由中国远洋运输集团公司的船只从新港起运。我们希望这批货物从上述地址至伦敦投保一切险。请报保险费率。,3. 如你方希望
35、将货物投保综合险。我们可以代为投保，但保费稍,5. 我们定期由客、货班轮运送瓶装雪利酒到澳大利亚。请问贵公司能否为这批货物签发一切险保单，如果能行，依据什么条款。我们特别想知道，如果我们答应定期按月装运，你们能否给我们特别保率。,5. 我们定期由客、货班轮运送瓶装雪利酒到澳大利亚。请问贵公,6如果货物发生损坏，你方可在货物到达目的港30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。7. 我们很遗憾得知你方货物在运输途中受损，保险公司将按照投保险别赔偿损失。,6如果货物发生损坏，你方可在货物到达目的港30天内凭公证行,8. 保险索赔应在货物到达目的港30天内提交保险公司或其代理商。9. 如果货物发生损失，你方可凭检验报告与你处保险代理联系并提出保险索赔。,8. 保险索赔应在货物到达目的港30天内提交保险公司或其代理,
