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1、伦敦保险协会货物保险条款（年月日修订）（一）伦敦保险协会货物条款（）（仅供新的海上保险单格式使用）承保范围风险条款本保险承保除下列、各条规定除外责任以外的一切风险所造成保险标的的损失。 1. This insurance covers all risks of loss of or damage to the subject-matter insured except as provided inClauses 4 5 6 and 7 below共同海损条款本保险承保共同海损和救助费用，其理算或确定应根据运输契约和或有关法律和惯例办理。该项共同海损和救助费用的产生，应为避免任何原因所造成的或与
2、之有关的损失所引起的，但下列、各条或本保险其他条款规定的不保责任除外。2. This insurance covers general average and salvage charges adjusted or determined according to the contractof affreightment and/or the governing law and practice incurred to avoid or in connection with the avoidanceof loss from any cause except those excluded in
3、Clauses 4 5 6 and 7 or elsewhere in this insurance. “Both to Blame Collision”Clause船舶互撞责任条款本保险负责赔偿被保险人根据运输契约订有“船舶互撞责任”条款规定，由被保险人应负的比例责任，视作本保险单项下应予补偿的损失。如果船东根据上述条款提出任何索赔要求，被保险人同意通知保险人，保险人有权自负费用为被保险人就此项索赔进行辩护。3. This insurance is extended to indemnify the Assured against such proportion of liability u
4、nder the contractof affreightment “Both to Blame Collision”Clause as is in respect of a loss recoverable hereunder. In the eventof any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall havethe right at their own cost expense to defend the Assured agains
5、t such claim. General Exclusions Clause除外责任 General Exclusions Clause一般除外责任条款 EXCLUSIONS本保险在任何情况下不负赔偿的责任： 4. In no case shall this insurance cover 被保险人故意行为所造成的损失和费用；4.1 loss damage or expense attributable to wilful misconduct of the Assured 保险标的的自然渗漏，重量或容量的自然损耗，或自然磨损；4.2 ordinary leakage ordinary lo
6、ss in weight or volume or ordinary wear and tear of the subject-matter insured ，包 由于保险标的包装或准备不足或不当造成的损失或费用（本条所称的“包装”括用集装箱或大型海运箱装载的，但该项装载以本保险开始生效前或由被保险人或其受雇人完成的为限）； 4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of thesubject-matter insured for the purpo
7、se of this Clause 4.3 “packing” shall be deemed to include stowage in acontainer or liftvan but only when such stowage is carried out prior to attachment of this insurance or by theAssured or their servants 由于保险标的本质缺陷或特性造成的损失和费用； 4.4 Loss damage or expense caused by inherent vice or nature of the su
8、bject-matter insured 直接由延迟引起的损失或费用，即使延迟是由承保风险所引起（上述第条可以赔 ；付的费用除外） 4.5 loss damage or expense proximately caused by delay even though the delay be caused by a risk insuredagainst except expenses payable under Clause 2 above 由于船舶所有人、经理人、租船人或经营人破产或不履行债务造成的损失或费用； 4.6 Loss damage or expense arising from
9、insolvency or financial default of the owners managers charterersor operators of the vessel 由于使用任何原子或核子裂变和（或）聚变或其他类似反应或放射性作用或放射性物质的战争武器造成的损失或费用。 4.7 Loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fissionand/or other like reaction or radioactive force or
10、matter.不适航和不适宜除外责任条款 （Unseaworthiness and Unfitness Exclusion Clause） 本保险在任何情况下不负下列原因引起的损失和费用。5 5.1 In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft.船舶或驳船不适航； Unfitness of vessel craft conveyance container or liftvan for the safe carriage o
11、f the subject-matter insured.船舶、运输工具、集装箱或大型海运箱不适宜安全运载保险标的。如果保险标的在装载时，被保险人或其受雇人知道这种不适航和不适当的情况。 where the Assured or their servants are privy to such unseaworthiness or unfitness at the time thesubject-matter insured is loaded therein. 保险人放弃船舶必须适航和适宜将保险标的运往目的地的默示担保，除非被保险人或其受雇人知道这种不适航或不适宜的情况。5.2 The Un
12、derwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness ofthe ship to carry the subject-matter insured to destination unless the Assured or their servants are privy to suchunseaworthiness or unfitness.战争除外责任条款 War Exclusion Clause本保险在任何情况下不负下列原因造成的损失和费用： 6 In n
13、o case shall this insurance cover loss damage or expense caused by 战争、内战、革命、叛乱、造反或由引引起的内乱，或交战国或针对交战国的任何敌对行为； 6.1 war civil war revolution rebellion insurrection or civil strife arising therefrom or any hostile act by oragainst a belligerent power 捕获、拘留、扣留、禁制、扣押（海盗行为除外）以及这种行动的后果或这方面的企图； 6.2 capture s
14、eizure arrest restraint or detainment piracy excepted and the consequences thereof or anyattempt thereat. 遗弃的水雷、鱼雷、炸弹或其他遗弃的战争武器。 6.3 Derelict mines torpedoes bombs or other derelict weapons of war.罢工除外责任条款 Strikes Exclusion Clause本保险在任何情况下不保下列原因造成的损失和费用： 7 In no case shall this insurance cover loss
15、damage or expense 罢工者、被迫停工工人或参与工潮、暴动或民变人员； 7.1 caused by strikers locked-out workmen or persons taking part in labour disturbances riots or civilcommotions 罢工、被迫停工、工潮、暴动或民变； 7.2 resulting from strikes lock-outs labour disturbances riots or civil commotions 任何恐怖主义者或者任何人出于政治目的采取的行动。期限 7.3 caused by an
16、y terrorist or any person acting from a political motive.运输条款 Transit Clause 本保险责任自货物运离保险单所载明的启运地仓库或储存处所开始运输时起生效，包括正常运输过程，直至运到下述地点时终止。 8 8.1 This insurance attaches from the time the goods leave the warehouse or place of storage at the placenamed herein for the commencement of the transit continues
17、during the ordinary course of transit andterminates either 保险单所载明的目的地收货人或其他最后仓库或储存处所； 8.1.1 On delivery to the Consignees or other final warehouse or place of storage at the destination namedherein 在保险单所载明目的地之前或目的地的任何其他仓库或储存处所，由被保险人择选用作： 8.1.2 On delivery to any other warehouse or place of storage w
18、hether prior to or at the destination namedherein which the Assured elect to use either 在正常运输过程之外储存货物，或者： 8.1.2.1 For storage other than in the ordinary course of transit or 分配或分派货物，或者： 8.1.2.2 for allocation or distribution. 被保险货物在最后卸载港全部卸离海轮后满天为止。8.1.3 On the expiry of 60 days after completion of
19、discharge over side of the goods hereby insured from theoversea vessel at the final port of discharge.以上各项以先发生者为准。Whichever shall first occur. 如货物在本保险责任终止前于最后卸载港卸离海轮，需转运到非保险单载明的其他目的地时，保险责任仍按上述规定终止，但以该项货物开始转运时终止。 8.2 If after discharge over side from the oversea vessel at the final port of discharge
20、but prior to terminationof this insurance the goods are to be forwarded to destination other than that to which they are insuredhereunder this insurance whilst remaining subject to termination as provided for above shall not extend beyondthe commencement of transit to such other destination. 在被保险人无法
21、控制的运输延迟、任何绕道、被迫卸货、重行装载、转运以及船东或租船人运用运输契约赋予的权限所作的任何航海上的变更的情况下，本保险仍继续有效（仍需按照上述有关保险终止期限和下述第条的规定办理）。 8.3 This insurance shall remain in force subject to termination as provided for above and to the provisions ofClause 9 below during delay beyond the control of the Assured any deviation forced discharge r
22、eshipment ortransshipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment. Termination of Contract of Carriage Clause运输契约终止条款 Termination of Contract of Carriage Clause如由于被保险人无法控制的情况，致使运输契约在非保险单载
23、明的目的地的港口或处所终止，或者运输在按上述第条规定发货前终止，本保险亦应终止，除非被保险人立即通知保险人并提出续保要求，并在必要时加缴保险费的情况下，本保险继续有效。 9 If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated ata port or place other than the destination named therein or the transit is otherwise terminated before de
24、livery ofthe goods as provided for in Clause 8 above then this insurance shall also terminate unless prompt notice isgiven to the Underwriters and continuation of cover is requested when the insurance shall remain in forcesubject to an additional premium if required by the Underwriters either 直至货物在该
25、港口或处所出售和交货，或除非有特别约定，在被保险货物抵达该港口或处所后，满天为止，以先发生者为准，或： 9.1 Until the goods are sold and delivered at such port or place or unless otherwise specially agreed until theexpiry of 60 days after arrival of the goods hereby insured at such port or place whichever shall first occur ，继续运往保险单所载 如果货物在上述天期限内（或任何约
26、定的延长期限内）明的目的地或任何其他目的地时，保险责任仍按上述第条的规定终止。 9.2 If the goods are forwarded within the said period of 60 days or any agreed extension thereof to thedestination named herein or to any other destination until terminated in accordance with provisions of Clause 8above.变更航程条款 Change of Voyage Clause当本保险责任开始后，
27、被保险人变更目的地，应立即通知保险人，经另行商定保险费和条件，本保险仍然有效。10 Where after attachment of this insurance the destination is changed by the Assured held covered at apremium and on conditions to be arranged subject to prompt notice being to the Underwriters.理赔 Insurable Interest Clause可保利益条款 CLAIMS 在发生损失时，被保险人必须对保险标的具有可保利益
28、，才能获得本保险钕碌呐獬?1 11.1 In order to recover under this insurance the Assured must have an insurable interest in thesubject-matter insured at the time of the loss. 被保险人有权按照上述（）条的规定，对在本保险期限内发生的承保损失获得赔偿，即使损失发生在本保险契约之前。但在缔约时被保险人已经知道损失发生，而保险人并不知晓者除外。 11.2 Subject to 11.1 above the Assured shall be entitled t
29、o recover for insured loss occurring during the periodcover by this insurance notwithstanding that the loss occurred before the contract of insurance was concludedunless the Assured were aware of the loss and the Underwriters were not.续运费条款 Forwarding Charge Clause由于本保险承保的风险，致使保险运输在非保险单载明的港口或处所终止，保险
30、人应偿付被保险人在卸货、存仓和续运保险标的至保险单载明目的地适当而合理产生的任何额外费用。 12 Where as a result of the operation of a risk covered by this insurance the insured transit is terminated at aport or place other than that to which the subject-matter is covered under this insurance the Underwriters willreimburse the Assured for any e
31、xtra charges properly and reasonably incurred in unloading storing andforwarding the subject-matter to the destination to which it is insured hereunder.第条不适用于共同海损或救助费用，并须按照上述、各条所载除外责任的规定办理，还不包括由于被保险人或其受雇人的过失、疏忽、破产或不履行债务而引起的费用。 This Clause 12 which does not apply to general average or salvage charges
32、 shall be subject to the exclusionscontained in Clauses 4 5 6 and 7 above and shall not include charges arising from the fault negligenceinsolvency or financial default of the Assured or their servants.本保险不负推定全损，除非保险标的实际全损已经不可避免，或者由于恢复、整理以及运送保险标的到保险目的地的费用超过其本身价值，并在保险标的被合理委付的情况下，得按推定全损赔偿。 13 No claim
33、 for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured isreasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the costof recovering reconditioning and forwarding the subject-matter to be destination to which it
34、is insured wouldexceed its value on arrival.增值条款 Increased Value Clause 如果被保险人对本保险单项下承保的货物办理任何增值保险，则货物的约定价值应视为增至本保险的保险金额加上所有承保该项损失的增值保险的总和。本保险的责任按照本保险金额与总保险金额的比例计算。 14 14.1 If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreedvalue of the cargo shall be d
35、eemed to be increased to the total amount insured under this insurance and allIncreased Value insurance covering the loss and liability under this insurance shall be in such proportion as thesum insured herein bears to such total amount insured.被保险人提出索赔时，应向保险人提供所有其他保险单所保金额的证件。 In the event of claim
36、the Assured shall provide the Underwriters with evidence of the amounts insured underall other insurances. 当本保险承保增值保险时，则适用下述条款： 14.2 Where this insurance is on Increased Value the following clause shall apply:货物的约定价值应视为等于原有的保险单项下的总保额和被保险人对该项损失投保所有增值保险额的总和。本保险应按其保险金额在保险总额中的比例，承担赔偿责任。 The agreed value
37、 of the cargo shall be deemed to be equal to the total amount insured under the primaryinsurance and all Increased Value insurance covering the loss and effected on the cargo by the Assured andliability under this insurance shall be in such proportion as the sum insured herein bears to such total am
38、ountinsured.被保险人提出索赔时，应向保险人提供所有其他保险单所保金额的证件。 In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured underall other insurances.保险受益 Not to inure Clause承运人不能受益条款 BENEFIT OF INSURANCE承运人或其他受托人不得享受本保险的利益。15 This insurance shall not insure to the benefit of
39、the carrier or other bailee.减少损失 Duty of Assured Clause被保险人义务条款 MINIMISING LOSSES当发生本保险承保的损失时，被保险人及其受雇人有义务： 16 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder 采取合理措施，以避免或减少这种损失，以及：16.1 to take such measures as may be reasonable for the purpose of
40、averting or minimizing such loss 保证适当地保留和行使对承运人、受托人或其他第三者追偿的一切权利。 16.2 To ensure that all rights against carriers bailees or other third parties are properly preserved and exercisedand the Underwriters will in addition to any loss recoverable hereunder reimburse the Assured for any chargesproperly a
41、nd reasonably incurred in pursuance of these duties.保险人除负责赔偿承保责任内的任何损失外，还应偿还被保险人为履行上述义务产生的任何适当和合理的费用。放弃条款 Waiver Clause被保险人或保险人为施救、保护或恢复保险标的所采取的措施，不应视为放弃或接受委付的表示，或视为影响任何一方的权益。17 Measures taken by the Assured or the Underwriters with the object of saving protecting or recovering thesubject-matter ins
42、ured shall not be considered as a waiver or acceptance of abandonment or otherwiseprejudice the rights of either party防止延误 AVOIDANCE OF DELAY合理处置条款 Reasonable Dispatch Clause本保险条件之一是被保险人应在任何力所能及的情况下，尽速合理地处置所发生的事情。 18 It is a condition of this insurance that the Assured shall act with reasonable disp
43、atch in all circumstanceswithin their control.法律和惯例 LAW AND PRACTICE美国法律和惯例条款 English Law and Practice Clause本保险受英国法律和惯例管辖 19 This insurance is subject to English law and practice.（二）伦敦保险协会货物保险条款（）（仅供新的海上保险单格式使用）承保范围风险条款除下列、各条规定的除外责任以外，本保险负责：1. This insurance covers except as provided in Clauses 4 5
44、 6 and 7 below 保险标的损失可合理归因于：1.1 Loss of or damage to the subject matter insured reasonable attributable to 火灾或爆炸；1.1.1 Fire or explosion 船舶或驳船遭受搁浅、触礁、沉没或倾覆；1.1.2 Vessel or craft being stranded grounded sunk or capsized 陆上运输工具的倾覆或出轨；1.1.3 Overturning or derailment of land conveyance 船舶、驳船或其他运输工具同除水以外的任何外界物体碰撞或接触；1.1.4 Collisi.
