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1、,2007/04/24,貨物運送保險 實務,Agenda,Cargo Insurance Practice Aons Best Practice China Overview,貨物運送保險安排,單筆購買by shipment預約保單Open Policy月申報季申報年營業額申報基本保單ICC(A)(B)&(C)Inland Transit Policy(A)&(C),兩岸三地集團中各子公司及關係企業保險 FOB or C&F sales內陸運輸 especially in China,professional carrier warranty暫存(海關及免稅倉庫/Hubs)展覽,貨物運送保險常
2、見問題,法令適用兵險及罷工暴動(WAR&SRCC)包裝機器設備運送或有利益(Contingent Interest)理賠處理,貨物運送保險常見問題,Aons Best Practice,課程摘要,國際貿易流程貿易條件 V.S.保險海上保險基本觀念貨物運輸保險保單條款貨物運輸保險之核保貨物運輸保險之理賠貨物運輸保險實務Q&A,一、國際貿易流程,二、貿易條件與保險,國際貿易條規(Icoterms 1990,2000)價格條件風險移轉誰負責保險,二、貿易條件與保險,常見的貿易條件:Ex-Work CIF DDP FAS CFR DDUFCAFOB不論貿易條件為何，買賣雙方均須視其保險利益之歸屬來決定
3、其保險需要,三、海上保險的基本概念,因海上危險所致結果，使被保險人遭受經濟上損害可分為（一）保險標的之實質損失及（二）其所生之費用。,損害,實質損失全損(Total Loss)實際全損(Actual Total Loss)推定全損(Constructive Total Loss)-委付(Abandonment)協議全損(Compromised Total Loss)分損(Partial Loss)共同海損(General Average)單獨海損(Partial Average),費用單獨費用(Particular Charges)損害防止費用(Sue and Labour Charges)額
4、外費用(Extra Charges)施救費用(Salvage Charges),貨物運輸保險之性質,定值保單 v.s.不定值保單航程保單 v.s.時間保單保險利益可轉讓之保單,四、貨物運輸保險-保單條款（一）,基本條款S.G.保單1963年協會貨物運輸險條款:協會舊式條款全險條款(All Risks)水漬險條款(W.A./With Particular Average)平安險條款(F.P.A./Free From Particular Average),1982年協會貨物運輸險條款:協會新式條款A條款(ICC(A)/Institute Cargo Clause(A)B條款(ICC(B)/Ins
5、titute Cargo Clause(B)C條款(ICC(C)/Institute Cargo Clause(C)協會兵險條款(Institute War Clauses)協會罷工險條款(Institute Strikes Clauses),保險責任的開始及終止,不同條款1.Risks ClauseI.C.C.(A)-All RisksI.C.C.(B),(C)-Named Perils4.General Exclusions Clause6.War Exclusion Clause,主要不保事項 除外不保 潮濕、污點、變色、變味、發霉、霜凍、腐銹、蒸發；除非是承保事項直接造成的。諉因於被保
6、險人之故意惡行所致習慣性滲漏、失重、正常性自然耗損包裝或配置不良或不當所致保險標的物之固有瑕疵或質性主因為延滯所致因船舶所有人、經理人、租用人之破產或財務短缺所致因使用原子或核子武器所致如機械/設備放在Open Top/Flat貨櫃，則氧化、生銹、變色除外不保不適航、不適運條款,運輸保險,貨物的特性航程(Voyage)、港口、國家乘載船舶之船齡、噸數貨物之包裝(Packing)損率承保條件保險金額,主要影響費率之因素,理賠實務,壹、損失發現/損失發生時 被保險人之應注意事項貳、理賠處理程序參、理賠文件,運輸險理賠流程說明,包含買賣契約（Delta與原料供應商或客戶）運送契約（Delta與運送公
7、司）保險契約（Delta與保險公司）,壹、損失發現/損失發生時 被保險人之應注意事項,運輸險理賠流程說明,從Netherlands進口原料，在上海機場未留意外箱已遭受水濕，因此未取得水濕證明。,整櫃運送，因上方有破洞，運輸途中雨水滲入，導致貨物受潮。,整櫃運送，因上方有破洞，運輸途中雨水滲入，導致貨物受潮。,機器設備進口時，請注意外箱上之震動指示器或傾斜指示器是否變色。,領貨時，若貨物已嚴重受損，請取得破損證明或立即通知公證人進行查勘。,三箱貨物送交運送人，在運送人倉庫之輸送帶上仍為三箱，但受貨人收到貨物時只剩兩箱，且棧板亦已消失。,大型機器進口，內陸運送人將機器由港口運至被保險人處所之運輸途
8、中，因機器高度超高，撞及交通號誌，導致機器損壞。,運輸公司送貨至廠內，卸完貨欲離廠時，因轉彎不慎，撞倒置存於廠內之存貨。,整櫃貨物由大陸地區出口，抵達美國後，封條完好，但貨物短少。,Transport and Logistic in China,This presentation will probably involve audience discussion,which will create action items.Use PowerPoint to keep track of these action items during your presentationIn Slide Sh
9、ow,click on the right mouse buttonSelect“Meeting Minder”Select the“Action Items”tabType in action items as they come upClick OK to dismiss this boxThis will automatically create an Action Item slide at the end of your presentation with your points entered.,Transport and Logistic in China,Key logisti
10、c statistics for cargo movement in ChinaRail 32%Highway 15%Water 53%Air 0.1%,Rail Way,Cheaper freight cost than by highwayBigger capacity for bulk commodities and other carriageLess vibration damage to sensitive equipment,Low priority and difficult to book spaceMainly use for bulk commodities such a
11、s coal and grain(40%)Unfixed scheduleRemote recoveryTheft in remote areas,Pros Cons,Highway,Service door to door,even in remote locations,some 2000Km awayMore reliable schedule than railEasily and readily available,however,depend upon seasonal,Mostly open top and flat bed wet damageOverload safety a
12、spect(photo)Vibration damage long journeyLashing and securing(photo)Bad driving practiceIndependent owner operators-lack of care and no LP initiatives(society vehicles)Poor fleet maintenance(photo),Pros Cons,140,000 registered commercial trucks;70,000 logistic providers registered last year,No prote
13、ctionresulting in wet damage,Lack of lashing and securing,Lack of lashing and securing,Rough handling damage,Poor maintenance/quality,Water,Handle majority of the cargo volume in ChinaCheaper than highwaySpecific type to meet with particular purpose,especially for heavy cargo and over-height cargo,C
14、lassification and P&ISeaworthiness and cargoworthiness chasing optimization in freight earning by jeopardizing the safety of the cargo(photo)Tide and draft restrictionIndependent owner operators lacking duty of careContainer overboard(photo)Poor fleet maintenance,Pros Cons,Sea-worthiness and cargo-worthiness,Lack of lashing and securing,Other Risk Factors,Rough handling(photo)Theft and hi-jack risk during the entire chain of transportation especially for high value goods,Rough Handling,Q&A,
