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1、Unit8MarineInsurancePurposeofInsuranceTransportationofgoodsisgenerallyoveralongdistanceThegoodsaresubjecttodifferentkindsofrisksandlosses.Thepurposeistoprovidecompensationtothosewhosufferfromlossesthatmaybeincurred.WhowillpayfortheinsuranceDependontheagreedpricetermsF
2、OB:thebuyerorimporterCIForCFR:thesellerorexporterTheprocedureforgettinginsuredWhoshouldpay:tobespecifiedinthecontractFindaninsurancecompanyChoosetypesofinsurancecoverageTheinsuredamountFilloutinsurancepolicyClaimsforlossesanddamagesInsuranceClausesICC(InstituteCargoCl
3、ause伦敦保险条款)Usedby2/3countriesManycountrieshavetheirownInsuranceClauseCIC(ChinaInsuranceClause中国保险条款)RisksandLossesDifferentrisksmayresultindifferentlossesandarethereforecoveredbydifferentinsuranceclauses.Definingrisksandlossescanhelpuschoosetherighttypeofinsurancecove
4、rage.RisksPerilsoftheSea:Naturalcalamity:forcemajeure(forsma'zheur,French,meaninggreaterforce)suchasearthquake,tsunami,floodetc.Fortuitousaccidents(accidentalrisks):suchasshipsinking,shipcollision,collidingwithotherobjects....RisksExtraneousRisks(extraneous,comingfrom
5、theoutside)generalextraneousrisks:Riskscausedbytheft,rain,leakage,shortage,breakage,dampness,mildewing(aplantdiseasecausedbyfungi),heating,taintofodor,hooking,andrustingspecialextraneousrisks:riskscausedbywar,strikes,failureofdeliveryetc.Lossestotalloss:thewholelotoft
6、heconsignment(goods)whichhasbeenlostordamagedpartialloss:thelossordamagetothegoods,whichisonlypartialDefininglosseswillenableustocalculatethecompensation(whentheclaimismade.)CategoryofMarineInsuranceUnderPICC'sC.I.C.(ChinaInsuranceClause),insuranceisdividedinto-basicr
7、iskscoverage(基本险）and-additionalriskscoverage（附加险）BasicriskscoveragecanbepurchasedindependentlyAdditionalriskscoveragearenotindependentBasicMarineInsurance海上保险（水险）FreeFromParticularAverage(F.P.A）：平安险F.P.Acoverslossescausedbystrikinguponrocks,collision,fireandexplosionW
8、ithParticularAverage(W.P.A.)水渍险BesidetheriskscoveredunderF.P.A.,W.P.A.alsocoverslossescausedbyvile(bad)weather,lightening,ts
