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1、Unit7InsuranceRelatedInformationTheBasicsofCargoCoverage1.“ALLRISK”coverageThebroadestformofcoverageis“ALLRISK”,which,asamisleadingnameforaninsurancepolicy,provideswidecoverbutdoescontainanumberofexclusions.Theterm“AllRisks”shouldnotbetakentooliterallyandinsomejurisdiction

2、sthetermisnolongerused.An“ALLRISK”policyinsuresapprovedgeneralmerchandiseintheeventofphysicallossordamagefromanyexternalcause.Thisincludesnewpackagedgoodswithoutunusualsusceptibilitytolossfrombreakage,pilferage,orthenatureofthegoodsthemselves.“ALLRISK”policiesdonotcoverall

3、lossespossibleinthecourseofaninternationalshipment.2.GeneralAverageInordertosaveashipinperilofsinkingduringastorm,someofthecargomayhavetobethrownoverboard.Theshipownerandtheownersofthesavedcargoobviouslybenefitattheexpenseoftheownersofthejettisonedcargo.Thiswasdeemedunfairan

4、dtheprincipleof“GeneralAverage”evolvedsothatallpartieswouldcontributeinsuchasituation.3.(With)ParticularAverage(WPA)Inoceanmarineinsurance,ParticularAveragereferstoalosseitherpartialortotal,whichfallsononeormorepropertyorinterestbeingshipped,asopposedtoageneralaverage.4.Free

5、ofParticularAverage(FPA)Thisisanoceanmarinepolicyprovisionwherecoverageisprovidedonlyifatotallossoftheinsuredpropertyoccursfromaninsuredperil.FPA(Americanclause)islimitedcoveragethatusuallyappliestousedmerchandise,wastematerialsandgoodsshippedsubjecttoanondeckbilloflading.I

6、tcoverspartialandtotallossesduetoFPAperils,whichincludethesinking,stranding,burningorcollisionofthevesselsorcatastrophicperilsonshoresuchasearthquake,derailment,collapseofdock,fire,etc.5.WARRISKSpecialcoverageoncargoinoverseasshipsagainsttheriskofbeingconfiscatedbyagovernmen

7、tinwartime.Itisexcludedfromstandardoceanmarineinsuranceandcanbepurchasedseparately.6.InherentViceCertaingoodsare,bytheirverynature,susceptibletodamageanditwouldbeunreasonabletoexpectinsurerstopayforsuchdamage.ExamplesofInherentVicearedeteriorationofPerishableGoods,spontaneou

8、sfermentationorcombustionofimproperlydriedgrain.7.WAREHOUSETOWAREHOUSEpro