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ID:19951527
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页数:5页
时间:2018-10-08
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1、ChapterTenInsurance10.1IntroductionInacontractofinsurance,therearetwoparticipants:insurerandinsured.Theclauseofinsurancemainlyincludes:coverage,theinsuranceamount,premium.Theriskscoveredbyinsurancefallsintotwocategories.1.Theprinciplerisks:1)W.A.(WithAverage)orW.P.A.(WithParticularA
2、verage)2)AllRisks3)F.P.A.(FreefromParticularAverage)2.AdditionalRisksGeneraladditionalRisks:1)TPND(RiskofTheftPilferageandNon-Delivery)6)ClashandBreakageRisk2)FreshWaterand/orRainDamageRisk7)TaintofOdorRisk3)ShortageRisk8)SweatandHeatingRisk4)IntermixtureandContaminationRisk9)HookDa
3、mageRisk5)LeakageRisk10)BreakageofpackingRiskSpecialadditionalrisks:1)WarRisk2)StrikesRisk3)RejectionRisk4)RejectionRisk5)AflatoxinRisk6)ImportDutyRisk7)FailuretoDeliverRiskGenerallyspeaking,theinsuranceamountisdefinedas:thetotalvalueofthegoodsbasedonCIFprice+10%ofitthatis110%ofthet
4、otalinvoicevalue.Iftheinsuredrequiresmorethan110%,theimporterhastobeartheadditionalpremium.10.2WritingguideWhenwritingaletteraboutinsurancethefollowinginformationshouldbeconsidered.1)Theconsignment2)Themodeofpayment3)Theaccountofinsurance4)Thecoverageoftheinsurance5)Thepremiumrate6)
5、Thewayofpremiumpayment7)Thevalidityoftheinsurance8)Thevoyage9)Insurancecompany10.3LettersforexampleExample1AskingforInsuranceArrangementDearMrZhu,WewishtoreferyoutoourOrderNo.O123for500cartonsNirenZhangcraftwork,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohave
6、theconsignmentinsuredatyourend,weshallbemuchpleasedifyouwillkindlyarrangetoinsurethegoodsonourbehalfagainstAllRisksatinvoicevalueplus10%,thatis,USD3,000.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnote.Lookingforwardtoyourearlyreply.Yoursfaithfully,Example2Areplytothea
7、boveDearMrSteve,WehavereceivedyourletterofApril4th,askingustoeffectinsuranceontheshipmentforyouraccount.WearepleasedtoinformyouthatwehavecoveredtheshipmentwiththePeople’sInsuranceCompanyofChinaagainstAllRisksfor1,350.00.Thepolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubynex
8、tMondaytogetherwith
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