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1、Unit8MarineInsurancePurposeofInsuranceTransportationofgoodsisgenerallyoveralongdistanceThegoodsaresubjecttodifferentkindsofrisksandlosses.Thepurposeistoprovidecompensationtothosewhosufferfromlossesthatmaybeincurred.WhowillpayfortheinsuranceDependontheagreedpricetermsFOB:thebuyerorimporterCIForCFR:
2、thesellerorexporterTheprocedureforgettinginsuredWhoshouldpay:tobespecifiedinthecontractFindaninsurancecompanyChoosetypesofinsurancecoverageTheinsuredamountFilloutinsurancepolicyClaimsforlossesanddamagesInsuranceClausesICC(InstituteCargoClause伦敦保险条款)Usedby2/3countriesManycountrieshavetheirownInsura
3、nceClauseCIC(ChinaInsuranceClause中国保险条款)RisksandLossesDifferentrisksmayresultindifferentlossesandarethereforecoveredbydifferentinsuranceclauses.Definingrisksandlossescanhelpuschoosetherighttypeofinsurancecoverage.RisksPerilsoftheSea:Naturalcalamity:forcemajeure(forsma'zheur,French,meaninggreaterfo
4、rce)suchasearthquake,tsunami,floodetc.Fortuitousaccidents(accidentalrisks):suchasshipsinking,shipcollision,collidingwithotherobjects....RisksExtraneousRisks(extraneous,comingfromtheoutside)generalextraneousrisks:Riskscausedbytheft,rain,leakage,shortage,breakage,dampness,mildewing(aplantdiseasecaus
5、edbyfungi),heating,taintofodor,hooking,andrustingspecialextraneousrisks:riskscausedbywar,strikes,failureofdeliveryetc.Lossestotalloss:thewholelotoftheconsignment(goods)whichhasbeenlostordamagedpartialloss:thelossordamagetothegoods,whichisonlypartialDefininglosseswillenableustocalculatethecompensat
6、ion(whentheclaimismade.)CategoryofMarineInsuranceUnderPICC'sC.I.C.(ChinaInsuranceClause),insuranceisdividedinto-basicriskscoverage(基本险）and-additionalriskscoverage（附加险）BasicriskscoveragecanbepurchasedindependentlyAdditionalriskscoveragearenotindependentBasicMarineInsurance海上保险（水险）FreeFromParticular
7、Average(F.P.A）：平安险F.P.Acoverslossescausedbystrikinguponrocks,collision,fireandexplosionWithParticularAverage(W.P.A.)水渍险BesidetheriskscoveredunderF.P.A.,W.P.A.alsocoverslossescausedbyvile(bad)weather,lightening,ts
