Chapter_Insurance

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1、Chapter5Insurance海上货物运输保险中的风险和损失分为海上风险和外来风险海上风险又分为自然灾害和意外事故自然灾害1.恶劣气候heavyweather2.雷电lightning3.海啸tsunami4.地震或火山爆发earthquakeorvolcaniceruption意外事故1.搁浅grounding2.触礁stranding3.沉没sunk4.碰撞collision5.失踪missing6.失火fire爆炸explosion外来风险1.偷窃theft,pilferage2.沾污contaminat

2、ion3.渗漏leakage4.破碎breakage5.受热受潮sweatingorheating6.串味taintofodour7.生锈rusting8.钩损hookdamage9.淡水雨淋freshorrainwaterdamage10.短少或提货不着short-deliveryandnon-delivery11.短量shortageinweight12.碰损clashing损失海上损失：全部损失TotalLoss部分损失PartialLoss全部损失可分为实际全损ActualTotalLoss和推定全损Con

3、structiveTotalLoss部分损失又可分为共同海损GeneralAverage，GA和单独海损ParticularAverage，PA基本险别平安险FreefromParticularAverage,FPA水渍险WithparticularAverage,WPA或WA一切险AllRisks附加险别一般附加险1偷窃提货不着险（Theft,PilferageandNon-delivery简称TPND）2淡水雨淋险（FreshWater&RainDamage,简称FWRD）3短量险RiskofShortage4

4、混杂、沾污险RiskofIntermixture&Contamination5渗漏险RiskofLeakage6碰损、破碎险RiskofClash&Breakage7串味险RiskofOdour8受热、受潮险DamageCausedbyHeating&Sweating9钩损险HookDamage10包装破裂险LossorDamageCausedbyBreakageofPacking11锈损险RisksofRust上述11种附加险，不能独立投保，它只能在投平安险或水渍险的基础上加保，但若投保一切险时，上述险别均包括在

5、内，毋需加保。特别附加险1战争险WarRisk2罢工险StrikesRisk3交货不到险FailuretoDeliveryRisks4进口关税险ImportDutyRisk5舱面险OnDeckRisk6拒收险RejectionRisk7黄曲霉素险AflatoxinRisk8出口货物到香港（包括九龙在内）或澳门存储仓火险责任扩展条款FireriskextensionclauseforstorageofcargoatdestinationHongKong,includingKowloonorMacao买方询问保险问题1

6、.Formarineinsuranceongarments,whatrisksdoyoucover?2.Whatcoveragecanyouprovideformyconsignment?3.Forthisshipment,ourclientrequestsyoutoinsureagainstAllRisksandWarRisk.4.DoyoucoverrisksotherthanWPA?5.WhatisthedifferencebetweenWPAandFPA?6.Whatcoveragewillyoutakeo

7、utforthegoodsifthebusinessisconcludedonaCIFbasis?7.Howdoyoufixthepremiumrates?8.Doyourunderwritersofferyouanypremiumrebate?1对于服装的海洋运输保险，你们投保什么险?2对于我们这批货物，你方能够为我们投保什么险？3对这批货物，我方客户要求你们投保一切险和战争险。4除了水渍险，你们能否投保其他险?5平安险和水渍险有什么区别？6如果这笔交易是以CIF价成交的话，你们将为这批货物投保什么险？7你们是如

8、何确定保险费率的?8你们的保险商给你们保险回扣吗？卖方介绍保险问题1Generallyspeaking，weinsureWPAOnCIFsales．2FortransactionsconcludedonaCIFbasis，weusuallyeffectinsurancewiththePeople'sInsuranceCompanyofChinaagainst