Unit 10 Insurance

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1、UnitTenInsuranceIntroductionThereareallkindsofrisksininternationaltrade.Exportsorimportersneedtocoverinsuranceontheirgoodswithinsurancecompaniesagainstdifferentrisks.Insurer承保人（投保人）Insured被保险人Underwriter保险公司InsuranceBroker保险经纪人SpecialtermsofrisksPerilsofsea

2、海上风险Average损失，海损TotalLoss全损ActualTotalLoss实际全损ConstructiveTotalLoss推定全损PartialLoss部分损失G.A.(GeneralAverage)共同海损P.A.(ParticularAverage)单独海损InsuranceClauseTheinsuranceclauseinthesalescontractcoversseveralaspects:thepartywhoistoarrangetheinsurance；riskstobecove

3、red；theamounttobeinsuredandsoon.ExamplesofinsuranceclausesInsurance:TobecoveredbytheSelleragainst….(risk)accordingtoOceanMarineCargoClausesofthePeople’sInsuranceCompanyofChinadatedJanuary1,1981.FortransactionsconcludedonCIFbasis,theinsurancecoveragewillbefo

4、r110%oftheinvoicevalueagainsttherisksspecifiedinthesalesconfirmation.IfadditionalcoverageisrequiredbytheBuyer,theBuyermusthavetheconsentoftheSellerbeforeshipment,andtheadditionalpremiumistobebornebytheBuyer.例：保险：依据中国人民保险公司1981年1月1日的海洋货物运输保险条款，由卖方投保…险。对于CIF下

5、的交易，应按发票金额的110%投保销售确认书中规定的险别。如果买方要求附加险，须取得卖方同意，并由买方负担额外的保费。Riskstobecovered1.TheInstituteofLondonUnderwriters:英国伦敦保险业者协会2.TheInstituteCargoClauses(ICC):协会货物条款3.ChinaInsuranceClause(CIC):中国保险条款4.OceanMarineCargoClauses:海洋货物运输保险条款Basicperilsandadditionalrisks

6、underOceanMarineCargoClausesTherearethreebasicperils:FPA(FreefromParticularAverage)平安险WAorWPA(WithAverageorWithParticularAverage)水渍险A/R(AllRisks)一切险Therearetwoadditionalrisks:GeneralAdditionalRisks一般附加险andSpecialAdditionalRisks特别附加险GeneralAdditionalRisks1.T

7、heft,PilferageandNon-delivery(TPND)偷窃、提货不着险2.FreshwaterandRainDamage淡水雨淋险3.RiskofShortage短量险4.RiskofIntermixtureandContamination混杂、玷污险5.RiskofLeakage渗漏险GeneralAdditionalRisks6.RiskofClashingandBreakage碰损破碎险7.RiskofOdour串味险8.DamageCausedbySweatingandHeating受

8、潮、受热险9.Hookdamage钩损险10.Lossand/orDamageCausedbyBreakageofPacking包装破裂险11.RiskofRusting锈损险SpecialAdditionalRisks1.FailuretoDeliverRisk交货不到险2.ImportDutyRisk进口关税险3.OnDeckRisk舱面险4.RejectionRisk拒收险5.Aflatoxi