??? ???????? International Marine Cargo Insurance

1
???????????International Marine Cargo Insurance
??? ??????????
????????? ?? cool.king_at_126.com
2
????
???????????
???????????,??????, ??????,????,???????,? ?????
???,??????,???? ????,????????,??????? ??????????
(1)1000??????????(2)600?? ??????(3)???????? (4)
???????????,????.
???!
??????
??????,????????
3
????????????????? ????????????(CIC) ??????????? ??
?????????????? ?????????????? ?????????????
4
(?)???????
????
???? PERILS OF THE SEA
????
?? RISK
????
???? EXTRANEOUS RISKS
????
BACK
5
(?)???????
????
????
???? PARTIAL LOSS
????
????
?? LOSS
????
???? TOTAL LOSS
????
BACK
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????
(?)???????
????
???? PARTIAL LOSS
????
?? LOSS
????
???? TOTAL LOSS
????
????????
7
???? PARTICULAR AVERAGE
????????????????,?????????????
?????????????????,???????????? ? ??????,??C??????
??
BACK
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???? GENERAL AVERAGE
1??? ??????????????????????????????????????,?
?????????????????,????????????????????????????????
??????????????
2????????????? A????????? B????????????? C???
???? D?????????? E??????????????? F??????
????????????
BACK
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• ????
• ?????????????,??????????,???????,???????????
  ,????????,?????????????,?????????????,????????????
  ????,???????????????,??????????
• a?1000???????
• b ?600????????????
• c???????????
• d?????????????????????
• ???????????????????

10

• ???????(General Average Contribution)
• ???????,??????????????????
• ????????????
• ????????????????????
• ???????????????????????

11
???? ACTUAL TOTAL LOSS
??????????????????????????? ? ???????????????
??????????????
BACK
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???? CONSTUCTIVE TOTAL LOSS
????????????????????????????????,???????????
????????,??????,?????????????????????? ? ????????
,??????????????,?????????????????????????
BACK
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• ?1??????????,????????????????????,????????????,???
  ????????
• ?2????????,???????,?????????????,?????????????????
  ???????????????,???????????

• ???????,??????????????????,???????????,???????????
  (Abandonment)???

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????????
BACK
15
????
???????????
1?????,????A????? 2????????,?????????, ??????????
? 3?????????,??????????, ??????????? 4????????????
??,???????
???????????
???????????
?????????????
BACK
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???????????? (China Insurance Clause,CIC)
??? FPA
??? WPA
???
??? All Risks
????? General Additional Risk
???
????? Special Additional Risk
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???????????? (China Insurance Clause,CIC)
??? FPA
??? WPA
???
??? All Risks
????? General Additional Risk
???
????? Special Additional Risk
BACK
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??? FPA
FREE PARTICULAR EVERAGE,FPA ????????????? ???? 1
????????????????????????????? 2??????????????????
3???????????????????? 4???????????????,???????????
???????????????
19
F P A
BACK
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• ????????????????,??????????5?3????????????,??????
  ?????,????1000???????????,??5?8???????,????????100
  0??
• ??????????

21
??? WPA
WITH PARTICULAR EVERAGE, WPA ????????????????????
?????????
22
W P A
F P A
BACK
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??? All Risks
All Risks ?????????????????,??????????????????????
????????????
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W P A
F P A
ALL RISKS
BACK
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• ???? ????????????6?28???????,?????????????????
  ,?????2????,????????????????,??????A??????????????
  ???,??????????????,?????????,???5???????????????,?
  ???????,?????B?????????,????2000????????????
• ??????????????????????????????????

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????? General Additional Risk
?????????????????????????????????????????
?????????
BACK
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????? Special Additional Risk
??????????????????????????????????(????)???
???????????
BACK
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??????
???????? WAREHOUSE TO WAREHOUSE
CLAUSE ??????????????????????????????,??????????,
?????????????????????????????? ???????60???
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?????????
?????? ???????????,?????15????
back
30

• ???? ???????CIF San Francisco??????,???????????
  shipping mark???San Francisco OCP New
  York??,????????????,????????????????,????????????
  ???,???????????????
• ???????,???????????????????

31

• (?)????????W/W??????
• 1?CIF?,????????????
• ???????CIF??????50?,????????????????,????????,???
  ???????????????????????,????????????
• ??????????????????,???????
• 2?FOB?CFR???,????????????
• ???,????????FOB?CFR,???????????????

32
????????????????

• ????????(Institute Cargo Clause,ICC)

• ???????????
• 1???????(A)ICC(A)
• 2???????(B)ICC(B)
• 3???????(C)ICC(C)
• 4????????
• 5????????
• 6????????

• ???????,??5????????

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• ????????????????????
• (?)ICC(A)???????????
• ?????????,?????????????????
• (?)ICC(B)???????????
• ?????????,??????????????????
• ICC(B)??ICC(A)????
• (?)ICC(C)???????????
• ?????????,?????????????

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• (?)?????????????
• (?)?????????????
• (?)??????????
• ????????????????,????ICC(A)?,????ICC(B)??ICC(C)???
  ???????
• ???????????????
• ????????????
• ?????????????????

35
???????????????

• ????????
• ???????????????(????????)?????????????,???????
  ??
• ????????
• ?????????????????(????????)???????????????,????
  ?????
• ????????
• ???????????????(????????)?????????????,???????
  ??

36
??? ???????????

• ????
• (?)???????
• 1???????????
• 2????????
• 3??????????????
• 4???????

• ??CIF???,?????????????????,????????????????,??????
  ???,??( )
• A???????? B????????
• C??????????? D????????

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(?)??????

• ???CIF?CIP??????
• ????CIF ?(1?????)
• CIFCFR/?1(1?????) ? ?????
• CIFCFR/(1-1.1R)

• ?????CIF????,??????
• ????CIF?
• ????FOB(1?????)/(1-??????)
• ????CFR/(1-??????)

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• (?)?????
• ???????? ????
• ????????????,??????110?????????,???????????????C
  IF???????20.75???,???????????????0.6?
• ?1???????????????
• 2?????????????????,????????,???????????
  ????

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• ????????
• 1????(Insurance Policy),?????
• 2?????(Insurance Certificate ),?????
• 3?????(Combined Certificate)
• ???????????
• 4???(Endorsement)
• ???????????????????????????

• ?????????????,??????,??????????????

40

• ?????????????,???????????????????,????????????,??
  ??????????????????,???????????
• ?????????????????????

• ??????
• 1?????
• 2??????????????
• 3?????????????
• 4???????
• 5?????

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• CIC??,?????????????????????????,???????.

• ?????????
• ???????,???????????(Irrespective of
  Percentage,IOP)????,????????
• ?????(Deductible)??????????????,??????????????
• ?????(Franchise)??????????????,?????????,????????
  ?
• PICC???????????

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• ????????????
• (?)?F??E??C???CFR?CPT????????,???????
• ???????(InsuranceTo be covered by the buyer)
• (?)?D????????,???????
• ???????(InsuranceTo be covered by the seller)

43

• (?)?CIF?CIP???????,???????,?????????
• ???????????? ? ??? ??? ? ??,??????????? ??
  ??????????????????

?????