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1、第九章第九章 货物运输保险货物运输保险第二节第二节 货物运输保险保障的范围货物运输保险保障的范围一、风险一、风险1 海上风险：在海运过程中或随海运发生的自然灾害、海上风险：在海运过程中或随海运发生的自然灾害、意外事故等风险。意外事故等风险。2 外来风险：除海上风险以外的其他外因引起的风险。外来风险：除海上风险以外的其他外因引起的风险。二、损失和费用二、损失和费用（一）全部损失（一）全部损失1 实际全损实际全损2 推定全损推定全损Cargo Transportation InsuranceRisks,losses and expenses一、一、Risks1.Perils of the sea
2、a.Natural calamities-vile weather,thunder and lightening,tsunami,earthquake,floods,etc.b.Fortuitous accidents-ship stranded,striking upon the rocks,ship sinking,ship collision,colliding with icebergs or other objects,fire,explosion,ship missing,etc.2.Extraneous Risksa.General Extraneous Risks:theft
3、or pilferage,rain,shortage,contamination,leakage,breakage,taint of odor,dampness,heating,rusting,hooking,etc.b.Special Extraneous Risks:war risks,strikes,non-delivery of cargo,refusal to receive cargo,etc.二、二、Losses1.Total Loss(loss of the entire shipment)a.Actual Total Loss (The insured goods have
4、been totally lost or damage,or found to be totally valueless on arrival.)b.Constructive Total Loss (An actual total loss appears t0 be unavoidable or the cost to be incurred in recovering or reconditioning the goods together with the forwarding cost to the destination named in the policy would excee
5、d their value on arrival.)2.Partial Loss (general average and particular average)3.Expenses(sue and labor expense;salvage charges)（二）部分损失二）部分损失1 共同海损共同海损2 单独海损单独海损（三）费用以及外来风险的损失（三）费用以及外来风险的损失例例1 我某公司出口稻谷一批，因保险事故被海水浸泡多时我某公司出口稻谷一批，因保险事故被海水浸泡多时而失去其原有用途，货到目的港只能低价出售，问：这而失去其原有用途，货到目的港只能低价出售，问：这种损失属于何种损失？种
6、损失属于何种损失？例例2 有一批出口服装，在海上运输途中，因船体触礁导致有一批出口服装，在海上运输途中，因船体触礁导致这批服装漂洗后再运往目的港，所花费用已超过服装的这批服装漂洗后再运往目的港，所花费用已超过服装的保险价值，问：这批服装的损失属于何种损失？保险价值，问：这批服装的损失属于何种损失？例例3 某船只载着甲货主的某船只载着甲货主的3000箱棉织品，箱棉织品，乙货主的乙货主的50公吨小麦，丙货主的公吨小麦，丙货主的200公吨公吨大理石，驶往纽约。货轮起航的第二天不幸触礁大理石，驶往纽约。货轮起航的第二天不幸触礁船底出现裂缝，海水入侵严重。甲货主的船底出现裂缝，海水入侵严重。甲货主的25
7、0箱箱棉织品、乙货主约棉织品、乙货主约5公吨小麦被海水浸湿。因裂口公吨小麦被海水浸湿。因裂口太大，船长为解除船、货共同危险，使船舶浮起太大，船长为解除船、货共同危险，使船舶浮起并得以及时修理，下令将丙货主的并得以及时修理，下令将丙货主的50公吨大理石公吨大理石货物抛入海中，船舶因此得以修复继续前行。问：货物抛入海中，船舶因此得以修复继续前行。问：三位保险人各自所遭遇的是什么损失？三位保险人各自所遭遇的是什么损失？第三节第三节 险别和条款险别和条款 一、基本险别和条款一、基本险别和条款1 平安险、水渍险、一切险平安险、水渍险、一切险2 保险责任的起迄期限保险责任的起迄期限问：我方某公司按问：我方
8、某公司按CFR术语进口时，在国内投术语进口时，在国内投保了一切险，我方承担的风险起迄应为仓至保了一切险，我方承担的风险起迄应为仓至仓吗？仓吗？二、附加险二、附加险1 一般附加险一般附加险Basic Insurance Coverage一、一、Free from particular average(F.P.A.insurance cover:)1.Total or constructive total loss of the whole consignment hereby insured caused in the course of transit by natural clamities
9、.2.Total or partial loss caused by accidents3.Partial loss of the insured goods attributable to heavy weather,lightening and/or tsunami,where the conveyance has been grounded,stranded,sunk or burnt,irrespevtive of whether the event or events took place before or after such accident.4.Partial loss or
10、 total loss consequent on falling of entire package or oackages into sea during loading,transshiment or discharge.5.Reasonable cost incurred by the insured in salvagingthe goods or averting or minimizing a loss recoverable under the Policy.6.Losses attributable to discharge of the insured goods at a
11、 port of distress following a sea peril as well as special charges arising from loading,warhousing and forwarding of the good at an intermediate port of call or refuge.7.Sacrifice and contribution to General Average and Salvage Charges.8.Such proportion of losses sustained by the shipowners as is to
12、 be reimbursed by the Cargo Owner under teh Contract of Affreeighment Both to Blame Collision clause.二、二、With Average or With Particular AverageThe insurance covers wider than F.P.A.Aside fromthe risks covers under F.P.A.conditions as above,this insurance also covers partial losses of the insuredgoo
13、ds caused by heavy weather,lightening and/or tsunami,earthquake and/or flood.三、三、All Risks The cover of All Risks is the most comprehensive of the three.Aside from the risks covers under F.P.A.and W.P.A.conditions as above,this insurance also covers all risks of loss of or damage to insured goodswhe
14、ther partial or total,arsing from external causes.2 特别附加险特别附加险 1）战争险：保障范围；保险责任起迄为）战争险：保障范围；保险责任起迄为“船至仓船至仓”2）罢工险：保障范围；保险责任起迄为）罢工险：保障范围；保险责任起迄为“仓至仓仓至仓”问：一份问：一份CIF合同，卖方在装船前投保了一切险加战争险，自合同，卖方在装船前投保了一切险加战争险，自南美内陆仓库，直至伦敦的买方仓库为止。货物从卖方仓南美内陆仓库，直至伦敦的买方仓库为止。货物从卖方仓库运往码头装运途中，发生了承保范围内的货损。当卖方库运往码头装运途中，发生了承保范围内的货损。当
15、卖方凭保险单向保险公司提出索赔时，保险公司以货物未装运，凭保险单向保险公司提出索赔时，保险公司以货物未装运，货损不在承保范围内，拒绝给予赔偿。问：在上述情况下，货损不在承保范围内，拒绝给予赔偿。问：在上述情况下，卖方有无权力向保险公司索赔？卖方有无权力向保险公司索赔？三、伦敦保险协会海运货物保险条款三、伦敦保险协会海运货物保险条款I.C.C.A.类似于一切险类似于一切险I.C.C.B.类似于水渍险类似于水渍险I.C.C.C.类似于平安险类似于平安险第六节第六节 保险实务保险实务一、确定保险金额：一、确定保险金额：二、办理保险和交付保费二、办理保险和交付保费三、取得保险单据：三、取得保险单据：1 大小保单效力相当大小保单效力相当2 预约保单：以国外的装运通知代替投保单预约保单：以国外的装运通知代替投保单