保险66879162(共57张PPT).pptx

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1、 Insurance 培训专用 培训专用 2007年年3月月4日风暴潮日风暴潮巨浪滔天巨浪滔天2006年年12月月集装箱船撞集装箱船撞上正作业的挖上正作业的挖泥船泥船培训专用保险保险是指投保人根据是指投保人根据保险合同约定保险合同约定，向保险人，向保险人支支付保险费付保险费，保险人对于保险合同约定的可能发生的，保险人对于保险合同约定的可能发生的事故因其发生所造成的财产损失承担事故因其发生所造成的财产损失承担赔偿保险金赔偿保险金责责任，或者当被保险人死亡、伤残、疾病或者达到合任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担同约定的年龄、期限时承担给予保险金给予保险金责任的商业

2、责任的商业保险行为。保险行为。货物运输保险属于财产保险。货物运输保险属于财产保险。保险可分为保险可分为财产保险、责任保险、信用保险财产保险、责任保险、信用保险（或称保（或称保证保险）、证保险）、人身保险人身保险四类。四类。培训专用5.总值总值Total Value伍万伍仟美元整伍万伍仟美元整Unite State Dollar Fifty Five thousands only.6.包装包装Packing玻璃玻璃纤维纤维(Glass-fiber)袋装，每袋装，每50公斤公斤/袋袋Packing in Glass-fiber bag,50kg each.7.唛头唛头Shipping MarksN

3、EWYORK NO.1up8.装运期及运装运期及运输输方式方式Time of Shipment&means of Transportation2007年年5月装运，允月装运，允许许分批和分批和转转船船Shipment in May/2007,allowing partial shipment and transshipment.9.装运港及目的地装运港及目的地Port of Loading&Destination大大连连港装船运往港装船运往纽约纽约From Dalian to New York.10.保保险险Insurance由由卖卖方按中国人民保方按中国人民保险险公司海洋公司海洋货货物运物运

4、输输保保险险条款，按条款，按发发票票总值总值110%投保一切投保一切险险和和战战争争险险。To be covered by the Seller for 110%of total invoice value against A.R.and War risks per and subject to the relevant ocean marine cargo clauses of the Peoples Insurance Company of China.11.付款方式付款方式Terms of Payment买买方方应应由由卖卖方可接受的方可接受的银银行于装运月份前行于装运月份前30天开立并

5、送达天开立并送达卖卖方不方不可撤可撤销销即期信用即期信用证证，至装运月份后第，至装运月份后第15天在中国天在中国议议付有效。付有效。The Buyers shall open through a bank acceptable to the Sellers an Irrevocable Sight Letter of Credit to reach the Sellers 30 days before the month of shipment,valid for negotiation in China 15th day after shipment.培训专用Risk of cargo tr

6、ansportationPerils of SeaNatural CalamityAccidentExtraneous RiskCommon extraneous riskSpecial extraneous risk培训专用Perils of SeaNatural Calamityvile weather,thunder,Tsunamil,earthquake,flood,etc.AccidentStranded,Grounded,Sunk,Capsized,Collision,Fire,Explosion,etc.培训专用Extraneous risks Common extraneous

7、 risks include theft,fresh or rain water damage,shortage,leakage,breakage,sweating and heating,intermixture and contamination,odour,hook damage,breakage of packing,rusting,etc.Special extraneous risks are often related to politics,military affairs,convulsions and international policy,laws,etc.e.g.,w

8、ar,strike,seizure,etc.培训专用The losses guaranteed by insurancePartial lossTotal lossActual Total lossConstructive Total lossGeneral AverageParticular Average培训专用Actual Total LossInsured cargo has been totally lostInsured cargo has been damaged to the extent that it has lost its original usage and valu

9、e.The insured has been derived of his title for cargoMissing cargo ship培训专用Constructive total loss Unless a marine policy otherwise provides,a loss is a constructive total loss if the subject-matter insured is reasonably abandoned because the actual total loss of the subject-matter appears unavoidab

10、le or the preservation of the subject-matter from actual total loss would entail costs exceeding its value when the costs are incurred.培训专用例1、我公司出口稻谷一批，因保险事故被海水浸泡多时而丧失其原有价值，货到目的港后只能低价出售，这种损失属于实际全损。例2、有一批出口服装，在海上运输途中，因船体触礁导致服装严重受浸，若将这批服装漂洗后运至原定目的港所花费的费用已超过服装的保险价值，这种损失属于推定全损。发生推定全损时，被保险人可以要求保险人按部分损发生推

11、定全损时，被保险人可以要求保险人按部分损失赔偿，也可要求按全部损失赔偿，这时须向保险人失赔偿，也可要求按全部损失赔偿，这时须向保险人发出发出委付委付(Abandonment)通知。通知。培训专用General Average An ocean marine loss that occurs through the voluntary sacrifice of a part of the vessel or cargo,or an expenditure,to safeguard the vessel and its remaining cargo from a common peril.If

12、the sacrifice is successful,all interests at risk contribute to the loss borne by owner of the sacrificed property based on their respective saved values.培训专用General Average 共同海损是指在同一海上航程中，共同海损是指在同一海上航程中，船舶、货物和其他财产遭遇船舶、货物和其他财产遭遇共同共同危险，危险，船方为了船方为了共同共同安全，安全，有意地有意地合理地合理地采取采取措施所直接造成的特殊牺牲和支付的特措施所直接造成的特殊牺

13、牲和支付的特殊费用。殊费用。共同海损应由有关利害关系方共同海损应由有关利害关系方共共同同分摊分摊培训专用共同海损成立的条件共同海损成立的条件危及船、货共同安全的危险须确危及船、货共同安全的危险须确实存在实存在船方采取的措施是有意识的、船方采取的措施是有意识的、合理的合理的所作的牺牲是特殊的，费用是所作的牺牲是特殊的，费用是额外的额外的牺牲和费用须是有效果的牺牲和费用须是有效果的培训专用Particular average means that a particular cargo is damaged by any cause and the degree of damage dose not

14、 reach a general average.培训专用Maritime chargesSue&Labor charges:When the insured cargo suffers natural calamities or fortuitous accidents within the scope of insurance cover,the insured or his agent or any employees pays the expenses caused in saving the insured cargo in order to prevent the losses f

15、rom further expanding.培训专用Salvage charges:When the insured cargo suffers a natural calamity or a fortuitous accident within the scope of insurance cover,the third party who has no contracted relations with the insured and the insurer salvages the cargo successfully.Extra charges:Include the fee for

16、reconnaissance,notarization,calculation,auction,and the fee for offload,storage the goods.培训专用海上运输货物保险保障的费用海上运输货物保险保障的费用施救费用施救费用（Sue&Labor Charges）是指保险货物遭遇保险责任范围内的事故时，被保险人或其代理人、雇佣人员和受让人为避免或减少损失而采取各种抢救、保护、整理措施而产生的合理费用。救助费用救助费用（Salvage Charges）当船舶遇到海难，虽然经船上人员尽力采取办法亦不能使船舶脱离危险时，必须由他人来救助，由此支付的报酬就是救助费用。额外

17、费用额外费用（Extra Charges）是指保险标的受损后，对其进行 查堪、公正、理算或拍卖等支付的费用以及运输在中途中止时所支付的货物卸下、存仓及续运至目的地的费用等。培训专用 Case Study一载货船舶由天津港驶出不远处，一船舱起火，一载货船舶由天津港驶出不远处，一船舱起火，船长下令引水灭火，火虽扑灭，船的主机被烧坏，船长下令引水灭火，火虽扑灭，船的主机被烧坏，遂租拖船拖回天津港，修理完毕后重驶目的港。遂租拖船拖回天津港，修理完毕后重驶目的港。事后检查，发现如下损失：事后检查，发现如下损失：1 1）300300箱货物被焚；箱货物被焚；2 2）100100箱货物被烟熏；箱货物被烟熏；3

18、 3）200200箱货物被水浸湿；箱货物被水浸湿；4 4）主机和部分甲板烧坏；）主机和部分甲板烧坏；5 5）拖船费用；）拖船费用；6 6）额）额外增加的燃料费用和船员工资。以上损失哪些是外增加的燃料费用和船员工资。以上损失哪些是共同海损，哪些是单独海损？共同海损，哪些是单独海损？培训专用Introduction of the insurance coverage of marine cargo transportBasic risks additional risks responsibilities and time limit of insurance the exclusion of b

19、asic coverage F.P.AW.P.AAll risks General additional risks Special additional risks培训专用Free from Particular Average,(F.P.A.)includes:1.Real total loss or constructive total loss caused by natural calamity or accident in the course of transportation;被保险货物在运输途中由于恶劣气候、被保险货物在运输途中由于恶劣气候、雷电、海啸等自然灾害造成整批货物的

20、雷电、海啸等自然灾害造成整批货物的实际全损和推定全损。实际全损和推定全损。培训专用2.Partial loss of the insured commodities caused by the transport accidents such as ground,stranding,sink,collision,fire and explosion;由于运输工具遭受搁浅、触由于运输工具遭受搁浅、触礁、沉没、礁、沉没、互撞、失火、爆炸等意外事故造成的全互撞、失火、爆炸等意外事故造成的全部或部分损失。部或部分损失。培训专用3.Partial loss of the insured commodit

21、ies caused by natural calamities such as abominable climate,thunder,tsunami before or after the transport accident,such as ground,stranding,sink or fire;在在运运输输工工具具已已经经发发生生搁搁浅浅、触触礁礁等等意意外外事事故故的的情情况况下下，货货物物在在此此前前后后又又在在海海上上遭遭受受自自然然灾害所造成的部分损失。灾害所造成的部分损失。培训专用4、total loss or partial loss caused by the lost

22、 of the insured commodities in the course of loading,unloading and transshipment;在装卸或转运时由于一件或整件货物落在装卸或转运时由于一件或整件货物落海造成的全部或部分损失。海造成的全部或部分损失。培训专用5、total loss or partial loss in the course of unloading in the refuge port when encountering natural calamity or accident;由由于于上上述述事事故故引引起起的的共共同同海海损损的的分分摊摊以以及

23、及为为挽挽救救受受险险货货物物和和防防止止或或减减少少货货损损而而支支付付的的合合理理费费用。用。培训专用 6、extra expenses caused by loading,unloading,storage and transport of the commodities when encountering natural calamity or accident,and need to berth in the refuge port.运输契约订有运输契约订有“船舶互撞责任船舶互撞责任”条款，据条款，据该条款规定应由货方偿还船方的损失。该条款规定应由货方偿还船方的损失。培训专用with

24、 particular average(or w.p.a):It includes all the risks in f.p.a.In addition,it includes the partial loss caused by abominable climate,thunder,tsunami,earthquake and flood.培训专用All risks:It includes all risks in F.P.A.and W.P.A.and it also includes the loss caused by external reasons,during transport

25、ation.培训专用Additional Coverage1.General Additional Coverage(Included in All Risks)(Cant be insured independently)Risk of theft,pilferage and non-delivery(TPND)Risk of fresh water and/or rain damage(FWRD)Risk of clash and breakage Risk of leakageRisk of shortage Risk of taint of odorRisk of sweating a

26、nd heating Risk of rustRisk of intermixture and contaminationRisk of breakage of packing Hook damage培训专用Special additional coverage War risk;Strike risk;Failure to delivery risk;Import duty risk;On deck risk;Rejections risk;Aflatoxin risk;Fire risk extension clause(FREC)培训专用 一批货物投保一批货物投保FPAFPA，货轮在航行

27、过程中遇暴风雨袭击，货轮在航行过程中遇暴风雨袭击，船身颠簸，货物相互碰撞导致部分损失，损失价值为船身颠簸，货物相互碰撞导致部分损失，损失价值为10001000元，保险公司赔偿多少？元，保险公司赔偿多少？在在该该货货轮轮继继续续航航行行过过程程中中，又又触触礁礁，导导致致货货物物部部分损失分损失20002000元，保险公司赔偿多少？元，保险公司赔偿多少？一一批批货货物物投投保保FPAFPA（WPAWPA），在在运运输输过过程程中中遇遇暴暴风风雨雨袭袭击击，货货物物遭遭到到水水渍渍损损失失，问问这这种种损损失失可可否否得得到到赔赔偿？偿？培训专用The three kinds of coverag

28、e have their own basic coverage of cargo transport,the insured may choose one of them.In addition,the insurer may demand to expand the terms of insurance.However,exclusions are clearly defined in the above three coverage.Which means the insurance company clearly stipulates that they are not responsi

29、ble for some kinds of lost and relative expense.培训专用 According to the practice of international insurance,basic coverage adopts the Warehouse to Warehouse Clause W/W Clause,which means the insurance responsibilities are in effect from the consigners warehouse or storage to the consignees warehouse d

30、esignated in the insurance policy,including the course of normal transportation in the sea,land,fresh water or barge.But it cannot exceed 60 days after the commoditys unloading from the ship.If the goods transship to the destination that not the one in the insurance in 60 days,it stop when transship

31、 begin.培训专用 在保险实务中基本险通常采用“仓至仓”条款（Warehouse to Warehouse Clause,W/W Clause）。具体指被保险货物运离保险单所载明的启运地仓库或储存处所开始运输时生效,包括正常运输过程中的海上、陆上、内河和驳船运输在内，直至该项货物到达保险单所载明目的地收货人的最后仓库或储存处所或被保险人用作分配、分派、或非正常运输的其他其他处所为止。如未抵达上述仓库或储存处所，则以被保险货物在最后卸港全部卸离海轮60天为止。如在上述60天内被保险货物需转运至非保险单所载明的目的地时，则以该项货物开始转运时终止。培训专用不同价格术语影响W/W的责任起讫点1、

32、CIF下，保险责任起讫期间是“仓至仓”2、FOB、CFR条件下，保险责任起讫期间是：“船至仓”3、战争险的保险责任起讫：仅限于水面危险w某公司出口某货物，投保一切险加战争险，该船抵达目的港开始卸货时，当地发生武装冲突，部分船上货物及部分已卸到岸上的货物被毁。问：保险公司如何赔偿？培训专用 罢工险（Risk of Strike,Riots and Civil Commotions:SRCC 罢工暴动民变险）w罢工险是保险人承保罢工者、被迫停工工人、参加工潮、暴动和民众、战争的人员采取行动所造成的承保货物的直接损失，对间接损失不负责，如由于劳动力短缺或无法使用劳动力,致使堆放码头的货物遭到雨淋日晒

33、而受损、冷冻机因无燃料而中断造成的被保险货物的损失不负责赔偿。注：罢工险的保险责任期间是注：罢工险的保险责任期间是“仓至仓仓至仓”；已投保战争；已投保战争险又加保罢工险时，一般不另行收费。险又加保罢工险时，一般不另行收费。培训专用（三）扩展责任条款由于被保险人无法控制的运输延迟、绕道、被迫卸货、重行装载、转载或承运人运用运输契约赋予的权限所作的任何航海上的变更或终止运输契约，致使被保险货物运到非保险单所载明目的地时，在被保险人及时将获知的情况通知保险人，并在必要时加缴保险费的情况下，本保险仍继续有效，保险责任按下列规定终止：1、被保险货物如在非保险单所载明的目的地出售，保险责任至交货时为止，但

34、不论任何情况，均以被保险货物在卸载港全部卸离海轮后满六十天为止。2、被保险货物如在上述六十天期限内继续运往保险单所载原目的地或其他目的地时，保险责任仍按上述第(一)款的规定终止。培训专用Exclusions refer to losses and expenses for which insurance company declares clearly not to be responsible.According to of P.I.C.C.,there are 5 exclusions.培训专用 1、loss caused by the insureds deliberate behavi

35、or or fault;被保险人的故意行为或过失所造成的损失；2、loss caused by the consigner;各地发货人责任所引起的损失；培训专用3、loss caused by fault in quality or shortage in quantity of the insured commodities before insurance responsibilities take effect;在在保保险险责责任任开开始始前前，被被保保险险货货物物已已以以存存在的品质不良或数量短差所造成的损失。在的品质不良或数量短差所造成的损失。培训专用 4、loss and expe

36、nse caused by the commodities natural wastage,essential defect,characteristics and the market fluctuation,transport delay,etc;被保险货物自然途耗、本质缺陷、市价被保险货物自然途耗、本质缺陷、市价跌落和运输延迟所引起的损失或费用。跌落和运输延迟所引起的损失或费用。培训专用 5、responsibilities and exclusions of the war risk and strike risk.属于海洋运输货物战争险和罢工险条款属于海洋运输货物战争险和罢工险条款规

37、定的责任范围和除外责任。规定的责任范围和除外责任。培训专用 Institute Cargo ClauseBasic CoverageAdditional CoverageICC(A)ICC(B)ICC(C)A.R.W.P.A.F.P.A.培训专用 Procedures of Insurance To apply for marine insuranceWho:When：What：How：Depends on the trade termsBook shipping space,Insure,Customs Clearance,shipmentSafety+EconomyInsure respe

38、ctively or open policy培训专用Calculation of Sum Insured and Insurance Premium以以CIF或或CIP为基础加一成为基础加一成 保险金额保险金额=CIF（1+投保加成率）投保加成率）保险费保险费=保险金额保险金额X保险费率保险费率CIF=CFR/1（1+投保加成率）投保加成率）保险保险费率费率CIF=CFR/（1-1.1R）培训专用出口商品出口商品1010公吨，公吨，400400箱装，每箱毛重箱装，每箱毛重2525公斤，体积公斤，体积20cm*30cm*40cm20cm*30cm*40cm，单价单价FOBFOB上上海每箱海每箱5

39、555美元，对方让改报美元，对方让改报CIFCIF马赛价，马赛价，查表知道该货物为查表知道该货物为8 8级，计费标准为级，计费标准为W/MW/M，每运费吨运费为，每运费吨运费为8080美元，另征收转船美元，另征收转船附加费附加费20%20%、燃油附加费、燃油附加费10%10%，投保一切，投保一切险加战争险和罢工险险加战争险和罢工险，保险费率为，保险费率为5%5%，2%2%，2%2%，投保加成为，投保加成为110%110%。问。问CIFCIF价是多价是多少？少？培训专用我某公司出口箱装货物我某公司出口箱装货物4000箱，报价为箱，报价为FOB每箱每箱25美元，英国商人要求改报美元，英国商人要求改

40、报CIF伦敦价。该批货物伦敦价。该批货物的体积为的体积为4540 25（厘米），每箱毛重为（厘米），每箱毛重为35公斤，公斤，商品计费标准为商品计费标准为W/M，基本运费为，基本运费为100美元美元/运运费吨，并加收燃油附加费费吨，并加收燃油附加费20%，货币贬值附加费，货币贬值附加费10%。，投保的是一切险加战争险和罢工险，保险。，投保的是一切险加战争险和罢工险，保险费率分别是费率分别是3%、1.2%和和1.2%，投保加成为，投保加成为110%。问：我方应如何报价？。问：我方应如何报价？培训专用 Insurance Policy Insurance PolicyInsured：Claim p

41、ayable at：Date：Seller，transferred by endorsement DestinationNot later than the date of B/L培训专用中保财产保险有限公司The Peoples Insurance(Property)Company of China,Ltd发票号票号码 Invoice No.保保险单号次号次 Policy No.海海 洋洋 货货 物物 运运 输输 保保 险险 单单MARINE CARGO TRANSPORTATION INSURANCE POLICY被保被保险人人 Insured：中保中保财产保保险有限公司（以下有限公司（以

42、下简称本公司）根据被保称本公司）根据被保险人的要求，及其所人的要求，及其所缴付付约定的保定的保险费，按照本保，按照本保险单承承担担险别和背面所栽条款与下列特和背面所栽条款与下列特别条款承保下列条款承保下列货物运物运输保保险，特，特签发本保本保险单。This policy of Insurance witnesses that the Peoples Insurance(Property)Company of China,Ltd.(hereinafter called“The Company”),at the request of the Insured and in consideration

43、 of the agreed premium paid by the Insured,undertakes to insure the undermentioned goods in transportation subject to conditions of the Policy as per the Clauses printed overleaf and other special clauses attached hereon.保保险货物物项目目Descriptions of Goods包装包装 单位位 数量数量Packing Unit Quantity保保险金金额Amount In

44、sured承保承保险别 Conditions货物物标记 Marks of Goods总保保险金金额 Total Amount Insured:保保费 Premium载运运输工具工具 Per conveyance S.S开航日期开航日期 Slg.on or abt起运港起运港 Form目的港目的港 To所保所保货物，如物，如发生本保生本保险单项下可能引起索下可能引起索赔的的损失或失或损坏，坏，应立即通知本公司下述代理人立即通知本公司下述代理人查勘。如有索勘。如有索赔，应向本公司提交保向本公司提交保险单正本（本保正本（本保险单共有共有 份正本）及有关文件。如一份正本已用于索份正本）及有关文件。如一

45、份正本已用于索赔，其余正本，其余正本则自自动失效。失效。In the event of loss or damage which may result in acclaim under this Policy,immediate notice must be given to the Companys Agent as mentioned hereunder.Claims,if any,one of the Original Policy whichhas been issued in original(s)together with the relevant documents shall

46、be surrendered to the Company.If one of the Original Policy has been accomplished,the others to be void.赔款款偿付地点付地点Claim payable at日期日期Date在在at培训专用 Insurance Clause1.Exporting by FOB、CFR:Insurance to be effected by the buyer.2.Exporting by CIF:Who will effect、Sum Insured、Insurance Coverage、As per wha

47、t clause培训专用 The insured claims compensation to the insurer according to relative regulation after the commodities undergone losses.It is called insurance claim.If the losses fall into the range of insurance responsibilities,the insurer should pay the indemnity in time.If the loses take place during

48、 transportation,the insured should claim compensation to the insurer or its attorney.培训专用The procedure of claimAdvice of goods damaged.The insurant must make advice of goods damaged immediately when find lost while inspect the goods.The latest time is 10 days after ending time of insurance duty.If c

49、ontainer goods,must make advice immediately after open the container.培训专用Apply for inspection.With export insurance,the agent of the insured in the foreign country make the inspection.With import insurance,the insured,consignor,shipper make the inspection.培训专用Evidence of lodging a claim:(1)The insur

50、ance policy or insurance certification(2)The contract of shipment(3)invoice(4)Bill of lading,weight memo(5)The inspection declaration of loss or damage(6)survey report(7)list of claim培训专用谢谢观看/欢迎下载BY FAITH I MEAN A VISION OF GOOD ONE CHERISHES AND THE ENTHUSIASM THAT PUSHES ONE TO SEEK ITS FULFILLMEN