国际运输与保险.ppt

Chapter 7 Cargo Transport Insurance Chapter Seven 7.1 Fundamental Principles of Cargo Insurance 7.2 Risks and Losses in Cargo Transport 7.3 Ocean Marine Insurance under C.I.C 7.4 Insurance of Land, Air and Parcel Post Transport 7.5 Insurance Practice of International Trade ? Human beings are subject to various unpredictable risks — risk of death or disability due to natural or accidental causes, risk of loss of or damage to one’s property, etc. Risk has the element of unpredictability, but losses can be mitigated through insurance. There are many types of insurance products available for life and non-life —property insurance, life insurance, liability insurance, bond insurance, to name just a few. Cargo insurance belongs to property insurance. Cargo insurance covers physical damage to or loss of your goods whilst in transit by land, sea and air and offers considerable opportunities and cost advantages if managed properly. It brings the potential loss of or damage to goods into cost and the insurer, on the basis of a premium received, undertakes to indemnify the insured against loss from certain risks or perils to which the cargo insured may be exposed. Cargo insurance has become a must in international trade. Without it, international trade can not be guaranteed. 7.1 Fundamental Principles of Cargo Insurance Three main principles of insurance, two subsidiary principles and a doctrine: A basic understanding of the underlying principles of cargo insurance will facilitate the process of claims. 1. Principle of Insurable Interest(保险利益原则) 2. Principle of Utmost Good Faith (最大诚信原则) 3. Principle of Indemnity(补偿原则) Two Subsidiary Principles Under the indemnity principle, there are two sub-principles: 1) Contribution(分摊) 2) Subrogation(代位追偿 ) 4. The Doctrine of Proximate Cause (近因原则) In marine cargo transport insurance, risks fall into: 1. Perils of the Sea 海上风险 1) Natural Calamity自然灾害 ( the perils unde