unit 10-Insurance.ppt

* * * * Basic insurance coverage -- W.A./W.P.A. = F.P.A.+ Partial losses caused by natural calamity Basic insurance coverage -- All Risks All Risks = F.P.A. +W.A. + Partial/total loss caused by extraneous risks All Risks does no really cover all risks. Perils/ Risks Perils of the Sea Extraneous risks Natural Calamities Accidents General ～ Special ～ Perils and Losses Covered by Marine Insurance (海洋货物运输保险的风险与损失) FPA:实际海上风险造成的全部损失和共同海损 natural calamity-? total(实际和推定) accidents-?total or partial loss natural calamity + accidents: partial W.A. = F.P.A.+Partial losses caused by natural calamity All Risks = F.P.A. +W.A. + Partial/total loss caused by extraneous risks 2. Additional Insurance Coverage (附加险别) General Additional Insurance Coverage (included in the coverage of All Risks) ?----general extraneous risks Special Additional Insurance Coverage ?---- special extraneous risks 1) General Additional Insurance Coverage 偷窃提货不着险（Theft,Pilferage and Non-Delivery:TPND） 淡水雨淋险（Fresh Water and Rain Damage） 渗漏险（Risk of Leakage） 短量险（Risk of Shortage） 钩损险（Hook Damage） 污染险（Risk of Contamination） 碰损破碎险（Risk of Clash and Breakage） 生锈险（Risk of Rust） 串味险（Risk of Odour） 受潮受热险（Damage Caused by Heating and Sweating) 2. Additional Insurance Coverage附加险别 2. Additional Insurance Coverage 附加险别 2) Special Additional Risk differs from general additional risk in that the former covers loss or damage caused by some special extraneous reasons such as politics, law, regulations and war. Attention! No additional risk can be purchased to insure goods independently. The scope of cover of general additional risks is already included into that of All Risks, it is not necessary for the goods to be insured by general additional risks if the cargo is insured by All Risks. *War Risk *Strike Risk *On deck risk *Import duty risk clause *Rejection risk *Aflatoxin risk *Failure to delivery cl