chapter6CargoInsurance.ppt

Chapter 6 Cargo Insurance Definition of Insurance Insurance is a contract whereby one party, in consideration of a premium paid, undertakes to indemnify the other party against loss from certain perils or risks to which the subject matter insured may be exposed to .保险(insurance)是指投保人根据合同约定，向保险人支付保险费， 保险人对于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赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。 Ocean Marine Cargo Insurance Background: Ocean Marine Insurance is the oldest form of insurance, probably dating to the Middle Ages. background The organization of Marine Insurance took great steps forward with the formation and development of an insurance market on Lombard Street in London, England and subsequently-- since 1769--Lloyds of London. Today, Lloyds still plays a prominent role in Marine Insurance. 保险是被一个经常流连在伦敦的咖啡馆,叫劳埃德的想出的。这些咖啡馆是商人聚集的地方，他们在伦敦的主要业务是航运。他听到了这些商人丢失了船只，以及出海商人的货物被海盗劫持的故事。劳埃德考虑之后，就有了为他们提供保险的念头。第一次收取的保费为每船货物100英镑。由于业务发展的非常成功，他在六个月内就在伦敦开设了办事处。他选址在码头附近，并命名之为劳埃德大厦。这就是在今天首屈一指的，伦敦劳埃德产业。 background BackgroundOcean Cargo Insurance in International Trade Ocean Marine Cargo Insurance This insurance is classified into the following three Conditions- Free From Particular Average （F. P. A. ）， With Average （W. A. ） and All Risks. 平安险，水渍险，一切险 FPA(平安险) 1） Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of transit by natural calamities: heavy weather， lightning， tsunami， earthquake and flood. In case a constructive total loss is claimed for， the Insured shall abandon to the Company the damaged goods and all his rights and title pertaining thereto. The goods on each lighter to or from the seagoing vessel shall be deemed a separate risk. Constructive Total Loss refers to the loss where an actual total loss appears to 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 exceed their ＆#118alue on arrival.　1、被保险货物在运输途中由于恶劣气