国际贸易法Chapter4MarineInsurance完整版.pptx

Chapter4MarineInsurance

Unit1BriefIntroduction Unit2PerilsandLosses Unit3InsuranceCoverageUnit4Indemnifytheloss

Unit1BriefIntroduction1.1RelevantLaws 1.2DefinitionandLegalNature 1.3FundamentalPrinciples1.4Conclusion,TerminationandAssignmentofContract 1.5MarineInsurancePoliciesandCertificates1.6Obligationsofparties

1.1RelevantLaws1.UKThe(UK)MarineInsuranceActof19062.U.S.TheMcCarran-FergusonAct3.CNTheMaritimeCodeofthePRC(MaritimeCode)

1.2DefinitionandLegalNature1.DefinitionAcontractwherebytheinsurerundertakes,asagreed,toindemnify[1]thelosstothesubjectmatterinsuredandtheliabilityoftheinsuredcausedbyperils[2]coveredbytheinsuranceagainstthepaymentofaninsurancepremium[3]bytheinsured.(Maritimecode216)

[1]补偿[2]风险[3]保险费

2.GeneralFeatures[1](1)ContractofIndemnity[2]

[1]法律性质[2]补偿性协议

(2)BilateralContract[1]Forexample,“SuzetteSellerpromisestosellherhousetoBobbyBuyerandBuyerpromisestopaySeller$100,000forit.”Vs.“unilateralcontract”

(3)ConsensualContract[2]Acontractformedmerelybyconsent.

l??Vs.RealContractContractisformedbythemereconsentoftheparties.

(4)InformalContract[1],butalwaysstandardContract[2]

[1]非要式协议[2]格式协议(5)Aleatorycontract[1]

[1]射幸协议

1.3FundamentalPrinciples1.IndemnityPrinciple2.PrincipleofInsurableInterest3.PrincipleofUtmostGoodFaith

1.IndemnityPrincipleTheinsuredshouldnotprofitfromalossordamagebutshouldbereturned(asnearaspossible)tothesamefinancialpositionthatexistedbeforethelossordamageoccurred.

2.PrincipleofInsurableInterestAninsurableinterestreferstotheinterestwhichtheapplicanthasinthesubjectmatteroftheinsuranceandisrecognizedbylaws.

3factors:MustbelegalMustbeoffinancialvaluationMustbedefinite

Qs:IsItInsurableInterest?A本打算与B签订长久旳协议，但A因为意外事件而未能与B签造成B受损，这种还未建旳商业交易不为法律所保护。Insuredforma