外贸函电-保险--Insurance课件

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,1,Unit,9,Insurance,9.1 Introduction of Insurance,9.1.1 The Parties of Insurance,9.1.2 Risks,Losses and Expenses,9.1.3 Ocean Marine Insurance Under C.I.C.,9.1.4 Insurance Documents,9.2 Specimen Letters of Insurance,1Unit 9 Insurance9.1 Introd,保险的种类,2,-,财产保险,-,责任保险,-,信用保险,-,人身保险,保险的种类 2-财产保险,进出口货物运输的保险实务,选择恰当的保险险别,一般应考虑以下因素：,1、货物的性质和特点,2、货物的包装,3、货运航线、停靠港口及装卸货的损耗情况,4、运输季节、气候及安全因素,5、货物的残存规律,进出口货物运输的保险实务 选择恰当的保险险别,4,9.1 Introduction of Insurance,9.1.1 The Parties of Insurance,被保险人,the insured/,投保人,applicant,保险人,Insurer/,承保人,underwriter,Insured amount,保险金额,（,Insurance,）,premium,：保险费,premium rate,保险费率,49.1 Introduction of Insurance,货物运输保险保障的范围,风险,损失,费用,货物运输保险保障的范围风险,6,9.1.2 Risks,Losses and Expenses,Coverage of Insurance,Losses,Risks,Expenses,insurance coverage;risks covered,保险范围,69.1.2 Risks,Losses and Expen,海上风险,Perils of the Sea,外来风险,Extraneous Risks,自然灾害,Natural Calamity,意外事故,Fortuitous accidents,一般外来风险,General Extraneous Risks,特殊外来风险,Special Extraneous,风险,Risks,海上风险外来风险自然灾害意外事故一般外来风险特殊外来风险风险,8,Losses,Actual Total Loss,Constructive Total Loss,Particular Average,General Average,Losses,Total Loss,Partial Loss,8LossesActual Total LossConstr,二、损失,Losses,损失,Losses,海上损失,Perils of the Sea,其他损失,全部损失,Total Loss,实际全损,Actual Total Loss,推定全损,Constructive Total Loss,部分损失,Partial Loss,共同海损,General Average,单独海损,Particular Average,一般外来损失,特殊外来损失,二、损失 Losses损失海上损失其他损失全部损失实际全损A,10,1.Total Loss,(1)Actual total loss(,实际全损,),The actual total loss occurs where the insured goods have been totally lost or damaged,or found to be totally valueless on arrival.,(2)Constructive total loss(,推定全损,),Constructive total loss is found in the case 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 value on arrival.,10 1.Total Loss,（一）全部损失,：,Total Loss,一张保险单下包括多张提单的货物，其中一张或几张提单货物的完全灭失,一张保单所保货物的完全损失,一条驳船所载货物的完全损失,装卸过程中一个整件货物的完全损失,（一）全部损失：Total Loss一张保险单下包括多张提,1、实际全损,Actual Total Loss,被保险货物的实体已经完全灭失,被保险货物遭到严重损害，已丧失了原有的用途和价值,被保险人对保险货物的所有权已无可挽回地被完全剥夺,载货船舶失踪，达到一定时期仍无音讯,1、实际全损 Actual Total Loss被保险货物,2、推定全损,Constructive Total Loss,1、保险标的损失严重，构成实际损失已无法避免。,2、为了防止保险标的的实际全损而需要支付的费用将超过保险标的的价值。,3、被保险货物受损后，修复费用、整理费用以及续运到目的地的费用，将超过其到达目的地的价值。,4、保险标的遭受保险事故，使被保险人丧失了对其享有权，而收回该所有权所需费用，将超过保险标的价值。,2、推定全损 Constructive Total Loss,14,2.Partial Loss,Partial loss refers to the loss of part of a consignment.,According to different causes,partial loss can be further divided into:,general average,（共同海损）,and;,particular average,（单独海损）,.,142.Partial Loss,共同海损与单独海损的区别,比较项目,单独海损,损失的,内容,致损,原因,损失的,承担者,共同海损,受损者自己承担,除保险标的外，还,包括支出的特殊费用,受益各方根据获救利,益的大小按比例分摊,保险标的物,为解除或减轻风险，,人为地有意识地造成,由所承保的风险直接,导致船、货受损,共同海损与单独海损的区别比较项目单独海损损失的致损损失的共同,16,Expenses,Expenses,Sue and Labor expenses,Salvage charges,16ExpensesExpensesSue and Labo,三、费用,Expenses,1、施救费用,Sue and Labor Expenses,2、救助费用,Salvage Expenses,3、特别费用,Special Expenses,运输工具遭受海难后在避难港卸货所引起的损失，以及由于卸货、存仓、运送货物所产生的费用。,4、额外费用,为了证明损失、索赔成立而支付的费用。,三、费用Expenses,18,1.Sue and labor expenses,These expenses are the expenses arising from measures properly taken by the insured,the employee and the assignee,etc.for minimizing or avoiding losses caused by the risks covered in the insurance policy.The insurer is held responsible to compensate for such expenses.,2.Salvage charges,Salvage charges are expenses resulting from measures properly taken by a third party other than the insured,the employee and the assignee,etc.,18 1.Sue and labor expenses,19,9.1.3 Ocean Marine Insurance Under C.I.C.,China Insurance Clause(CIC):,中国保险条款,There are three kinds of basic risks under Ocean Marine Cargo Clauses,（海洋运输货物保险条款）,:,Basic Risks,F.P.A.(Free from Particular Average),平安险,;,W.P.A.(With Average or With Particular Average),水渍险,;,All Risks,一切险,.,Additional risks:,General Additional Risks,一般附加险,Special Additional Risks,特别附加险,199.1.3 Ocean Marine Insurance,基本险别,Basic Coverage,附加险别,Additional Coverage,一切险（,AR）,平安险（,FPA）,水渍险（,WPA/WA）,一般附加险,General Additional Coverage,特殊附加险,Special Additional Coverage,基本险别附加险别一切险（AR）平安险（FPA）水渍险（W,平安险,(,F.P.A.):Free from Particular Average,是海上货物运输保险中责任最小的一种险别，一般适用大宗、低值、粗糙，无包装的货物，如废铁、木材、矿砂等的海上运输。,平安险(F.P.A.):Free from Particu,水渍险(,WPA)With Particular Average,保险责任排除了货物的锈损、碰损、破碎及散装货物的部分损失。它一般适用于不易损坏或不因生锈而影响使用的货物，如五金材料，旧的汽车、机械、机床、散装金属原料等。,水渍险=平安险+自然灾害引起的部分损失,水渍险(WPA)With Particular Averag,一切险(,AR):All Risks,承保范围最广泛，因而适宜于价值高、可遭受损失因素较多的货物投保。,一切险=水渍险+一般外来原因造成的损失（一般附加险）,一切险(AR):All Risks,二、附加险,Additional Coverage,不能单独投保，只能在投保了基本险的基础上加保。,（一）一般附加险,General Additional Coverage,（二）特殊附加险,Special Additional Coverage,二、附加险 Additional Coverage,25,一般附加险（,General Additional Risks,）,1.Theft,Pilferage and Non-delivery(TPND),偷窃、提货不着险,2.Freshwater and Rain Damage,淡水雨淋险,3.Risk of Shortage,短量险,4.Risk of Intermixture and Contamination,混杂、玷污险,5.Risk of Leakage,渗漏险,6.Risk of Clashing and Breakage,碰损破碎险,7.Risk of Odor,串味险,8.Damage Cau