Chapter 7 Ocean Marine Cargo Insurance

Chapter 7 Ocean Marine Cargo Insurance

案例引入：你了解海运 保险规定吗?某轮从上海港驶往新加坡,在航行中触礁, 造成船底撞穿,海水涌入,部分货物遭水浸,船 上哪种 长为避免船舶沉没,令船强行搁浅,又使船货 上保险! ,无法继续航行。 保险? 发生损失,由于船舶受损严重 这次事件造成的损失有: (1)1000箱货物由于搁浅遭水浸;(2)600箱由 于触礁被水浸;(3)船只由于搁浅受损如何办理保 ; (4)额外发生的员工薪金伙食,燃油费用.

险,应注意什 么问题? 2

For Preparation I.. II. Category of the chapter: theoretical and practical nature III. Learning objects and requirements IV. Organization, design and process of presentation V. Key and difficult points VI. Presentation organization and design As shown at the above Point IV Extra job: Require students search on Internet to find out all the samples of ocean insurance in international trade.3

Learning Objectives Time arrangement: totally 6 hours are to be allocated to study the chapter to understand the expressions of marine insurance in international trade · to learn some basic knowledge of marine insurance in international trade · require students to remember all the terms and expressions · require students to speak out and interpret these expressions · require students to try to find some cases of marine insurance in international trade

Contents of Chapter 7 1. Overview of Ocean Marine Insurance 2. Need for Insurance 3. Coverage of Ocean Marine Cargo Insurance 4. Fundamental Principles of Cargo Insurance 5. Main Categories of General Cargo Insurance 6. Choice of the Right Coverage

7. Institute of London Underwriters (伦敦保险协会海运货物保险条款) 8. Major Types of Insurance Policy 9. Warranties 担保 10. Assignment of the Insurance Policy 11. Premium ['pri:mi m] 保险费 12. Cargo Insurance claims保险索赔

Section OneIn This Section :1. Overview of Ocean Marine Insurance 2. Need for Insurance 3. Coverage of Ocean Marine Cargo Insurance 4. Fundamental Principles of Cargo Insurance

1. Overview of Ocean Marine InsuranceMarine Insurance and Its Development

海上保险是各类保险中起源最早的一种 14世纪后半叶，海上保险在意大利出现。当 时在地中海航海商人中间有一个共同遵循的原 则：“一人为众，众为一人”(One for All, All for One ), 即共同海损分摊原则。

Marine insurance in the late middle ages – Merchants / bankers concerned with loss due to piracy ['pai r si] and storms – Bankers provided guarantees against loss; merchants paid the bankers in exchange for protection 船舶抵押借款是海上保险的雏形 中世纪海上贸易的发达带来了船舶抵押 借款和货物抵押制度。9

海上保险迅速发展随着世

界贸易中心领域逐渐从意大利扩 展到英国、法国、荷兰等欧洲大陆；加 之14、16世纪新航路的开辟，使欧洲商 人的贸易范围空前扩大，海上保险得到 迅速发展和完善。10

英国海上保险的发展及劳合社的产生 1601年伊丽莎白女王制定第一部有关海上保险 的法律

1720年英国国王特许“皇家交易所”及“伦敦” 两家保险公司经营海上保险 劳合社(Lloyd s [l id] )由劳埃德咖啡馆演变 发展为个体保险人经营的保险公司，当今已成 为世界上最大的保险垄断组织之一11

1. Overview of Ocean Marine Insurance Definition: Insurance is a contract whereby借以 one party, in consideration of 鉴于 a premium paid, undertakes to indemnify [in'demnifai] 赔偿the other party against loss from certain perils or risks to which the subject matter insured may be exposed to.12

涵

义：

保险(Insurance):是指投保人(Insured [in u d] )与保险人(Insurer [in u r ] )订立 合同，根据合同约定，投保人向保险人支付保险 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的契 约行为。13

It is an extensive subject and ocean marine insurance is only a part of private insurance.

Ocean marine insurance covers ships and theircargoes, both on the high seas and on inland waterways. Notes: indemnify [in'demnifai] :赔偿

perils ['peril] :危险marine [m 'ri:n] :海洋的，海事的

high seas:远海14

Parties to the Insurance Insurer or underwriter 保险人：是收取保险费 并负责履行经济补偿义务的一方。 Insured 被保险人:是保险事故发生后，可以享受

赔偿请求权的人 applicant投保人: 是向保险人申请订立保险合同 并负有缴纳保险费义务的保险单持有人。 Insurance Broker Claimant [ kleim nt] 保险经纪人 提出索赔者15

2. Need for Insurance Exporters and importers face all the time uncertainties of loss of their goods. Insurance is used to protect their financial interests against such risks and actual losses. Trade and insurance can and do exist independently, but in proper context, insurance is an indispensable adjunct ['æd kt]不可缺少的 附件. Without adequate insurance and protection of the interests of those with goods in transit, international trade would be negatively affected.16