外贸函电-保险--Insurance课件.ppt

1,Unit 9 Insurance,9.1 Introduction of Insurance9.1.1 The Parties of Insurance9.1.2 Risks,Losses and Expenses9.1.3 Ocean Marine Insurance Under C.I.C.9.1.4 Insurance Documents9.2 Specimen Letters of Insurance,保险的种类,2,-财产保险-责任保险-信用保险-人身保险,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,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 underwriterInsured amount保险金额（Insurance）premium：保险费premium rate 保险费率,货物运输保险保障的范围,风险损失费用,6,9.1.2 Risks,Losses and Expenses,insurance coverage;risks covered 保险范围,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,8,Losses,Actual Total Loss,Constructive Total Loss,Particular Average,General Average,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,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.,（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,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,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。,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）.,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,16,Expenses,Expenses,Sue and Labor expenses,Salvage charges,三、费用Expenses1、施救费用 Sue and Labor Expenses2、救助费用 Salvage Expenses3、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。,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.,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 RisksF.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,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,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。,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,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）,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,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 Caused by Sweating and Heating 受潮、受热险 9.Hook damage 钩损险 10.Loss and/or Damage Caused by Breakage of Packing 包装破裂险 11.Risk of Rusting 锈损险,26,特别附加险（Special Additional Risks）1.Failure to Deliver Risk 交货不到险 2.Import Duty Risk 进口关税险 3.On Deck Risk 舱面险 4.Rejection Risk 拒收险 5.Aflatoxin Risk 黄曲霉素险6.War Risk 战争险 7.Strike Risk 罢工险 8.Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong,Including Kowloon,or Macau 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款,27,9.1.4 Insurance DocumentsInsurance policy保险单/大保单Insurance certificate保险凭证 Combined certificate联合凭证 Open policy预约保单 Endorsement批单,28,Examples of insurance clauses in the sales contract 1.Except in cases where the insurance is covered by the Buyers as arranged,insurance is to be covered by the Sellers with a Chinese insurance company.If insurance for additional amount and/or for other insurance terms is required by the Buyers,prior notice to this effect must reach the Sellers before shipment and is subject to the Sellers agreement,and the extra insurance premium shall be for the Buyers account.,29,2、Insurance:To be covered by the Seller against.(risk)according to Ocean Marine Cargo Clauses of the Peoples Insurance Company of China dated January 1,1981.3、As our usual practice,insurance covers basic risks only,at 110 percent of the invoice value.If coverage against other risks is required,such as breakage,leakage,TPND,hook and contamination damages,the extra premium involved would be for the buyers account.Theft,Pilferage and Non-delivery(TPND)偷窃、提货不着险,签定国际货物买卖合同中的保险条款应注意的问题：1、应明确按什么保险条款进行投保2、应明确不同保险条款的生效日期3、应明确投保险别4、应明确何方负责投保5、应明确投保加成率6、如加保战争险，应明确“若发生有关保险费率调整，所增加的保费由买方负担”,相关专业词汇,Insured被保险人 Strike Risk罢工险Underwriter保险人 Warehouse to Warehouse Clause仓至仓条款Total Loss全部损失 Overland Transportation Risks陆运险Partial Loss部分损失 Overland Transportation All Risks陆运一切险Particular Average单独海损 Insured Amount保险金额General Average 共同海损 Insurance Premium 保险费Free from Particular Average，FPA 平安险 Insurance Policy 保险单With Particular Average，WPA 水渍险 Insurance Certificate 保险凭证All Risks，A.R.一切险Combined Certificate 联合凭证General Additional Risk 一般附加险 Insurance Cargo Clause,ICC 协会货物条款Special Additional Risk 特殊附加险War Risk 战争险,32,Specimen Letter：Insurance,Dear SirsThank you for your letter of June 28,in which you inquired about the insurance of your Order No.447.Generally speaking,if goods are sold on CIF basis,as it is in your case,we insure goods against All Risks for 110%of the invoice value.Should the buyer require broader coverage,the extra premium is for buyers account.,33,We would like to inform you that there are three kinds of basic insurance coverage under the Ocean Marine Cargo Clauses of the Peoples Insurance Company of China dated January 1,1981:F.P.A.(Free from Particular Average),WA or W.P.A.(With Average or With Particular Average),and A/R(All Risks).A/R is the broadest form of coverage.,34,The insurance terminates when the goods reach the consignees warehouse at the destination named in the policy.It is limited,however,to sixty days after completion of discharge of the insured goods from the seagoing vessel at the final port of discharge if they dont reach the above-mentioned warehouse or place of storage.PICC enjoys high reputation in settling claims promptly and equitably.It has agents in almost all major cities and ports all over the world to handle claims.,35,It will be very convenient to file claims for the loss of or damage to the goods with the insurance agent at your end.In case of the claim,the insured is required to submit the following documents:*Original Policy or Certificate of Insurance*Original or copy of B/L*Packing List and Invoice*Certificate of Loss/Damage,or Short-landed（短卸)Memo,and Survey Report*Statement of Claims,36,Please feel free to contact us again if you have any further questions or you may contact the agent of PICC at your end at(phone number,followed by the address).Yours faithfully,37,Explanation：A.Generally speaking,if goods are sold on CIF basis,as it is in your case,we insure goods against All Risks for 110%of the invoice value.1.insure：vt.保险，投保 投保，办理保险Cover insuranceEffect insuranceArrange insuranceProvide insuranceTake out insurance,38,insurance后介词的用法：1.表示投保的险别。后接 against。如：Insurance against all risks 2.表示保额。后接for 如 insurance for 110 of the invoice value 3.表示保险费或费率，后接at如：insurance at a slightly higher premium，insurance at the rate of 54.表示向某保险公司投保，后接with，如：insurance with PICC,39,B.Should the buyer require broader coverage,the extra premium is for buyers account.coverage：n.承保范围，保险险别 We are glad to say we can provide such coverage.货物溢短单(Over-landed/Short-landed Cargo List)货物溢短单是指船舶卸货完毕后由理货长将卸货记录汇总而编制的表明货物所卸的数量与提单或其他有关单证所载数量比较，溢卸或短缺情况的书面证明。,40,Exercises,The client thinks it more convenient for the insurance to be covered(to be taken care of)by you than by himself.Please effect insurance for 150%of the invoice value against All Risks and War Risk,as requested by the buyer.We can only cover insurance for 110%of the invoice value according to the contract stipulations and therefore we regret being unable to comply with your requestThis insurance policy covers us against TPND.If you desire us to insure against a special risk,an extra premium will have to be charged.,41,客户认为由你方办理保险比他们自行投保更为方便。按照买主的要求，请按该货发票金额的150%投保一切险和战争险。我们只能根据合约规定按照发票金额的110%进行保险，因此，报歉难按你方要求办理。该保险单为我们保了偷窃、提货不着险。如果你方需要我方投保特殊险，则需要收取额外保险费。,技能实训,将下面的保险条款翻译为中文：The amount insured of all transactions on the basic of CIF is 110%of the invoice.The risk is decided by the stipulations in the sales contract.If the buyer require adding the amount insured or the covering range,the consent shall be from the seller before the shipment and the extra premium shall be born by the buyer.,