国际贸易实务（双语） (INTERNATIONAL TRADE PRACTICE IN CHINESE AND ENGLISH)（下部分）主讲：葛志财 *War Risk*Strike Risk*On deck risk*Import duty risk clause*Rejection risk*Afloatoxin risk*Failure to delivery clause*Ocean Marine Cargo War Risk*Fire Risk Extension Clause for Storage of Cargo at destination HongKong, including Kowloon or Macao Special additional risks include:In international trade, in addition that the goods shipped by sea must be insured, the goods transported by land, air and parcel post should also be insured. Therefore, the insurance company may have different clauses and terms to meet the need of different transportation. 3 Insurance under other Transportation MethodsOverland transportation insuranceAir transportation risks insuranceParcel Post Insurance4 Commencement and Termination of InsuranceLondon Insurance Institute Cargo Clauses was first made in 1912. The newly revised London Insurance Institute Cargo Clauses in 1982 include 6 kinds: (1) Institute Cargo Clause A; (2) Institute Cargo Clause B; (3) Institute Cargo Clause C; (4) Institute War Clause-Cargo; (5) Institute Strike Clause-Cargo; (6) Malicious Damage Clause;5 London Insurance Institute Cargo Clauses责任起讫范围Basic InsuranceW / W Clause （仓至仓条款）General Additional RiskStrike RisksWar Risks水面危险 或运输工 具上危险Special Additional RiskLondon Insurance Institute Cargo Clauses伦敦保险协会海 运货物保险条款Basic RiskAdditional RiskICC（C）ICC（B）ICC（A）F.P.A.W.P.A.A.R.The newly revised London Insurance Institute Cargo Clauses in 1982 include 6 kinds: 1、 ICC（A）：协会货物条款（A）2、 ICC（B）：协会货物条款（B）3、 ICC（C）：协会货物条款（C）4、 Institute War Clause-Cargo 5、Institute Strike Clause-Cargo 6、Malicious Damage Clause 协会货物保险条款（Institute Cargo Clause，ICC）除恶意损害险外 ，其余5种均可单 独投保。Insurance Documents1) Insurance PolicyThe insured：Claim at赔付地点 ：Date of Insurance ：The Seller，transferable after endorsementDestinationNot late than B/L2) Insurance Certificate 3) Combined Certificate4) Endorsement保险更改批单 When the goods are exported to Hong Kong, and some countries in Southeast Asia, the insurance company sometimes adds the coverage and insurance amount on the commercial invoice which is made out by a foreign trade company. This is a certificate which combines the invoice with the insurance policy. It is the simplest insurance certificate in use.After insurance has been taken out, if the insured wants to replenish or change the contents of the policy, he may apply to the company for the same. After agreement by the company, another certificate which indicates the relative amendment will be issued. This certificate is called endorsement. Open Policy预约保单 This type of policy is of great importance for export business, it is convenient method for insuring the goods where a number of consignments of similar export goods are intended to be covered. An open policy covers these shipments, as soon as they are made, under the previous arrangement between the insured and the insurance company.6 Choosing the right coverage The clear distinction among the clauses F.P.A., W.P.A. and All Risks is of great practical significance. It may help exporters choose the right coverage. Products should be insured in the appropriate category. e.g.Special Additional Risk特殊附加险1、战争险（War risk）战争险的保险责任起讫：仅限于水面 危险案例分析：某公司出口某货物，投保 一切险加战争险，该船抵达目的港开始卸货时， 当地发生武装冲突，部分船上货物及部分已卸到 岸上的货物被毁。问：保险公司如何赔偿？2、罢工险（Risk of Strike,Riots and Civil Commotions:SRCC 罢工暴动民变险）罢工险是保险人承保罢工者、被迫停 工工人、参加工潮、暴动和民众、战争的人员 采取行动所造成的承保货物的直接损失，对间 接损失不负责，如由于劳动力短缺或无法使用 劳动力,致使堆放码头的货物遭到雨淋日晒而受损、冷冻机因无燃料而中断造成的被保险货物 的损失不负责赔偿。注：罢工险的保险责任期间是“仓至仓”；已投 保战争险又加保罢工险时，一般不另行收费。3、 Failure to deliver交货不到险被保险货物从装上船开始，6个月 仍不能运到原定目的地交货，则不论何种原 因，保险公司均按全损赔付。 4、 Import duty risk进口关税险承保货物已发生保险责任范围内的 损失，但被保险人仍需按货物的完好状态完 税而遭受的损失。 5、 On deck risk舱面险 6、 Rejection risk拒收险 7、 Aflatoxin risk黄曲霉素险 8、Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong including Kowloon or Macao存仓火险责任扩展条款Insurance value, in marine cargo insurance, is the actual value of the insurable cargo. It is generally calculated as: Cost of goods+amount of freight+insurance premium+percentage of the total sum to represent a reasonable profit for the buyer. Insurable value is the maximum amount payable by the insurance company in case of loss and premium is calculated and paid on the basis of this amount.Section Four Insurance ValueSection Five Insurance Premium The insurance premium is payable to the insurer when he issues the insurance policy or certificate. The premium charge for the insurance policy is calculated according to the risks involved. A As to the Insurance Documents, please refer to the text book and understand how to make all those documentsTake out Insurance Practice of marine cargo insurance Cautions for insuranceInsurance claim Introduction of the insurance coverage of marine cargo transport Introduction of the insurancecoverage of marine cargo transportBasic risks additional risks responsibilitiesand time limitof insurance the exclusion ofbasic coverage