版权归 六四(广州)国际货代公司

四角保险业务查询

在国际货物采购业务中,保险是必不可少的条件和环境。其中业务量最大、沙面最广的是四角运输货物保险。
 
 
 
四角条款所承保的险别分为基本险别和附加险别。
 
海上保险覆盖率
 
1. 基本风险
 
海上货物运输基本保险是海上货物运输保险必须选择的一种保险。
 
 
 
基本风险有两种,一般风险和特殊风险。一般险分为平安险、水渍险和一切险。
 
 
 
有两种特殊风险:桐油风险和冷藏风险。
 
 
 
在两种五种险种中,投保人必须根据货物性质和运输条件从其中选择一种作为基本险种。在此基础上,假如投保人愿意,可以选择一些附加风险投保。没有基本保险的保险合同无效。
 
单独海损不保
 
 
 
保险应包括:
 
保险货物在运输途中因恶劣天气、雷电、海啸、地震、洪水等原因造成的全损或推定全损。被保险人主张推定全损时,应当将受损货物及其权利委托给保险公司。在被保险货物由驳船运往或航海船,货物在每个驳可能被视为一个很多。推定全损是指被保险货物的实际全损已经不可避免,或者恢复或修复损坏商品的成本和运输货物到原目的地超过货物的价值目标。
 
 
 
(三)运输工具发生搁浅、沉没、碰撞、与浮冰或者其他物体碰撞以及火灾、爆炸事故,造成货物全部或者部分灭失的。
 
 
 
在运输工人搁浅、触礁、沉没、燃烧等事故中,海上货物在事故发生前后均遭受了恶劣天气、雷电海啸等自然火灾的损失。
 
 
 
在装卸或转运过程中,由于一件或多件整件货物坠海而造成的全部或部分损失。
 
 
 
避难港卸货造成的损失,运输工具发生海难后在中途港或者避难港卸货、仓储、运输货物发生的特殊费用。
 
 
 
在保险责任范围内,被保险人采取措施抢救、防止或者减少对有危险货物的损害所支付的合理费用,不得超过所储存货物的保险金额。
 
 
 
共同海损的牺牲、分摊和救助费用。
 
 
 
运输合同中含有“船舶碰撞责任”条款,根据该条款,货物应当赔偿船舶的损失。
 
 
 
水渍险
 
保险应包括:
 
 
 
 
赔偿上述平安险的损失和费用。
 
 
 
 
 
 
负责保险货物因恶劣天气、雷电、海啸、地震、洪水等自然灾害造成的部分损失。
 
 
 
 
 
 
Wpa一般适用于五金材料、旧汽车、机械、机床、大宗金属材料等不易损坏或不受锈蚀影响的货物。
 
 
 
(3)一切险
 
 
 
这项保险的承保范围
 
赔偿平安险和水渍险的一切损失和费用。
 
 
 
负责保险货物在运输过程中因外部原因造成的全部或部分损失。
 
 
 
(4)桐油散装险
 
 
 
海上运输散装桐油保险是以散装桐油为保险标的的海上货物运输保险。承保海上运输过程中因自然灾害或意外事故造成的散装桐油损失。
 
 
 
(5)冷藏货物的风险
 
 
 
海上运输冷藏货物保险是专门适用于海运冷藏货物的保险。中国保险公司承保的海上运输冷藏货物保险,是根据中国人民保险公司1981年1月1日修订的《海上运输冷藏货物保险条款》办理的。
 
 
 
具体内容包括:海上运输冷藏货物保险分为冷藏保险和冷藏一切险。他们要对普通货物的水渍和所有风险负责,加上由于制冷机械连续24小时以上失灵而造成的腐败或损失。
 
 
 
(6)一般货物险的除外责任
 

In the international goods buying business, insurance is an indispensable condition and environment. Among them business volume is the largest, sand and the most extensive surface is four corners transportation cargo insurance.
 
 
 
The risks covered by the four corners clauses are divided into basic risks and additional risks.
 
Marine insurance coverage
 
1. Basic risks
 
Marine cargo transportation basic insurance is the Marine cargo transportation insurance must choose the kind of insurance.
 
 
 
There are two kinds of basic risks, general risks and special risks. The general risks are divided into fpa, wpa and all risks.
 
 
 
There are two kinds of special risks: tung oil risks and refrigerated risks.
 
 
 
In two kinds of 5 kinds of danger plant, policy-holder must choose a kind to regard as basic danger from among them according to character of goods and carriage condition. On this basis, if policy-holder is willing, can choose a few additional risks to be cast protect. An insurance contract without basic insurance is invalid.
 
(1) free from particular average
 
 
 
This insurance covers:
 
Total loss or constructive total loss of the insured goods in transit due to adverse weather, lightning, tsunami, earthquake or flood. When the insured claims a constructive total loss, the damaged goods and their rights shall be entrusted to the insurance company. Where the insured goods are shipped by barge to or from the seagoing vessel, the goods in each barge may be regarded as one whole lot. Constructive total loss means that the actual total loss of the insured goods is unavoidable, or that the cost of recovering or repairing the damaged goods and transporting the goods to their original destination exceeds the value of the goods at that destination.
 
 
 
Total or partial loss of cargo as a result of the means of transport suffering from, running aground, sinking, collision, collision with drift ice or other objects, and fire or explosion accidents.
 
 
 
In the case of accidents of stranding, hitting rocks, sinking and burning of transportation workers, some losses caused by natural fires such as bad weather, lightning tsunami and so on were suffered by the cargo at sea before and after.
 
 
 
Total or partial loss resulting from one or more whole pieces of cargo falling into sea during loading, unloading or transshipment.
 
 
 
Losses caused by unloading at the port of refuge and special expenses incurred by unloading, warehousing and transporting goods at the port of midway or refuge after the means of transport is shipwrecked.
 
 
 
The reasonable expenses paid by the insured for taking measures to rescue, prevent or reduce the damage to the goods which are at risk within the scope of the insured liability shall not exceed the insured amount of the goods which are saved.
 
 
 
Sacrifice, contribution and salvage costs of general average.
 
 
 
The contract of carriage contains a "vessel collision liability" clause, under which the cargo shall pay for the ship's loss.
 
 
 
With particular average
 
This insurance covers:
 
 
 
 
To cover the above fpa losses and charges.
 
 
 
 
 
 
Responsible for the insured goods due to adverse weather, lightning, tsunami, earthquake, flood and other natural disasters caused by part of the loss.
 
 
 
 
 
 
Wpa is generally applicable to goods that are not easily damaged or will not be affected by rust, such as hardware materials, old automobiles, machinery, machine tools, bulk metal materials, etc.
 
 
 
(3) all risks
 
 
 
The coverage of this insurance
 
To cover all losses and charges against fpa and wpa.
 
 
 
To be responsible for all or part of the loss of the insured goods caused by external reasons during transportation.
 
 
 
(4) risk of tung oil in bulk
 
 
 
Marine transportation bulk tung oil insurance is a kind of Marine cargo transportation insurance which takes bulk tung oil as the subject matter of insurance. It underwrites the loss of bulk tung oil caused by natural disaster or accident in the course of sea transportation.
 
 
 
(5) risk of refrigerated cargo
 
 
 
Marine transport refrigerated cargo insurance is specially applicable to refrigerated cargo Marine cargo insurance. The Marine transport refrigerated cargo insurance offered by Chinese insurance companies is based on the Marine transport refrigerated cargo insurance clauses revised by the people's insurance company of China on January 1, 1981.
 
 
 
The details include: Marine transport refrigerated cargo insurance is divided into refrigerated insurance and refrigerated all risks. They are liable for water damage in general cargo and all risks plus corruption or loss due to the failure of the refrigerating machinery for more than 24 consecutive hours.
 
 
 
(6) exclusions for general cargo risks
 
 
 
Whether fpa, wpa or all risks, the insurer shall not be liable for any of the following losses or expenses in accordance with the Marine cargo transportation insurance clauses of our country:
 
1) losses caused by intentional ACTS or negligence of the insured.
 
2) losses caused by the shipper.
 
3) loss caused by poor quality or short quantity of the insured goods before the commencement of the insurance liability.
 
4) losses caused by natural wear and tear, essential defect, characteristic, market price drop and transportation delay of the insured goods
 
Or fees.
 
5) scope of liability and exclusions provided for in the four corners carriage war risk clause and strike risk clause.
 
As the above exclusions are all based on the subjective fault of the insured, the potential defect of the commodity itself and the loss caused by the inevitable consumption during transportation, the insurer excludes these risks from the coverage.
 
Additional risks
 
 
 
Additional risks cover losses caused by external risks, which can be divided into general additional risks and special additional risks, corresponding to general external risks and special external risks respectively.
 
Additional risk cannot be cast alone protect, can be in cast on the foundation of kind of basic risk, add according to freight need to protect among them one kind or a few kinds. After all risks, as all risks already covers the general additional risks, it is only necessary to extend the coverage for the special additional risks.
 
 
 
(1) general additional risks
 
Classification:
 
1) TPND
 
2) risk of fresh water and rain
 
4) contamination
 
5) leakage
 
6) risk of breakage
 
7) risk of odor
 
8) risk of damp and heat
 
9) hook
 
10) risk of packing breakage
 
11) risk of rusty
 
(2) special additional risks
 
 
 
Special additional risk is with the risk of certain government behavior that causes cargo damage to regard as insurance object, it does not include in all insurance limits, no matter insurant casts any basic insurance, want to obtain the insurance safeguard that the underwriter is right government behavior waits for political risk, must agree with underwriter especially, agree via underwriter especially. Otherwise, the underwriter does not assume insurance liability to this.
 
 
 
Special additional risks
 
1) non-delivery risk
 
2) import tariff insurance
 
3) on deck risks
 
4) refuse to accept the risks
 
5) aflatoxin insurance
 
6) war risk and strike risk
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