[经济学]帅ch8.ppt

Chapter 8
International Cargo Transportation Insurance
General Introduction
Cargo transport insurance is to protect the interests of importers and exporters from possible financial losses caused by risks during the transit of goods from the factory or warehouse in a country of origin to the warehouse in a country of destination. It is now an indispensable part to the import and export practice.
In insurance, the party who insures others against possible loss or damage and undertakes to make payment in case of loss is called the insurer; the party who is insured against possible loss and to whom payment covering the loss will be made is called the insured.
The contract made between the insurer and the insured is the insurance policy. The amount of money the insurer agrees to cover by insurance against the subject matter is the insured amount (which is usually the amount of CIF value of the consignment plus 10% representing an anticipated profit for the buyer). The sum of money the insured agrees to pay the insurer for an insurance policy is called premium.
The insurance broker is the middleman in insurance business. When an actual loss occurs, the insured can get fair, efficient and rapid adjustment of his claim, thus es the claimant.
Marine Cargo Insurance
Types of risks, losses and expenses covered.
Scope of insurance coverage
Procedures of marine insurance
Types of Risks, Losses and Expenses Covered
Risks in cargo transport are of many kinds. Different risks mean different losses, and different risks are covered by different insurance clauses and further different insurance clauses mean different premiums. So we need to have a good understanding of the different risks and losses before we know how to effect insurance.
In marine cargo transport insurance, risks fall into perils of the sea and extraneous risks.
Perils of the Sea
Perils of the sea can further be either natural calamity and fortuitous(意外事故) accidents.
Natural calamity (自然灾害