国贸chapter 8.ppt

Chapter 8Cargo Insurance
General Introduction
Cargo 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(保险人/承保人); the party who is insured against possible loss and to whom payment covering the loss will be made is called the insured(被保险人).
The contract made between the insurer and the insured is the insurance policy(保险单). The amount of money the insurer agrees to cover by insurance against the subject matter is the insured amount(保险金额) (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(保险费).
The insurance broker(保险经纪人) is the middleman in insurance business. When an actual loss occurs, the party who suffers will lodge a claim against the insurance party is called the claimant(索赔者).
Marine Insurance 海运保险
Types of risks, losses and expenses covered.
Scope of insurance coverage
Procedures of marine insurance
Types of Risks, Losses and Expenses Covered(P115)
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 (海上风险)and extraneous risks(外来风险).
Perils of the Sea (海上风险)
Perils of the sea can further be either natural calamity and fortuitous acc