金色的鱼钩 图文.ppt

International trade practice
主讲:刘伟良
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Chapter 7 Ocean Marine Cargo Insurance
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Overview of Ocean Marine Insurance
Need for Insurance
Coverage of Ocean Marine Cargo Insurance
Fundamental Principles of Cargo Insurance
Main Categories of General Cargo Insurance
Choice of the Right Coverage
Institute of London Underwriters
Major Types of Insurance Policy
Warranties
Assignment of the Insurance Policy
Premium
Cargo Insurance Claims
保险——是指投保人根据合同约定,向保险人支付保险费,保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任,或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的商业保险行为。(中国保险法)
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1. Overview of Ocean Marine Insurance
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Insurance is a contract whereby one party, in consideration of a premium paid, undertakes to indemnify the other party against loss from certain perils or risks to which the subject matter insured may be exposed to.
Insurance
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Fundamental Principles of Cargo Insurance
1) Insurable interest - 可保利益原则
Insurable means the person insuring must have the absolute ownership of the subject matter insured. Interest means that the person insuring must be the one who stands to bear some financial loss if the risk materializes.
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保险利益原则——指被保险人与保险标的物之间应具有利害关系。被保险人向保险人提出索赔时,须证明自己同保险标的物有明确的利害关系。然而,现实中,保险人对被保险人的预期利益允予承保。如,买方对FOB、CFR条件下的货物可以预先安排保险。
Insurable interest will be transferred from the seller to the buyer in int’l trade through the transfer of insurance policy or certificate.
The time of transferring insurable interest from the seller to the buyer is the time the seller endorses the insurance policy or certificate to the buyer.
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2) Utmost good faith - 最大诚信
The principle of utmost good faith implies into each insurance contract a requirement to act with the highest degree of integrity towards the other party, to be full and frank in disclosure and to act with fairness. Utmost good faith is usually divided into ponents: representations, concealments, and warranties.
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订立保险合同时,双方须本着最大的诚信,把各自作为订约依据的主要条件真实地、毫不保留地告诉对方,以便让