《国际贸易实务与操作》课件3-4：拟定保险条款Insurance terms.pptx

1、Formulation of contract ScenarioDear Rosemary,Glad to receive your email dated March，29,2012.Through the consideration,we decide to accept your terms and confirm as follows:u Commodity and specification:Boys jacket，Style no.DJ123，Shell:woven twill 100%cotton，lining:woven 100%polyester u Quantity:500

2、0pcs u Packing:20 pieces are packed in one export standard carton,solid color and solid size in the same carton.u Price and terms:USD10.7/pc CIFC5%DUBAIu Payment:By irrevocable letter of credit at 60 days after sight u Shipment:Within 60 days upon receipt the L/C of this deal.Shipment from Shanghai

3、to Dubai,transshipment is allowed and partial shipment is not allowed.Please send us a confirmation and thank for your cooperation.Yours sincerely，John销售合同销售合同SALES CONTRACT卖方卖方SELLER:SELLER:MORNING STAR LTD.CO.21,KUMA ROAD,PUDONG DISTRICT SHANGHAI,CHINA编号编号NO.:980301日期日期DATE:FEB.18,1998地点地点SIGNED I

4、N:SHANGHAI,CHINA买方买方BUYER:CANADIAN K&LIFDON DISTRIBUTORS101,LINDAR STREET,VANCOUVER,CANADA买卖双方同意以下条款达成交易：This contract Is made by and agreed between the BUYER and SELLER,in accordance with the terms and conditions stipulated below.1.品名及规格品名及规格Commodity&Specification2.数量数量Quantity3.单价及价格条款单价及价格条款Unit

5、 Price&Trade Terms4.金额金额AmountCIF VANCOUVER GBW32 BASKETBALLGBW322 FOOTBALL ERVS VOLLEYBALL2000PCS2000PCS3000PCSUSD2.15/PCUSD2.6/PCUSD1.45/PCUSD4,300.00USD5,200.00USD4,350.00Total:7000PCSUSD13,850.00允许With5%溢短装，由卖方决定More or less of shipment allowed at the sellers option5.总值总值Total ValueSAY US DOLLAR

6、S THIRTEEN THOUSAND EIGHT HUNDRED AND FIFTY ONLY6.包装包装PackingIN CARTONS OF 50 PIECES EACH7.唛头唛头Shipping MarksDESIGNED BY THE SELLER8.装运期及运输方式装运期及运输方式Time of Shipment&means of TransportationDURING APRIL BY SEA9.装运港及目的地装运港及目的地Port of Loading&DestinationFROM SHANGHAI TO VANCOUVERPARTIAL SHIPMENT TO BE

7、PROHIBITED AND TRANSHIPMENT TO BE ALLOWED10.保险保险InsuranceCOVERING ALL RISKS AND WAR RISK FOR 120%INVOICE VALUE AS PER CIC(1981.1.1)CLAIM AT DESTINATION PORT11.付款方式付款方式Terms of PaymentTHE BUYER SHOULD OPEN THE SIGHT IRREVOCABLE LETTER OF CREDIT FOR FULL INVOICE VALUE TO THE SELLER NOT LATER THAN THE

8、END OF MARCH;THE CREDIT IS VALID BY NEGOTIATION WITHIN 10 DAYS AFTER THE DATE OF SHIPMENT IN CHINA.Risks/Loss and expenses during the transportation of marine cargo一、风险 Risks（一）海上风险Perils of the sea 1、自然灾害Natural calamities 2、意外事故Unexpected accidents（二）外来风险Extraneous risks1、一般外来风险General risks 2、特殊外

9、来风险Special risks IntroductionIntroductionVarieties of loss实际全损actual total loss 推定全损constructive total loss海上损失全部损失total loss 部分损失partial lossIntroductionIntroductionpartial loss共同海损general average 单独海损particular average构成共同海损的条件是：（1）危险必须是实际存在的，而非主观臆测的。（2）必须是有意的、合理的，为了船货共同安全。（3）采取的措施有效地保证了船货共同安全。Int

10、roductionIntroduction所谓施救费用是指被保险货物在遭受承保责任范围内的灾害事故时，被保险人或其代理人或保险单受让人，为了避免或减少损失，采取各种措施而支出的合理费用。费用 Expenses海上风险还会造成费用支出，主要有施救费用和救助费用。所谓救助费用是指保险人或被保险人以外的第三者采取了有效的救助措施之后，由被救方付给的报酬。IntroductionIntroductionsue and labor expenses salvage charge IntroductionIntroduction一、基本险 basic coverage（一）平安险（F.P.A)（二）水渍险

11、（W.P.A.）（三）一切险（A.R.）Marine Insurance CoverageChina Insurance Clause (CIC,2009.1.1)来源于PICC（中国人保）IntroductionIntroduction平安险承保责任范围最小，所缴保险费最少。（二）水渍险（WPA.）承保范围：平安险所承保的全部责任。自然灾害造成的部分损失。（一）平安险（FPA)IntroductionIntroductionFPA(Free from Particular Average)WPA(With Particular Average)（三）一切险（A.R.）责任范围：一般外来原因造

12、成全部或部分损失。水渍险的保险责任IntroductionIntroductionAll Risks被保险人的故意行为或过失所造成的损失。属于发货人责任引起的损失。在保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的损失。被保险货物的自然损耗、本质缺陷以及市价跌落、运输延迟所造成的损失或费用。战争险和罢工险条款规定的责任范围和除外责任。Exclusions for basic coverage IntroductionIntroduction出口方码头进口方车站仓至仓条款（Warehouse to Warehouse ，W/W clause）Expiration for the co

13、verageIntroductionIntroduction二、附加险Additional coverage一般附加险 general additional特殊附加险 special additional risksAll these All these eleven risks eleven risks are included in are included in All RisksAll RisksSpecial additional coverage is usually taken out together with FPA,WPA or All Risks.二、附加险1、一般附加险

14、1）偷窃、提货不着险2）淡水雨淋险3）渗漏险4）短量险5）混杂、玷污险6）碰损、破碎险等等2、特殊附加险1）交货不到险2）进口关税险3）舱面险4）黄曲霉素险5）拒收险6）战争险*7）罢工险IntroductionIntroduction三、伦敦保险协会货物保险条款与险别1、ICC（A）2、ICC（B）3、ICC（C）4、ICC战争险条款5、ICC罢工险条款6、恶意损害险条款Institute Cargo Clause (ICC,2009.1.1)IntroductionIntroductionCase discussing 2011年8月，我某出口公司对外签定一份以FOB为条件的农产品合同，买

15、方已向保险公司投保仓至仓条款的一切险。货物从我公司仓库运往装运港码头时发生承保范围内的损失，事后我公司以保险单含有仓至仓条款要求保险公司赔偿，被拒绝，后我公司又请买方以买方的名义凭保险单向保险公司索赔同样遭拒绝。分析 某货轮从天津新港驶往新加坡，在航行途中船舶货舱起火，大火蔓某货轮从天津新港驶往新加坡，在航行途中船舶货舱起火，大火蔓延到机舱，船长为了船、货的共同安全，下令往舱内灌水，火很快就扑灭，延到机舱，船长为了船、货的共同安全，下令往舱内灌水，火很快就扑灭，但是由于主机受损，无法继续航行，于是船长决定雇用拖轮将船拖回新港但是由于主机受损，无法继续航行，于是船长决定雇用拖轮将船拖回新港修理，

16、修好后重新驶往新加坡。这次造成的损失有：修理，修好后重新驶往新加坡。这次造成的损失有：1 1）10001000箱货被火烧毁；箱货被火烧毁；2 2）600600箱货被水浇湿；箱货被水浇湿；3 3）主机和部分甲板被烧坏）主机和部分甲板被烧坏 4 4）拖轮费用；）拖轮费用；5 5）额外增加的燃料和船上人员的工资。）额外增加的燃料和船上人员的工资。请判断各项损失的性质，如果投保了平安险，保险公司是否赔偿以上各项请判断各项损失的性质，如果投保了平安险，保险公司是否赔偿以上各项损失？损失？Case discussing四、保险单据 Insurance document （一）保险单 Insurance P

17、olicy （二）保险凭证 Insurance Certificate （三）预约保险单 Open PolicyIntroductionIntroduction保险权益转让保险单的背书：endorsed to*免赔规定DEDUCTIBLE相对免赔率绝对免赔率 DEDUCTIBLE:0.3%OUT OF SUM INSURED OR 5%OF THE LOSS Insurance TermsInsurance TermsFOB/CFRFOB/CFR合同合同CIFCIF合同合同保险人、保险金额、投保险别、保险依据保险人、保险金额、投保险别、保险依据To be covered by the buye

18、rTo be covered by the seller for 110%invoice value against all risks and war risk subject to CIC(2009.1.1)IntroductionIntroduction（According to the scenario）1.品名及规格品名及规格Commodity&Specification2.数量数量Quantity3.单价及价格条款单价及价格条款Unit Price&Trade Terms4.金额金额AmountB Boys jacket St Style no.DJ123 Shell:woven

19、twill 100%cotton lining:woven 100%polyester as as per the confirmed sample of Oct.22,2010 and order no.9898985000pcsCIFC5%DUBAIUSD10.7/pcUSD53500.00Total:5000pcsUSD53500.00允许With5%溢短装，由卖方决定More or less of shipment allowed at the sellers option5.总值总值Total ValueSAY US DOLLARS FIFTY THREE THOUSAND AND

20、FIVE HUNDRED ONLY.DemonstrationPACKING:20 pieces of boys jackets are packed in one export standard carton,solid color and solid size in the same carton.Time of shipment:Within 60 days upon receipt the L/C of this contract.Port of loading and destination:from Shanghai to Dubai,transshipment is allowe

21、d and partial shipment is not allowed.Insurance:To be effected by the seller for 110%of invoice value covering all risks and war risks as per CIC of PICC dated 1981.1.1根据本公司的实际业务情况，订立根据本公司的实际业务情况，订立FOB/CFRFOB/CFR合同中的保险条款合同中的保险条款根据本公司的实际业务情况，订立根据本公司的实际业务情况，订立CIFCIF合合同中的保险条款同中的保险条款Insurance：AssignmentTHE ENDTHANKS