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海洋運(yùn)輸貨物保險(xiǎn)條款（附英文）
一、責(zé)任范圍
本保險(xiǎn)分為平安險(xiǎn)、水漬險(xiǎn)及一切險(xiǎn)三種。被保險(xiǎn)貨物遭受損失時(shí)，本保險(xiǎn)按照保險(xiǎn)單上訂明承保險(xiǎn)別的條款規(guī)定，負(fù)賠償責(zé)任。
（一）平安險(xiǎn)
本保險(xiǎn)負(fù)責(zé)賠償：
1、被保險(xiǎn)貨物在運(yùn)輸途中由于惡劣氣候、雷電、海嘯、地震、洪水自然災(zāi)害造成整批貨物的全部損失或推定全損。當(dāng)被保險(xiǎn)人要求賠付推定全損時(shí)，須將受損貨物及其權(quán)利委付給保險(xiǎn)公司。被保險(xiǎn)貨物用駁船運(yùn)往或運(yùn)離海輪的，每一駁船所裝的貨物可視作一個(gè)整批。推定全損是指被保險(xiǎn)貨物的實(shí)際全損已經(jīng)不可避免，或者恢復(fù)、修復(fù)受損貨物以及運(yùn)送貨物到原訂目的地的費(fèi)用超過該目的地的貨物價(jià)值。
2、由于運(yùn)輸工具遭受擱淺、觸礁、沉沒、互撞、與流冰或其他物體碰撞以及失火、爆炸意外事故造成貨物的全部或部份損失。
3、在運(yùn)輸工具已經(jīng)發(fā)生擱淺、觸礁、沉沒、焚毀意外事故的情況下，貨物在此前后又在海上遭受惡劣氣候、雷電、海嘯等自然災(zāi)害所造成的部份損失。
4、在裝卸或轉(zhuǎn)運(yùn)時(shí)由于一件或數(shù)件整件貨物落海造成的全部或部份損失。
5、被保險(xiǎn)人對遭受承保責(zé)任內(nèi)危險(xiǎn)的貨物采取搶救、防止或減少貨損的措施而支付的合理費(fèi)用，但以不超過該批被救貨物的保險(xiǎn)金額為限。
6、運(yùn)輸工具遭遇海難后，在避難港由于卸貨所引起的損失以及在中途港，避難港由于卸貨，存?zhèn)}以及運(yùn)送貨物所產(chǎn)生的特別費(fèi)用。
7、共同海損的犧牲、分?jǐn)偤途戎M(fèi)用。
8、運(yùn)輸契約訂有“船舶互撞責(zé)任”條款，根據(jù)該條款規(guī)定應(yīng)由貨方償還船方的損失。
（二）水漬險(xiǎn)
除包括上列平安險(xiǎn)的各項(xiàng)責(zé)任外，本保險(xiǎn)還負(fù)責(zé)被保險(xiǎn)貨物由于惡劣氣候、雷電、海嘯、地震、洪水自然災(zāi)害所造成的部份損失。
（三）一切險(xiǎn)
除包括上列平安險(xiǎn)和水漬險(xiǎn)的各項(xiàng)責(zé)任外，本保險(xiǎn)還負(fù)責(zé)被保險(xiǎn)貨物在運(yùn)輸途中由于外來原因所致的全部或部分損失。
二、除外責(zé)任
本保險(xiǎn)對下列損失不負(fù)賠償責(zé)任：
（一）被保險(xiǎn)人的故意行為或過失所造成的損失。
（二）屬于發(fā)貨人責(zé)任所引起的損失。
（三）在保險(xiǎn)責(zé)任開始前，被保險(xiǎn)貨物已存在的品質(zhì)不良或數(shù)量短差所造成的損失。
（四）被保險(xiǎn)貨物的自然損耗、本質(zhì)缺陷、特性以及市價(jià)跌落；運(yùn)輸遲延所引起的損失或費(fèi)用。
（五）本公司海洋運(yùn)輸貨物戰(zhàn)爭險(xiǎn)條款和貨物運(yùn)輸罷工險(xiǎn)條款規(guī)定的責(zé)任范圍和除外責(zé)任。
三、責(zé)任起訖
（一）本保險(xiǎn)負(fù)“倉至倉”責(zé)任，自被保險(xiǎn)貨物運(yùn)離保險(xiǎn)單所載明的起運(yùn)地倉庫或儲存處所開始運(yùn)輸時(shí)生效，包括正常運(yùn)輸過程中的海上、陸上、內(nèi)河和駁船運(yùn)輸在內(nèi)，直至該項(xiàng)貨物到達(dá)保險(xiǎn)單所載明目的地收貨人的最后倉庫或儲存處所或被保險(xiǎn)人用作分配、分派或非正常運(yùn)輸?shù)钠渌麅Υ嫣幩鶠橹?。如末抵達(dá)上述倉庫或儲存處所，則以被保險(xiǎn)貨物在最后卸載港全部卸離海輪后滿六十天為止。如在上述六十天內(nèi)被保險(xiǎn)貨物需轉(zhuǎn)運(yùn)到非保險(xiǎn)單所載
明的目的地時(shí)，則以該項(xiàng)貨物開始轉(zhuǎn)運(yùn)時(shí)終止。
（二）由于被保險(xiǎn)人無法控制的運(yùn)輸延遲、繞道、被迫卸貨、重行裝載、轉(zhuǎn)載或承運(yùn)人運(yùn)用運(yùn)輸契約賦予的權(quán)限所作的任何航海上的變更或終止運(yùn)輸契約，致使被保險(xiǎn)貨物運(yùn)到非保險(xiǎn)單所載明目的地時(shí)，在被保險(xiǎn)人及時(shí)將獲知的情況通知保險(xiǎn)人，并在必要時(shí)加繳保險(xiǎn)費(fèi)的情況下，本保險(xiǎn)仍繼續(xù)有效，保險(xiǎn)責(zé)任按下列規(guī)定終止。
1、被保險(xiǎn)貨物如在非保險(xiǎn)單所載明的目的地出售，保險(xiǎn)責(zé)任至交貨時(shí)為止，但不論任何情況下，均以被保險(xiǎn)貨物在卸載港全部卸離海輪后滿六十天為止。
2、被保險(xiǎn)貨物如在上述六十天期限內(nèi)繼續(xù)運(yùn)往保險(xiǎn)單所載原目的地或其他目的地時(shí)，保險(xiǎn)責(zé)任仍按上述第（一）款的規(guī)定終止。
四、被保險(xiǎn)人的義務(wù)
被保險(xiǎn)人應(yīng)按照以下規(guī)定的應(yīng)盡義務(wù)辦理有關(guān)事項(xiàng)，如因未履行規(guī)定的義務(wù)而影響保險(xiǎn)人利益時(shí)，本公司對有關(guān)損失，有權(quán)拒絕賠償。
（一）當(dāng)被保險(xiǎn)貨物運(yùn)抵保險(xiǎn)單所載明的目的港（地）以后，被保險(xiǎn)人應(yīng)及時(shí)提貨，當(dāng)發(fā)現(xiàn)被保險(xiǎn)貨物遭受任何損失，應(yīng)即向保險(xiǎn)單上所載明的檢驗(yàn)、理賠代理人申請檢驗(yàn)，如發(fā)現(xiàn)被保險(xiǎn)貨物整件短少或有明顯殘損痕跡應(yīng)即向承運(yùn)人、受托人或有關(guān)當(dāng)局（海關(guān)、港務(wù)當(dāng)局等）索取貨損貨差證明。如果貨損貨差是由于承運(yùn)人、受托人或其他有關(guān)方面的責(zé)任所造成，并應(yīng)以書面方式向他們提出索賠，必要時(shí)還須取得延長時(shí)效的認(rèn)證。
（二）對遭受承保責(zé)任內(nèi)危險(xiǎn)的貨物，被保險(xiǎn)人和本公司都可迅速采取合理的搶救措施，防止或威少貨物的損失，被保險(xiǎn)人采取此項(xiàng)措施，不應(yīng)視為放棄委付的表示，本公司采取此項(xiàng)措施，也不得視為接受委付的表示。
（三）如遇航程變更或發(fā)現(xiàn)保險(xiǎn)單所載明的貨物、船名或航程有遺漏或錯(cuò)誤時(shí)，被深險(xiǎn)人應(yīng)在獲悉后立即通知保險(xiǎn)人并在必要時(shí)加繳保險(xiǎn)費(fèi)，本保險(xiǎn)才繼續(xù)有效。
（四）在向保險(xiǎn)人索賠時(shí)，必須提供下列單證：
保險(xiǎn)單正本、提單、發(fā)票、裝箱單、磅碼單、貨損貨差證明、檢驗(yàn)報(bào)告及索賠清單。如涉及第三者責(zé)任，還須提供向責(zé)任方追償?shù)挠嘘P(guān)函電及其他必要單證或文件。
（五）在獲悉有關(guān)運(yùn)輸契約中“船舶互攜責(zé)任”條款的實(shí)際責(zé)任后，應(yīng)及時(shí)通知保險(xiǎn)人。
五、索賠期限
本保險(xiǎn)索賠時(shí)效，認(rèn)被保險(xiǎn)貨物在最后卸裁港全部卸離海輪后起算，最多不超過二年。
OCEAN
MARINE CARGO CLAUSES
I
. Scope of Cover:
This
insurance is classified into the following three Conditions- Free
From Particular Average (F. P. A. )，
With
Average (W. A. ) and All Risks. Where the goods insured hereunder
sustain loss or damage ，
the
Company shall undertake to indemnify therefor according to the
insured Condition specified in the Policy and the Provisions of these
Clauses :
1.
Free From Particular Average (F. P. A. )
This
insurance covers :
1)
Total or Constructive Total Loss of the whole consignment hereby
insured caused in the course of transit by natural calamities: heavy
weather，
lightning，
tsunami，
earthquake
and flood. In case a constructive total loss is claimed for，
the
Insured shall abandon to the Company the damaged goods and all his
rights and title pertaining thereto. The goods on each lighter to or
from the seagoing vessel shall be deemed a separate risk.
Constructive Total Loss refers to the loss where an actual total loss
appears to be unavoidable or the cost to be incurred in recovering or
reconditioning the goods together with the forwarding cost to the
destination named in the Policy would exceed their value on arrival.
2)
Total or Partial Loss caused by accidents the carrying conveyance
being grounded，
stranded，
sunk
or in collision with floating ice or other objects as fire or
explosion .
3)
Partial loss of the insured goods attributable to heavy weather，
lightning
and/or tsunami，
where
the conveyance has been grounded，
stranded，
sunk
or burnt. irrespective of whether the event or events took place or
after such accidents.
4)
Partial of total loss consequent on falling of entire package or
packages into sea during loading，
transshipment
or discharge.
5)Reasonable
cost incurred by the insured on salvaging the goods or averting or
minimizing a loss recoverable under the Policy，
provided
that such cost shall not exceed the sum insured of the consignment so
saved.
6)
Losses attributable to discharge of the insured goods at a pert of
distress following a sea peril as well as special charges arising
from loading，
warehousing
and forwarding of the goods at an intermediate port of call or
refuge.
7)
Sacrifice in and Contribution to General Average and Salvage Charges.
8)
Such proportion of losses sustained by the shipowners as is to be
reimbursed by the Cargo Owner under the Contract of Affreightment
Both to Blame Collision clause.
2.
With Average (W. A. )
Aside
from the risks covered under F. P. A. condition as above，
this
insurance also covers partial losses of the insured goods caused by
heavy weather ，
lightning，
tsunami
，
earthquake
and/or flood.
3.
All Risks
Aside
from the risks covered under the F. P. A. and W. A. conditions as
above，
this
insurance also cover all risks of loss of or damage to the insured
goods whether partial or total，
arising
from external causes in the cause of transit.
II.
Exclusions:
This
insurance does not cover : .
1.
Loss or damage caused by the intentional act or fault of the insured.
2.
Loss or damage falling under the liability of the consignor.
3.
Loss or damage arising from the inferior quality or shortage of the
insured goods prior to the attachment of this insurance.
4.
Loss or damage arising from normal loss，
inherent
vice or nature of the insured goods ，
loss
of market and/or delay in transit and any expenses arising there
from..
5.
Risks and liabilities covered and excluded by the ocean marine
(cargo) war risks clauses and strike ，
riot
and civil commotion clauses of this Company.
III
. Commencement to Termination of cover:
1.
Warehouse to warehouses Clause :
This
insurance attaches from the time the goods hereby insured leave the
ware-house or place of storage named in the Policy for the
commencement of the transit and continues in force in the ordinary
course of transit including sea ，
land
and inland waterway transits and transit in lighter until the insured
goods are delivered to the consignee s final warehouse or place of
storage at the destination named in the Policy or to any other place
used by the insured for allocation or distribution of the goods or
for stories other than in the ordinary course of transit. This
insurance shall.，
however
，
be
limited to sixty (60) days after completion of discharge of the
insured goods from the seagoing vessel at the final port of discharge
before they reach the above mentioned warehouse or place of stories.
If prior to the expire of the above mentioned sixty ( 60) days ，
the
insured goods are to be forwarded to a destination other than that
named in the Policy ，
this
insurance shall terminate at the commencement of such transit.
2.
If，
owing
to delay ，
deviation
，
forced
discharge ，
reshipment
or transshipment beyond the control of the insured or any change or
termination of the voyage arising from the exercise of a liberty
granted to the shipowners under the contract of affreightment，
the
insured goods arrive at a port or place other than that named in the
Policy，
Subject
to immediate notice being given to the Company by the insured and an
additional premium being paid，
if
repaired，
this
insurance shall remain in force and shall terminate as hereunder :
1)
If the insured goods are sold at port or place not named in the
Policy ，
this
insurance shall terminate on delivery of the goods sold，
but
in no event shall this insurance extend beyond sixty (60) days after
completion of discharge of the insured goods from the carrying vessel
at such port or place.
2)
If the insured goods are to be forwarded to the final destination
named in the Policy or any other destination，
this
insurance shall terminate in accordance with Section 1 above.
IV
. Duty of the insured:
It
is the duty of the insured to attend to all matters as specified
hereunder ，
failing
which the company reserves the right to reject his claim for any loss
if and when such failure prejudice the rights of the Company :
1.
The insured shall take delivery of the insured goods in good time
upon their arrival at the port of destination named in the Policy. In
the event of any damage to the goods，
the
insured shall immediately apply for survey to the Survey and/or
settling assent stipulated in the Policy. If the insured goods are
found short in entire package or packages or to show apparent traces
of damage ，
the
insured shall obtain from the Carrier，
bailed
or other relevant authorities (Customs and Port Authorities etc. )
certificate of loss or damage and/or sbortlanded memo. Should the
carrier，
bailed
or the other relevant authorities be responsible for such shortage，
the
insured shall lodge a claim with them in writing and ，
if
necessary ，
obtain
their confirmation of an extension of them the time limit of validity
of such claim.
2.
The insured shall ，
and
the Company also，
take
reasonable measures immediately in salvaging the goods or preventing
or minimizing a loss or damage thereto. The measures so taken by the
insured or by the Company shall not be considered respectively，
as
a waiver of abandonment hereunder ，
or
as an acceptance thereof.
3.
In case of a change of voyage or any omission or error in the
description of the interest ，
the
name of the vessel or voyage，
this
insurance shall remain in force only upon prompt notice to this
Company when the insured becomes aware of the same and payment of an
additional premium if required.
4.
The following documents should accompany any claim hereunder made
against this Company :
Original
Policy，
Bill
of Lading. Invoice，
Packing
List，
Tally
Sheet，
Weight
Memo，
Certificate
of Loss or Damage and/or Shorthand Memo，
Survey
Report，
statement
of Claim.
If
any third party is involved ，
documents
relative to pursuing of recovery from such party should also be
included.
5.
Immediate notice should be given to the Company when the Cargo Owners
actual responsibility under the Contract of Affreightment n Both to
Blame Collision Clause becomes known..
V
. The Time of Validity of A Claim :
The
time of validity of a claim under this insurance shall not exceed a
period of two years counting from the time of completion of discharge
of the insured goods from the seagoing vessel at the final port of
discharge.