国际货运代理人《货代英语》辅导第十一章国际货运代理人.doc

2014国际货运代理人《货代英语》辅导:第十一章-国际货运代理人

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Unit

Eleven

Marine

Cargo

Insurance

(一)基本要求

了解：Principles of

marine

cargo insurance

熟悉: Insurance premium

and

policy

掌握：Types of

Basic Coverage, Institute Cargo Clause

(二)考试内容

1.Principle of

marine cargo insurance.

2.Insurance premium.

The premium is

consideration which

the insurers receive from

the assured

in exchange

for

their undertaking to

pay

the

insured in

the event insured against.

The general guiding rate

of

the insurance

premium is

1%

of

the amount insured. The premium rates may vary,

for example, from 0.5%

to

1.5%

or

more

or

less depending on factors such as:

type

of goods, the country and distance

of destination, value

of

the

goods,

mode

of transportation, the

type

of

risks covered, container

or

bulk

shipment and

type

of packing.

The minimum amount insured should be

the

CIF

or

the

CIP

value

of

the

goods plus 10%.

3.Insurance policy.

Insurance

policy

is

an evidence of insurance contract issued

by

the insurer

or underwriter to

the assured.

The format

of insurance policy forms varies from insurer

to insurer. Insurance policy

or certificate,

and endorsement are

the

main

ones

used

in

daily business.

The

policy must

be

issued and signed by

an insurance company or

its agent.

If

more than

one original is issued

and

is

so indicated in

the policy, all

the originals must

be presented to

the bank, unless

otherwise authorized in

the

letter

of credit.

4.Types of

basic coverage

Free from Particular Average (FPA)

The risks covered in

FPA coverage basically means

only

total

or constructive total

loss

of

the

whole consignment of

cargo

but

no

partial

loss

damage

is recoverable from

the

insurer resulting

from

natural calamities, such

as

heavy weather, lightning, tsunami(海啸),