远洋船舶保险条款(2009)

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船舶保险相关条款

船舶保险相关条款沿海、内河,船舶保险条款 (1)船（渔）工责任险条款 (2)螺旋浆、舵、锚、锚链及子船单独损失保险条款 (3)四分之一碰撞、触碰责任保险条款 (4)沿海内河船舶附加部分损失特约条款 (4)水路货物运输承运责任保险特约条款（试行） (5)沿海内河油船油污责任保险特约条款（试行） (6)缉私船舶附加执行公务意外损失保险特约条款（试行） (7)沿海内河船舶保险条款附加第三者人身伤害责任保险条款 8沿海、内河,船舶保险条款本保险的保险标的是指在中华人民共和国境内合法登记注册从事沿海、内河航行的船舶,包括船体、机器、设备、仪器和索具。

船上燃料、物料、给养、淡水等财产和渔船不属于本保险标的范围。

本保险分为全损险和一切险,本保险按保险单注明的承保险别承担保险责任。

保险责任第一条全损险由于下列原因造成保险船舶发生的全损,本保险负责赔偿。

一、八级以上(含八级)大风、洪水、地震、海啸、雷击、崖崩、滑坡、泥石流、冰凌；二、火灾、爆炸;三、碰撞、触碰;四、搁浅、触礁;五、由于上述一至四款灾害或事故引起的倾覆、沉没;六、船舶失踪。

第二条一切险本保险承保第一条列举的六项原因所造成保险船舶的全损或部分损失以及所引起的下列责任和费用：一、碰撞、触碰责任:本公司承保的保险船舶在可航水域碰撞其它船舶或触碰码头、港口设施、航标、致使上述物体发生的直接损失和费用,包括被碰撞船舶上所载货物的直接损失,依法应当由被保险人承担的赔偿责任。

本保险对每次碰撞、触碰责任仅负责赔偿金额的四分之三,但在保险期限内一次或累计最高赔偿额以不超过船舶保险金额为限。

属于本船舶上的货物损失，本保险不负赔偿责任。

非机动船舶不负碰撞、触碰责任,但保险船舶由本公司承保的拖船拖带时,可视为机动船舶。

二、共同海损、救助及施救本保险负责资赔偿依照国家有关法律或规定应当由保险船舶摊负的共同海损。

除合同另有约定外,共同海损的理算办法应按《北京理算规则》办理。

保险船舶在发生保险事故时,被保险人为防止或减少损失而采取施救及救助措施所支付的必要的、合理的施救或救助费用、救助报酬,由本保险负责赔偿。

远洋船舶保险条款（2009）[整理版]

中国人民财产保险股份有限公司船舶保险条款（2009版）本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。

本保险分为全损险和一切险。

一、责任范围（一）全损险本保险承保由于下列原因所造成的保险船舶的全损：1.地震、火山爆发、闪电或其他自然灾害；2.搁浅、碰撞、触碰任何固定或浮动物体或其他物体或其他海上灾害；3.火灾或爆炸；4.来自船外的暴力盗窃或海盗行为；5.抛弃货物；6.核装置或核反应堆发生的故障或意外事故；7.本保险还承保由于下列原因所造成的保险船舶的全损:（1）装卸或移动货物或燃料时发生的意外事故；（2）船舶机件或船壳的潜在缺陷；（3）船长、船员有意损害被保险人利益的行为；（4）船长、船员和引水员、修船人员及租船人的疏忽行为；（5）任何政府当局，为防止或减轻因承保风险造成保险船舶损坏引起的污染，所采取的行动。

但此种损失原因应不是由于被保险人、船东或管理人未克尽职责所致的。

（二）一切险本保险承保上述原因所造成保险船舶的全损和部分损失以及下列责任和费用：1.碰撞责任（1）本保险负责因保险船舶与其他船舶碰撞或触碰任何固定的、浮动的物体或其他物体而引起被保险人应负的法律赔偿责任。

但本条对下列责任概不负责：a 人身伤亡或疾病；b 保险船舶所载的货物或财物或其所承诺的责任；c 清除障碍物、残骸、货物或任何其他物品；d 任何财产或物体的污染或沾污（包括预防措施或清除的费用）但与保险船舶发生碰撞的他船或其所载财产的污染或沾污不在此限。

e 任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用。

（2）当保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。

当保险船舶碰撞物体时，亦适用此原则。

（3）本条项下保险人的责任（包括法律费用）是本保险其他条款项下责任的增加部分，但对每次碰撞所负的责任不得超过船舶的保险金额。

2.共同海损和救助（1）本保险负责赔偿保险船舶的共同海损、救助、救助费用的分摊部分。

DTV ADS 德国远洋船舶保险条款

Non-binding publication of the German Insurance Association (GDV) for facultative use.Other conditions may be agreed.In case of deviations, only the German wording shall be binding and prevailDTV - German Standard Terms and Conditions of Insurance for Ocean-GoingVessels 2009(DTV-ADS 2009)Standard terms and conditions of the GDVContentsSection One: General ProvisionsI Insuredinterest1 Insuredinterest2 Lack of insured interest3 Loss of insured interestII Insurance for own account, for the account of another4 Insurance for own account, for the account of another5 Legal position of the Assured (third-party insured)6 Legal position of the Insured (policyholder)7 Offsetting of balances8 Knowledge,faultIII Term of the insurance9 Term of the insuranceIV Insured value, underinsurance, overinsurance, double insurance, agreed value10 Insured value and agreed value11 Underinsurance12 Overinsurance13 Insurer's liability in the case of double insurance14 Notification and cancellation of the double insurance15 Good faithV Policy, co-insurance, premiums16 Policy17 Contents of the policy18 Cover note19 Leading insurer – co-insurance20 Payment of the premium21 Lay-upVI Duty of disclosure, alteration of risk22 Insured's pre-contractual duty of disclosure23 Trading limits24 Alteration of risk25 Change of management26 ClassificationVII Scope of the Insurer’s liability27 General28 General-average absorption29 Contributions to general average30 General-average sacrifices and expenses31 Insured expenses and costs32 Provision of bail33 Compliance with ship safety regulations, seaworthiness34 Faults of the Insured35 War and piracy36 Special weapons and cyber attacks37 Violent acts and piracy38 Acts of authorities39 Nuclear energy40 Deductible41 Limits of liability42 AbandonmentVIII Notice of loss, loss prevention, breach of obligations43 Notice of loss44 Averting and mitigating the loss45 Communication of information and preservation of evidence46 Legal consequences of a breach of obligationsIX Lodgement of claims, communication of information, payment of the indemnity47 Lodging of the claim48 Loss account, due date for payment of the indemnity49 Loss arising from delay in payment X Transfer of rights of recourse50 Protection and transfer of rights of recourse51 Loss mitigation after subrogationXI Insolvency of the Insurer52 Insolvency of the InsurerXII Sale of vessels and vessel parts53 Sale of vessels and shares in vesselsSection Two: Hull Insurance (Where Agreed) 54 Appurtenances and installations; parts removed from thevessel55 Wear and tear, old-age, rust, corrosion, cavitation56 Ice damage57 Set-off of salvage remuneration58 Machinery59 Error or defect in construction, materials and manufacturing;shaft breakage60 Total loss and equivalent cases61 Vessel “unfit for repair”62 Partial loss63 Experts' procedure64 Tenders65 Liability to third parties66 Sister shipSection Three: Additional Insurances (WhereAgreed)67 Supplementary hull insurance in the case of total loss68 Freight in the case of total loss69 Insurance premium in the case of total lossSection Four: Loss of Hire Insurance (WhereAgreed)70 Insured perils71 Exclusions72 Scope of cover73 Deductible74 Assessing loss of income75 Choice of repair yard76 Extraordinary expenses77 Simultaneous repairs78 Voyage to the repair yard in the case of joint repair work79 Loss of income after completion of the repair work80 Repairs after the end of the insurance contract81 Sale of the insured vesselSection Five: Mines Clauses (Where Agreed) 82 Mines clausesSection Six: War Insurance (Where Agreed)83 Scope of cover84 Insured perils85 Corresponding application of the provisions of Section Two86 Special exclusions for the war insurance87 Cancellation of the war insurance88 Scope of liability and special provisions in the case of a claim Section Seven: Concluding Provisions89 Time bar90 Applicable law91 Place of jurisdictionI Insuredinterest1 Insured interest1.1 The subject matter of the insurance can beany monetary interest an individual has inseeing that a vessel survives the perils ofan ocean voyage.1.2 Unless otherwise agreed, the following arecovered by the insurance:1.2.1 in Hull Insurance – the proprietary interestof the vessel’s registered owner and hisliability interest as set down in Clause 65 ofthese terms and conditions;1.2.2 in Additional Insurances – the interestsenumerated in Clause 67 to Clause 69 ofthese terms and conditions;1.2.3 in Loss of Hire Insurance – the interest ofthe vessel’s owner in the vessel's income; 1.2.4 in the War Clauses – the proprietaryinterest of the vessel’s registered ownerand his liability interest as provided for byClause 85 in conjunction with Clause 65 ofthese terms and conditions;1.2.5 in the Mines Clauses – the proprietaryinterest of the vessel’s registered ownerand his liability interest as provided for byClause 82.9 in conjunction with Clause 65of these terms and conditions.1.3 If other agreed interests are not declaredcorrectly, the insurance is not binding uponthe Insurer.1.4 Additional sums that were insuredseparately for the shipowner's account inrespect of interest, freight and insurancepremium in the case of total loss will beagreed from case to case. In the event oftotal loss, the Insurer is entitled to demanddeclaration of all additional insurancestaken out for the shipowner's account. Ifadditional insurances are covered forhigher amounts than those agreed in thepolicy, the Insurer will be discharged fromliability in respect of these higher amountsin the event of total loss.2 Lack of insured interest2.1 For a contract to be valid, an insurableinterest must exist.2.2 The Insurer is, however, still entitled tocollect the premium if he was unaware ofthe reason for the invalidity at the time thecontract was concluded, and provided thatthe Insured neither knew nor ought to haveknown of this reason at the time ofconclusion.2.3 If the contract is concluded by an agent,the provisions of the above clause (“knew”,“ought to have known”) apply not only tothe agent but to the Insured as well.3 Loss of insured interest3.1 If the interest on which the insurance wastaken out ceases to exist before theinsurance commences, the Insured is notobliged to pay the premium.3.2 The Insured’s obligation to pay thepremium is not affected by the fact that theinterest on which the insurance was takenout ceased to exist after the insurancecommenced.II Insurance for own account, for the account of another4 Insurance for own account, for theaccount of another4.1 If the contract leaves open whether theInsured is concluding the insurance in hisown name on behalf of another person(insurance for the account of another), theinsurance will be deemed to be for theaccount of the Insured (insurance for ownaccount).4.2 If the insurance is taken out for the accountof another – even if the latter is named inperson – it will be assumed that the partyconcluding the contract is doing so not asan agent but in his own name for theaccount of another.4.3 Unless otherwise agreed, an Assured willenjoy the same terms and conditions as theInsured under whose contract he iscovered. Where third-party liability risks areinsured, cover will be restricted in terms ofreason and amount to the cover the Insurerwould have granted to the shipowner underthis insurance – taking account of the limitsof indemnity applicable to him – had theclaims been brought against the shipownerrather than against the Assured.4.4 The insurance cover is available to theInsured and to all Assureds together onceonly per loss event. In the absence of anyagreement, the Insured’s claim for covertakes precedence over any claims of theAssureds.5 Legal position of the Assured (third-party insured)5.1 The Assured is entitled to exercise hisrights under the contract. However, onlythe Insured is entitled to request that apolicy be handed over.Section One: General5.2 Without the Insured's consent, the Assuredmay not exercise his rights under thecontract and enforce these rights in a courtof law unless he is in possession of apolicy.6 Legal position of the Insured(policyholder)6.1 The Insured is entitled to exercise, in hisown name, the rights due to the Assuredunder the contract.6.2 Once a policy has been issued, the Insuredis entitled to accept payment and transferthe rights of the Assured without the latter'sconsent only if he is in possession of thepolicy.6.3 The Insurer is obliged to indemnify theInsured only if the latter can prove to theformer that the Assured gave his approvalto the insurance.7 Offsetting of balancesThe Insurer may set off any claim he has inrelation to the Insured who effected theinsurance against an insurance claiminsofar as the Insurer's claim results fromthe insurance taken out by the Insured forthe Assured.8 Knowledge, fault8.1 Unless otherwise agreed, where referenceis made in these insurance conditions tothe Insured's knowledge or fault in respectof certain material facts (“knew”, “ought tohave known”), this will apply equally to theAssured. The same applies to cases wherethe Insured is exempt from an obligation topay the premium on the grounds of a lackof an insured interest. The Insured mayonly contest the issue with the Insurer onthe grounds that he was not responsible forfailing to disclose a material fact if neitherhe nor the Assured was at fault.8.2 If the insurance was arranged such that itcommences prior to conclusion of thecontract, the Insurer is not obliged toindemnify if the Insured or the Assuredknew or ought to have known at the timethe contract was concluded that theinsured event had already taken place.8.3 Where the insurance was concludedwithout the knowledge of the Assured, it isof no avail whether or not he knew or oughtto have known of the occurrence. Thesame applies if notification of the Insured ingood time was not feasible; notification isdeemed not to have taken place in goodtime if it took longer than would be feasiblein the ordinary course of business, buttakes place, however, at least in the sameor a similar manner in which the declarationcontaining the order to conclude theinsurance was dispatched.8.4 If the Insured concluded the contractwithout the Assured's instruction and failedto notify the Insurer of this failure, theInsurer is not obliged to accept a plea ofignorance in a claim brought against him.III Term of the insurance9 Term of the insurance9.1 The insurance cover commences at 00.00hours and terminates at 24.00 hours on thedates specified in the policy.9.2 Before the term of insurance expires,however, the Insured may notify the Insurerof his desire to extend the period of coverfor those vessels which, at the end of theterm of insurance, are missing presumedlost or en route, or have suffered anindemnifiable loss en route that hasimpaired their seaworthiness. In the case ofvessels missing presumed lost, extensionof the insurance ends when the vessel islocated or, at the latest, when the period ofpresumptive loss as stipulated in Clause60.2.2 below expires. In the case ofdamage, the insurance terminates as soonas the repair work is completed or – if thework cannot be carried out immediately –when the damage has been identified. Inthe case of extension, the Insurer is due anadditional premium commensurate with theextension in the term of the cover.9.3 The insurance contract will terminatebefore the date specified in the policy:9.3.1 in the case of total loss of the insuredvessel or the cases set out in Clause 60corresponding to a total loss;9.3.2 if the insured vessel is sold in accordancewith Clause 53 below;9.3.3 if the class of the vessel expires, isrestricted or is withdrawn in accordancewith Clause 26 below;9.3.4 if the Insured terminates the contractfollowing adjustment by the Insurer of theagreed value in accordance with Clause 10below;9.3.5 if the Insurer terminates the contract in thecase of non-payment of the premium inaccordance with Clause 20 below;9.3.6 if the Insurer serves notice to terminate thecontract on the grounds of an infringementof the pre-contractual duty to discloseinformation, in accordance with Clause 22below;9.3.7 if the Insurer serves notice to terminate thecontract with 14 days' notice within 14 daysof the transfer of responsibility for manning,fitting out and inspecting a vessel toanother company in accordance withClause 25 below, or of a change ofclassification society in accordance withClause 26 below of these terms andconditions;9.4 Insurance cover for the acts of violencespecified in Clause 37 below will endbefore the date specified in the policy if theInsurer serves notice to terminate thecontract in accordance with Clause 37.2;thereafter, the remaining insurancecontract can be terminated by the Insuredin accordance with Clause 37.3;9.5 if the Insurer serves notice to terminate thecontract in case war and piracy risks arecovered in accordance with Clause 87below;9.6 The insurance can be arranged such that itincepts on a date prior to conclusion of thecontract. In this case, the Insurer is notobliged to indemnify if the Insured knew orought to have known at the time thecontract was concluded that the insuredevent had already taken place; the Insureris entitled to collect the premium if he wasunaware at the time the contract wasconcluded that the insured event hadalready taken place.If the contract is concluded by an agent,the provisions of the above clause (“knew”,“ought to have known”) apply not only tothe person of the agent but to the personbeing represented as well.IV Insured value, underinsurance,overinsurance, double insurance,agreed value10 Insured value and agreed value10.1 The values of the insured interests (insuredvalues) are the full values of theseinterests.10.2 These values are considered to be theinsured values in the event of an insuredloss.10.3 If the insured value has been set at aspecific amount by way of an agreement(the agreed value), the latter will determinethe insured value.10.4 If, however, the agreed value exceeds thereal insured value by 20% or by anotherpercentage figure stipulated in the policy,the Insurer is entitled to declare that theagreed value be lowered to match the realinsured value ascertained at the time of theoriginal assessment, unless the Insuredcan prove that10.4.1 he had no knowledge of this at the time ofthe agreement, or that10.4.2 the Insurer was aware of this. 10.5 After the reduction in the agreed value, thepremium will be adjusted commensuratewith the new value.10.6 The Insured is entitled to serve notice toterminate the contract within 14 days ofreceiving notification of the decision tolower the value.10.7 If the sum insured is less than the agreedvalue, the Insurer is obliged to indemnify –even when the agreed value has beenlowered – only in the proportion the suminsured bears to the agreed value.10.8 If a special value has been agreed forpartial losses (see Clause 62), the Insurerwill indemnify for partial loss/damage up tothis agreed special value.11 UnderinsuranceIf the sum insured is less than the insuredvalue, the uninsured part of the insuredvalue will be regarded as being self-insuredby the Insured himself. In particular, theInsurer will be liable for the loss andexpenses only in the ratio of the insuredamount to the insured value.12 Overinsurance12.1 The insurance contract is invalid if the suminsured exceeds the insured value. Theprovisions set out in Clause 2.2. of theseterms and conditions apply accordingly tothe Insured’s obligation to pay thepremium.12.2 The insurance contract is invalid if it isdeemed that the Insured has concluded theinsurance contract with the intention ofgaining an unlawful pecuniary advantagefrom the overinsurance. The Insurer is,however, still entitled to collect thepremium provided that he was unaware ofthe reason for the invalidity at the time thecontract was concluded.13 Insurer's liability in the case of doubleinsurance13.1 If an interest has been insured against thesame peril with more than one insurer suchthat the sums insured together exceed theinsured value, the insurers are liable jointlyand severally in such a way that eachinsurer is liable to the Insured in theamount owed under its contract. In theaggregate, however, the Insured may notdemand compensation in excess of thetotal loss amount.13.2 In relation to each other, the individualinsurers are liable for shares proportionateto the amounts contractually owed by eachof them to the Insured. If any of thecontracts is governed by foreign law, theinsurer to whom the foreign law appliesmay assert a claim for contribution againstthe other insurers only if he himself is liablefor contribution under the law applicable tohim.13.3 The relevant insurance contract is invalid ifit is deemed that the Insured concludedsaid contract with the intention of gainingan unlawful pecuniary advantage from theduplicate insurance; the Insurer is,however, still entitled to collect the fullpremium if he was unaware of the reasonfor the invalidity at the time the contractwas concluded.14 Notification and cancellation of thedouble insurance14.1 The Insured must notify the Insurerimmediately upon becoming aware of thedouble insurance.14.2 If the Insured concluded the contract whichresulted in the double insurance withoutbeing aware of the existence of the otherinsurance, he may – provided that theinsurance has not yet commenced –request either insurer to lower the suminsured (and, correspondingly, thepremium) in proportion to the amount thatthe one insurer has to bear relative to theother. This entitlement lapses if notexercised by the Insured immediately uponbecoming aware of the duplicateinsurance.15 Good faithAll parties must act in the utmost good faithat all times.V Policy, co-insurance, premiums16 Policy16.1 At the Insured's request, the Insurer isobliged to issue a signed certificatedocumenting the insurance contract(policy).16.2 The policy contains the name and addressof the Insured, any Assureds and, wherenominated, the Insurer's agent, the nameof the insured vessel, the IMO number, theinsured interest, the risks covered withreference to the pertinent General Termsand Conditions of Insurance, any additionalagreements, the sums insured and agreedvalues, the agreed deductibles, and detailsof the start and end of the insurance cover.It must bear the Insurer's signature and bereturned immediately for correction shouldamendments be necessary. Amendmentsmust be documented in endorsementssigned by the Insurer. 16.3 If a policy has been issued, the Insurer isnot obliged to indemnify until presentedwith this policy. The payment to the holderof the policy discharges the Insurer fromfurther liability.16.4 If the policy is lost or destroyed, the Insureris obliged to indemnify once the policy hasbeen declared invalid, or security has beengiven; security by way of a guarantee isexcluded. The same applies to theInsurer's obligation to issue a replacementpolicy, the cost of which must be borne bythe Insured.17 Contents of the policyThe contents of the policy are regarded asapproved by the Insured unless contestedimmediately upon issue. The right of theInsured to refuse approval on account ofan error remains unaffected.18 Cover note18.1 The content of a cover note that was notproduced by the Insurer himself is materialin terms of the content of the insurancecontract only if it is countersigned by theInsurer.18.2 If a policy has been issued in addition tothe cover note, only the policy is material interms of the content of the insurancecontract.19 Leading insurer – co-insurance19.1 If several insurers underwrite a policy, theyare obliged to indemnify severally for theirrespective shares only, i.e. not jointly. Thisapplies even if the policy or cover note wasunderwritten by one insurer on behalf ofthe others.19.2 The leading insurer is deemed to havereceived authorisation from the co-insurersto19.2.1 make agreements with the Insured;excepted from the above are, however,increases to sums insured above andbeyond the contractual limit of indemnity,as well as extensions to the term of theinsurance,19.2.2 sign mortgage clauses,19.2.3 receive pledging notices,19.2.4 declare abandonment (see Clause 42),19.2.5 settle claims and recovery actions,19.2.6 provide security in accordance with Clause32 of these terms and conditions. Theleading insurer is authorised but notobliged to provide security not only for hisown share but also for the shares of the co-insurers. In this case, the co-insurers areobliged to provide security for their ownshares vis-à-vis the leading insurer in thesame manner as the leading insurer did forthem.19.2.7 conduct recourse proceedings,19.2.8 litigate on behalf of the co-insurers; thisapplies equally to cases brought beforecourts of law and to those before arbitrationtribunals. However, a verdict against theleading insurer for his part alone, or asettlement made after litigation or anyarbitration award must be recognised bythe co-insurers as binding for their sharesas well.19.3 The leading insurer is not authorised todeclare the transfer of rights on behalf ofthe co-insurers in accordance with Clause60.3 below.19.4 Notifications and declarations of intentreceived by the leading insurer are deemedto have been received by the co-insurersas well.20 Payment of the premium20.1 The Insured must pay the premium inadvance for each 3-month period. TheInsurer may demand immediate payment ofpremiums if the insurance ends.20.2 Additional premiums are payable togetherwith the following quarterly instalment.20.3 The Insurer must have received payment ofthe premium within 10 days of thecommencement of the three-month period.If the payment is effected through a broker,the premium must be received by himwithin the above-mentioned period andpassed on immediately, but it must bereceived by the Insurer, however, within afurther seven days at the latest.20.4 If the Insured is responsible for not makingthe payment in good time, he will beregarded as having defaulted the momenthe receives a written reminder. The Insurermay send the Insured a written request forpayment, specifying a deadline of at least14 days within which payment must bemade.20.5 If the Insured is still in default after the twoweeks have passed, the Insurer isdischarged of his obligation to indemnifyany insured event that occurs before thepayment is made.20.6 If the premium has not been received bythe end of the aforementioned period, theInsurer is entitled to terminate theinsurance contract subject to a further twoweeks' notice. If the Insurer serves noticeto terminate the contract, the insurance willend 14 days after the Insured receivednotice, or earlier as the case may be. 20.7 If the Insurer pays out the sum insured or,pursuant to Clause 61.2.2, the differencebetween the sum insured and the valueagreed between the Insurer and theInsured, or the proceeds from auctioningthe vessel, the annual premium is payable.That proportion of the annual premium notyet paid in advance is payable in full, albeitless any returns claimable by the Insured. Ifthe contract has been concluded for morethan one year, the annual premium isdeemed to be the premium of the currentinsurance year.20.8 The Insured may offset any counterclaimsnot yet due against the premium payableonly if the Insurer has given his consent inwriting.20.9 The Insurer is entitled to offset any claimsdue against the next premium instalmentpayable.21 Lay-up21.1 If the Insured notifies the Insurer of hisintention to lay up the vessel, cover will beprovided in accordance with the provisionsset out in the following.21.2 Lay-up within the meaning of this policy is avessel21.2.1 that is to be laid up at a location agreed inadvance with the Insurer,21.2.2 that is unladen,21.2.3 on which or to which no work involving afire hazard is to be carried out,21.2.4 that is manned at least according to theminimum provisions governing safemanning,21.2.5 that is to be laid up for a minimum of 30 fulldays, and21.2.6 for which the agreed value for hullinsurance has not been reduced for theduration of the lay-up.21.3 Insurance cover for laid up vessels remainsfully in force, but is limited by way ofamendment to Clause 23 of these termsand conditions to the territory of thelocation of lay-up agreed with the Insurer.21.4 Before the vessel sets sail again, theInsured must:21.4.1 in the case of a period of lay-up of up tothree months, observe therecommendations made by theclassification society and the vessel'sengine manufacturers on resumingoperations, and also document compliancewith them;21.4.2 in the case of a period of lay-up of morethan three months, pay for an expert toinspect the vessel prior to resumingoperations, the inspection taking place atthe earliest 15 days before the vessel isdue to resume operations, and provide theInsurer with the expert's report;21.4.3 remedy any damage or defects identifiedby the expert in accordance with Clause21.4.2 above.21.5 As soon as the Insured providesnotification that the period of lay-up is toend and the vessel sets sail again, theterritorial scope of the insurance covercorresponds once again to the navigationallimits originally agreed.21.6 The returns agreed with the Insurer will begranted for the period of lay-up. Lay-upreturns are payable quarterly on aretroactive basis.VI Duty of disclosure, alteration of risk 22 Insured's pre-contractual duty ofdisclosure22.1 Before concluding the contract, the Insuredmust disclose all material facts andcircumstances relevant to the risk – unlessthese circumstances are generally known –and must answer completely and truthfullyall questions posed by the Insurer. Amaterial fact is a circumstance that wouldinfluence the Insurer in accepting, decliningor rating the insurance. In case of doubt, amaterial fact is understood as one that theInsurer has queried expressly or in writing.If the Insured appoints an agent toconclude the contract and the latter isaware of a material fact, the Insuredhimself will be deemed to have been awareof said material fact.22.2 The Insurer is not obliged to indemnify ifthe Insured discloses incomplete orinaccurate information. Moreover, theInsurer may terminate the insurance withinone month of becoming aware of the failureto disclose or of the inaccurate disclosureof the material fact.This also applies if information was notdisclosed on account of the Insured'signorance of the fact and this was due togross negligence on his part.If the loss event has already occurred, theInsurer may not refuse cover if the Insuredcan prove that the incomplete or inaccurateinformation disclosed influenced neither theloss event occurring nor the size or scale ofthe payment obligation.If the Insurer refuses to indemnify inrespect of a claim, the Insured may servenotice to terminate the insurance. This rightto terminate the contract expires if it is notexercised within one month of the Insuredreceiving notification of the Insurer’sdecision to refuse indemnification. 22.3 The Insurer is obliged to indemnify if hewas aware of the material facts or that suchfacts had been inaccurately disclosed.The same applies if the Insured can provethat neither he nor his agent wasresponsible for the incomplete orinaccurate disclosure of the information.22.4 If the Insurer is obliged to indemnify in theabsence of fault on the part of the Insuredor his agent, the Insurer will be due anadditional premium, to be agreedcommensurate with the aggravated risk.The same applies if neither contractingparty was aware without fault of a materialfact prior to conclusion of the contract.22.5 The right of the Insurer to rescind thecontract on the grounds of fraudulentmisrepresentation of materialcircumstances remains unaffected.23 Trading limitsDepending on the trading area agreed, thefollowing applies:23.1 European tradingThe insurance covers voyages between allEuropean places and all places located onthe Mediterranean Sea and on the BlackSea, limited23.1.1 to the north, by 70° Lat. N., but excludingGreenland.Excepted from this limitation are:voyages to all places in Norway, into theKola Bay and to Murmansk, provided thatthe vessel does not navigate or remainnorth of 72° 30' Lat. N. or east of 35° Long.E.,voyages from and to the White Sea,provided that on the outward voyage thevessel does not pass Honnigsvaag prior to10 May and does not commence the returnvoyage from the last port of call on theWhite Sea after 31 October.23.1.2 in the area of the Baltic Sea: for vesselsthat exceed 90,000 dwt, operations east of28° 45' Long. E.23.1.3 to the south, by the Atlantic coast of Africaup to and including Casablanca.23.1.4 to the west, by and including Iceland, butexcluding the Canary Islands and theAzores.23.2 Worldwide tradingThe insurance covers voyages to and fromall places. Excluded, however, arevoyages:23.2.1 north of 70° Lat. N.Excepted from this limitation are:voyages to all ports and places in Norway,into the Kola Bay and to Murmansk,。

船舶保险理赔质量指引(2009)

船舶保险理赔质量指引第一章概论一、制定本《指引》的目的和作用制定本《指引》的目的，在于为中国人民财产保险股份有限公司（以下简称本公司）的船舶保险理赔工作提供切实有效的技术指导，帮助本公司理赔人员掌握船舶险理赔的关键环节中应当注意的问题和技巧，从而全面提高本公司的船舶险理赔水平和赔案处理质量，合理控制船舶险的超额赔付，保证船舶险业务的健康发展。

本《指引》的作用有：（一）阐述船舶保险理赔工作的相关工作程序，分析船舶保险理赔工作的特点和要求，引导理赔人员提高对船舶险理赔工作的认识，提高自身理论水平和实际工作能力，以满足理赔工作的需要。

（二）针对船舶保险理赔工作中的关键环节和重点问题，总结出一般原则和要点，结合相应的案例说明，引导理赔人员迅速掌握各个理赔阶段的工作目标和重点，提高理赔工作效率和质量。

二、船舶保险及其理赔工作的特点在现代保险史上，船舶保险被公认为是现代保险的起源，是历史最为悠久的保险险种。

在中国，船舶保险也是由本公司的前身—中国人民保险公司最早开办的险种之一。

目前本公司的船舶保险业务主要包括：远洋船舶保险、沿海内河船舶保险、船舶建造保险、远洋船舶建造保险、修船责任保险、集装箱保险等，使用的条款主要包括：中国人民保险公司《船舶保险条款》（1986.1.1）、《沿海内河船舶保险条款》（1996.11.1）及其10个附加险条款、《船舶建造保险条款》、《远洋船舶建造保险条款》、《集装箱保险条款》等。

与其他非车险相比较，船舶保险具有自己鲜明的特点：（一）船舶保险风险较大，属于高风险业务。

这是由两方面的原因决定的：首先船舶所面临的风险程度较高，出险率高。

本公司的船舶险业务数据表明，船舶保险的出险率大约为33%。

这就意味着本公司每承保的3条船舶中，就会出现一件理赔案件。

这种风险程度是一般陆上财产无法比拟的。

其次船舶上的风险比较集中，风险单位较大。

一艘现代化的远洋船舶，价值少则几百万美元，多则上亿美元。

这种船舶一旦出险，单位风险的损失金额将是惊人的。

船舶保险中的海运条款

船舶保险中的海运条款初北平【期刊名称】《中国船检》【年(卷),期】2016(000)010【总页数】3页(P21-23)【作者】初北平【作者单位】大连海事大学法学院【正文语种】中文根据中国人民财产保险股份有限公司2009年远洋船舶保险条款（以下简称“人保2009年条款”）第四条的规定，在未经保险人同意的情况下，被保险人不能从事非正常的、增加额外风险的航行，具体包括：1、被保险船舶从事拖带或救助服务；2、被保险船舶与他船（非港口或沿海使用的小船）在海上直接装卸货物，包括驶近、靠拢和离开；3、被保险船舶为拆船或为拆船出售的目的的航行。

海运条款有利于保险人将风险控制在其可接受的范围内。

本文将分别就海运条款的性质以及其规定的三种情形予以阐释。

海运条款的性质海运条款是免责性质的条款还是仅仅明确被保险人告知义务内容的条款？对于这一问题曾存在争议。

怡信有限公司与中国平安财产保险股份有限公司北京分公司等船舶保险合同纠纷上诉案中就该争议进行了讨论。

该案中，涉案保险航程实际是怡信公司为拆船出售目的所做的航行，但怡信公司并未告知保险人或取得保险人的同意，因此天津海事法院以被保险人违反了保险合同中的海运条款为由，判决保险人不负赔偿责任。

怡信公司不服，提起上诉。

该案的争议之处在于，被保险人怡信有限公司认为海运条款的性质是免责格式条款，根据最高人民法院关于适用《〈中华人民共和国保险法〉若干问题的解释（二）》第9条的规定，以及《保险法》第17条第2款的规定，保险人对保险合同中免责条款有明确说明义务，未作提示或者明确说明的，该条款不产生效力。

因此，原告怡信有限公司主张，应当以保险人未履行说明义务为由，认定保险条款中的海运条款不产生效力。

而法院则认为，第4条“海运条款”强调了海运中影响船舶保险费率和承保条件的特殊事项，规定了被保险人应当履行的告知义务的内容。

第4条中的“否则，本保险对下列情况所造成的损失和责任均不负责”，并不是对免除保险人赔偿责任的特别约定，而仅是一种法律后果的强调性告知。

远洋船舶保险条款(2009)

中国人民财产保险股份有限公司船舶保险条款（2009版）本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。

本保险分为全损险和一切险。

但此种损失原因应不是由于被保险人、船东或管理人未克尽职责所致的。

e 任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用。

（2）当保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。

当保险船舶碰撞物体时，亦适用此原则。

（3）本条项下保险人的责任（包括法律费用）是本保险其他条款项下责任的增加部分，但对每次碰撞所负的责任不得超过船舶的保险金额。

2.共同海损和救助（1）本保险负责赔偿保险船舶的共同海损、救助、救助费用的分摊部分。

船舶建造保险(2009 版)附加险条款

船舶建造保险（2009版）附加险条款一、附加加快费用条款兹经保险合同双方同意，如果保险标的的任何部分遭受应由主险保单所负责的损失，本附加险将扩展赔偿以下费用：（一）空运、快递或特快运输任何零部件所产生的费用；（二）在进行经保险人认可的修理过程中，为加快重臵、替换或修理而支付的额外加班费用，包括周末、节假日及夜班的加班费用。

保险人对于每次事故产生的上述额外费用的赔偿金额不超过每次事故损失金额的10% 。

本附加险条款与主险条款相抵触之处，以本条款为准；本条款未尽事项，以主险条款为准。

二、附加工程图纸、文件特别条款兹经保险合同双方同意，本附加险负责赔偿被保险人因主险保单项下所承保的风险造成工程图纸及文件的损失而产生的重新绘制，重新制作的费用。

每次事故赔偿限额：100万元人民币。

本附加险条款与主险条款相抵触之处，以本附加险条款为准；本附加险条款未尽事项，以主险条款为准。

三、附加专业费用条款兹经保险合同双方同意，本附加险负责赔偿被保险人因主险保单项下所承保的风险造成保险工程损失后，在重臵过程中发生的必要的设计师、检验师及工程咨询人等的费用，但被保险人为准备索赔或估损所发生的任何费用除外。

上述赔偿费用应以损失发生时适用的有关行业管理部门制订的收费标准为准，但不得超过本保险单明细表中列明的赔偿限额。

每次事故赔偿限额：100万元人民币。

本附加险条款与主险条款相抵触之处，以本附加险条款为准；本附加险条款未尽事项，以主险条款为准。

四、附加急救费用条款兹经保险合同双方同意，本附加险扩展承保被保险人因主险保单明细表中列明的船舶建造场所内发生意外事故造成第三者人身伤害时应支付的合理急救费用。

每次事故赔偿限额：50万元人民币。

本附加险条款与主险条款相抵触之处，以本附加险条款为准；本附加险条款未尽事项，以主险条款为准。

五、附加船舶建造险、运输险责任分摊条款兹经保险合同双方同意，保险人要求：（一）一旦原材料及设备运抵工地，被保险人应立即检验其运输途中可能发生的损失，若裸装货物损失明显，被保险人应在运输险保险单下提出索赔；（二）若包装的货物未立即开箱，需放臵一段时间，则被保险人应立即观察或检验外包装，确定是否可能有货损迹象。

沿海内河船舶保险条款(2009版)

中国人民财产保险股份有限公司沿海内河船舶保险条款（2009版）本保险的保险标的是指中华人民共和国境内合法登记注册从事沿海、内河航行的船舶，包括船体、机器、设备、仪器和索具。

船上燃料、物料、给养、淡水等财产和渔船不属于本保险标的范围。

本保险分为全损险和一切险，本保险按保险单注明的承保险别承担保险责任。

保险责任第一条全损险由于下列原因造成保险船舶发生的全损，本保险负责赔偿。

一、八级以上（含八级）大风、洪水、地震、海啸、雷击、崖崩、滑坡、泥石流、冰凌；二、火灾、爆炸；三、碰撞、触碰；四、搁浅、触礁；五、由于上述一至四款灾害或事故引起的倾覆、沉没；六、船舶失踪。

第二条一切险本保险承保第一条列举的六项原因所造成保险船舶的全损或部分损失以及所引起的下列责任和费用：一、碰撞、触碰责任：本公司承保的保险船舶在可航水域碰撞其它船舶或触碰码头、港口设施、航标，致使上述物体发生的直接损失和费用，包括被碰船舶上所载货物的直接损失，依法应当由被保险人承担的赔偿责任。

本保险对每次碰撞、触碰责任仅负责赔偿金额的四分之三，但在保险期间内一次或累计最高赔偿额以不超过船舶保险金额为限。

属于本船舶上的货物损失，本保险不负赔偿责任。

非机动船舶不负碰撞、触碰责任，但保险船舶由本公司承保的拖船拖带时，可视为机动船舶。

二、共同海损、救助及施救本保险负责赔偿依照国家有关法律或规定应当由保险船舶摊负的共同海损。

除合同另有约定外，共同海损的理算办法应按《北京理算规则》办理。

保险船舶在发生保险事故时，被保险人为防止或减少损失而采取施救及救助措施所支付的必要的、合理的施救或救助费用、救助报酬，由本保险负责赔偿。

但共同海损、救助及施救三项费用之和的累计最高赔偿额以不超过保险金额为限。

除外责任第三条保险船舶由于下列情况所造成的损失、责任及费用，本保险不负责赔偿：一、船舶不适航、不适拖（包括船舶技术状态、配员、装载等，拖船的拖带行为引起的被拖船舶的损失、责任和费用，非拖轮的拖带行为所引起的一切损失、责任和费用）；二、船舶正常的维修保养、油漆，船体自然磨损、锈蚀、腐烂及机器本身发生的故障和舵、螺旋桨、桅、锚、锚链、橹及子船的单独损失；三、浪损、座浅；四、被保险人及其代表（包括船长）的故意行为或违法犯罪行为；五、清理航道、污染和防止或清除污染、水产养殖及设施、捕捞设施、水下设施、桥的损失和费用；六、因保险事故引起本船及第三者的间接损失和费用以及人员伤亡或由此引起的责任和费用；七、战争、军事行为、扣押、骚乱、罢工、哄抢和政府征用、没收；八、其他不属于保险责任范围内的损失。

0902《2009版的海洋货运保险条款》

海洋运输货物保险条款（2009版）一、责任范围本保险分为平安险、水渍险及一切险三种。

被保险货物遭受损失时，本保险按照保险单上订明承保险别的条款规定，负赔偿责任。

（一）平安险本保险负责赔偿：1．被保险货物在运输途中由于恶劣气候、雷电、海啸、地震、洪水自然灾害造成整批货物的全部损失或推定全损。

当被保险人要求赔付推定全损时，须将受损货物及其权利委付给保险人。

被保险货物用驳船运往或运离海轮的，每一驳船所装的货物可视作一个整批。

推定全损是指被保险货物的实际全损已经不可避免，或者恢复、修复受损货物以及运送货物到原订目的地的费用超过该目的地的货物价值。

2．由于运输工具遭受搁浅、触礁、沉没、互撞、与流冰或其他物体碰撞以及失火、爆炸意外事故造成货物的全部或部分损失。

3．在运输工具已经发生搁浅、触礁、沉没、焚毁意外事故的情况下，货物在此前后又在海上遭受恶劣气候、雷电、海啸等自然灾害所造成的部分损失。

4．在装卸或转运时由于一件或数件整件货物落海造成的全部或部分损失。

5．被保险人对遭受承保责任内危险的货物采取抢救、防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为限。

6．运输工具遭遇海难后，在避难港由于卸货所引起的损失以及在中途港、避难港由于卸货、存仓以及运送货物所产生的特别费用。

7．共同海损的牺牲、分摊和救助费用。

8．运输契约订有“船舶互撞责任”条款，根据该条款规定应由货方偿还船方的损失。

（二）水渍险除包括上列平安险的各项责任外，本保险还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水自然灾害所造成的部分损失。

（三）一切险除包括上列平安险和水渍险的各项责任外，本保险还负责被保险货物在运输途中由于外来原因所致的全部或部分损失。

二、除外责任本保险对下列损失不负赔偿责任：（一）被保险人的故意行为或过失所造成的损失。

（二）属于发货人责任所引起的损失。

（三）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。

第十章船舶保险

定期保险：期限最长一年航次保险：按保单载明的航次为准
7、保险终止
（一）远洋船舶保险条款
8、保费与退费
定期保险
全部保费应在承保时交清，保险人同意也可分期支付。被保险船舶退保或保险终止时，按净保费的日比例计算退还保费被保险船舶在保险人同意的港口或区域停泊超过30天时，停泊期间保费按净保费的日比例的50%计算。
（一）远洋船舶保险条款
2、责任范围
（2）一切险
碰撞责任共同海损和救助施救
（一）远洋船舶保险条款
3、除外责任
不适航被保险人及其代表的疏忽或故意行为被保险人恪尽职守应予发现的正常磨损、锈蚀、腐烂或保养不周，或材料缺陷，不良部件的更换或修理
（一）远洋船舶保险条款
4、免赔额 5、海运 6、保险期限
航次保险：自保险责任开始一律不办理退保和退费
（一）远洋船舶保险条款
9、被保险人的义务 10、索赔与赔偿 11、争议处理
（二）船舶战争、罢工险船舶战争、
船舶战争保险是船舶保险中的一个附加险
（三）沿海内河船舶保险
1、沿海内河船舶保险条款、
承保范围保险责任除外责任保险金额索赔赔偿规定被保险人的义务争议处理
（三）沿海内河船舶保险
2、沿海内河船舶保险附加险条款、 3、沿海内河船舶保险的其他险种、
沿海内河船舶建造保险沿海内河渔船保险
三、船舶保险实承保
1、风险评估
船东资信船型船龄船级航区登轮检验针对老龄船要求被保险人在投保前进行风险评估检验
2、费率厘定
第十章船舶保险
一、船舶保险特征
以承保水上风险为限所承保的风险相对集中，所承保的风险相对集中，损失金额较大事故的发生频率较高承保范围广属于定值保险保险单不能随船舶的转让而自动转让船舶保险法律适用面广、船舶保险法律适用面广、政策性强

船舶保险中的免赔额条款

的“ 迮润６ ”轮投保卅海河船舶一险。保险期间Ｉ～，保险船舶他ｌｊ发生碰撞，保险鲋矗ｎ“ 连润６ ”轮破裂，生的修赀ｌｌ３余厄；被捕船舶火为６２５万余已，，｝ｌ驸损失为９３，Ｊ，。陔保险的特圳约定清单中规
必须专为检查搁浅情况时才不扣免赔额，这样的规定一方面为避免被
时，保险人不赔，一旦超过免赔额，
保险人就全部赔偿，不作扣减。因此有学者将其形象地比做 “ 阀门” 。
意识，加强对船舶的管理。
保险人钻空子，借村ｔｘ，￣ｌａａｌｆ进行免费船级检验；另一方面则鼓励船东
自２０世纪７０年代后，保险条款中
普遍使用的是 “ 绝对免赔额 ” ，已很
少使用 “ 相对免赔额” ，但英国协会船舶运费保险条款中仍然规定了相对免赔额：本保险不承保共同海损
之外的低于３％的部分损失 ……
３、碰撞责任、共同海损、救
已承担的风险损失大，保险费率也
根据上述规定，免赔额只适用
于保险船舶遭遇单独海损所造成的
部分损失赔偿，对于一ＦＹＪＩ情况则不予扣减免赔额：
会相对减少。免赔额在制约保险费
率疗面的作用在市场竞争中越发明
所致的部分损失赔偿，每次事故要

关于印发《海洋运输货物保险条款(2009版)》等条款及征订船舶货运险承保单证的通知

地址：石家庄市裕华西路83号邮编： 050081密级：缓急：电函冀人保财险船电函…2009‟50号签发人：李岩关于印发《海洋运输货物保险条款（2009版）》等条款及征订船舶货运险承保单证的通知各分公司、省分公司国际部、营业部：新修订的《中华人民共和国保险法》于2009年10月1日起生效，总公司对船货险总颁条款进行了保险法适应性修改和完善。

现将报备后的条款及相关文件下发你们，请遵照执行。

原条款自10月1日废止。

根据新《保险法》对保险条款、投保单和保险单等提出的新的要求，现将船货险承保单证有关事项通知如下：一、各单位目前使用的船货险保险条款于2009年10月1日停止使用。

请各单位按照辖区内业务情况，按照附表样式征订新地址：石家庄市裕华西路83号邮编： 050081承保单证。

其中船舶险业务全部使用通用保险单，各授权经营单位只填报保险条款及投保单的征订数量。

二、在2009版船货险保险单证到货前，各单位可采取以下两种方式出具保险单：1、使用通用保险单附2009版船货险相关条款出单；2、在原保险单上加“本保险适用条款（2009）版”特别约定或加盖“本保险适用条款（2009）版”特别约定章，并附2009版船货险相关条款。

三、因“海洋运输货物保险条款（2009版）”英文条款尚未下发及信用证业务的相关要求，涉外货运险业务使用的保险单证事项另行通知。

四、省颁2009版《国内公路危险货物运输保险条款》、《国内公路托运行李运输保险》待向河北省保监局报备后另行组织征订，征订前采取第二款第（2）项方式出具保险单。

此次征订工作，时间紧迫，征订量大，涉及单证类型多，请各分公司高度重视，尽快完成单证的清理及征订报送工作。

保险单征订单请于10月16日下班前报省分公司船货部。

联系人：吴育红、门珺。

邮箱地址：menjun@联系电话：6242船舶货运保险部二○○九年十月十日地址：石家庄市裕华西路83号邮编： 050081部门：船舶货运保险部联系人：吴育红邮箱: wuyuhong@ 电话：6242。

沿海内河船舶保险条款(2009版)

中国人民财产保险股份有限公司沿海内河船舶保险条款（2009 版）本保险的保险标的是指中华人民共和国境内合法登记注册从事沿海、内河航行的船舶，包括船体、机器、设备、仪器和索具。

船上燃料、物料、给养、淡水等财产和渔船不属于本保险标的范围。

本保险分为全损险和一切险，本保险按保险单注明的承保险别承担保险责任。

保险责任第一条全损险由于下列原因造成保险船舶发生的全损，本保险负责赔偿。

本保险对每次碰撞、触碰责任仅负责赔偿金额的四分之三，但在保险期间内一次或累计最高赔偿额以不超过船舶保险金额为限。

属于本船舶上的货物损失，本保险不负赔偿责任。

非机动船舶不负碰撞、触碰责任，但保险船舶由本公司承保的拖船拖带时，可视为机动船舶。

二、共同海损、救助及施救本保险负责赔偿依照国家有关法律或规定应当由保险船舶摊负的共同海损。

除合同另有约定外，共同海损的理算办法应按《北京理算规则》办理。

但共同海损、救助及施救三项费用之和的累计最高赔偿额以不超过保险金额为限。

沿海内河船舶保险条款(2009版)

船上燃料、物料、给养、淡水等财产和渔船不属于本保险标的范围。

本保险分为全损险和一切险，本保险按保险单注明的承保险别承担保险责任。

保险责任第一条全损险由于下列原因造成保险船舶发生的全损，本保险负责赔偿。

本保险对每次碰撞、触碰责任仅负责赔偿金额的四分之三，但在保险期间内一次或累计最高赔偿额以不超过船舶保险金额为限。

属于本船舶上的货物损失，本保险不负赔偿责任。

非机动船舶不负碰撞、触碰责任，但保险船舶由本公司承保的拖船拖带时，可视为机动船舶。

二、共同海损、救助及施救本保险负责赔偿依照国家有关法律或规定应当由保险船舶摊负的共同海损。

除合同另有约定外，共同海损的理算办法应按《北京理算规则》办理。

但共同海损、救助及施救三项费用之和的累计最高赔偿额以不超过保险金额为限。

海洋运输货物战争险条款(2009版)

海洋运输货物战争险条款（2009版）一、责任范围本保险负责赔偿：(一)直接由于战争、类似战争行为和敌对行为、武装冲突或海盗行为所致的损失。

(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。

(三)各种常规武器，包括水雷、鱼雷、炸弹所致的损失。

(四)本条款责任范围引起的共同海损的牺牲、分摊和救助费用。

二、除外责任本保险对下列各项，不负赔偿责任：(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。

(二)根据执政者、当权者、或其他武装集团的扣押、拘留引起的承保航程的丧失和挫折而提出的任何索赔。

三、责任起讫(一)本保险责任自被保险货物装上保险单所载起运港的海轮或驳船时开始，到卸离保险单所载明的目的港的海轮或驳船时为止。

如果被保险货物不卸离海轮或驳船，本保险责任最长期限以海轮到达目的港的当日午夜起算满十五天为限，海轮到达上述目的港是指海轮在该港区内一个泊位或地点抛锚、停泊或系缆，如果没有这种泊位或地点，则指海轮在原卸货港或地点或附近第一次抛锚、停泊或系缆。

(二)如在中途港转船，不论货物在当地卸载与否，保险责任以海轮到达该港或卸货地点的当日午夜起算满十五天为止，俟再装上续运海轮时恢复有效。

(三)如运输契约在保险单所载明目的地以外的地点终止时，该地即视为本保险目的地，仍照前述第（一）款的规定终止责任，如需运往原目的地或其他目的地时，在被保险人于续运前通知保险人并加交保险费的情况下，可自装上续运的海轮时重新有效。

(四)如运输发生绕道，改变航程或承运人运用运输契约赋予的权限所作的任何航海上的改变，在被保险人及时将获知情况通知保险人，在必要时加交保险费的情况下，本保险仍继续有效。

注：本条款系海洋运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。

太保(备案)[2009]N188号-远洋渔船保险条款

中国太平洋财产保险股份有限公司远洋渔船保险条款一、保险财产范围本保险单所保渔船指船壳及其附属设备。

包括子船、机器及其附件、绞盘、通讯设备以及其他仪器、电器设备。

船上渔网、渔具、燃料、渔获物、生活给养及船上所有人员的私人财产，非经被保险人另行加费投保并在保险单中列明，不在本保险财产范围内。

二、责任范围本保险分全损险和综合险。

被保险渔船在保险有效期内遭受的损失，本公司按承保险别和本条款规定负责赔偿。

但渔网、渔具只能加保全损险。

（一）全损险：由于下列原因造成被保险渔船和加保的渔网渔具的全部损失，本公司负责赔偿：1．暴风雨、台风、雷电、流冰、地震、海啸、洪水、火山爆发、搁浅、触礁、沉没、碰撞、失火、锅炉或其他设备爆炸、油管破裂等自然灾害和意外事故；2．船壳和机器的潜在缺陷；3．船长、大副、船员、引水员或修船人员的疏忽。

（二）综合险：由于下列原因造成被保险渔船的全部或部分损失，本公司负责赔偿：1．暴风雨、台风、雷电、流冰、地震、海啸、洪水、火山爆发、搁浅、触礁、沉没、碰撞、失火、锅炉或其他设备爆炸、油管破裂等自然灾害和意外事故；2．船壳和机器的潜在缺陷；3．船长、大副、船员、引水员或修船人员的疏忽。

由于以上原因引起的下列责任和费用本公司也负责赔偿：1．被保险船舶的救助费用；2．被保险渔船搁浅后为检查船底所付的费用；3．被保险渔船因发生本保险单责任范围内的损失而进行修理时船上必须保留的船员的工资和生活费用；4．共同海损和牺牲、分摊；5．在碰撞事故中，被保险渔船应负责赔偿的被碰撞的船舶及所载货物、船坞、码头或其他固定物的损失、延迟、丧失使用和救助费用，或人身伤害、死亡、生命救助费，但以不超过被保险渔船的保险金额为限；6．为确定保险责任范围内的损失或向第三者追偿所需的费用以及为限制赔偿责任，经本公司事先同意进行抗辩、诉讼所支出的费用。

三、除外责任本公司对下列损失、费用和责任，不负责赔偿：（一）由于被保险渔船不具备适航条件所造成的损失；（二）由于船东及其代表的疏忽，船东及其代表和船长的故意行为造成的损失；（三）被保险渔船的船壳和机器的正常维修、油漆、本身磨损或锈蚀；（四）被保险渔船的滞期损失和其他间接费用；（五）被保险渔船上任何人员的人身伤害、疾病或死亡或根据雇佣合同或劳工法应由被保险人承担的责任；（六）根据法令或有关当局规定，清除或处理障碍物、残船、货物或其他物件所需的费用以及清除污染费用；（七）被碰撞的船舶上任何人员的个人财产损失；（八）本公司船舶战争条款规定的承保责任和除外责任。

机动车辆保险、船舶与货物运输保险

机动车辆保险、船舶与货物运输保险您的姓名： [填空题] *_________________________________一、单选题（每小题1分，共62题）1.机动车辆保险的特点不包括（）。

[单选题] *A.承保风险的多样性B.属于定值保险(正确答案)C.赔偿方式主要是修复D.赔偿中通常规定绝对免赔额2.（）是指以各种船舶（包括其船壳、救生艇、机器、设备、仪器、索具、燃料等）及相关利益作为保险标的的保险。

[单选题] *A.船舶保险(正确答案)B.货物运输保险C.机动车辆保险D.财产损失保险3.远洋船舶保险一切险中，国际市场上其他的船舶险条款一般承保3/4碰撞责任（即船东自己或保赔协会要承担剩余的1/4碰撞责任），人保财险公司船舶一切险条款中规定的为承担（）碰撞责任。

[单选题] *A.1/4B.2/4C.3/4D.4/4(正确答案)4.海洋运输货物保险中，水渍险是在平安险的基础上，加上（）作为保险责任。

[单选题] *A.保险货物由于自然灾害所造成的全部损失B.保险货物由于自然灾害所造成的部分损失(正确答案)C.保险货物由于意外事故造成的全部损失D.保险货物由于意外事故造成的部分损失5.（）只使用于不大可能发生碰损、破碎或容易生锈但不影响使用的货物，如铁钉、铁丝，以及旧汽车、旧机床等二手货。

[单选题] *A.平安险B.水渍险(正确答案)C.邮包险D.一切险6.一般而言，货物运输保险的保险标的包括（）。

[单选题] *A.机动车(正确答案)B.蔬菜C.牲畜D.金银珠宝7.远洋船舶保险中，当要对被保险船舶的损失进行修理时，被保险人对受损船舶的修理进行招标以接受最有利的报价。

此类招标经保险人同意并被接受时，保险人赔偿被保险人发出招标通知书之日起至接受投标时止所支付的燃料、物料等费用，但最高不得超过船舶当年保险价值的（）。

[单选题] *A.0.1B.0.2C.0.3(正确答案)D.0.58.下列不属于沿海内河船舶保险保险标的的是（）。

海上保险法5-1 船舶保险条款

【案例211】（救助）G/A比例约定太高
3、施救：独立赔偿；属于P/A、G/A、救助的，不得按施救处理
二、除外责任
1、不适航
“……，但以被保险人在船舶开航时，知道或应该知道此种不适航为限” “被保险人”：本人、其代表
“应该知道”：客观衡量标准
“船长船员疏忽未通知被保险人”：承保风险之一（第1.7条）
不适用：全损、碰撞责任、G/A和救助、施救、……
四、海运
1、被保险人义务：先经同意，接受……
2、违反的后果：不负责因此造成的损失 3、非正常航行活动 1）被保险船舶从事拖带或救助服务：不包括“强制性救助” 2）被保险船舶与他船（非港口或沿海使用的小船）在海上直接装卸货物，包括驶近、靠拢和离开 3）被保险船舶为拆船或为拆船出售为目的的航行
七、保费和退费
1、退保退费
2、提前终止合同 3、停航退费
1）停泊地点：须由保险人同意；
2）停泊期间：连续超过30天退费额 = 1/2（保险金额 X 费率 — 各种扣减）X 停泊天数 / 保险期间
3）停航期超过30天：分属两张同一保险人的连续保单
180 …… 4）保期内未全损：一般要等到保期届满后，才办理退费 4、航次保险：自保险责任开始一律不办理退保和退费 10 25 365
不论G/A是否成立，抛货引起的船舶全损，直接赔偿 6、核装置或核反应堆发生的故障或意外事故
7、 “殷琪玛瑞条款” （仅“船舶险”有）
① 装卸或移动货物或燃料时发生的意外事故； ② 船舶机件或船壳的潜在缺陷；
③ 船长、船员有意损害被保险人利益的行为；
（“船员恶意行为” ） ④ 船长、船员和引水员、修船人员及租船人的疏忽行为；
五、保险期间 1、定期