中文條款---海洋運輸貨物(wù)保險條款（附英文）

一(yī)、責任範圍

本保險分為(wèi)平安險、水(shuǐ)漬險及一(yī)切險三種。被保險貨物(wù)遭受損失時，本保險按照(zhào)保險單上(shàng)訂明承保險别的條款規定，負賠償責任。

（一(yī)）平安險。本保險負責賠償：

1、被保險貨物(wù)在運輸途中由于惡劣氣候、雷電(diàn)、海嘯、地震、洪水(shuǐ)自(zì)然災害造成整批貨物(wù)的全部損失或推定全損。當被保險人要求賠付推定全損時，須将受損貨物(wù)及其權利委付給保險公司。被保險貨物(wù)用駁船(chuán)運往或運離海輪的，每一(yī)駁船(chuán)所裝的貨物(wù)可視作一(yī)個(gè)整批。推定全損是指被保險貨物(wù)的實際全損已經不可避免，或者恢複、修複受損貨物(wù)以及運送貨物(wù)到(dào)原訂目的地的費(fèi)用超過該目的地的貨物(wù)價值。

2、由于運輸工(gōng)具遭受擱淺、觸礁、沉沒、互撞、與流冰或其他物(wù)體碰撞以及失火、爆炸意外事(shì)故造成貨物(wù)的全部或部份損失。

3、在運輸工(gōng)具已經發生(shēng)擱淺、觸礁、沉沒、焚毀意外事(shì)故的情況下(xià)，貨物(wù)在此前後又(yòu)在海上(shàng)遭受惡劣氣候、雷電(diàn)、海嘯等自(zì)然災害所造成的部份損失。

4、在裝卸或轉運時由于一(yī)件(jiàn)或數件(jiàn)整件(jiàn)貨物(wù)落海造成的全部或部份損失。

5、被保險人對遭受承保責任内危險的貨物(wù)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(wù)的保險金額為(wèi)限。

6、運輸工(gōng)具遭遇海難後，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，存倉以及運送貨物(wù)所産生(shēng)的特别費(fèi)用。

7、共同海損的犧牲、分攤和救助費(fèi)用。

8、運輸契約訂有“船(chuán)舶互撞責任”條款，根據該條款規定應由貨方償還(hái)船(chuán)方的損失。

（二）水(shuǐ)漬險。除包括上(shàng)列平安險的各項責任外，本保險還(hái)負責被保險貨物(wù)由于惡劣氣候、雷電(diàn)、海嘯、地震、洪水(shuǐ)自(zì)然災害所造成的部份損失。

（三）一(yī)切險。除包括上(shàng)列平安險和水(shuǐ)漬險的各項責任外，本保險還(hái)負責被保險貨物(wù)在運輸途中由于外來原因所緻的全部或部分損失。

二、除外責任

本保險對下(xià)列損失不負賠償責任：

（一(yī)）被保險人的故意行為(wèi)或過失所造成的損失。

（二）屬于發貨人責任所引起的損失。

（三）在保險責任開(kāi)始前，被保險貨物(wù)已存在的品質不良或數量短差所造成的損失。

（四）被保險貨物(wù)的自(zì)然損耗、本質缺陷、特性以及市(shì)價跌落；運輸遲延所引起的損失或費(fèi)用。

（五）本公司海洋運輸貨物(wù)戰争險條款和貨物(wù)運輸罷工(gōng)險條款規定的責任範圍和除外責任。

三、責任起訖

（一(yī)）本保險負“倉至倉”責任，自(zì)被保險貨物(wù)運離保險單所載明的起運地倉庫或儲存處所開(kāi)始運輸時生(shēng)效，包括正常運輸過程中的海上(shàng)、陸上(shàng)、内河和駁船(chuán)運輸在内，直至該項貨物(wù)到(dào)達保險單所載明目的地收貨人的最後倉庫或儲存處所或被保險人用作分配、分派或非正常運輸的其他儲存處所為(wèi)止。如末抵達上(shàng)述倉庫或儲存處所，則以被保險貨物(wù)在最後卸載港全部卸離海輪後滿六十天為(wèi)止。如在上(shàng)述六十天内被保險貨物(wù)需轉運到(dào)非保險單所載明的目的地時，則以該項貨物(wù)開(kāi)始轉運時終止。

（二）由于被保險人無法控制的運輸延遲、繞道、被迫卸貨、重行裝載、轉載或承運人運用運輸契約賦予的權限所作的任何航海上(shàng)的變更或終止運輸契約，緻使被保險貨物(wù)運到(dào)非保險單所載明目的地時，在被保險人及時将獲知的情況通(tōng)知保險人，并在必要時加繳保險費(fèi)的情況下(xià)，本保險仍繼續有效，保險責任按下(xià)列規定終止。

1、被保險貨物(wù)如在非保險單所載明的目的地出售，保險責任至交貨時為(wèi)止，但不論任何情況下(xià)，均以被保險貨物(wù)在卸載港全部卸離海輪後滿六十天為(wèi)止。

2、被保險貨物(wù)如在上(shàng)述六十天期限内繼續運往保險單所載原目的地或其他目的地時，保險責任仍按上(shàng)述第（一(yī)）款的規定終止。

四、被保險人的義務

被保險人應按照(zhào)以下(xià)規定的應盡義務辦理有關事(shì)項，如因未履行規定的義務而影響保險人利益時，本公司對有關損失，有權拒絕賠償。

（一(yī)）當被保險貨物(wù)運抵保險單所載明的目的港（地）以後，被保險人應及時提貨，當發現被保險貨物(wù)遭受任何損失，應即向保險單上(shàng)所載明的檢驗、理賠代理人申請檢驗，如發現被保險貨物(wù)整件(jiàn)短少或有明顯殘損痕迹應即向承運人、受托人或有關當局（海關、港務當局等）索取貨損貨差證明。如果貨損貨差是由于承運人、受托人或其他有關方面的責任所造成，并應以書面方式向他們提出索賠，必要時還(hái)須取得延長(cháng)時效的認證。

（二）對遭受承保責任内危險的貨物(wù)，被保險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(wù)的損失，被保險人采取此項措施，不應視為(wèi)放(fàng)棄委付的表示，本公司采取此項措施，也不得視為(wèi)接受委付的表示。

（三）如遇航程變更或發現保險單所載明的貨物(wù)、船(chuán)名或航程有遺漏或錯(cuò)誤時，被深險人應在獲悉後立即通(tōng)知保險人并在必要時加繳保險費(fèi)，本保險才繼續有效。

（四）在向保險人索賠時，必須提供下(xià)列單證：

保險單正本、提單、發票、裝箱單、磅碼單、貨損貨差證明、檢驗報(bào)告及索賠清單。如涉及第三者責任，還(hái)須提供向責任方追償的有關函電(diàn)及其他必要單證或文件(jiàn)。

（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.