海洋运输货物保险条款（附英文）
责范围
保险分安险水渍险切险三种保险货物遭受损失时保险保险单订明承保险条款规定负赔偿责
（）安险保险负责赔偿：
1保险货物运输途中恶劣气候雷电海啸震洪水然灾害造成整批货物全部损失推定全损保险求赔付推定全损时须受损货物权利委付保险公司保险货物驳船运运离海轮驳船装货物视作整批推定全损指保险货物实际全损已避免者恢复修复受损货物运送货物原订目费超该目货物价值
2运输工具遭受搁浅触礁沉没互撞流冰物体碰撞失火爆炸意外事造成货物全部部份损失
3运输工具已发生搁浅触礁沉没焚毁意外事情况货物前海遭受恶劣气候雷电海啸等然灾害造成部份损失
4装卸转运时件数件整件货物落海造成全部部份损失
5保险遭受承保责危险货物采取抢救防止减少货损措施支付合理费超该批救货物保险金额限
6运输工具遭遇海难避难港卸货引起损失中途港避难港卸货存仓运送货物产生特费
7海损牺牲分摊救助费
8运输契约订船舶互撞责条款根该条款规定应货方偿船方损失
（二）水渍险包括列安险项责外保险负责保险货物恶劣气候雷电海啸震洪水然灾害造成部份损失
（三）切险包括列安险水渍险项责外保险负责保险货物运输途中外原致全部部分损失
二外责
保险列损失负赔偿责：
（）保险意行失造成损失
（二）属发货责引起损失
（三）保险责开始前保险货物已存品质良数量短差造成损失
（四）保险货物然损耗质缺陷特性市价跌落运输迟延引起损失费
（五）公司海洋运输货物战争险条款货物运输罢工险条款规定责范围外责
三责起讫
（）保险负仓仓责保险货物运离保险单载明起运仓库储存处开始运输时生效包括正常运输程中海陆河驳船运输直该项货物达保险单载明目收货仓库储存处保险作分配分派非正常运输储存处止末抵达述仓库储存处保险货物卸载港全部卸离海轮满六十天止述六十天保险货物需转运非保险单载 明目时该项货物开始转运时终止
（二）保险法控制运输延迟绕道迫卸货重行装载转载承运运运输契约赋予权限作航海变更终止运输契约致保险货物运非保险单载明目时保险时获知情况通知保险必时加缴保险费情况保险继续效保险责列规定终止
1保险货物非保险单载明目出售保险责交货时止情况均保险货物卸载港全部卸离海轮满六十天止
2保险货物述六十天期限继续运保险单载原目目时保险责述第（）款规定终止
四保险义务
保险应规定应义务办理关事项未履行规定义务影响保险利益时公司关损失权拒绝赔偿
（）保险货物运抵保险单载明目港（）保险应时提货发现保险货物遭受损失应保险单载明检验理赔代理申请检验发现保险货物整件短少明显残损痕迹应承运受托关局（海关港务局等）索取货损货差证明果货损货差承运受托关方面责造成应书面方式提出索赔必时须取延长时效认证
（二）遭受承保责危险货物保险公司迅速采取合理抢救措施防止威少货物损失保险采取项措施应视放弃委付表示公司采取项措施视接受委付表示
（三）遇航程变更发现保险单载明货物船名航程遗漏错误时深险应获悉立通知保险必时加缴保险费保险继续效
（四）保险索赔时必须提供列单证：
保险单正提单发票装箱单磅码单货损货差证明检验报告索赔清单涉第三者责须提供责方追偿关函电必单证文件
（五）获悉关运输契约中船舶互携责条款实际责应时通知保险
五索赔期限
保险索赔时效认保险货物卸裁港全部卸离海轮起算超二年
附件
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 andor 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 andor 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 andor 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 warehouse 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 andor 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 andor 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 andor 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
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责范围
保险分安险水渍险切险三种保险货物遭受损失时保险保险单订明承保险条款规定负赔偿责
（）安险保险负责赔偿：
1保险货物运输途中恶劣气候雷电海啸震洪水然灾害造成整批货物全部损失推定全损保险求赔付推定全损时须受损货物权利委付保险公司保险货物驳船运运离海轮驳船装货物视作整批推定全损指保险货物实际全损已避免者恢复修复受损货物运送货物原订目费超该目货物价值
2运输工具遭受搁浅触礁沉没互撞流冰物体碰撞失火爆炸意外事造成货物全部部份损失
3运输工具已发生搁浅触礁沉没焚毁意外事情况货物前海遭受恶劣气候雷电海啸等然灾害造成部份损失
4装卸转运时件数件整件货物落海造成全部部份损失
5保险遭受承保责危险货物采取抢救防止减少货损措施支付合理费超该批救货物保险金额限
6运输工具遭遇海难避难港卸货引起损失中途港避难港卸货存仓运送货物产生特费
7海损牺牲分摊救助费
8运输契约订船舶互撞责条款根该条款规定应货方偿船方损失
（二）水渍险包括列安险项责外保险负责保险货物恶劣气候雷电海啸震洪水然灾害造成部份损失
（三）切险包括列安险水渍险项责外保险负责保险货物运输途中外原致全部部分损失
二外责
保险列损失负赔偿责：
（）保险意行失造成损失
（二）属发货责引起损失
（三）保险责开始前保险货物已存品质良数量短差造成损失
（四）保险货物然损耗质缺陷特性市价跌落运输迟延引起损失费
（五）公司海洋运输货物战争险条款货物运输罢工险条款规定责范围外责
三责起讫
（）保险负仓仓责保险货物运离保险单载明起运仓库储存处开始运输时生效包括正常运输程中海陆河驳船运输直该项货物达保险单载明目收货仓库储存处保险作分配分派非正常运输储存处止末抵达述仓库储存处保险货物卸载港全部卸离海轮满六十天止述六十天保险货物需转运非保险单载 明目时该项货物开始转运时终止
（二）保险法控制运输延迟绕道迫卸货重行装载转载承运运运输契约赋予权限作航海变更终止运输契约致保险货物运非保险单载明目时保险时获知情况通知保险必时加缴保险费情况保险继续效保险责列规定终止
1保险货物非保险单载明目出售保险责交货时止情况均保险货物卸载港全部卸离海轮满六十天止
2保险货物述六十天期限继续运保险单载原目目时保险责述第（）款规定终止
四保险义务
保险应规定应义务办理关事项未履行规定义务影响保险利益时公司关损失权拒绝赔偿
（）保险货物运抵保险单载明目港（）保险应时提货发现保险货物遭受损失应保险单载明检验理赔代理申请检验发现保险货物整件短少明显残损痕迹应承运受托关局（海关港务局等）索取货损货差证明果货损货差承运受托关方面责造成应书面方式提出索赔必时须取延长时效认证
（二）遭受承保责危险货物保险公司迅速采取合理抢救措施防止威少货物损失保险采取项措施应视放弃委付表示公司采取项措施视接受委付表示
（三）遇航程变更发现保险单载明货物船名航程遗漏错误时深险应获悉立通知保险必时加缴保险费保险继续效
（四）保险索赔时必须提供列单证：
保险单正提单发票装箱单磅码单货损货差证明检验报告索赔清单涉第三者责须提供责方追偿关函电必单证文件
（五）获悉关运输契约中船舶互携责条款实际责应时通知保险
五索赔期限
保险索赔时效认保险货物卸裁港全部卸离海轮起算超二年
附件
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 andor 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 andor 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 andor 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 warehouse 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 andor 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 andor 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 andor 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
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