《貨代英語(yǔ)》輔導(dǎo):海上貨物保險(xiǎn)(7)
來源:貨運(yùn)代理考試網(wǎng)發(fā)布時(shí)間:2011-09-27
2) 一切險(xiǎn)不包含的風(fēng)險(xiǎn)范圍
英文原文:The All Risks does not cover risks of war, strike and other special additional risks such as failure to delivery, import duty, on deck, rejection, aflatoxin and so on. 一切險(xiǎn)不包括戰(zhàn)爭(zhēng)險(xiǎn),罷工險(xiǎn)和其它附加的特殊險(xiǎn)別,比如交貨不到險(xiǎn),進(jìn)口關(guān)稅險(xiǎn),艙面險(xiǎn),拒收險(xiǎn),黃曲霉素險(xiǎn)等。
注釋:strike: 罷工 additional: 附加的,額外的 failure to delivery: 交貨不到險(xiǎn) (on) deck: 甲板,艙面 rejection: 拒收 aflatoxin: 黃曲霉素
歷年考題:
1) Which of the following risks is not covered by the All Risks coverage of marine cargo transportation insurance? ( ) – 2004年單選題
A. Delay
B. Flood
C. Lightning
D. heavy weather
答案:A
分析:一切險(xiǎn)(All Risks)包含平安險(xiǎn)和水漬險(xiǎn)的責(zé)任范圍,還包括(保險(xiǎn)標(biāo)的)在運(yùn)輸途中由于外來原因所造成的所有損失(包括全部損失和部分損失)。 但交貨延遲這種特殊險(xiǎn)別是不包含在內(nèi)的
2) The All Risks of marine cargo transportation insurance covers risks of ( ) – 2004年多選題
A. war and strike
B. general average
C. inherent vice of goods
D. stranding of ship
答案:BD
分析:這道題是考一切險(xiǎn)的責(zé)任范圍,一切險(xiǎn)承保共同海損,船舶或海上運(yùn)輸工具的擱淺(stranding of ship),但是對(duì)于戰(zhàn)爭(zhēng),罷工和貨物內(nèi)部自身的缺陷是不承保的
3) The All Risks of PICC Ocean Marine Cargo Clause does not cover risks of war and special additional risks but cover the general additional risks( ) – 2006年判斷題
答案:正確。
分析:在海貨物運(yùn)輸保險(xiǎn)一切險(xiǎn)條款中,保險(xiǎn)人的承保范圍不包括戰(zhàn)爭(zhēng)險(xiǎn)和特別附加險(xiǎn),但是包括普通附加險(xiǎn)。
4、Exclusion 除外責(zé)任(2009教材新增內(nèi)容)
平安險(xiǎn)、水漬險(xiǎn)和一切險(xiǎn)對(duì)于由下列原因所造成的損失不負(fù)賠償責(zé)任:
1) loss or damage caused by the intentional act or fault of the insured; 被保險(xiǎn)人的故意行為或過失所造成的損失。
注釋:intentional act: 故意行為(intentional: 故意的,有意(識(shí))的)
2) loss or damage falling under the liability of the consignor; 屬于發(fā)貨人責(zé)任所引起的損失。
注釋:fall under: 被歸入,列入
3) loss or damage arising from the inferior quality or shortage of the insured goods prior to the attachment of the insurance; 在保險(xiǎn)責(zé)任開始前,被保險(xiǎn)貨物已存在品質(zhì)不良或數(shù)量短差所造成的損失。
注釋:inferior quality: 低質(zhì)量(inferior:(質(zhì)量等)劣等的; 差的; 次的)shortage: 不足, 短少, 短缺額 prior to: 在…之前
4) loss or damage arising from ordinary loss, inherent vice or nature of the insured goods and loss or expense caused by a fall in market prices, delay in transit; 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。
注釋:ordinary loss: 自然損耗,正常損失 inherent vice: 固有缺陷,內(nèi)部缺陷
5) risks and liabilities covered and excluded by the ocean marine (cargo) war risks clauses and strike clauses of PICC. 保險(xiǎn)公司海洋運(yùn)輸貨物戰(zhàn)爭(zhēng)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。
