第四章 货物运输保险.pptx
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Chapter Four Cargo Transportation Insurance
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Section 1 Brief Introduction of Cargo Transportation Insurance
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1. Functions of Cargo Transportation Insurance
(1) Risks Transfer
Insurance is a risk transfer mechanisms, whereby the individual or the business enterprises can shift some of the uncertainty of life onto the shoulders of others.
(2) Risk Spreading
Base on the principle that the fortunate helps the unfortunate, the industry of insurance has been developed to overcome these financial losses.
(3) Indemnity
This concept is concerned with the value of compensation.
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2. The Basic Factors of Cargo Transportation Insurance
(1) Insured
(2) Insurer (Underwriter)
(3) Subject of Insurance
(4) Insurance Policy
(5) Conditions
(6) Insured Amount
(7) Insurance Premium
(8) Insurance Claim
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Section 2 The Content of Cargo Transportation Insurance
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1. The Classification of Risks
Risks
Natural Calanities
Fortuitous Accidents
Special Extraneous Risks
Common Extraneous Risks
Perils of Sea
Extraneous Risks
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(1) Perils of the Sea
Perils of the sea are those caused by natural calamities and fortuitous.
i. Natural calamities
ii. Fortuitous Accidents
(2) Extraneous Risks
— General extraneous risks include: theft or pilferage, rain, shortage, contamination, leakage, breakage, taint of odor, dampness, heating, rusting, hooking, etc.
— Special extraneous risks include: war risks, strikes, non-delivery of cargo, refusal to receive cargo, etc.
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2. Losses
Losses
Actual Total loss
Constructive Total Loss
General Average
Particular Average
Total Loss
Partial Loss
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(1) Total Loss
Total loss refers to the loss of the entire shipment caused by the occurrence of one of the perils of the sea, fire, or some other reasons.
i. Actual total loss
ii. Constructive total loss
(2) Partial Loss
Partial loss
3/4/2021
1
Section 1 Brief Introduction of Cargo Transportation Insurance
3/4/2021
2
1. Functions of Cargo Transportation Insurance
(1) Risks Transfer
Insurance is a risk transfer mechanisms, whereby the individual or the business enterprises can shift some of the uncertainty of life onto the shoulders of others.
(2) Risk Spreading
Base on the principle that the fortunate helps the unfortunate, the industry of insurance has been developed to overcome these financial losses.
(3) Indemnity
This concept is concerned with the value of compensation.
3/4/2021
3
2. The Basic Factors of Cargo Transportation Insurance
(1) Insured
(2) Insurer (Underwriter)
(3) Subject of Insurance
(4) Insurance Policy
(5) Conditions
(6) Insured Amount
(7) Insurance Premium
(8) Insurance Claim
3/4/2021
4
Section 2 The Content of Cargo Transportation Insurance
3/4/2021
5
1. The Classification of Risks
Risks
Natural Calanities
Fortuitous Accidents
Special Extraneous Risks
Common Extraneous Risks
Perils of Sea
Extraneous Risks
3/4/2021
6
(1) Perils of the Sea
Perils of the sea are those caused by natural calamities and fortuitous.
i. Natural calamities
ii. Fortuitous Accidents
(2) Extraneous Risks
— General extraneous risks include: theft or pilferage, rain, shortage, contamination, leakage, breakage, taint of odor, dampness, heating, rusting, hooking, etc.
— Special extraneous risks include: war risks, strikes, non-delivery of cargo, refusal to receive cargo, etc.
3/4/2021
7
2. Losses
Losses
Actual Total loss
Constructive Total Loss
General Average
Particular Average
Total Loss
Partial Loss
3/4/2021
8
(1) Total Loss
Total loss refers to the loss of the entire shipment caused by the occurrence of one of the perils of the sea, fire, or some other reasons.
i. Actual total loss
ii. Constructive total loss
(2) Partial Loss
Partial loss
第四章 货物运输保险
