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In the end, this paper would provide several suggestions for insurers and assureds who using ICC may have problems in practice.

最后分别以保险人及被保险人之角度出发,对於实务上运用协会货物保险条款可能发生之问题,提供若干之建议。

It is the duty of the Assured and their servants and their servants and agents in respect of loss recoverable hereunder to take such measures as may be reasonable for the purpose of averting or minimizing such loss, and to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.

这段话的意思是说,对于本保险应予以赔偿的损失,被保险人、其雇佣人和代理人有义务采取合理措施,以避免或减少这种损失。同时确保对承运人、受托人或其他第三者的追偿权利得以适当地保留和行使。保险人除赔偿其承保的任何损失外,还应就被保险人为履行上述义务而适当和合理发生的任何费用,赔偿给被保险人

When the cost paid by the insurer for insurance transaction excess the normal scope of insurance business, insurance industry will die automatically.

要防范投保方的道德风险,保险人必须支付相当高昂的成本,当保险人为保险交易所支付的成本已经超过了保险经营的正常范围时,保险业将自动消亡。

A contract of marine insurance is deemed to be a gaming or wagering contract Where the assured has not an insurable interest as defined by this Act and the contract is entered into with no expectation of acquiring such an interest; or Where the policy is made "interest or no interest" or "without further proof of interest than the policy itself", or "without benefit of salvage to the insurer", or subject to any other like term.

2海上保险合同在下列情况下,被认为是赌博合同:被保险人对保险标的无本法规定的保险利益,而且在缔约后仍无获得此种保险利益的可能;保险单是按&无论有无保险利益&或&除保险单本身外,再无具有保险利益的证明&,,或&保险人无救助利益&等条件,或按其他类似条件订定的。

Should the Vessel be a constructive total loss but the claim on the insurance on hull and machinery be settled as a claim for partial loss,, no payment shall be due under this Clause 9

若保险船舶构成推定全损,但根据船体和机器保险的索赔是按照部分损失解决索赔者,保险人根据本第9条不负赔偿责任。

In either case, extra insurance premium on hull and machinery to be for Charterers'account, but such extra premium is not to exceed that for minimum coverage under the London Underwriters'Minimum Scale on conditions no wider than their standard form of Institute Time Clauses (1/10/1970) or of Institute war Clauses (1/7/1976) excluding blocking and trapping risks.

不论哪种情况,船壳,机器附加保费由租船人负担,但该附加保费不得超过按照伦敦保险人最低费率的最少险别所征收的保费,其保险条件不得扩大学会按期保险条款(1/10/1970)的标准格式或学会兵险条款(1/7/1976)的标准格式,但不包括封锁和围困险,租船人在收到有关凭证或因租船人需要,收到保单附本时将附加保费付还船东,如附加费有回扣,应退还租船人,船壳,机器保额定为壳,机器保额与上列金额不符,则取较小的金额计算。

In either case, extra insurance premium on hull and machinery to be for Charterers' account, but such extra premium is not to exceed that for minimum coverage under the London Underwriters' Minimum Scale on conditions no wider than their standard form of Institute Time Clauses (1/10/1970) or of Institute war Clauses (1/7/1976) excluding blocking and trapping risks.

不论哪种情况,船壳,机器附加保费由租船人负担,但该附加保费不得超过按照伦敦保险人最低费率的最少险别所征收的保费,其保险条件不得扩大学会按期保险条款(1/10/1970)的标准格式或学会兵险条款(1/7/1976)的标准格式,但不包括封锁和围困险,租船人在收到有关凭证或因租船人需要,收到保单附本时将附加保费付还船东,如附加保费有回扣,应退还租船人,船壳,机器保额定为壳,机器保额与上列金额不符,则取较少的金额计算。

In either case, extra insurance premium on hull and machinery to be for Charterers'account, but such extra premium is not to exceed that for minimum coverage under the London Underwriters'Minimum Scale on conditions no wider than their standard form of Institute Time Clauses (1/10/1970) or of Institute war Clauses (1/7/1976) excluding blocking and trapping risks.

不论哪种情况,船壳、机器附加保费由租船人负担,但该附加保费不得超过按照伦敦保险人最低费率的最少险别所征收的保费,其保险条件不得扩大学会按期保险条款(1/10/1970)的标准格式或学会兵险条款(1/7/1976)的标准格式,但不包括封锁和围困险,租船人在收到有关凭证或因租船人需要,收到保单附本时将附加保费付还船东,如附加费有回扣,应退还租船人,船壳、机器保额定为,保费即按此计算,但如果保单记载的船壳、机器保额与上列金额不符,则取较小的金额计算。

Insurance agent is an underwriter insurance agent to solicit business, through sales policy in a way in the insurance business, occupy a very important position.

保险代理是保险人通过保险代理人招揽业务、推销保单的一种方式,在保险经营中占据了相当重要的地位。

The different roles insurance company, underwriter, broker, consultant and agent play and their impacts to importers and exporters.

保险人,承保人,经纪,顾问及代理的不同角色及他们对出入口商的影响

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