外贸函电 保险 Insurance.ppt

外贸函电 保险 Insurance.ppt*,*-财产保险-责任保险-信用保险-人身保险进出口货物运输的保险实务●选择恰当的保险险别一般应考虑以下因素:1、货物的性质和特点2、货物的包装3、货运航线、停靠港口及装卸货的损耗情况4、运输季节、气候及安全因素5、货物的残存规律*(Insurance)premium:保险费premiumrate保险费率货物运输保险保障的范围风险损失费用*,LossesandExpensesCoverageofInsuranceLossesRisksExpensesinsurancecoverage;idents一般外来风险GeneralExtraneousRisks特殊外来风险SpecialExtraneous风险Risks*LossesActualTotalLossConstructiveTotalLossParticularAverageGeneralAverageLossesTotalLossPartialLoss二、损失Losses损失Losses海上损失PerilsoftheSea其他损失全部损失TotalLoss实际全损ActualTotalLoss推定全损ConstructiveTotalLoss部分损失PartialLoss共同海损GeneralAverage单独海损ParticularAverage一般外来损失特殊外来损失*(1)Actualtotalloss(实际全损)urswheretheinsuredgoodshavebeentotallylostordamaged,orfoundtobetotallyvaluelessonarrival.(2)Constructivetotalloss(推定全损)Constructivetotallossisfoundinthecasewhereanactualtotallossappearstobeunavoidableorthecosttobeincurredinrecoveringorreconditioningthegoodstogetherwiththeforwardingcosttothedestinationnamedinthepolicywouldexceedtheirvalueonarrival.