OCEAN MARINE INSURANCE CLAUSES（FROZEN PRODUCTS）BY PICC 中國人民保險公司 Peoples Insurance Company of China 一、責任范圍Ⅰ. Scope of Cover 本保險分為冷藏險和冷藏一切險二種。被保險貨物遭受損失時，本保險按照保險單上訂明承保險別的條款規(guī)定，負OCEAN MARINE INSURANCE CLAUSES（FROZEN PRODUCTS）BY PICC
中國人民保險公司 People's Insurance Company of China
一、責任范圍Ⅰ. Scope of Cover
本保險分為冷藏險和冷藏一切險二種。被保險貨物遭受損失時，本保險按照保險單上訂明承保險別的條款規(guī)定，負賠償責任。?
This insurance is classified into Risks for Frozen Products and All Risks for Frozen Products and shall be liable for loss of or damage to the insured goods according to the conditions of the risks covered under the Policy.?
（一）?冷藏險?1. Risks for Frozen Products:?
本保險負責賠償：?
1.被保險貨物在運輸途中由于惡劣氣候、雷電、海嘯、地震、洪水自然災(zāi)害或由于運輸工具遭受擱淺、觸礁、沉沒、互撞、與流冰或其他物體碰撞以及失火、爆炸意外事故或由于冷藏機器停止工作連續(xù)達二十四小時以上所造成的腐敗或損失。?
Deterioration or loss of or damage to the insured goods caused in the course of transit by natural calamities-heavy weather, lightning, tsunami, earthquake, flood or by accidents-grounding, stranding, sinking or collision of the carrying conveyance or contact with floating ice or other substance or fire or explosion or stoppage of refrigerating machinery for more than 24 consecutive hours.?
2.在裝卸或轉(zhuǎn)運時由于一件或數(shù)件整件貨物落海所造成的全部或部分損失。?
Partial or total loss arising from the falling of entire package or packages into sea during loading, unloading or transhipment.?
3.被保險人對遭受承保責任內(nèi)危險的貨物采取搶救、防止或減少貨損的措施而支付的合理費用，但以不超過該批被救貨物的保險金額為限。?
Reasonable cost incurred by the Insured in salvaging the goods or averting or minimizing a loss recoverable under this insurance, provided that such cost shall not exceed the sum insured of the goods so saved.?
4.運輸工具遭遇海難后，在避難港由于卸貨所引起的損失以及在中途港、避難港由于卸貨、存?zhèn)}以及運送貨物所產(chǎn)生的特別費用。?
Losses attributable to discharge of the insured goods at the port 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.?
5.共同海損的犧牲、分攤和救助費用。?
Sacrifice in and contribution to General Average and Salvage Charges.?
6.運輸契約訂有“船舶互撞責任”條款，根據(jù)該條款規(guī)定應(yīng)由貨方償還船方的損失。?
Such proportion of losses sustained by the shipowners as is to be reimbursed by the cargo owners under the Contract of Affreightment “Both to Blame Collision” Clause.?
（二）?冷藏一切險?All Risks for Frozen Products:
除包括上列冷藏險的各項責任外，本保險還負責被保險貨物在運輸途中由于外來原因所致的腐敗或損失。
Aside from the risks covered under the aforesaid Risks for Frozen Products, this insurance also covers deterioration or loss of or damage to the insured goods arising from external causes in the course of transit.?
二、除外責任Ⅱ. Exclusions
本保險對下列損失，不負賠償責任：This Insurance does not cover:?
（一）?被保險人的故意行為或過失所造成的損失。
Loss or damage caused by the intentional act or fault of the Insured.?
（二）?屬于發(fā)貨人責任所引起的損失。?
Loss or damage falling under the liability of the consignor.?
（三）?被保險貨物在運輸過程中的任何階段因未存放在有冷藏設(shè)備的倉庫或運輸工具中，或輔助運輸工具沒有隔溫設(shè)備所造成的貨物腐敗。?
Deterioration of the insured goods caused by the failure in any stage of transit to store or stow the said goods in warehouse or in the carrying conveyance provided with refrigeration installation or in insulated space in conveyance.?
（四）?被保險貨物在保險責任開始時因未保持良好狀態(tài)，包括整理加工和包扎不妥，冷凍上的不合規(guī)定及骨頭變質(zhì)所引起的貨物腐敗和損失。?
Deterioration or loss of or damage to the insured goods arising from failure to keep the goods in good condition, including improper dressing and wrapping and/or packing, failure to comply with the freezing standard and bone taint at the time of commencement of this insurance.
（五）?被保險貨物的自然損耗、本質(zhì)缺陷、特性及市價跌落、運輸延遲所引起的損失和費用。?
Loss or damage arising from normal loss, inherent vice or nature of the insured goods, loss of market and/or delay in transit and any expense arising therefrom.
（六）?本公司海洋運輸貨物戰(zhàn)爭險條款和貨物運輸罷工險條款規(guī)定的責任范圍和除外責任。?
6. Risks and liabilities covered and excluded by the Ocean Marine Cargo War Risks Clauses and Strikes, Riot and Civil Commotion Clauses of this Company.?
三、責任起訖Commencement and Termination of Cover
（一）?本保險責任自被保險貨物運離保險單所載起運點的冷藏倉庫裝入運送工具開始運輸時生效，包括正常運輸過程中的海上、陸上、內(nèi)河和駁船運輸在內(nèi)，直到該項貨物到達保險單所載明的最后卸載港三十天內(nèi)卸離海輪，并將貨物存入岸上冷藏庫后繼續(xù)有效。但以貨物全部卸離海輪時起算滿十天為限。在上述期限內(nèi)貨物一經(jīng)移出冷藏倉庫，則責任即行終止，如卸離海輪后不存入冷藏倉庫，則至卸離海輪時終止。?
This Insurance attaches from the time the goods hereby insured leave the cold stores at the place of shipment named in the Policy and are loaded onto the conveyance for the commencement of transit, including sea, land and inland water transit and transit in lighter, until the expiry of ten （10） days upon completion of discharge of the goods the seagoing vessel and delivery thereof to the cold stores at the final port of destination. It is warranted, however, that the discharge, from the seagoing vessel must be completed within thirty （30） days after their arrival at the port of discharge; that liability under this insurance shall cease to attach once the insured goods are moved out of the cold stores within the aforesaid period; and that if the goods are not delivered to the cold stores after discharge from the seagoing vessel the insurance shall terminate immediately upon such discharge.?
（二）?由于被保險人無法控制的運輸延遲、繞道、被迫卸貨、重行裝載、轉(zhuǎn)載或承運人運用運輸契約賦予的權(quán)限所作的任何航海上的變更或終止運輸契約，致使被保險貨物運到非保險單所載明目的地時，在被保險人及時將獲知的情況通知保險人，并在必要時加繳保險費的情況下，本保險仍繼續(xù)有效。保險責任按下列規(guī)定終止：?
If, owing to delay, deviation, forced discharge, reshipment or transhipment 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 required, this insurance shall remain in force and shall terminate as hereunder:?
1.在貨物到達卸載港三十天內(nèi)卸離海輪并將貨物存入岸上冷藏倉庫后繼續(xù)有效，但以貨物全部卸離海輪后時起算滿十天終止。在上述期限內(nèi)，被保險貨物如在非保險單所載明目的地出售，保險責任至交貨時為止。?
The Insurance shall terminate upon the expiry of the （10） days after completion of discharge from the seagoing vessel at the port of discharge and delivery to the cold stores on shore, it being warranted, however, that the discharge must be completed within thirty （30） days after the ship's arrival. Within the aforesaid period if insured goods are sold at a port or place of destination not named in the policy, then this insurance shall terminate when they are deliveried at such port or place.?
2.被保險貨物如在上述十天期限內(nèi)繼續(xù)運往保險單所載原目的地或其他目的地時，保險責任仍按上述第（一）款的規(guī)定終止。?
If the insured goods are to be forwarded to the final destination named in the Policy or to any other destination within the aforesaid period of ten （10） days, this insurance shall terminate in accordance with Section I above.?
四、被保險人的義務(wù)Duty of the Insured
被保險人應(yīng)按照以下規(guī)定的應(yīng)盡義務(wù)辦理有關(guān)事項，如因未履行規(guī)定的應(yīng)盡義務(wù)而影響本公司利益時，本公司對有關(guān)損失有權(quán)拒絕賠償。?
It is the duty of the Insured to attend to all matters as specified hereunder, failing which the Company reserve the right to reject his claim for any loss or damage if and when such failure prejudices the interest of the Company.?
（一）?當被保險貨物運抵保險單所載目的港以后，被保險人應(yīng)及時提貨。當發(fā)現(xiàn)被保險貨物任何部分有腐敗或損失，應(yīng)立即向保險單上所載明的檢驗、理賠代理人申請檢驗，由其在本保險責任終止前確定腐敗件數(shù)或損失程度。如發(fā)現(xiàn)被保險貨物整件短少或有明顯殘損痕跡應(yīng)即向承運人、受托人或有關(guān)當局（海關(guān)、港務(wù)當局等）索取貨損貨差證明。如果貨損貨差是由于承運人、受托人或其他有關(guān)方面的責任所造成，應(yīng)以書面方式向他們提出索賠，必要時還須取得延長時效的認證。?
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 case of discovery of any deterioration or loss of or damage to any part of the insured goods, immediate notice should be given to the surveying and claim settling agent named in the Policy to conduct survey and ascertain the quantity deteriorated or the extent of damage before termination of this insurance. 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, bailee or other relevant authorities （Customs and Port Authorities etc.） certificate of loss or damage and/or shortlanded memo. Should the carrier, bailee or the other relevant authorities be responsible for such shortage or damage, the Insured shall lodge a claim with them in writing and, if necessary, obtain their confirmation of an extension of the time limit of validity of such claim.?
（二）?對遭受承保責任內(nèi)危險的貨物，應(yīng)迅速采取合理的搶救措施，防止或減少貨物的損失。被保險人采取此項措施，不應(yīng)視為放棄委付的表示，本公司采取此項措施，也不得視為接受委付的表示。?
The Insured shall take reasonable measures immediately in salvaging the insured goods when they sustain damage hereunder and in preventing or minimizing the loss. The measures so taken by the Insured shall not be considered as a waiver of abandonment, nor shall they be considered as an acceptance of abandonment in the event that they are taken by the Company.?
（三）?如遇航程變更或發(fā)現(xiàn)保險單所載明的貨物、船名或航程有遺漏或錯誤時，被保險人應(yīng)在獲悉后立即通知保險人并在必要時加繳保險費，本保險才繼續(xù)有效。?
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 forcce only upon prompt notice to this Company when the Insured becomes aware of the same and payment of an additional premium if required.?
（四）?在向保險人索賠時，必須提供下列單證：?
保險單正本、提單、發(fā)票、裝箱單、磅碼單、貨損貨差證明、檢驗報告及索賠清單。如涉及第三者責任，還須提供向責任方追償?shù)挠嘘P(guān)函電及其他必要單證或文件。?
he Insured shall submit the following documents when presenting a claim under this insurance: Original Policy, Bill of Lading, Invoice, Packing List, Tally Sheet, Certificate of Loss or Damage and/or Shortlanded Memo, Survey Report and Statement of Claim. f third party liability is involved, letters and cables relative to recovery from the responsible party and other relative documents shall also be submitted.?
（五）?在獲悉有關(guān)運輸契約中“船舶互撞責任”條款的實際責任后，應(yīng)及時通知保險人。?Immediate notice should be given to the Company when the cargo owner's actual responsibility under the contract of affreightment “Both to Blame Collision” clauses becomes known.?
五、賠款的處理Treatment of Claim
（一）?本保險對同一標記和同一價值的或不同標記但是同一價值的各種包、件、扎、塊，除非另有規(guī)定，均視作同一重量和同一保險價值計算處理賠償。?
In settling any claim under this insurance, all packages, pieces or packs shall, unless otherwise stipulated, be considered as of the same weight and insured value, irrespective of whether such packages, pieces or packs bear the same mark and are of the same value or bear different marks but are of the same value.?
（二）?本保險的索賠時效，從被保險貨物在最后卸載港全部卸離海輪后起計算，最多不超過二年。?
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.?
附：
國際貿(mào)易保險常見險別和條款
1.Risks & Coverage險別
(1)free from particular average 外貿(mào)知識 w.cne
A.)平安險
(2)with particular average (W.A.)水漬險（基本險）
(3)all risk 一切險（綜合險）
(4)total loss only (T.L.O.) 全損險
(5)war risk 戰(zhàn)爭險
(6)cargo(extended cover)clauses貨物（擴展）條款
(7)additional risk 附加險
(8)from warehouse to warehouse clauses倉至倉條款
(9)theft, pilferage and nondelivery N.D.)盜竊提貨不著險
(10)rain fresh water damage 淡水雨淋險
(11)risk of shortage 短量險
(12)risk of contamination 沾污險
(13)risk of leakage 滲漏險
(14)risk of clashing & breakage碰損破碎險
(15)risk of odour 串味險
(16)damage caused by sweating and/or heating 受潮受熱險
(17)hook damage 鉤損險
(18)loss and/or damage caused by breakage of packing包裝破裂險
(19)risk of rusting 銹損險
(20)risk of mould 發(fā)霉險
(21)strike, riots and civel commotion (S.R.C.C.) 罷工、暴動、民變險
(22)risk of spontaneous combustion 自燃險
(23)deterioration risk 腐爛變質(zhì)險
(24)inherent vice risk 內(nèi)在缺陷險
(25)risk of natural loss or normal loss途耗或自然損耗險
(26)special additional risk 特別附加險
(27)failure to delivery 交貨不到險
(28)import duty 進口關(guān)稅險
(29)on deck 倉面險
(30)rejection 拒收險
(31)aflatoxin 黃曲霉素險
(32)fire risk extension clause-for storage of cargo at destination Hongkong, including Kowloon, or Macao 出口貨物到香港（包括九龍在內(nèi)）或澳門存?zhèn)}火險責任擴展條款
(33)survey in customs risk 海關(guān)檢驗險
(34)survey at jetty risk 碼頭檢驗險
(35)institute war risk 學會戰(zhàn)爭險
(36)overland transportation risks陸運險
(37)overland transportation all risks陸運綜合險
(38)air transportation risk 航空運輸險
(39)air transportation all risk 航空運輸綜合險
(40)air transportation war risk 航空運輸戰(zhàn)爭險
(41)parcel post risk 郵包險
(42)parcel post all risk 郵包綜合險
(43)parcel post war risk 郵包戰(zhàn)爭險
(44)investment insurance(political risks) 投資保險（政治風險）
(45)property insurance 財產(chǎn)保險
(46)erection all risks 安裝工程一切險
(47)contractors all risks 建筑工程一切險外貿(mào)知識 w.cne
2.the stipulations for insurance 保險條款常用表達
(1)marine insurance policy 海運保險單
(2)specific policy單獨保險單
(3)voyage policy 航程保險單
(4)time policy期限保險單
(5)floating policy (or open policy) 流動保險單
(6)ocean marine cargo clauses 海洋運輸貨物保險條款
(7)ocean marine insurance clauses (frozen products)海洋運輸冷藏貨物保險條款
(8)ocean marine cargo war clauses 海洋運輸貨物戰(zhàn)爭險條款
(9)ocean marine insurance clauses (woodoil in bulk) 海洋運輸散裝桐油保險條款
(10)overland transportation insurance clauses (train, trucks) 陸上運輸貨物保險條款（火車、汽車）
(11)overland transportation insurance clauses (frozen products)陸上運輸冷藏貨物保險條款
(12)air transportation cargo insurance clauses 航空運輸貨物保險條款
(13)air transportation cargo war risk clauses 航空運輸貨物戰(zhàn)爭險條款
(14)parcel post insurance clauses 郵包保險條款
(15)parcel post war risk insurance clauses 郵包戰(zhàn)爭保險條款
(16)livestock & poultry insurance clauses (by sea, land or air) 活牲畜、家禽的海上、陸上、航空保險條款
(17)…risks clauses of I.C.C. subject to C.I.C.根據(jù)中國人民保險公司的保險條款投保……險
(18)marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & W.A. as per people's Insurance Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage)
作為可議付格式的海運保險單或憑證按照到岸價的發(fā)票金額110%投保中國人民保險公司1976年1月1日的戰(zhàn)爭險和基本險，負責到吉隆坡為止。按照匯票所使用的貨幣在吉隆坡賠付（無免賠率）
(19)insurance policy or certificate settling agent's name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawn in excess of the credit ualue
保險單或憑證須表明理賠代理人的名稱，保險費如增加10-17%可在本證金額以外支付
(20)insurance policy (certificate) … Name of Assured to be showed: A.B.C.Co. Ltd.
保險單或憑證作成以A.B.C.有限公司為被保險人
(21)insurance policy or certificate covering W.A. (or WA.) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of t識 www w.cne
ople's Insurance Company of China dated 1/1/1981
保險單或憑證根據(jù)中國人民保險公司1981年1月1日的海洋運輸貨物保險條款和海洋運輸貨物戰(zhàn)爭險條款投保水漬險（或平安險）和戰(zhàn)爭險
(22)insurance policy/certificate covering all war mines risks
保險單/憑證投保一切險、戰(zhàn)爭險、地雷險（注：mines解釋為地雷，屬于戰(zhàn)爭險的負責范圍，可以接受）
(23)W.A. this insurance must be valid for period of 60 days after the discharge of goods
水漬險在貨物卸船后60天有效
(24)in triplicate covering all risks and war risks including W.A. and breakage in excess of five per cent on the whole consignment and including W/W up to buyer's storehouse.
投保一切險和戰(zhàn)爭險包括水漬險，破碎損失有5%絕對免賠率，按全部貨物計算，包括倉至倉條款，負責到買方在檳城的倉庫為止（的保險單）一式三份
(25)insurance policy issued of endorsed to order … for the face value of invoice plus 10% covering including war with 15 days after arrival of goods at destination, only against N.D.
按發(fā)票面值加10%投保戰(zhàn)爭險，貨物到達目的地后15天有效，僅負責平安險和盜竊提貨不著險的保險單開給或背書給……
(26)insurance policy or certificate issued by an insurance Co. with A. clause covering the merchandise for about 10% above the full invoice value including unlimited transhipment with claims payable at Singapore
由保險公司簽發(fā)的保險單或憑證按發(fā)票總金額另加10%投保水漬險，包括非限定轉(zhuǎn)船的損失，在新加坡賠付
(27)covering all eventual risks 投保一切以外風險
(28)covering all marine risks 投保一切海運風險
(29)marine insurance policy including "both ot blame" collision clauses and fully covering the shipment
海運保險單包括負責船舶互撞條款和全部貨載
(30)insurance … including deviation clauses 保險包括繞道條款
(31)covering overland transportation all risks as per overland transportation cargo insurance clauses (train, trucks) of people's Insurance Company of China dated…
按照中國人民保險公司×年×月×日陸上運輸貨物保險條款（火車、汽車）投保陸上運輸一切險
(32)covering air transportation all risk as per air transportation cargo insurance clauses P.I.C.C.
按照中國人民保險公司×年×月×日航空運輸貨物保險條款投保航空運輸一切險
(33)insurance policy or certificate covering parcel post all risks including war risks as per parcel post insurance clauses and parcel post war risk insurance clauses of people's Insurance Company of China dated…
保險單或憑證按照中國人民保險公司×年×月×日郵包保險條款和郵包戰(zhàn)爭險條款投保郵包一切險和郵包戰(zhàn)爭險
(34)covering all risks including war risks as per ocean marine cargo clauses and air transportation cargo insurance clauses and ocean marine cargo war risk clauses and air transportation cargo war risk clauses of people's Insurance Company of China dated…
按照中國人民保險公司×年×月×日海洋運輸貨物保險條款和航空運輸貨物保險條款以及海洋運輸貨物戰(zhàn)爭險條款和航空運輸貨物戰(zhàn)爭險條款投保?？章?lián)運一切險和戰(zhàn)爭險
(35)covering all risks as per ocean marine cargo clauses and overland transportation cargo insurance clause (train, truck) P.I.C.C. dated…
按照中國人民保險公司×年×月×日海洋運輸貨物保險條款和陸上運輸貨物保險條款（火車、汽車）投保海陸聯(lián)運一切險
(36)covering all risks including war risks as per overland transportation cargo insurance clauses (train,truck) and air transportation cargo insurance clauses and air transportation cargo war risk clause and war clauses (for cargo transportation by rail) of people's Insurance Company of China dated…
按照中國人民保險公司×年×月×日陸運貨物保險條款（火車、汽車）和空運貨物保險條款以及空運貨物戰(zhàn)爭險條款和鐵路貨運戰(zhàn)爭條款投保陸空陸聯(lián)運一切險和戰(zhàn)爭險
(37)including shortage in weight in excess of 0.5%(with 0.5% franchise) on the whole consignment
包括短量損失有0.5%絕對免賠率（0.5%相對免賠率），按全部貨物計算
(38)including risk of breakage and clashing 包括破裂或凹癟險
(39)including risk of chipping & denting 包括碎裂或凹彎險
(40)including risk of bad odour 包括惡味險
(41)including damage by hooks, oils, muds and contact with other cargo(insured value)
包括鉤損、油污、泥污以及和他物接觸所致的損失（以保險價值為限）
(42)including damage caused by rain fresh and/or water, internal combustion(total or partial loss) 包括淡水雨淋，自燃所致的損失（包括全部或部分損失）
(43)including loss and/or damage caused by sea water, fresh-water, acid, grease
包括海水、淡水、酸蝕、油脂所致的損失
(44)including N.D. loss and/or damage caused by heat, ship's sweat and odour, hoop-rust, breakage of packing
包括偷竊提貨不著，受熱船艙發(fā)汗，串味，鐵箍銹損，包裝破裂所致的損失
(45)including damage caused by infestation mould包括蟲蛀霉爛的損失
(46)including damage due to rough handling during transit subject to C.T.C.
按照中國保險條款包括運輸途中操作不當所致的損失
(47)including loss and/or damage from any external cause as per CIC
按照中國保險條款包括外來原因所致的損失
(48)including damage by slings, stains, grease, acids包括吊具、斑污、油脂、酸蝕造成的損失
(49)excluding risk of breakage 不包括破碎險
(50)including the breakage does not cover the goods remarked in th invoice as originally damage 包括破碎險，但不負責發(fā)票所示之貨物的原殘損失
(51)excluding natural loss in weight 不包括途耗短量的損失
(52)including 60 days after discharge of the goods at port of destination (or at station of destination) subject to C.T.C.
按照中國保險條款貨物在目的港卸船（或在目的地車站卸車）后60天為止
(53)including W.A. & risk of fire for 60 days in customs warehouse after discharge of the goods at port of destination subject to CIC
按照中國保險條款投保水漬險和火險，在目的港卸貨后存入海關(guān)倉庫60天為止
(54)this insurance must be valid for a period of 60 days after arrival of merchandise at inland destination
本保險擴展到貨物到達內(nèi)地的目的地后60天有效
(55)insurance policy or certificate covering A. including the risk of war and risks of S.R.C.C. as per I.C.C. dated…and institute war clauses dated…and institute S.R.C.C. clauses dated…
按照×年×月×日倫敦保險學會條款和×年×月×日學會戰(zhàn)爭險條款以及×年×月×日學會罷工、暴動、民變險條款投保平安險、戰(zhàn)爭險和罷工、暴動、民變險
(56) people's Insurance Company of China investment insurance (political risks) clauses
中國人民保險公司投資保險（政治風險）條款
(57)property insurance clauses 財產(chǎn)保險條款
(58) people's Insurance Company of China Erection all risks clauses
中國人民保險公司安裝工程一切險條款
(59) people's Insurance Company of China contractors all risks clauses
中國人民保險公司建筑工程一切險條款知識
