摘要： The subject matter of this insurance is the vessel, including its hull, lifeboats, machinery, equipment, instruments, tackles, bunkers and stores. 本保險的保險標的是船舶，包括其船殼、救生艇、機器、設備、儀器、索具、燃料和物料。 This in
The subject matter of this insurance is the vessel, including its hull, lifeboats, machinery, equipment, instruments, tackles, bunkers and stores.
本保險的保險標的是船舶，包括其船殼、救生艇、機器、設備、儀器、索具、燃料和物料。
This insurance is classified into Total Loss Cover and All Risks Cover.
本保險分為全損險和一切險。
Ⅰ. Scope of Cover責任范圍
1. Total Loss Cover全損險
This insurance covers total loss of the insured vessel caused by:
本保險承保由于下列原因所造成的被保險船舶的全損：
(1) earthquake, volcanic eruption, lightning or other natural calamities;
地震、火山爆發(fā)、閃電或其他自然災害；
(2) grounding, collision, contact with any object, fixed, floating or otherwise, or other perils of the seas;
擱淺、碰撞、觸碰任何固定或浮動物體或其他物體或其他海上災害；
(3) fire or explosions;火災或爆炸；
(4) violent theft by persons from outside the vessel or piracy;
來自船外的暴力盜竊或海盜行為；
(5) jettison;拋棄貨物；
(6) breakdown of or accident to nuclear installations or reactors;
核裝置或核反應堆發(fā)生的故障或意外事故；
(7) this insurance also covers total loss of the insured vessel caused by:
本保險還承保由于下列原因所造成的被保險船舶的全損：
1) accidents in loading, discharging or shifting cargo or fuel;
裝卸或移動貨物或燃料時發(fā)生的意外事故；
2) any latent defect in a machinery or hull of the vessel;
船舶機件或船殼的潛在缺陷；
3) wrongful acts willfully committed by the master or crew to the prejudice of the Insured's interest;船長、船員有意損害被保險人利益的行為；
4) negligence of the Master, crew or pilots, repairers or charterers;
船長、船員和引水員、修船人員及租船人的疏忽行為；
5) acts of any governmental authority to prevent or minimize a pollution hazard resulting from damage to the vessel caused by risks insured against; Provided such loss has not resulted from want of due diligence by the Insured, Owners or Managers.
任何政府當局，為防止或減輕因承保風險造成被保險船舶損壞引起的污染，所采取的行動。但此種損失原因應不是由于被保險人、船東或管理人未克盡職責所致的。
2. All Risks Cover一切險
This insurance covers total loss of or partial loss of or damage to the insured vessel arising from the causes under the Total Loss Cover and also covers the undermentioned liability or expense:
本保險承保上述原因所造成被保險船舶的全損和部分損失以及下列責任和費用：
(1) Collision Liabilities.碰撞責任
1) This insurance covers legal liabilities of the Insured as a consequence of the insured vessel coming into collision or contact with any other vessel, or any object, fixed, floating or otherwise.
本保險負責因被保險船舶與其他船舶碰撞或觸碰任何固定的、浮動的物體或其他物體而引起被保險人應負的法律賠償責任。
However this clause does not cover any liabilities in respect of:但本條對下列責任概不負責：
a. loss of life, personal injury or illness;人身傷亡或疾�。华�
b. cargo or other property on, or engagements of, the insured vessel;
被保險船舶所載的貨物或財物或其所承諾的責任；
c. removal or disposal of obstructions, wrecks, cargoes or any other thing whatsoever;
.清除障礙物、殘骸、貨物或任何其他物品；
d. pollution or contamination of any property or thing whatsoever (including cost of preventive measures and clean-up operations) except pollution or contamination of the other vessel with which the insured vessel is in collision or property on such other vessel;
任何財產或物體的污染或沾污(包括預防措施或清除的費用)，但與被保險船舶發(fā)生碰撞的他船或其所載財產的污染或沾污不在此限；
e. indirect expenses arising from delay to or loss of use of any object, fixed, floating or otherwise.任何固定的、浮動的物體以及其他物體的延遲或喪失使用的間接費用。
2) Where the insured vessel is in collision with another vessel and both vessels are to blame, then unless the liability of one or both vessels becomes limited by law, the indemnity under this clause shall be calculated on the principle of cross-liabilities. This principle also applies when the insured vessel comes into contact with an object.
當被保險船舶與其他船舶碰撞雙方均有過失時，除一方或雙方船東責任受法律限制外，本條項下的賠償應按交叉責任的原則計算。當被保險船舶碰撞物體時，亦適用此原則。
3) The Insurer's liability (including legal costs) under this clause shall be in addition to his liability under the other provisions of this insurance, but shall not exceed the insured amount of the vessel hereby insured in respect of each separate occurrence.
本條項下保險人的責任(包括法律費用)是本保險其他條款項下責任的增加部分，但對每次碰撞所負的責任不得超過船舶的保險金額。
(2) General Average and Salvage共同海損和救助
1) This insurance covers the insured vessel's proportion of general average, salvage or salvage charges, but in case of general average sacrifice of the vessel, the Insured may recover fully for such loss without first obtaining contributions from other parties.
保險負責賠償被保險船舶的共同海損、救助、救助費用的分攤部分。被保險船舶若發(fā)生共同海損犧牲，被保險人可獲得對這種損失的全部賠償，而無須先行使向其他各方索取分攤額的權利。
2) General average shall be adjusted in accordance with the relative contract and/or governing law and practice. However, where the contract of affreightment or carriage does not so provide, the adjustment shall be according to the Beijing Adjustment Rules or similar provisions of other rules.
共同海損的理算應按有關合同規(guī)定或適用的法律或慣例理算，如運輸合同無此規(guī)定，應按《北京理算規(guī)則》或其他類似規(guī)則規(guī)定辦理。
3) Where all the contributing interests are owned by the Insured, or when the insured vessel sails in ballast and there are no other contributing interests, the provisions of the Beijing Adjustment Rules (excluding Article 5), or similar provisions of other rules if expressly agreed, shall apply as if the interests were owned by different persons. The voyage for this purpose shall be deemed to continue from the port or place of departure until the arrival of the vessel at the first port or place of call thereafter other than a port or place of refuge or a port or place of call for bunkering only. If at any such intermediate port or place there is an abandonment of the adventure originally contemplated the voyage shall thereupon be deemed to be terminated.
當所有分攤方均為被保險人或當被保險船舶空載航行并無其他分攤利益方時，共損理算應按《北京理算規(guī)則》(第5條除外)或明文同意的類似規(guī)則辦理，如同各分攤方不屬同一人一樣。該航程應自起運港或起運地至保險船舶抵達除避難港或加油港外的第一個港口為止，若在上述中途港放棄原定航次，則該航次即行終止。
(3) Sue and Labour施 救
1) Where there is loss or damage to the vessel from a peril insured against or where the vessel is in immediate danger from such a peril, and as a result reasonable expenditure is incurred by the Insured in order to avert or minimize a loss which would be recoverable under this insurance, the Insurer will be liable for the expenses so incurred by the Insured. This clause shall not apply to general average, salvage or salvage charges or to expenditure otherwise provided for in this insurance.
由于承保風險造成船舶損失或船舶處于危險之中，被保險人為防止或減少根據(jù)本保險可以得到賠償?shù)膿p失而付出的合理費用，保險人應予以賠付。本條不適用于共同海損、救助或救助費用，也不適用于本保險中另有規(guī)定的開支。
2) The Insurer's liability under this clause is in addition to his liability under the other provisions of this insurance, but shall not exceed an amount equal to the sum insured in respect of the vessel.本條項下保險人的賠償責任是在本保險其他條款的賠償責任以外，但不得超過船舶的保險金額。
Ⅱ. Exclusions除外責任
This insurance does not cover loss, damage, liability or expense caused by:
本保險不負責下列原因所致的損失、責任或費用：
1. unseaworthiness including not being properly mannered, equipped or loaded, provided that the Insured knew, or should have known, of such unseaworthiness when the vessel was sent to sea.
不適航，包括人員配備不當、裝備或裝載不妥，但以被保險人在船舶開航時，知道或應該知道此種不適航為限；
2. negligence or intentional act of the Insured and his representative.
被保險人及其代表的疏忽或故意行為；
3. ordinary wear and tear, corrosion, rottenness or insufficient upkeep, or defect in material which the Insured should have discovered with due diligence, or replacement of or repair to any part in unsound condition as mentioned above.
被保險人克盡職責應予發(fā)現(xiàn)的正常磨損、銹蝕、腐爛或保養(yǎng)不周，或材料缺陷包括不良狀態(tài)部件的更換或修理；
4. risks covered and excluded in the Hull War and Strikes Clauses of this Company.
本公司戰(zhàn)爭和罷工險條款承保和除外的責任范圍。
Ⅲ. Deductible免賠額
1. Partial loss caused by a peril insured against be payable subject to the deductible stipulated in the policy for each separate accident or occurrence (excluding claims under collision liability, salvage and general average, and sue and labour).
承保風險所致的部分損失賠償，每次事故要扣除保險單規(guī)定的免賠額（不包括碰撞責任、救助、共損、施救的索賠）。
2. Claims for damage by heavy weather occurring during a single sea passage between two successive ports shall be treated as being due to one accident.This clause shall not apply to a claim for total loss of the vessel, and the reasonable expense of sighting the bottom after grounding, if incurred specially for that purpose.
惡劣氣候造成兩個連續(xù)港口之間單獨航程的損失索賠應視為一次意外事故。
本條不適用于船舶的全損索賠以及船舶擱淺后專為檢驗船底引起的合理費用。
Ⅳ. Shipping海 運
Unless previously approved by the Insurer and any amended terms of cover and additional premium required have been agreed, this insurance does not cover loss, damage, liability and expense caused under the following circumstances:
除非事先征得保險人的同意并接受修改后的承保條件和所需加付的保費，否則，本保險對下列情況所造成的損失和責任均不負責：
1. towage or salvage service undertaken by the insured vessel;
被保險船舶從事拖帶或救助服務；
2. cargo loading or discharging operation at sea from or into another vessel (not being a harbour inshore craft) including whilst approaching, lying alongside and leaving;
被保險船舶與他船（非港口或沿海使用的小船）在海上直接裝卸貨物，包括駛近、靠攏和離開；
3. the insured vessel sailing with an intention of being broken up or sold for breaking up.
被保險船舶為拆船或為拆船出售的目的的航行。
Ⅴ. Period of Insurance保險期限
This insurance is classified into Time Insurance and Voyage Insurance.
本保險分定期保險和航次保險：
1. Time Insurance: The longest duration is one year, the time of commencement and termination being subject to the stipulation in the policy. Should the insured vessel at the expiration of this insurance be at sea or in distress or at a port of refuge or of call, she shall provided previous notice be given to the Insurer, be held covered to her port of destination with the payment of an additional pro rata daily premium. However, in case of a total loss of the vessel during such period of extension, an additional six months premium shall be paid to the Insurer.
定期保險：期限最長一年。起止時間以保險單上注明的日期為準。保險到期時，如被保險船舶尚在航行中或處于危險中或在避難港或中途港�？�，經(jīng)被保險人事先通知保險人并按日比例加付保險費后，本保險繼續(xù)負責到船舶抵達目的港為止。保險船舶在延長時間內發(fā)生全損，需加交六個月保險費。
2. Voyage Insurance: to be subject to the voyage stipulated in the policy. The time of commencement and termination to be dealt with according to the following provisions:
航次保險：按保單訂明的航次為準。起止時間按下列規(guī)定辦理：
(1) With no cargo on board: to commence from the time of unmooring or weighing anchor at the port of sailing until the completion of casting anchor or mooring at the port of destination.
不載貨船舶：自起運港解纜或起錨時開始至目的港拋錨或系纜完畢時終止。
(2) With cargo on board: to commence from the time of loading at the port of sailing until the completion of discharge at the port of destination, but in no case shall a period of thirty days be exceeded counting from midnight of the day of arrival of the vessel at the port of destination.
.載貨船舶：自起運港裝貨時開始到目的港卸貨完畢時終止。但自船舶抵達目的港當日午夜零點起最多不得超過三十天。
Ⅵ. Termination保險終止
1. This insurance shall terminate automatically in the event of payment for total loss of the insured vessel.
一旦被保險船舶按全損賠付后，本保險應自動終止。
2. Unless previously agreed by the Insured in writing, this insurance shall terminate automatically at the time of any change of the Classification Society of the insured vessel, change of, cancellation or withdrawal of her class therein, change in the ownership or flag, assignment or transfer to new management, charter on a bareboat basis, requisition for title or use of the vessel, provided that, if the vessel has cargo on board or is at sea, such termination shall, if required, be deferred until arrival at her next port or final port of discharge or destination.
當船舶的船級社變更、或船舶等級變動、注銷或撤回、或船舶所有權或船旗改變、或轉讓給新的管理部門、或光船出租或被征購或被征用，除非事先書面征得保險人的同意，本保險應自動終止。但船舶有貨載或正在海上時，經(jīng)要求，可延遲到船舶抵達下一個港口或最后卸貨港或目的港。
3. In case of any breach of warranty as to cargo, voyage, trading limit, towage, salvage services or date of sailing, this insurance shall terminate automatically unless notice be given to the Insurer immediately after receipt of advice and any additional premium required be agreed.
當貨物、航程、航行區(qū)域、拖帶、救助工作或開航日期方面有違背保險單條款規(guī)定時，被保險人在接到消息后，應立即通知保險人并同意接受修改后的承保條件及所需加付的保險費，本保險仍繼續(xù)有效，否則，本保險應自動終止。
Ⅶ. Premium and Returns保費和退費
1. Time Insurance: Full premium shall be due and payable on attachment, and if agreed by the Insurer payment may be made by installments, but in the event of total loss of the insured vessel, any unpaid premium shall be immediately due and payable. Premium is returnable as follows:
定期保險：全部保費應在承保時付清。如保險人同意，保費也可分期交付，但被保險船舶在承保期限內發(fā)生全損時，未交付的保費要立即付清。
本保險在下列情況下可以辦理退費：
(1) If this insurance is cancelled or terminated, premium shall be returned pro rata daily net for the uncommenced days, but this clause shall not be applicable to clause VI 3.
被保險船舶退�；虮ｋU終止時，保險費應自保險終止時，可按凈保費的日比例計算退還給被保險人。但本款不適用第六條（三）款。
(2) where the insured vessel is laid up in a port or a lay-up area approved by the Insurer for a period exceeding thirty consecutive days irrespective of whether she is under repairs in dock or shipyard, loading or discharging, 50% (fifty percent) of net premium for such period shall be returned pro rata daily, but in no case shall such return of premium be recoverable in the event of total loss of the vessel.
In the event of any return recoverable under this clause being based on thirty consecutive days which fall on successive insurance effected for the same Insured, such return of premium shall be calculated pro rata separately for the number of days covered by each insurance.
被保險船舶無論是否在船廠修理或裝卸貨物，在保險人同意的港口或區(qū)域內停泊超過三十天時，停泊期間的保費按凈保費的日比例的50%計算，但本款不適用船舶發(fā)生全損。如果本款超過三十天的停泊期分屬兩張同一保險人的連續(xù)保單，停泊退費應按兩張保單所承保的天數(shù)分別計算。
2. Voyage Insurance: 航次保險：
In no case shall voyage insurance be cancelable and the premium thereof be returnable once it commences.
自保險責任開始一律不辦理退保和退費。
Ⅷ. Duty of Insured被保險人義務
1. Immediately upon receipt of advice of any accident or loss to the insured vessel, it is the duty of the Insured to give notice to the Insurer within 48 hours, and if the vessel is abroad, to the Insurer's nearest agent immediately, and to take all reasonable measures for the purpose of averting or minimizing a loss which would be recoverable under this insurance.
被保險人一經(jīng)獲悉被保險船舶發(fā)生事故或遭受損失，應在四十八小時內通知保險人，如船在國外，還應立即通知距離最近的保險代理人，并采取一切合理措施避免或減少本保險承保的損失。
2. Measures taken by the Insured or the Insurer with the object of averting or minimizing a loss which would be recoverable under this insurance shall not be considered as waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
被保險人或保險人為避免或減少本保險承保的損失而采取措施，不應視為對委付的放棄或接受、或對雙方任何其他權利的損害。
3. The Insured shall obtain prior agreement of the Insurer in determining the liabilities and expenses in respect of the insured vessel.
被保險人與有關方面確定被保險船舶應負的責任和費用時，應事先征得本公司的同意。
4. In submitting a claim for loss, the Insured shall transfer to the Insurer all necessary documents and assist him in pursuing recovery against the third party in case of third party liabilities or expenses being involved.
被保險人要求賠償損失時，如涉及第三者責任或費用，被保險人應將必要的證件移交給保險人，并協(xié)助保險人向第三方追償。
Ⅸ. Tender招標
1. Where the insured vessel is damaged and repairs are required, the Insured shall take such tenders as a diligent uninsured owner would take to obtain the most favourable offer for the repairs of the damaged vessel.
當被保險船舶受損并要進行修理時，被保險人要像一個精打細算未投保的船東，對受損船的修理進行招標以接受最有利的報價。
2. The Insurer may also take tenders or may require further tenders to be taken for the repair of the vessel. Where such a tender is accepted with the approval of the Insurer and allowance in respect of fuel and stores and wages and maintenance of the master and crew shall be made for the time lost between the despatch of the invitations to tender required by the Insurer and the acceptance of a tender, but the maximum allowance shall not exceed the rate of 30% per annum on the insured value of the vessel.
保險人也可對船舶的修理進行招標或要求再次招標，此類投標經(jīng)保險人同意而被接受時，保險人補償被保險人按保險人要求而發(fā)出招標通知日起至接受投標時止所支付的燃料、物料及船長、船員的工資和給養(yǎng)。但此種賠償不得超過船舶當年保險價值的30%。
3. The Insured may decide the place of repair of the damaged vessel, however, if the Insured in taking such decisions does not act as a diligent uninsured owner, then the Insurer shall have a right of veto concerning the place of repair or a repairing firm decided by the owner or deduct any increased costs resulting therefrom from the indemnity.
被保險人可以決定受損船舶的修理地點，如被保險人未象一個精打細算未投保的船東那樣行事，保險人有權對船東決定的修理地點或修理廠商行使否決權或從賠款中扣除由此而增加的任何費用。
Ⅹ. Claim and Indemnity索賠和賠償
1. In case of accident or loss insured against, no claim shall be recoverable should the Insured fail to submit claim document to the Insurer within two years following the accident or loss.
被保險事故或損失發(fā)生后，被保險人在兩年內未向保險人提供有關索賠單證時，本保險不予賠償。
2. Total Loss全損
(1) Where the insured vessels is completely destroyed or so seriously damaged as to cease to be a thing of the kind insured or where the Insured is inevitably deprived of the vessel, it may be deemed an actual total loss, and the full insured amount shall be indemnified.
被保險船舶發(fā)生完全毀損或者嚴重損壞不能恢復原狀，或者被保險人不可避免地喪失該船舶，作為實際全損，按保險金額賠償。
(2) Where no news is received of the whereabouts of the insured vessel over a period of two months after the date on which she is expected to arrive at the port of destination, it shall be deemed an actual total loss and the full insured amount shall be indemnified.
被保險船舶在預計到達目的港日期，超過兩個月尚未得到它的行蹤消息視為實際全損，按保險金額賠償。
(3) Where an actual total loss of the insured vessel appears to be unavoidable or the cost of recovery, repair and/or salvage or the aggregate thereof will exceed the insured value of the vessel, it may be deemed a constructive total loss and the full insured amount shall be indemnified after notice of abandonment of the vessel is given to the Insurer irrespective of whether the Insurer accepts the abandonment. Once the Insurer accepts the abandonment, the subject matter insured belongs to the Insurer.
當被保險船舶實際全損似已不能避免，或者恢復、修理、救助的費用或者這些費用的總和超過保險價值時，在向保險人發(fā)出委付通知后，可視為推定全損，不論保險人是否接受委付，按保險金額賠償。如保險人接受了委付，本保險標的屬保險人所有。
3. Partial Loss部分損失
(1) Claims under this insurance shall be payable without deduction, new for old.
.對本保險項下海損的索賠，以新?lián)Q舊均不扣減。
(2) In no case shall a claim be admitted in respect of scraping, derusting or painting of the vessel's bottom unless directly related to repairs of plating damaged by an insured peril.
保險人對船底的除銹、或噴漆的索賠不予負責，除非與海損修理直接有關。
(3) Where repairs for owner's account necessary to make the vessel seaworthy and/or a routine drydocking are carried out concurrently with repairs covered by this insurance, then the cost of entering and leaving dock and the dock dues for the time spent in dock shall be divided equally.
Where it is necessary to place the vessel in drydock for repair of the damage covered by this insurance, the Insurer's liability for the cost of docking shall not be reduced, should the Insured have surveys or other work carried out while the vessel is in dock provided the time for the work for the Insured's account is not prolonged in dock or the cost of docking is not in any way increased.
船東為使船舶適航做必要的修理或通常進入干船塢時，被保險船舶也需就所承保的損壞進塢修理，進出船塢和船塢的使用時間費用應平均分攤。
如船舶僅為本保險所承保的損壞必須進塢修理時，被保險人于船舶在塢期間進行檢驗或其他修理工作，只要被保險人的修理工作不曾延長被保險船舶在塢時間或增加任何其他船塢的使用費用，保險人不得扣減其應支付的船塢使用費用。
4. In no case shall any sum be allowed under this insurance either by way of remuneration of the Insured for time and trouble taken to obtain and supply information or documents or in respect of the commission or charges of any manager, agent, managing or agency company or the like, appointed by or on behalf of the Insured to perform such services, unless prior agreement has been obtained.
被保險人為獲取和提供資料和文件所花費的時間和勞務，以及被保險人委派或以其名義行事的任何經(jīng)理、代理人、管理或代理公司等的傭金或費用，本保險均不給予補償，除非經(jīng)保險人同意。
5. Where the insured amount is less than the agreed value or the contributory value in respect of general average or salvage, then the Insurer is only liable to pay that proportion of any loss or expense covered by this insurance that the amount insured bears to the agreed or contributory value.
凡保險金額低于約定價值或低于共同海損或救助費用的分攤金額時，保險人對本保險承保損失和費用的賠償，按保險金額在約定價值或分攤金額所占的比例計算。
6. Where the insured vessel comes into collision with or receives salvage services from another vessel owned by the Insured or under the same management, the Insurer shall be liable under this insurance as if the other vessel were owned by a third party.
被保險船舶與同一船東所有，或由同一管理機構經(jīng)營的船舶之間發(fā)生碰撞或接受救助，應視為第三方船舶一樣，本保險予以負責。
Ⅺ. Treatment of Disputes爭議的處理
Should disputes arise between the Insured and Insurer and it is necessary to submit to arbitration or take legal action, such arbitration or legal action shall be carried out at the place where the defendant is domiciled.
被保險人與保險人之間所發(fā)生的一切爭議，需要仲裁或訴訟時，仲裁或訴訟的地點在被告方所在地。
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