以下附加险条款适用于所有2009版本的货运险主险条款：
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突或海盗行为所致的损失。
(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。
(三)各种常规武器，包括水雷、鱼雷、炸弹所致的损失。
(四)本条款责任范围引起的共同海损的牺牲、分摊和救助费用。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者、或其他武装集团的扣押、拘留
以下附加险条款适用于所有2009版本的货运险主险条款：
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突或海盗行为所致的损失。
(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。
(三)各种常规武器，包括水雷、鱼雷、炸弹所致的损失。
(四)本条款责任范围引起的共同海损的牺牲、分摊和救助费用。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者、或其他武装集团的扣押、拘留引起的承保航程的丧失和挫折而提出的任何索赔。
三、责任起讫
(一)本保险责任自被保险货物装上保险单所载起运港的海轮或驳船时开始，到卸离保险单所载明的目的港的海轮或驳船时为止。如果被保险货物不卸离海轮或驳船，本保险责任最长期限以海轮到达目的港的当日午夜起算满十五天为限，海轮到达上述目的港是指海轮在该港区内一个泊位或地点抛锚、停泊或系缆，如果没有这种泊位或地点，则指海轮在原卸货港或地点或附近第一次抛锚、停泊或系缆。
(二)如在中途港转船，不论货物在当地卸载与否，保险责任以海轮到达该港或卸货地点的当日午夜起算满十五天为止，俟再装上续运海轮时恢复有效。
(三)如运输契约在保险单所载明目的地以外的地点终止时，该地即视为本保险目的地，仍照前述第（一）款的规定终止责任，如需运往原目的地或其他目的地时，在被保险人于续运前通知保险人并加交保险费的情况下，可自装上续运的海轮时重新有效。
(四)如运输发生绕道，改变航程或承运人运用运输契约赋予的权限所作的任何航海上的改变，在被保险人及时将获知情况通知保险人，在必要时加交保险费的情况下，本保险仍继续有效。
注：本条款系海洋运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
陆上运输货物战争险条款
（火车）
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突所致的损失。
(二)各种常规武器，包括地雷、炸弹所致的损失。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者或其他武装集团的扣押、拘留引起的承保运程的丧失和挫折而提出的任何索赔要求。
三、责任起讫
(一)本保险责任自被保险货物装上保险单所载起运地的火车时开始到卸离保险单所载目的地的火车时为止。如果被保险货物不卸离火车，本保险责任最长期限以火车到达目的地的当日午夜起算满四十八小时为止。
(二)如在运输中途转车，不论货物在当地卸载与否，保险责任以火车到达该中途站的当日午夜起算满十天为止，如货物在上述期限内重新装车续运，本保险恢复有效。
(三)如运送契约在保险单所载目的地以外的地点终止时，该地即视为本保险目的地，仍照前述第（一）款的规定终止责任。
注：本条款系陆上运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
航空运输货物战争险条款
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突所致的损失。
(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。
(三)各种常规武器，包括炸弹所致的损失。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者或其他武装集团的扣押、拘留引起的承保航程的丧失和挫折而提出的任何索赔。
三、责任起讫
本保险责任自被保险货物装上保险单所载起运地的飞机时开始，到卸离保险单所载目的地的飞机为止。如果被保险货物不卸离飞机，本保险责任最长期限以飞机到达目的地的当日午夜起算满十五天为止。如被保险货物在中途港转运，保险责任以飞机到达转运地的当日午夜起算满十五天为止，俟装上续运的飞机时再恢复有效。
注：本条款系航空运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
邮包战争险条款
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突或海盗行为所致的损失。
(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。
(三)各种常规武器，包括水雷、鱼雷、炸弹所致的损失。
(四)本条款责任范围引起的共同海损的牺牲、分摊和救助费用。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者或其他武装集团的扣押、拘留引起的承保航程的丧失和挫折而提出的任何索赔。
三、责任起讫
本保险责任自被保险邮包经邮局收讫后自储存处所开始运送时生效，直至该项邮包运达本保险单所载目的地邮局送交收件人为止。
注：本条款系邮包保险条款（2009版）的（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
货物运输罢工险条款
（2009版）
一、责任范围
在保险单注明承保罢工险时，本保险对被保险货物由于罢工者，被迫停工工人或参加工潮、暴动、民众斗争的人员的行动，或任何人的恶意行为所造成的直接损失和上述行动或行为所引起的共同海损的牺牲、分摊和救助费用负赔偿责任。
二、除外责任
本保险对下列各项，不负赔偿责任：
在罢工期间由于劳动力短缺或不能履行正常职责所致的保险货物的损失，包括因此而引起的动力或燃料缺乏使冷藏机停止工作所致的冷藏货物的损失。
注：本条款系各种货物运输保险条款（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
偷窃、提货不着险条款
（2009版）
本保险对被保险货物遭受下列损失，按保险价值负责赔偿：
1、偷窃行为所致的损失；
2、整件提货不着；
3、根据运输契约规定船东和其他责任方免除赔偿的部分；
被保险人必须及时提货，遇有第1项所列的损失，必须在提货后十日内申请检验；遇有第2项损失，必须向责任方取得整件提货不着的证明，否则，保险人不负赔偿责任。
保险人有权收回被保险人向船东或其他有关责任方面追偿到的任何赔款，但其金额以不超过保险人支付的赔款为限。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
淡水、雨淋险条款
（2009版）
本保险对被保险货物因直接遭受雨淋或淡水所致的损失负责赔偿，但包装外部应有雨水或淡水痕迹或有其他适当的证明。被保险人必须及时提货，并在提货后十天内申请检验，否则，保险人不负赔偿责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
短量险条款
（2009版）
本保险对被保险货物在运输过程中，因外包装破裂或散装货物发生数量散失和实际重量短缺的损失负责赔偿，但正常的途耗除外。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
混杂、沾污险条款
（2009版）
本保险对被保险货物在运输过程中，因混杂、沾污所致的损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
渗漏险条款
（2009版）
本保险对被保险货物在运输过程中，因容器损坏而引起的渗漏损失，或用液体储藏的货物因液体的渗漏而引起的货物腐败等损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
碰损、破碎险条款
（2009版）
本保险对被保险货物在运输过程中因震动、碰撞、受压造成的破碎和碰撞损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
串味险条款
（2009版）
本保险对被保险食物、中药材、化妆品原料等货物在运输过程中，因受其他物品的影响而引起的串味损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
受潮受热险条款
（2009版）
本保险对被保险货物在运输过程中因气温突然变化或由于船上通风设备失灵致使船舱内水气凝结、发潮或发热所造成的损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
钩损险条款
（2009版）
本保险对被保险货物在装卸过程中因遭受钩损而引起的损失，以及对包装进行修补或调换所支付的费用，均负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
包装破裂险条款
（2009版）
本保险对被保险货物，在运输过程中因搬运或装卸不慎，包装破裂所造成的损失，以及为继续运输安全所需要对包装进行修补或调换所支付的费用，均负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
锈损险条款
（2009版）
本保险对被保险货物在运输过程中发生的锈损，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
进口集装箱货物运输保险特别条款
（2009版）
1、进口集装箱货物运输保险责任按原运输保险单责任范围负责，但保险责任至原保险单载明的目的港收货人仓库终止。
2、集装箱货物运抵目的港，原箱未经启封而转运内地的，其保险责任至转运目的地收货人仓库终止。
3、如集装箱货物运抵目的港或目的港集装箱转运站，一经启封开箱，全部或部分箱内货物仍需继续转运内地时，被保险人或其代理人必须征得保险人同意，按原保险条件和保险金额办理加批加费手续后，保险责任可至转运单上标明的目的地收货人仓库终止。
4、集装箱在目的港转运站，收货人仓库或经转运至目的地收货人仓库，被发现箱体有明显损坏或铅封被损坏或灭失，或铅封号码与提单、发票所列的号码不符时，被保险人或其代理人或收货人应保留现场，保存原铅封，并立即通知保险人进行联合检验。
5、凡集装箱箱体无明显损坏，铅封完整，经启封开箱后，发现内装货物数量规格等与合同规定不符，或因积载或配载不当所致的残损不属保险责任。
6、进口集装箱货物残损或短缺涉及承运人或第三者责任的，被保险人有义务先向有关承运人或第三者取证，进行索偿和保留追索权。
7、装运货物的集装箱必须具有合格的检验证书，如因集装箱不适货而造成的货物残损或短少不属保险责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的货运险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
海运进口货物国内转运期间保险责任扩展条款
（2009版）
一、保险人同意将"海洋运输货物保险条款"规定的保险责任期限扩展如下：
保险货物运至海运提单载明的我国卸货港后，如需转运至国内其他地区，保险人按"海洋运输货物保险条款"规定的保险险别（战争险除外），继续负责转运期间的保险责任，直至所保货物运至卸货港货物转运单据上载明的国内最后目的地
（一）经收货单位提货后运抵其仓库时终止，或
（二）自货物进入承运人仓库或堆场当日零时起算满三十天终止。
以上（一）、（二）两项，以首先发生的一项为准。卸货港等待转运期间的保险责任，以货物全部卸离海轮当日零时起算满六十天终止。如货物不能在六十天内转运，收货或接货单位可在六十天满期前开列不能转运的货物清单，申请展延保险期间。保险人可根据具体情况决定是否同意展延和确定展延的日期。如同意展延，展延期限最长不能超过六十天。在期限届满一百二十天之后，如仍要求继续展延，经保险人同意后，每三十天为一期按保险人规定加费。转运货物在卸货港存放满六十天或经展延保险期间届满而未继续办理保险责任展延申请的，收货或接货单位应即在港口进行检验。如发现货物有短缺或残损，应在保险责任终止之日起十天内通知本公司港口机构进行联合检验。保险人仅对在港口检验确定的货物损失负保险责任。
二、保险人对所有散装货物（如散装油类、粮、糖、矿石、矿砂、废钢铁、废轮胎等）以及化肥，古巴糖，活牲畜，新鲜果菜所负的保险责任，一律按"海洋运输货物保险条款"的规定在卸货港终止，不负责国内转运期间的保险责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
进口关税条款
（2009版）
如被保险货物到达目的港后，因遭受本保险单责任范围以内的损失，而被保险人仍须按完好货物完税时，保险人对该项货物损失部分的进口关税负赔偿责任，但以不超过受损部分的保险价值 为限。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
舱面货物条款
（2009版）
本保险对被保险货物存放舱面时，除按本保险单所载条款负责外，还包括被抛弃或风浪冲击落水在内。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
拒收险条款
（2009版）
一、保险人对被保险货物由于在进口港被进口国的政府或有关当局拒绝进口或没收予以负责，并按照被拒绝进口或没收货物的保险价值赔偿。
二、在被保险货物起运后，进口国宣布实行任何禁运或禁止，保险人仅负责赔偿运回到出口国或转口到其他目的地因而增加的运费。但最多不得超过该批货物的保险价值。
三、本保险的终止，自被保险货物卸离海轮存入卸货港的仓库时为止。或者
(一)被保险货物在目的港卸离海轮满二十天终止；
(二)被保险货物已被进口国的政府或有关当局允许进口时为止。
以首先发生者为准。
四、被保险人保证：
(一)被保险货物的生产、质量、包装和商品检验必须符合产地国和进口国的有关规定。
(二)被保险货物备有一切必需的有效的进口特许证或许可证。
五、保险人对下列原因引起的任何损失，不负赔偿责任：
(一)违反上述第四条中的任何一款；
(二)市价跌落；
(三)被保险货物记载的错误、商标或标记的错误、贸易契约或其他文件发生的错误或遗漏；
(四)违反产地国政府或有关当局关于出口货物的有关规定；
(五)被保险货物在起运前，进口国已经宣布实行禁运或禁止。
六、在发生本保险承保的损失时，被保险人应立即通知保险人，并按照保险人的要求采取一切可能的措施。保险人与被保险人对被拒绝进口或没收货物采取的一切措施都不应视为接受赔偿或放弃索赔的表示。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
黄曲霉素险条款
（2009版）
本保险对被保险货物，在保险责任有效期内，在进口港或进口地经当地卫生当局检验证明，因含有黄曲霉毒素，并且超过了进口国对该毒素的限制标准，必须拒绝进口、没收或强制改变用途时，保险人按照被拒绝进口或被没收部分货物的保险价值或改变用途所造成的损失，负责赔偿。
如发生本条款项下的损失，被保险人同意，在保险人需要时应尽力处理拒绝进口或强制改变用途的货物，或申请仲裁。
本条款不负责由于其他原因所致的被有关当局拒绝进口或没收或强制改变用途的货物的损失。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款
（2009版）
一、所保货物，经运抵目的地香港（包括九龙在内）或澳门，卸离运输工具后，如直接存放于本保险单载明的过户银行所指定的仓库时，本保险单对存仓火险的责任，自运输责任终止时开始，特予继续负责，直至：
（一）、上述银行收回押款解除对货物的权益终止为止，或
（二）、自运输险责任终止时起计满三十天为止，如被保险人在期满前，用书面申请延长并交付所需的保险费后，得予继续延长。
上述（一）、（二）两项应以其中首先发生者为准。
二、如所保货物，卸离运输工具后，不存入上述第一条所载的仓库，而存入其他仓库时，则本保险单责任终止的期限，概按本保险人运输条款的规定办理。本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
易腐货物条款
（2009版）
本保险对所保货物因市场变动所致的损失或由于延迟（不论是否由于所保危险或其他原因所致）而引起的损失或腐败，概不负责。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
交货不到条款
（2009版）
本保险自货物装上船舶时开始，不论由于任何原因，如货物不能在预定抵达目的地的日期起六个月以内交讫，保险人同意按全损予以赔付，但该货物之全部权益应转移给保险人。被保险人保证已获得一切许可证。所有运输险及战争险项下应予负责的损失，概不包括在本条款责任范围之内。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
海关检验条款
（2009版）
本保险承保的偷窃、短少损失，以被保险货物到达目的地的海关内为止。如在上述地点发现损失，必须向本保险单所指定的检验、理赔代理人申请检验、确定损失。被保险货物在此以后所遭受的偷窃、短少损失，本保险不负赔偿责任。
本保险单原有的责任起讫的规定应作相应的修正。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
码头检验条款
（2009版）
本保险承保的偷窃、短少损失，以被保险货物到达最后卸货港卸至码头货棚时为止。如在上述地点发现损失，必须向本保险单所指定的检验、理赔代理人申请检验，确定损失。
被保险货物在此以后所遭受的偷窃、短少的损失，本保险不负赔偿责任。
本保险单原有的责任起讫的规定应作相应的修正。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
卖方利益保险条款
（2009版）
本保险系卖方利益保险，负责赔偿货物在遭受本保险单载明承保险别的条款责任范围内的卖方损失。但本保险仅在买方不支付该项受损货物部分的损失时才予赔偿。被保险人应将其向买方或第三者的权利转移给保险人。
如对本保险单项下的任何利益或赔款转让，保险人即解除其全部责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
放弃代位追偿权条款
兹经双方同意并约定，保险人同意放弃对本保单项下列明的被保险人、子公司、联营公司、公司董事、公司官员及公司雇员的追偿。
对于本保险单项下的损失，如涉及向上述企业或人员之外的第三者责任方追偿，不管追偿行为发生在保险人赔付给被保险人之前或之后，被保险人都应按照保险人的要求积极配合保险人向责任方追回损失，费用由保险人承担。
WAIVER OF SUBROGATION CLAUSE
The insurer waives all rights of subrogation against each insured hereunder and their respective subsidiaries, affiliates, directors, officers and employees.
Notwithstanding the foregoing, the insured shall at the expense of the insurer do and concur in doing and permit to be done all such acts and things as may be necessary or required by the insurer in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the insurer shall be or would become entitled or subrogated upon their paying for or making good any loss or damage under this Policy. Whether such acts and things shall be or become necessary or required before or after the insured’s indemnification by the insurer.
INSTITUTE WAR CLAUSES (CARGO)
RISKS COVERED
1. - Risks Clause
1 This insurance covers, except as provided in Clauses 3 and 4 below, loss of or damage to the subject-matter insured caused by
1.1 war civil war revolution insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power
1.2 capture seizure arrest restraint or detainment, arising from risks covered under 1.1 above, and the consequences thereof or any attempt thereat
1.3 derelict mines torpedoes bombs or other derelict weapons of war.
2. - General Average Clause
2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from a risk covered under these clauses.
EXCLUSIONS
3. - General Exclusions Clause
3 In no case shall this insurance cover
3.1 loss damage or expense attributable to wilful misconduct of the Assured
3.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured
3.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 3.3 "packing" shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)
3.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured
3.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)
3.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel
3.7 any claim based upon loss of or frustration of the voyage or adventure
3.8 loss damage or expense arising from any hostile use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
4. - Unseaworthiness and Unfitness Exclusion Clause
4.1 In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein,
4.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.
DURATION
5. - Transit Clause
5.1 This insurance
5.1.1 attaches only as the subject-matter insured and as to any part as that part is loaded on an oversea vessel and
5.1.2 terminates, subject to 5.2 and 5.3 below, either as the subject-matter insured and as to any part as that part is discharged from an oversea vessel at the final port or place of discharge, or on expiry of 15 days counting from midnight of the day of arrival of the vessel at the final port or place of discharge, whichever shall first occur; nevertheless, subject to prompt notice to the Underwriters and to an additional premium, such insurance
5.1.3 reattaches when, without having discharged the subject-matter insured at the final port or place of discharge, the vessel sails from, and
5.1.4 terminates, subject to 5.2 and 5.3 below, either as the subject-matter insured and as to any part as that part is thereafter discharged from the vessel at the final (or substituted) port or place of discharge, or on expiry of 15 days counting from midnight of the day of re-arrival of the vessel at the final port or place of discharge or arrival of the vessel at a substituted port or place of discharge, whichever shall first occur.
5.2 If during the insured voyage the oversea vessel arrives at an intermediate port or place to discharge the subject-matter insured for on-carriage by oversea vessel or by aircraft, or the goods are discharged from the vessel at a port or place of refuge, then, subject to 5.3 below and to an additional premium if required, this insurance continues until the expiry of 15 days counting from midnight of the day of arrival of the vessel at such port or place, but thereafter reattaches as the subject-matter insured and as to any part as that part is loaded on an on-carrying oversea vessel or aircraft. During the period of 15 days the insurance remains in force after discharge only whilst the subject-matter insured and as to any part as that part is at such port or place. If the goods are on-carried within the said period of 15 days or if the insurance reattaches as provided in this Clause 5.2
5.2.1 where the on-carriage is by oversea vessel this insurance continues subject to the terms of these clauses, or
5.2.2 where the on-carriage is by aircraft, the current Institute War Clauses (Air Cargo) (excluding sendings by Post) shall be deemed to form part of this insurance and shall apply to the on-carriage by air.
5.3 If the voyage in the contract of carriage is terminated at a port or place other than the destination agreed therein, such port or place shall be deemed the final port of discharge and such insurance terminates in accordance with 5.1.2. If the subject-matter insured is subsequently reshipped to the original or any other destination, then provided notice is given to the Underwriters before the commencement of such further transit and subject to an additional premium, such insurance reattaches
5.3.1 in the case of the subject-matter insured having been discharged, as the subject-matter insured and as to any part as that part is loaded on the on-carrying vessel for the voyage;
5.3.2 in the case of the subject-matter not having been discharged, when the vessel sails from such deemed final port of discharge; thereafter such insurance terminates in accordance with 5.1.4.
5.4 The insurance against the risks of mines and derelict torpedoes, floating or submerged, is extended whilst the subject-matter insured or any part thereof is on craft whilst in transit to or from the oversea vessel, but in no case beyond the expiry of 60 days after discharge from the oversea vessel unless otherwise specially agreed by the Underwriters.
5.5 Subject to prompt notice to Underwriters, and to an additional premium if required, this insurance shall remain in force within the provisions of these Clauses during any deviation, or any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment. (For the purpose of Clause 5 "arrival" shall be deemed to mean that the vessel is anchored, moored or otherwise secured at a berth or place within the Harbour Authority area. If such a berth or place is not available, arrival is deemed to have occurred when the vessel first anchors, moors or otherwise secures either at or off the intended port or place of discharge "oversea vessel" shall be deemed to mean a vessel carrying the subjectmatter from one port or place to another where such voyage involves a sea passage by that vessel)
6. - Change of Voyage Clause 6 Where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.
7. - Nullification 7 Anything contained in this contract which is inconsistent with Clauses 3.7,3.8 or 5 shall, to the extent of such inconsistency, be null and void.
CLAIMS
8. - Insurable Interest Clause
8.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.
8.2 Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.
9. - Increased Value Clause
9.1 If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
9.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
BENEFIT OF INSURANCE
10. - Not to Inure Clause
10 This insurance shall not inure to the benefit of the carrier or other bailee.
MINIMISING LOSSES
11. - Duty of Assured Clause
11 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
11.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
11.2 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.
12. - Waiver Clause
12 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
13. - Reasonable Despatch Clause
13 It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
14. - English Law and Practice Clause
14 This insurance is subject to English law and practice.
INSTITUTE CARGO-STRIKES CLAUSES
RISKS COVERED
1. - Risks Clause
1 This insurance covers, except as provided in Clauses 3 and 4 below, loss of or damage to the subject-matter insured caused by
1.1 strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions
1.2 any terrorist or any person acting from a political motive.
2. - General Average Clause
2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from a risk covered under these clauses.
EXCLUSIONS
3. - General Exclusions Clause
3 In no case shall this insurance cover
3.1 loss damage or expense attributable to wilful misconduct of the Assured
3.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured
3.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 3.3 "packing" shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)
3.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured
3.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)
3.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel
3.7 loss damage or expense arising from the absence shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot or civil commotion
3.8 any claim based upon loss of or frustration of the voyage or adventure
3.9 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
3.10 loss damage or expense caused by war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.
4. - Unseaworthiness and Unfitness Exclusion Clause
4.1 In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.
4.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.
DURATION
5. - Transit Clause
5.1 This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either,
5.1.1 on delivery to the Consignees' or other final warehouse or place of storage at the destination named herein,
5.1.2 on delivery, to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either
5.1.2.1 for storage other than in the ordinary course of transit or
5.1.2.2 for allocation or distribution, or
5.1.3 on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge whichever shall first occur.
5.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.
5.3 This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 6 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment.
6. - Termination of Contract of Carriage Clause
6 If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 5 above, then this insurance shall also terminate unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters, either
6.1 until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first, occur, or
6.2 if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 5 above.
7. - Change of Voyage Clause
7 Where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.
CLAIMS
8. - Insurable Interest Clause
8.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.
8.2 Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.
9. - Increased Value Clause
9.1 If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
9.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
BENEFIT OF INSURANCE
10. - Not to Inure Clause
10 This insurance shall not inure to the benefit of the carrier or other bailee.
MINIMISING LOSSES
11. - Duty of Assured Clause
11 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
11.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
11.2 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.
12. - Waiver Clause
12 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
13. - Reasonable Despatch Clause
13 It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
14. - English Law and Practice Clause
14 This insurance is subject to English law and practice.
IT CLARIFICATION CLAUSE
Property damage covered under this Insurance shall mean physical damage to the substance of property.
Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure.
Consequently the following are excluded from this Insurance:
A.Loss of or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered.
B.Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting form such loss or damage.
Institute war cancellation clause (CARGO)
The cover against war risks (as defined in the relevant Institute War Clauses) may be cancelled by either the Underwriters or the Assured except in respect of any insurance which shall have attached in accordance with the conditions of the Institute War Clauses before the cancellation becomes effective. Such cancellation shall however only become effective on the expiry of 7 days from midnight of the day on which notice of the cancellation is issued by or to the Underwriters.
INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith
1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from
1.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel
1.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
1.3 any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
1.4 the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes
1.5 any chemical, biological, bio-chemical, or electromagnetic weapon.
INSTITUTE CYBER ATTACK EXCLUSION CLAUSE
Subject only to clause 1.2 below, in no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, malicious code, computer virus or process or any other electronic system.
Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive, Clause 1.1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer, computer system or computer software programme or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.
INSTITUTE CHEMICAL, BIOLOGICAL, BIO-CHEMICAL, ELECTROMAGNETIC WEAPONS AND CYBER ATTACK EXCLUSION CLAUSE
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith
1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from
1.1 any chemical, biological, bio-chemical or electromagnetic weapon
1.2 the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, computer virus or process or any other electronic system.
TERMINATION OF TRANSIT CLAUSE (TERRORISM) JC2001/056 20th November, 2001
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.
1. Notwithstanding any provision to the contrary contained in this Policy or the Clauses referred to therein, it is agreed that in so far as this Policy covers loss of or damage to the subject-matter insured caused by any terrorist or any person acting from a political motive, such cover is conditional upon the subject-matter insured being in the ordinary course of transit and, in any event, SHALL TERMINATE:
either
1.1 As per the transit clauses contained within the Policy,
or
1.2on delivery to the Consignee’s or other final warehouse or place of storage at the destination named herein,
1.3on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either for storage other than in the ordinary course of transit or for allocation or distribution,
or
1.4in respect of marine transits, on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge,
1.5in respect of air transits, on the expiry of 30 days after unloading the subject-matter insured from the aircraft at the final place of discharge,
whichever shall first occur.
2.If this Policy or the Clauses referred to therein specifically provide cover for inland or other further transits following on from storage, or termination as provided for above, cover will re-attach, and continues during the ordinary course of that transit terminating again in accordance with clause 1.
3. This clause is subject to English law and practice.
ELECTRONIC DATA EXCLUSION CLAUSE
This policy is not liable for claims arising directly or indirectly out of Electronic Data. ELECTRONIC DATA means facts, concepts and information converted to a form useable for communications, display, distribution, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programmes, software and other coded instructions for such equipment. Where 'property' or 'Property' are used in the Policy, they do not include Electronic Data.
Absolute Theft Exclusion Clause
This policy excludes absolutely loss or damage due to theft of or from any vehicle and/or trailer and/or container left loaded and unattended.
Accumulation Clause
The limits of liability expressed herein shall not apply in the event of or during transhipment of or after the arrival" of the oversea vessel or conveyance at the port or place of discharge provided always that any accumulation of interests during the ordinary course of transits beyond such limits of liability shall not have arisen from circumstances within the control of the Assured.
Should there be any other accumulation of interests beyond such limits of liability by reason of interruption of transit &lor other circumstances beyond control of the Assured, Underwriters shall, provided notice be given in all such cases as soon as known to the Assured, hold covered such excess amount and be liable for the full amount at risk but in no event shall Underwriters be liable hereunder for more than double the limits of liability expressed herein.
Airfreight Replacement Clause
In the event of loss or damage to insured goods covered hereunder, Insurers agree to pay cost of airfreighting the damaged goods to manufacturers for repair and return &/or the airfreighting of replacement goods to destination notwithstanding that the insured goods were not originally despatched by airfreight.
Alarm and Protections Clause
It is a condition precedent to the liability of the Underwriters under this insurance that:
a) the premises containing the insured property are fitted with a burglar alarm system approved by the Underwriters, and that no withdrawal, alteration or variation of the system, or any structural alteration which might affect the system, shall be made without the consent of the Under- writers.
b) the burglar alarm system and all locks and padlocks shall have been put into full and effective operation at all times when the Insured's premises are closed for business, and at all other appropriate times.
c) the burglar alarm system shall have been maintained in good order throughout the currency of this insurance under a maintenance contract with the installing company.
d) all other protections provided for the safety of the insured property shall be maintained in good order throughout the currency of this insurance and that they are in full effective operation at all appropriate times.
e) all keys and duplicate keys relative to the above alarm and protections are removed from the premises, when the premises are closed for business, and at all other appropriate times, and
f) immediate advice be given to the Underwriters of any notice of with-drawal of police or any other security force or protection.
Alarm Warranty
Warranted that the alarm system fitted to the vehicles owned by, hired by or under the control of the insured is maintained in full and working order at all times and is tested and set whenever the vehicle is left loaded and unattended.
Antiques Clause
In the event of damage to antique items and/or works of art insured hereunder, liability is restricted to the reasonable cost of repairs and no claim is recover- able in respect of depreciation. In no case shall liability hereunder for such repairs exceed the sum insured bears to the total value of the insured property.
Attachment and Termination of Cover
The Insurance hereunder attaches from the time the subject-matter becomes at the Assured's risk or the Assured assumes interest and continues during delays during transit &lor after discharge at the final port or airport irrespective of whether such delays are within or beyond the Assured's control and terminates either on;
1. Delivery to the consignee's or other final warehouse at the place where the transit covered hereunder is intended to cease.
or
2. The expiry of 60 days after completion of discharge over-side from the overseas vessel or aircraft, at the final port or airport of discharge.
whichever shall first occur .
Including risks in customs as required, and transhipment, craft and barge risks, whether customary or otherwise.
Also including loss of or damage to the subject-matter during loading prior to despatch and unloading after arrival at the Assured's or consignee's premises and, in the case of containers, during the stuffing and un-stuffing thereof.
Average Clause
This Policy is subject to the Conditions of Average, that is to say, if the property covered by this insurance shall at the time of any loss be of greater value than the sum insured hereby, the Assured shall only be entitled to receive hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said property.
Brands Clause
The Assured shall have full rights to possession of all goods bearing embossed or indented brands or labels or other permanent markings identifying the Assured as the manufacturer thereof, or exclusive &lor secret formulas that may be involved in any loss hereunder, and shall return control of all such goods.
On shipments covered under this Policy, Insurers are to pay a total loss on any and all goods &lor containers damaged by perils insured against which the Assured elects to either destroy or return to their factory, or recondition, Insurers being entitled to such salvage as may be obtained.
The Assured, exercising a reasonable discretion shall be the sole judge as to whether the goods involved in any loss hereunder are suitable for marketing and no goods deemed by the Assured to be unfit for marketing shall be sold or otherwise disposed of except by the Assured or with the Assured's consent, but the Assured shall allow Insurers any salvage obtained on any sale or other disposition of such goods.
Buyer's Contingency Clause -C I F
This policy extends to cover the Insured's Interest in all imports purchased by them on CIF or similar terms but only in respect of loss or damage to the goods as provided for under the terms and conditions of this Policy and only to the extent that the Insured is unable to recover such loss under the ins~rance effected by the seller.
Warranted the existence of this insurance not to be disclosed to the seller or other parties interested in the shipment
Warranted this insurance not to be deemed a double insurance.
It is a condition of this insurance that the Insured give immediate notice to the company of any known loss or damage to the goods insured or any circumstances known to them which may render this cover effective.
Upon settlement of any claim hereunder all the Insured's rights of recovery against the seller and any third parties will be subrogated to the Company.
Buyers Contingency Clause FOB C&F
Notwithstanding the responsibilities of the seller on interest purchased F.O.B or C&F (or any similar terms of sale whereby the seller is responsible for part or all the transit risks within the country of origin) the Assured has the right to hereby insure the interest from the interior at the place of origin as though the purchase was ex works subject to the terms and conditions of this Policy.
However the Assured only has the right to claim hereunder providing that:
a) He has suffered a pecuniary loss.
b) He has taken all reasonable steps to invoke the contract of sale and the
responsibilities thereunder and has attempted to recover from the seller &/or seller's insurers, and pecuniary loss which he has suffered by reason of loss or damage to the subject-matter from a peril insured against during the currency of the Policy.
c) He has not divulged the existence of this insurance to the seller or the seller's insurers.
If by reason of this extension, the Underwriters are called upon to pay a claim the Assured subrogates all his rights and remedies to the Underwriters who have the right to sue or proceed in any way against the seller or the seller's insurers, either in their own name or the name of the Assured.
This extension does not cover pecuniary loss by reason of Exchange Control Regulations which apply in the country of the seller or any other country on route to the port/place of loading.
Buyers Interest Contingency (Difference in Conditions) Clause
Where goods consigned to or for the Insured's account have already been insured elsewhere but on terms which are more restrictive than that which would be provided hereunder or where the Insured is unable to obtain settlement of legitimate claims under the insurance arranged elsewhere then such goods shall be covered on terms and conditions that shall apply hereunder subject to the following.
a) Disclosure of the existence of this insurance to any third party shall render it null and void.
b) The Insured has suffered a pecuniary loss.
c) This insurance is for the benefit of the Insured hereunder only and not to be treated as double insurance.
d) Upon settlement of any claim hereunder Underwriters will be subrogated to all rights and remedies of the Insured against all third parties including the Insured's suppliers and such rights will be assigned to Underwriters.
To include the transit from port or airport in the country of destination to final destination should cover under the insurance arranged elsewhere cease at said port or airport.
When required by the Insured Insurers agree to supply General Average Guarantee or refund General Average Deposits.
Cancellation Clause
This cover may be reviewed &lor cancelled by either party having given in writing 30 days notice, but 7 days in respect of War, Strikes, Riots and Civil Commotions but 48 hours for Strikes, Riots and Civil Commotions in respect of sendings to or from the USA. Notwithstanding the foregoing changes in the Institute Cargo Clauses &lor other Institute Clauses contained herein are subject to market notice of cancellation. Note. Such cancellation however shall not apply to any transit risk or risks which shall have attached at the time such cancellation becomes effective.
Claims Co-Operation Clause
Notwithstanding anything contained herein to the contrary it is a condition precedent to any liability under this policy that:
a) The reinsured shall upon knowledge of any loss(es) or occurrence(s) which may give rise to a claim recoverable hereunder advise the reinsurers thereof as soon as practicable.
b)The reinsured shall furnish the reinsurers with all information available respecting such loss(es) or occurrence(s) and shall co-operate with the reinsurers in the appointment of Adjusters, Assessors and/or Surveyors and in all negotiations, adjustments and settlements.
Clause Paramount
Notwithstanding anything contained herein to the contrary it is noted and agreed that irrespective of any Declaration/Certificate of Insurance made out to the Country , Airport or Port of Discharge and the interest Insured is actually consigned to a destination in the country concerned other than the Airport or Port of Discharge, then the insurance shall remain in force during the ordinary course of transit to that final destination as per the Duration Clause of the Institute Cargo Clauses applicable.
Climatic Conditions Clause
No claim to attach hereto for loss or damage caused by climatic and/or atmospheric conditions and/or extremes of temperature, unless such claim would be recoverable under Institute Cargo Clauses (C). No claim to attach hereto for breakage of strings, reeds and/or drumheads in respect of musical instruments.
Concealed Damages Clause
It is agreed that any loss or damage discovered on opening containers, cases &for package within sixty days of the cessation of risk hereunder shall be deemed to have occurred during the transit Insured hereunder (and irrespective of attachment of Insured's interest) and shall be paid for accordingly unless proof conclusive to the contrary be established, it being understood that any containers, cases &for packages showing visible signs of damage are to be opened immediately on the cessation of risk hereunder .
It is further agreed that subject to prompt advice to Underwriters and the payment of an Additional Premium, if required, the above mentioned period may be extended.
Condensation/Contamination Clause
Including condensation damage and damage caused by change in temperature, humidity or contamination, interruption of power, heat, airconditioning or refrigeration howsoever arising.
Containers On-Deck Clause
Containerised shipments in &lor over, cover to include jettison, washing and loss overboard at rates as for underdeck cargo. BUT conventionally packed cargo shipped on deck cover to include jettison, washing and loss overboard, at 150% of cover rate.
Contingency Conditions
1. This Open policy is extended to cover the contingent insurable interest of the unpaid seller in respect of sendings of interests described herein where the terms of the contract of sale state that the buyer has responsibility to arrange insurance prior to arrival of the overseas vessel or air- craft at the intended port or airport of destination.
2. The interests described herein are insured on policy conditions and insurers agree to grant, against this Open policy, cover retrospective to the commencement of the transit in the event of ownership and/or responsibility for the goods remaining with, or reverting to, the seller if one or more of the following contingencies occur:
i) The buyer fails or refuses to accept, or is prevented from accepting, the documents of title.
ii) The buyer fails or refuses to accept, or is prevented from accepting, the whole consignment.
iii) The seller exercises a right of lien on the goods, or interrupts their transit, or suspends the sale contract whilst the goods are in transit, when this is reasonable to safeguard his interests.
3. Warranted that the seller shall advise the insurers immediately he becomes aware of any circumstances which may give rise to the occurrence of one or more of the contingencies in Clause 2 above.
4. The seller shall take all reasonable steps to protect the cargo, to enforce the sale contract, or if this is not possible, to expedite sale of the goods to another party or their return to the seller.
5. Warranted that the existence of this insurance shall not be disclosed to the buyer or any other interested party.
6. Notwithstanding anything to the contrary contained herein the period of cover available under this section of the Open policy shall not extend beyond 60 days after completion of discharge overside of the goods from the oversea vessel at the final port of discharge or at any intermediate port where such discharge does not form a normal part of the voyage stated in the Bill of Lading except that where notice is given to insurers within the above period of 60 days extension to the cover granted may be arranged at rates and on conditions to be agreed.
7. All rights and benefits of any actions which the seller may possess or acquire against the buyer and/or the buyer's insurers, and/or carrier(sl and/or other persons are to be subrogated to the insurers.
8. This insurance to be for the benefit of the Insured hereunder only and not to be treated as double insurance.
9. Any assignment of this insurance or any interest or claim hereunder shall discharge Underwriters from all liability whatsoever.
Cutting Clause
In the event of a claim for breakage, Underwriters shall only be liable for the broken or damaged part of each pipe, and this Policy shall only pay for such broken part or parts, provided that the damage be such that it is practicable to use the sound portion or portions for the purpose which they were originally intended.
Declaration Delay, Error Or Omission Clause
The Insured shall not be prejudiced by any unintentional delay, error or omission in the declaration or reporting hereunder of the amount or description of the interest, vessel or voyage, or if the subject matter of the insurance be shipped by any other vessel/conveyance or any fact relative to this insurance, if notice be given to Underwriters when practicable after said facts become known to the Insured and a balance of premium, if any made goods.
Declaration Clause
The Assured warrant that during the currency of this Policy they will declare each and every shipment prior to the commencement of transit or inception of the risks or soon thereafter as may be practicable (on forms supplied) before a known loss all shipments to which this Policy attaches. Failure to do so declare shall at the Company's option render this Policy null and void as from the date of such failure.
Declined Goods Clause
Subject to prompt notice being given to Underwriters and payment of any Additional Premium as required:
1. This insurance is extended in respect of those sendings declared hereunder, to include goods declined by a consignee. Cover to remain in force for up to three months whilst goods are stored awaiting on-shipment to an alternative buyer &lor returned to the original consignor or other nominated destination.
2. This insurance shall also extend to include goods found to be damaged on arrival at an intermediate point or final destination, whilst stored pending sale or disposal &lor transit to an alternative buyer or returned to the original consignor or nominated destination.
Deliberate Damage (Pollution Hazard) Clause
This Policy is extended to cover, but only whilst the property insured is on board a waterborne conveyance, loss of or damage to the said property directly caused by governmental authorities acting for the public welfare to prevent or mitigate a pollution hazard or threat thereof, provided that the accident or occurrence creating the situation which required such governmental action would have resulted in a recoverable claim under the Policy (subject to all of its terms, conditions and warranties) if the property insured would have sustained physical loss or damage as a direct result of such accident or occurrence.
This Clause shall not increase the limits of liability provided for elsewhere herein.
Depreciation Clause
In the event of damage to the interest insured hereunder, liability is restricted to the reasonable cost of repairs and no claim is recoverable in respect of depreciation. In no case shall liability hereunder for such repairs exceed the
sum insured in respect of the damaged article.
Documents, Slides and Prints Clause
Liability hereunder is limited to costs necessarily incurred in replacing the insured interest lost or damaged by a peril insured against, or to the sum insured herein, whichever is the lesser amount.
Excluding faults resulting from processing.
Excluding Wear, Tear and Gradual Deterioration.
Subject to an excess of 1.00% of the total sum insured each and every loss.
Duty Clause
On increased value of cargo by reason of payment of duty at the port or place of destination.
Subject to the same clauses and conditions as the insurance on cargo and to pay the same percentage of loss (excluding charges and expenses as may be paid thereon, but excluding claims in respect of;
(a) Total loss of whole or part of the cargo prior to the duty becoming payable.
(b) General Average, salvage &lor salvage charges arising from any casualty occurring prior to the duty becoming payable.
In ascertaining the amount of claim recoverable hereunder, credit shall be given for any rebate or refund of duty which may become allowable.
Exhibition Expenses Clause
It is agreed to include loss of incurred exhibition expenses up to but not exceeding ￡2,500 each exhibit or exhibition arising from failure of the exhibitor to exhibit the insured goods due to the operation of a peril insured under the transit section of this contract or due to the abandonment of the exhibition by the exhibitor or cancellation of the exhibition by the promoter due in either case to the operation of a peril covered by the transit section of the contract. In no circumstances, however, does this contract cover:-
a. Loss of expenses arising from withdrawal of labour .
b. Cancellation of the exhibition due to an outbreak of war (whether declared or not) or through fear of hostilities.
Exhibition Risks Clause
This insurance is extended to include on cover conditions the insured property whilst in transit to and from exhibition &lor demonstration site and whilst the insured property remains on such premises during unpacking, assembly, awaiting and on exhibition, dismantling, repacking and lifting for removal from the exhibition site. Subject to a limit anyone exhibition as stated in the Policy schedule.
Including computer equipment the property of the Insured &lor their employees up to a maximum of ￡2,500 anyone exhibition.
Including loss &lor damage to employees clothing and personal effects subject to a limit of ￡250 anyone employee and an excess of ￡25 each employee per incident.
Excluding credit cards, cheques, cash, bank notes, tickets, vouchers or similar. Notwithstanding anything contained herein to the contrary, this insurance excludes:-
1. Wear, tear and Gradual Deterioration.
2. Loss or damage arising from latent defect or arising from faulty assembly or construction.
3. Loss or damage resulting directly from mechanical, electrical or manual operation of the insured property for demonstration or other purposes.
4. Theft &lor pilferage from unattended exhibition stand.
5. Theft &lor pilferage from unattended exhibition site unless following forcible or violent entry or exit to the premises.
Periods at exhibition site in excess of 60 days held covered on terms to be agreed.
Warranted repacked to not less than same standard as for outward journey and that repacking is supervised by a responsible official of the Insured.
First Loss Clause
In the event that the amount at risk in anyone location, in the normal course of transit, exceeds the limit expressed above, this Contract shall become a first loss insurance up to the amount of such limit.
F.O.B Clauses
RISKS COVERED
1. This insurance covers, except as provided in Clause2 and 3 below,
1.1 all risks of loss of or damage to the subject matter insured
1.2 loss of or damages to the subject matter insured caused by
1.2.1 strikers, locked out workmen, or persons taking part in labour disturbances, riot or civil commotions
1.2.2 any terrorist or any person acting from a political motive.
EXCLUSIONS
2 In no case shall this insurance cover
2.1 loss damage or expense attributable to wilful misconduct of the Assured
2.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured.
2.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject matter insured (for the purpose of this Clause 2.3 "packing" shall be deemed to include stowage in a container or liftvan but when such stowage is carried out prior to attachment of this Insurance or by the Assured or their servants)
2.4. loss damage or expense caused by inherent vice or nature of the subject-matter Insured.
2.5 loss damage or expense proximately caused by delay, even through the delay be caused by a risk insured against.
2.6 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or other like reaction or radioactive force or matter.
2.7 Loss damage or expense arising from the absence shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot and civil commotion.
3 In no case shall this Insurance cover loss, damage or expense caused by
3.1 war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.
3.2 capture, seizure, arrest, restraint or detainment and the consequences thereof or any attempt thereat.
3.3 derelict weapons of war.
DURATION
4. This Insurance attaches from the time the subject matter Insured leaves the warehouse or place of storage for the commencement of the transit, continues during the ordinary course of transit until delivered on board the export steamer at port of shipment, including the risk whilst remaining on quays or wharves and/in warehouses (other than packers warehouse) or sheds whilst awaiting shipment for a period not exceeding 30 days. Any period in excess of 30 days held covered at a rate to be agreed.
CLAIMS
5. In order to recover under this Insurance, the Assured must have an Insurable Interest in the subject matter insured at the time of the loss.
BENEFIT OF INSURANCE
6. This Insurance shall not inure to the benefit of the carrier or other bailee or any Fire insurance policy or policies, carriers Liability insurance or Marine insurance policy or policies covering goods from warehouse in Great Britain to warehouse or destination overseas.
MINIMISING LOSS
7. It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
7.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
7.2 to ensure that all rights against carriers, bailees or 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.
8. Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
9. It is a condition of this Insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
10. This Insurance is subject to English Law and Practice.
NOTE: It is necessary for the Assured when they become aware of the event which is held covered under this insurance to give prompt notice to the Company and the right to such cover is dependent upon compliance with this obligation.
Extended Conditions (Fruit Clause)
Including loss or damage caused by a breakdown of the machinery of the ship &lor craft &lor refrigerated machinery &lor ventilating machinery &lor installations &lor insulation &lor piping &lor leakage of piping &lor defective insulation.
To pay all damage or depreciation owing to or in consequence of any of the insured perils. Also to pay damage to, or depreciation of the interest hereby insured arising from delay provided such delay be caused by any of the insured perils, or by total or partial disablement of the vessel (or craft). It is expressly declared and agreed that damage or depreciation arising from delay is only protected when the cargo is actually on board the vessel (or craft) at the time of the accident giving rise to the delay.
To pay the reasonable cost of extra coal &lor fuel &lor expenses incurred as a direct result of the operation of a peril covered by the policy in any port of refuge or elsewhere in keeping refrigerating machinery running to prevent loss &lor damage to produce.
Notwithstanding anything contained herein to the contrary the following risks are especially covered by the Policy.
(a) Risk of collapse, subsidence &lor floods whilst on shore.
(b ) Whilst in transit by rail &lor road to include all risks of collision, derailment, fire or loss incurred through damage to insulation of the vans from an accident, also loss through delay arising from breakdown of the engines &lor train &lor vehicle.
(c) Including loss, damage &lor expense resulting from explosion however caused.
(d) Loss &lor damage &lor deterioration to cargo resulting from negligent operation &lor defective conditions to the vessel &lor craft &lor conveyance &lor propelling &lor refrigerating &lor auxiliary machinery &lor insulating plant &lor pipes &lor boilers &lor equipment &lor negligent stowage.
(e) Including damage caused by sea &lor fresh water, sweat &lor condensation also by other cargo of foreign matter, oil,vermin, rats and mice.
(f) Depreciation in value caused solely by damage to cartons packaging.
Fumigation Clause
Should cargo be fumigated cover shall include:-
a) The costs incurred in the fumigation operation provided such operation is outside
of or additional to any normal procedure and the need for such operation is brought about by the operation of or insured peril.
b) Damage resulting from the fumigation operation.
c) The above shall be payable irrespective of whether actual infestation has been identified as being in existence.
General Average and Salvage Charges Clause
This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment &lor the governing law and practice (or, if there is no contract of affreightment, according to Foreign Statement or to York-Antwerp Rules) incurred to avoid or in connection with the avoidance of loss from any cause except those specifically excluded here from.
For the purpose of claims for general average contributions and salvage charges recoverable hereunder, the subject-matter insured shall be deemed to be insured for its full contributory value.
General average deposits shall be payable on production of general average deposit receipts.
Glass Clause
Excluding breakage of glass but including damage caused by breakage of glass.
Goods in Vehicles Under The Control of the Insured & / or Their Employees:
Limit Any One Vehicle ￡750,000 *
* Amounts in excess of this figure subject to terms and conditions to be agreed prior to attachment of risk.
AT ANY TIME PRIOR TO OR AFTER COMPLETION OF THE WORKING DAY OR ON NON-WORKING DAYS
Excluding any loss or destruction of or damage to the Insured property arising from theft or any attempt thereat whilst on or contained in any vehicle when left unattended:
unless it is reasonably possible for such vehicle to be, and such vehicle is either:
1. Garaged at the time in a fully enclosed building of substantial construction which is locked or under constant supervision OR
2. In a vehicle security park which is permanently attended OR
3. In any other agreed location OR
4. Is under constant surveillance by the driver or on other responsible person authorised by the Insured. .
In which case theft cover will apply.
If it is not reasonably possible to comply with any of the above alternatives, it is a condition of this Policy Insured property if portable shall be removed from the vehicle to a private dwelling house, hotel room or other secure premises and theft cover will then be operative following forcible &/or violent entry or exit but not otherwise.
If the Insured cannot comply with the above requirements, and provided the Insured nevertheless take reasonable precautions to prevent or minimise the risk of theft, indemnity shall be provided for loss or destruction of or damage to the Insured property attributed too theft or any attempt thereat, but any settlement shall be subject always to a 80%/20% co- insurance between Underwriters and the Insured.
Immobilizer Clause
It is a condition precedent to liability hereunder that all vehicles and/or trailers and/or containers owned by, hired by or under the control of the Insured are fitted with an immobilizer approved by the Company and that the said immobilizer is put into full and effective operation whenever the vehicle and/or trailer and/or container is left loaded and unattended.
Impairment of Recovery
In case of any agreement or act by the Assured whereby any of their right to recover for loss of or damage to any property insured herein against any carrier or bailee is released, impaired or lost, which would on acceptance of abandonment or payment of a loss by the Insurers could have inured to its benefit but for such agreement or act, the Insurer shall not be bound to pay that portion of the loss which would have been recoverable from the carrier or bailee.
Important Clause in Respect of Claims Only
PROCEDURE IN THE EVENT OF LOSS OR DAMAGE FOR WHICH THE COMPANY MAY BE LIABLE
LIABILITY OF CARRIERS, BAILEES OR OTHER THIRD PARTIES
It is the duty of the Assured and their Agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimising a loss and to ensure that all rights against Carriers, Bailees or other third parties are properly preserved and exercised. In particular, the Assured or their Agents are required:
1. To claim immediately on the Carriers, Port Authorities or other Bailees for any missing packages.
2. In no circumstances, except under written protest, to give clean receipts where goods are in doubtful condition.
3. When delivery is made by Container, to ensure that the Container and its seals are examined immediately by their responsible official. If the Container is delivered damaged or with seals broken or missing or with seals other than as stated in the shipping documents, to clause the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification.
4. To apply immediately for survey by Carriers' or other Bailees' Representatives if any loss or damage be apparent and claim on the Carriers or other Bailees for any actual loss or damage found at such survey.
5. To give notice in writing to the Carriers or other Bailees within 3 days of delivery if the loss or damage was not apparent at the time of taking delivery .
Increased Value on Arrival
Increased value of cargo by reason of liability for and/or payment of freight and/or duty and/or any charges on arrival at the place where these or any of them become due. This policy covers all the risks and embodies all the liberties clauses and conditions of the insurance on the cargo described above and is to be for the duration of such insurance on such cargo.
This policy is to pay the same proportion of the amount of insurance hereunder as the sum paid on the cargo insurance referred to above bears to the amount of such cargo insurance except that until the liability to pay freight and/or duty and/or charges arises this policy only covers particular and/or general average loss (other than Liability for General Average expenditure' of the cargo described above. Should the liability to pay freight and/or duty and/or charges be extinguished or diminished, then this insurance in the proportion of such extinction or diminution shall be deemed to be reduced.
Inland Transit Clause
RISKS COVERED
1. This insurance covers, except as provided in Clause2 and 3 below,
1.1 all risks of loss of or damage to the subject matter insured
1.2 loss of or damages to the subject matter insured caused by
1.2.1 strikers, locked out workmen, or persons taking part in labour disturbances, riot or civil commotions
1.2.2 any terrorist or any person acting from a political motive.
EXCLUSIONS
2 In no case shall this insurance cover
2.1 loss damage or expense attributable to wilful misconduct of the Assured
2.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured.
2.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject matter insured (for the purpose of this Clause 2.3 "packing" shall be deemed to include stowage in a container or liftvan but when such stowage is carried out prior to attachment of this Insurance or by the Assured or their servants)
2.4. loss damage or expense caused by inherent vice or nature of the subject-matter Insured.
2.5 loss damage or expense proximately caused by delay, even through the delay be caused by a risk insured against.
2.6 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or other like reaction or radioactive force or matter.
2.7 Loss damage or expense arising from the absence shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot and civil commotion.
3 In no case shall this Insurance cover loss, damage or expense caused by
3.1 war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.
3.2 capture, seizure, arrest, restraint or detainment and the consequences thereof or any attempt thereat.
3.3 derelict weapons of war.
DURATION
4. This Insurance attaches from the time the subject matter Insured leaves the warehouse or place of storage for the commencement of the transit, continues during the ordinary course of transit and terminates on delivery to the Consigness's premises.
CLAIMS
5. In order to recover under this Insurance, the Assured must have an Insurable Interest in the subject matter insured at the time of the loss.
BENEFIT OF INSURANCE
6. This Insurance shall not inure to the benefit of the carrier or other bailee.
MINIMISING LOSS
7. It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
7.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
7.2 to ensure that all rights against carriers, bailees or 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.
8. Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
9. It is a condition of this Insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
10. This Insurance is subject to English Law and Practice.
Insolvency Exclusion Clause (JC 93)
It is hereby agreed that the exclusion "loss damage or expense arising from insolvency or financial default of the owners, managers, charterers or operators of the vessel" is amended to read as follows:-
In no case shall this insurance cover loss, damage or expense arising from insolvency or financial default of the owners, managers, charterers or operators of the vessel where the Assured are unable to show that, prior to the loading of the subject-matter insured on board the vessel, all reasonable, practicable and prudent measures were taken by the Assured, their servants and agents, to establish the financial reliability of the party in default.
Institute Radioactive Contamination Exclusion Clause
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.
In no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by, contributed to by or arising from:
a) Ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel,
b) The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof,
c) Any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
Cargo ISM Forwarding Charges Clause
(For use only with JCC Cargo ISM Endorsement JC98/019)
In consideration of an additional premium to be agreed, this insurance is extended to reimburse the Assured, up to the limit of the sum insured for the voyage, for any extra charges properly and reasonably incurred in unloading, storing and forwarding the subject matter to the destination to which it is insured hereunder following release of cargo from a vessel arrested or detained at or diverted to any other port or place (other than the intended port of destination) where the voyage is terminated due either:-
a)to such vessel not being certified in accordance with ISM Code.
Or
b) to a current Document of Complience not being held by her owners or operators as required under the SOLAS Convention 1974 as amended.
This clause, which does not apply to General Average or Salvage or Salvage Charges, is subject to all other terms, conditions and exclusions contained in the Policy and to JCC Cargo ISM Endorsement JC 98/019.
Jetty Clause
Notwithstanding the cover granted under the Warehouse to Warehouse Clause it is a condition of this insurance that Surveys shall be held on the Insured goods in the Landing Shed and that Underwriters shall not be liable for any losses by theft, pilferage and shortage occurring after the above Survey nor for any loss or damage whatsoever except loss or damage caused by fire, after the removal of the goods Insured hereunder from the Landing Shed.
In any event it is a condition of this insurance that prior notification be given to Lloyds Agents at the port of discharge in such time as to permit attendance both at the time of discharge ex craft and the subsequent on to land conveyance.
Labels Clause
In case of damage from perils insured against affecting labels only, loss to be limited to an amount sufficient to pay the cost of reconditioning, cost of new labels, and re-labelling the goods, provided the damage will have amounted to a claim under the terms of the Policy.
Loading and Unloading Clause
Including loss of or damage to the subject-matter during loading prior to despatch and unloading after arrival at the Insured's or Consignees premises, and in the case of Containers, during the stuffing and destuffing thereof.
Consignments for which the Insured is only responsible up to Free on Board vessel &lor Free on Board Aircraft held covered until completion of loading on board vessel &lor aircraft.
Locking Clause
The Company shall not be liable for any loss or damage to the interest insured hereunder resulting from theft or any attempt thereat whilst the said interest is on or contained in any vehicle and/or trailer and/or container owned by, hired by or under the control of the Insured, which is left loaded and unattended unless all points of access have been closed and secured by all the locks, window fastenings and other protections on it, and all the keys are removed.
Loss of or Damage Caused By Civil Authorities
Notwithstanding anything contained in this policy it is understood and agreed that property which is Insured under this policy is also covered against the risk of damage or destruction by civil authorities during a conflagration or for the purpose of retarding the same -provided that neither such conflagration nor such damage or destruction is caused or contributed to by war perils elsewhere excluded herein.
Loss of or Damage Caused By Governmental Authorities
This insurance is extended to cover loss of or damage to the property Insured hereunder directly caused by Governmental Authorities acting for the public welfare to prevent or mitigate a pollution hazard or threat thereof, provided a recoverable claim would have resulted under the policy (subject to all its terms, conditions and warranties) had the property Insured sustained physical loss or damage as a result of the accident or recurrence that gave rise to the threatened pollution hazard.
This clause shall not increase the limits provided for in this policy.
Matched Pairs Clause
In consideration of an Additional Premium calculated at a rate to be agreed it is hereby noted and agreed that where shipments involve Pairs and Sets which are matching &/or specifically matched and one of the pair or set is lost, total &/or constructive total loss &for damaged as a result of the operation of a peril Insured against during the currency of the Policy then Underwriters agree that such loss &/or damage will constitute total loss &/or damaged as a result of the operation of a peril Insured against during the currency of the Policy then Underwriters agree that such loss &/or damage will constitute total loss of the said pair &/or set. Underwriters to receive benefit of any salvage.
Non-Contribution Clause
This insurance does not cover any loss or damage which at the time of happening of such loss or damage is insured by or would, but for the existence of this Policy, be insured by any other Policy or Policies except in respect of any excess beyond the amount which would have been payable under other Policy or Policies had this Insurance not been effected.
No Recourse Agreement
Underwriters agree to waive rights of recourse against the Insured as Charterers, Carriers, Warehouse Keepers or any other form of Bailee in respect of interest Insured hereunder to the extent that loss, damage or expense arising in respect of such interest Insured hereunder.
No Survey Clause
It is agreed that claims of up to ￡500 (or equivalent in other currencies) will be settled on the written statement of the Insured together with relevant documentation without survey.
Obsolete Parts Clause
In the event of damage to the vehicle insured hereunder, liability is re-stricted to the reasonable cost of repair and no claim is recoverable in respect of depreciation. In no case shall liability exceed that proportion of the cost of replacement or repair of the damaged part or parts as the insured value of those part or parts bear to the cost of the insured vehicle.
Over-Carried Clause
Should any interest be over-carried this Policy extends to cover such interest until return to Port of Place of destination as per Institute Cargo Clauses (A) as far as applicable.
Overnight Parking & Locking Warranty
It is warranted, in respect of conveyances in the Insured's ownership or control, that
a)they shall be in efficient condition and suitable for the purpose for which used
b)any loaded vehicle which is left unattended after commencement of the transit
1) shall be securely locked with all windows and doors fastened and with the ignition key removed
2) where fitted, any alarm or immobiliser system is in full working order and set for operation
3) overnight shall be housed in a securely locked building or compound.
Own Vehicle Theft Exclusion Clause
The Company shall not be liable for any loss or damage to the insured interest whilst on or contained in any vehicle and/or trailer and/or container owned by, hired by or under the control of the Insured as a result of:
1. Theft when the vehicle and/or trailer and/or container is left unattended unless such vehicle and/or trailer and/or container has all points of ac- cess closed and secured by all the locks and other protections thereon and has all keys removed.
2. Theft of or from the vehicle and/or trailer and/or container left unat- tended between 1800 hours and 0600 hours unless:
2.1 such vehicle and/or trailer and/or container is locked and garaged in a building which is securely closed and locked,
OR
2.2 such vehicle and/or trailer and/or container is locked and parked in a yard or compound which is fully enclosed and locked, or is fully enclosed and security manned 24 hours per day.
Warranted that the alarm system and/or immobilizer fitted to the vehicle and/or trailer and/or container is in full efficient working order and set whenever the vehicle and/or trailer and/or container is left loaded and unattended.
Packing Clause
In the event of a claim being made for loss or damage which is alleged to be caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured, insurers hereby agree that they will not use such alleged insufficiency or unsuitability as a defence against the claim in any case where the packing or preparation was carried out by a party other than the Named Insured and the insufficiency or unsuitability arose entirely without the Named Insured's privity or knowledge. For the purpose of the clause "Packing" shall be deemed to include stowage in a container &lor other similar inter-model methods of unit load.
The Insured agrees to assist insurers in all respects to pursue rights of recovery against sellers &lor other responsible third parties.
The above agreement is not to interfere with rights of subrogation against packers &lor their insurers.
Packers Premises
To include whilst at Packers &lor Repairers Premises in the United Kingdom for a period of up to 30 days or held covered.
Pair and Set Clause
In the event of loss &lor damage to any article or articles forming part of a pair or set the Company's liability shall be limited to the value of such parts which may be lost or damaged, without any reference to any special value which such articles or articles may have as part of the insured of such pair or set.
Payment on Account Clause
The Underwriters hereunder agree that where claim papers submitted demonstrate that only the quantum of the claim is in question, they will make a "payment on account" equal to 80% of the lower of the amounts claimed and agreed to by Underwriters, no later than 30 days after the date of submitting the full claim papers and determination of Underwriters Liability whichever shall last occur.
Personal Conveyance Clause
Loss of the item insured hereunder occurring during the insured transit is only covered if the item at the time of loss
a) is being carried upon the person of the Insured or the Insured's representative.
OR
b) is being carried in the hand of, or is in the close proximity and sight of, the Insured or the Insured's representative if wrapped or in other form of packing or carrying container.
OR
c) is locked in a safe or other secure place, if left unattended.
Pipeline Clause A
Notwithstanding anything contained in the Institute Cargo Clauses or the Bulk Oil Clauses with the Marine Extension Clauses (for use in connection with Oil in bulk), it is understood and agreed that this insurance attaches from the time the goods have passed the permanent hose connection of the vessel at the port of shipment and continues thereafter as stipulated in the said clauses, until the goods are discharged into the consignee's or other shore tank at the port of destination named in the policy.
Pipeline Clause B
Notwithstanding anything contained in the Transit Clause of the Institute Cargo Clauses to the contrary, it is understood and agreed that this insurance attaches from the time the goods have passed the coupling of the pipe of shore thank at the port of shipment and continues thereafter as stipulated in the said clause, until the goods are discharged into the consignee's or other shore thank at the port of destination named in the policy.
Plans Clause
(Engineering Materials, Plans, Drawings, Reports, Manuscripts)
In the event of loss of or damage to the interest insured resulting from an
insured peril, claims for the cost of replacing the material shall not exceed the sum insured hereunder.
Port Delay Clause
Notwithstanding the provisions of Clause 8 of the Institute Cargo Clauses, this insurance shall terminate on the expiry of 60 days from midnight on the day of arrival of the overseas vessel at the final port of discharge of the goods hereby insured if their discharge has not by then been completed: Thereafter subject to prompt notice being given to Underwriters the goods shall be held covered for a period and at a premium to be arranged. The period of up to 60 days specified above or any extension thereof shall nevertheless terminate immediately upon completion of discharge overside from the oversea vessel and continuation of cover shall thereupon be governed by the provisions of Clause 8 of the Institute Cargo Clauses or any amendment thereto.
Arrival shall be deemed to mean that the vessel is anchored moored or other- wise secured at berth and/or place within the Harbour Authority Area. If such berth and/or place is not available, arrival is deemed to have occurred when the vessel first anchors, moors or otherwise secures either at or off the intended discharge port to await a discharge berth.
Potential Duty Clause
It is agreed that this insurance is extended to cover the Insured's potential liability for payment of duty on bonded goods to the Customs and Excise Authority of any country (including Great Britain and Northern Ireland! through which the interest may pass prior to coming within the jurisdiction of the country of destination which they may be legally liable to pay and shall pay due to loss of, destruction of or damage to the insured interest resulting from a peril insured against.
Process Clause
No claim to attach hereto for damage to insured property which may be sustained whilst the same is under any process and directly resulting therefrom.
Profit Commission Clause
It is agreed that Underwriters shall allow the Assured 10% of the Annual Profit each underwriting year.
Profit to be calculated as follows, but not before 6 months after the expiry of the period to which this Profit Commission is applicable, and subject to renewal of the contract being offered to Underwriters through the same Broker.
Profit Commission will only apply subject to the following formula, on a basis that the loss ratio shall not exceed 95% in anyone Underwriting year after allowing for:-
Credit: 1. 95% of Nett Premiums applying to the year after deduction of returns and calculations.
Debit: 1. Claims and Expenses less refunds and Salvage Recoveries.
2. Debit Balance, if any, carried forward from previous period.
It is agreed that claims attaching to anyone underwriting year, but settled after a profit
commission has been paid for that year, shall be taken into consideration in calculating the Profit Commission payable on the years business during such claims have been settled.
If the account shall show a loss, such a loss shall be carried forward in successive year's account, but not in excess of 3 years, until completely extinguished.
Re-issue Clause
In the event of loss or destruction of the interest from a peril insured against, the liability of the Company shall be limited to the cost of reprinting and freight and all charges incurred in forwarding the replacement interest to the original destination including insurance premium and charges in connection therewith.
Rejection Expenses Clause
In the event of rejection &/or prohibition by a governmental body or authority only, for any reason whatsoever it is agreed that this insurance shall pay up to 25% of the Insured value of the interest involved, in respect of storage, transportation and any other consequent expenses &for loss in value.
Subject to a maximum contribution by Underwriters of ￡10,000 anyone event or happening.
Notwithstanding the above, any shipment made under a quota system that exceeds the quota concerned, is excluded from the scope of these provisions.
Removal of Debris (Own Vehicles) Clause
It is agreed that subject to the operation of an insured peril, underwriters will pay costs and expenses reasonably incurred by the Assured in connection with:-
1. Removal and disposal of debris &for destruction of damaged goods.
2. The transfer of items covered hereunder from one conveyance to another in the event of an accident to the .original conveyance.
The indemnity provided by this clause shall be in addition to the indemnity provided elsewhere herein but limited to ￡5,000 anyone incident and subject to an excess of ￡100.
Excluding any expenses incurred in consequence of or to avert or mitigate pollution or contamination or any threat or liability thereof.
Removal of Debris Clause
It is agreed that subject to the operation of an insured peril Underwriters will pay costs and expenses necessarily incurred by the Assured in connection with:
(a) removal of debris
(b) dismantling &/or demolishing
(c) shoring up &/or propping
(d) the transfer of items, covered hereunder, from one conveyance to another in the event of an accident to the original conveyance which results in loss of or damage to such items which is recoverable hereunder.
Re-package Clause
It is understood and agreed that should the packing be damaged from any peril insured against irrespective of the final destination shown herein, Underwriters to pay the cost of repacking expenses and materials provided such damage occurred during the currency of this insurance irrespective of whether the subject matter has sustained damage.
Subject to a limit of ￡5,000 anyone incident and an excess of ￡100 each incident.
Replacement Clause (Secondhand Machiney)
In the event of claims for loss or damage to any part of the insured interest in consequence of a peril covered by the Policy, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of the parts lost or damaged as the insured value bears to the value of new machinery , plus additional charges for forwarding and re-fitting the new part or parts if incurred.
Excluding the risks of Rust, Oxidisation, Discolouration, Scratching, Bruising, Denting and subsequent cost of repainting unless recoverable against Institute Cargo Clauses (C)
Excluding Electrical &lor Mechanical Derangement unless caused by a peril insured against.
Returned Goods Clause
It is agreed that returned goods are covered subject to the following: 1. Cover Terms and Conditions
Excess stock, incorrect orders or similar 2. Restricted Cover
In respect of goods that have suffered physical damage the following terms and
conditions shall apply:
Institute Cargo Clauses (B)
Including Theft and Non-Delivery of an entire package Institute War and Strikes Clauses as applicable Institute Malicious Damage Clause Institute Classification Clause
Unless:
A Surveyors Report is made prior to the return of the goods when cover shall be subject to normal policy terms and conditions but excluding damage noted in such report. The report to be made available to Underwriters as required.
Revision of Institute Clauses
The Institute Clauses referred to herein are those current at the inception of this contract but should clauses be revised during the period of this contract and provided that the Underwriters shall have given at least 30 days notice thereof, then the revised Institute Clauses shall apply to risk attaching subsequent to the date of expiry of the Said Notice.
Shipments in Bulk Clause
Pipe Lines, Ship's tanks, shore tanks and loading equipment to be inspected prior to loading and the Certificate of Cleanliness shall be accepted as proof between the Insured and Underwriters that the pipe lines, ship's tanks, shore tanks and loading equipment were fit to receive cargo.
In connection with this clause, Underwriters agree to accept a Certificate of Cleanliness issued by any of the following surveyors:
1. Lloyds Agents or their appointed representatives.
2. Any other qualified Surveyors who are mutually acceptable to the Insured
and the Insurers subject always to approval prior to attachment of risk.
In respect of bulk sendings in Road or Rail Tankers it is agreed that no Certificates of Cleanliness are issued.
Warranted that:
The tanks, pipe lines and loading equipment are inspected and found clean prior to cargo loading.
These inspections are carried out by trained and qualified personnel.
Stock Warranties
It is Warranted that
a) All security protections existing at the inception date of this Policy or subsequently
fitted at the request of the company be maintained in proper working order and put into operation and any keys for such protections and the keys of any safes or strongrooms containing any of the property insured hereunder be removed from the premises at night or whenever the premises are closed for business.
b) any burglar alarm at the buildings be
i) installed in accordance with a specification and requirements agreed by the company
ii) regularly and efficiently maintained under a maintenance contract by the burglar alarm company
iii) put into full and effective operation whenever the premises are closed or unoccupied
Provided that in any event the company shall not be liable under this Policy for losses occasioned by theft subsequent to the Insured receiving a written notification from a burglar alarm company that the maintenance contract is suspended or from the relevant Police Authority that alarm signals from the premises will no longer be answered.
Breach of this Warranty shall only invalidate claims in respect of theft of the Property insured whilst contained in the premises at which the breach of Warranty has occurred.
Exclusions
Loss, destruction or damage caused by or occasioned through:-
a) wear, tear, gradual deterioration, rust or corrosion, inherent vice, moth vermin,
insects, damp or mildew, wet or dry rot or seepage below ground level;
b) shrinkage, evaporation, loss of weight, contamination, marring, scratching, change of flavour, colour, texture or finish, change in temperature or humidity (unless such loss, destruction or damage: is directly caused by any peril not otherwise excluded by this Policy);
c) overloading, mechanical or electrical breakdown, failure, derangement or disturbance, latent defects, faulty materials, design or workmanship (but excepting, ensuring loss, destruction or damage caused by a peril not otherwise excluded by this Policy);
d) theft or any attempt thereat:
i) of the property insured left in the open or not contained in lock-fast buildings
ii) unless involving violent and forcible entry into or exit from the premises;
e) infidelity or dishonesty of the Insured or any of his employees or other persons to whom property insured hereunder may be entrusted nor loss or damage resulting from the Insured involuntarily parting with title or possession of any property if induced to do so by any fraudulent scheme, trick, device or false pretence;
f) disappearance, unexplained shortage disclosed at normal stock-taking, delay, loss of market, loss of use or any other consequential loss;
g) subsidence, collapse, heave or landslip or normal settling, cracking, shrinkage or expansion of the building or the site or any parts thereof on which the within described property stands;
h) explosion (other than loss, destruction or damage by fire resulting from explosion) occasioned by the bursting of a boiler (not being a boiler used for domestic purposes only), economiser or other vessel, machine or apparatus in which internal pressure is due to steam only and belonging to or under the control of the Insured;
i) the undernoted perils occurring while any building is vacant, disused or ceases to be operated:
i) theft
ii) malicious act or vandalism except destruction or damage caused by fire iii) escape of water or oil from any water or heating installation;
j) solidification of the contents of molten material holding units, molten material transmission lines &for appurtenances (unless such loss, destruction or damage is directly caused by any peril not otherwise excluded by this Policy);
k) electrical or magnetic injury, disturbance, or erasure or electronic recordings except by lightening;
l) storm, tempest, flood or the bursting or overflowing of water tanks apparatus or pipes to:-
i) buildings (and contents therein) not maintained in a good and substantial state of repair,
ii) fences, gates, drains, sewers or water courses, nor the cost of cleaning or making good;
Loss, destruction or damage to:-
a) aircraft, watercraft, motor vehicles licensed for road use, or their accessories;
b) that portion of any electrical apparatus, appliance or device of any kind (including
wiring) caused by its own over-running, excessive pressure, short-circuiting, self- heating or leakage of electricity;
c) livestock, growing crops or standing timer or explosives;
d) land, roads, pavements, piers, jetties, bridges, culverts, excavations;
e) jewellery , precious stones, articles of gold, silver or other precious metals or furs;
f) securities and other negotiable instruments, coin, bank and currency notes, cheques,
national giro payment orders, money and postal orders, postage and revenue stamps, national savings stamps and certificates, holiday-with-pay-stamps, trading stamps, luncheon vouchers, credit cards and credit card vouchers;
g) that part of the property insured which is actually being worked upon or undergoing any process, directly resulting therefrom or caused by any testing, repairing, adjusting, servicing or maintenance operation;
h) movable property in the open by the action of rain, hail, snow, sleet, frost or dust or other action of the weather;
i) property or structures in course of construction or erection and materials or supplies in connection with all such property in course of construction or erection.
loss, destruction or damage directly or indirectly occasioned by or happening through or in consequence of war, invasion, act of foreign enemy, hostilities
(whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, confiscation or detention by Customs or other Officials or Authorities.
loss, destruction or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom directly or indirectly caused by or contributed to by or arising from:
a) ionising radiations, or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
Strikes Expenses Clauses
This insurance is to pay (only) any additional expenditure incurred by the Insured by reason of the exercise by the Shipowners or Charterers of any liberty granted by the contract of affreightment whereby solely in consequence of strikes, riots, civil commotions, lock-outs or labour disturbances, or solely in consequence of conditions arising therefrom making discharge in the normal course impossible, the within mentioned goods are over-carried or discharged at a port other than the final port of discharge named in the contract of affreightment such expenditure being payable irrespective of any other loss whether total or partial recoverable under the terms of any other insurance upon the interest, provided however, that in no case shall Underwriters be liable for any claims unless the liberty referred to in this clause be exercised prior to the expiry of 15 days from midnight on the day on which the strikes, riots, civil commotions, lock-outs or labour disturbances giving rise to the exercise of such liberty cease to be in active operation. The limit of liability hereunder is to be 20% of the value for marine insurance.The Insured to bear 10% of all claims recoverable hereunder. Warranted that the 10% deductible remains uninsured and at the Insured's risks.
Survey Clause
In the case of a claim expected to be less than CDN$ (or equivalent in any other currency), Customs Document or other similar documents or the Insured's or Consignee's statement to be accepted as sufficient proof of loss and/or damage.
Testing & Sorting Costs Clause
Should visible signs of external damage to packing or goods insured herein be discovered, Insurers agree to meet reasonable costs of testing and sorting the goods whether or not any actual damage is subsequently found including the cost of transporting the goods to or from a test facility plus the cost of repacking and shipment to destination after completion.
Subject to a limit of ￡2,500 anyone incident, unless such costs are reasonably incurred in order to prevent or minimise a loss to the subject-matter.
Theft Clause
Between 1800 hours and 0600 hours the risks of theft of or from vehicles &lor trailers &lor containers which islare owned &lor operated by the Insured when left unattended whilst in the care and custody of the Insured are excluded absolutely unless such vehicles &lor trailers &lor containers is garaged in a building or parked in a fully enclosed yard, whJch is securely closed and locked or under constant surveillance or on a guarded security lorry park and such vehicles &lor trailers &lor container has all the openings closed and securely locked and all keys removed, so far as local fire regulations permit.
Transhipment Clause
Including Customary Transhipment without additional premium.
Other Transhipment held covered at Rates &for conditions to be agreed.
Unseaworthiness and Unfitness Exclusion
In no case shall this insurance cover loss damage liability or expense howsoever caused by resulting from or connected with
1. Unseaworthiness of vessel or craft, or
2. Unfitness of vessel craft container liftvan or land conveyance for the safe carriage of the Subject Matter Insured.
Where this insurance has been assigned to a party claiming hereunder who has bought or agreed to buy the Subject Matter Insured in good faith under a binding contract, the above exclusion shall not apply.
Where the Insured can demonstrate they took all reasonable steps to establish the seaworthiness of the vessel or craft and fitness of the vessel craft container liftvan or land conveyance, Underwriters waive any breach of the implied warranties of seaworthiness of
the vessel or craft and fitness of the vessel craft container liftvan or land conveyance to carry the Subject Matter Insured to destination.
Wherever the words "ship, vessel or (un)seaworthiness" appear in this insurance and any endorsements hereto, they are deemed to include the words "aircraft and
(un)seaworthiness" as appropriate.
War and Civil War Exclusion Clause
Notwithstanding anything to the contrary contained herein, this Policy does not cover loss damage liability or expense directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
装卸责任条款
兹经双方同意，本保险单扩展承保保险标的在装载、卸载过程中因自然灾害、意外事故以及野蛮装卸导致的直接物质损失或损坏。
临时存储条款( 天)
兹经双方同意，本保险单扩展承保保险标的在运输期间临时储存或在运输途中中转库临时储存过程中因自然灾害或意外事故导致的直接物质损失或损坏风险，但上述临时储存的时间不得超过 天。
错误和遗漏条款
兹经双方同意，本保险项下的赔偿责任不因被保险人非故意地延迟、错误或遗漏向本公司申报有关所占用的场地、保险财产价值的变更或其它有关信息而被拒付，一旦被保险人明白其疏忽或遗漏应在合理的时间内尽快向本公司申报。
不正确的、有缺陷的或错误的评估不可视为非故意的错误与遗漏。
运输扩展条款
兹经双方同意，保险人同意承保：保险标的从远洋船舶卸货后，由于被保险人无法控制的环境因素，无法在 天内正常运至收货人仓库所致损失，但是被保险人必须在最早的第一时间将此延迟通知保险人。
理算师条款
当发生保险事故时，无论事故大小，应投保人的要求，保险人同意委请由投保人指定的国内获得保险公估营业许可的公估公司进行损失理算。聘请公估公司所发生的费用由保险人承担。
预付赔款条款
兹经双方同意，发生承保风险损失时，在双方确认损失金额超过 万元时，应被保险人要求，本公司在被保险人提出要求后 个工作日内预付确认损失金额的 ％作为预付赔款。
不受控制条款
兹经双方同意并约定，本保险不因在被保险人无法控制的任何情况无法履行保单或批单中规定的任何保证或条件而受影响。
违反保证条款
经双方同意，被保险人违反了本保险合同约定的条件和保证时，仅使这些违反的条件和保证所对应的保障失效，而不影响其他保障的效力。
本附加条款与主条款内容相悖之处，以本附加条款为准；未尽之处，以主条款为准。
不使失效条款
本保险不因下述原因而失效：在投保人及被保险人不知情的前提下，风险程度增加。但一旦知道该情况，投保人应立即通知保险人并缴付从风险程度增加之日起计算的保险费。
包装条款
当由于对保险标的物的包装或准备不足或不当引起的损失发生索赔时，如果这种包装或准备是由除了被保险人之外的第三方执行，或对这种不足或不当被保险人并不知情，保险公司将不会对这种包装的不足或不当的索赔进行抗辩。此处的“包装”应当视为包括集装箱内的贮存或其他类似的成组装运的联合运输方式。
被保险人承诺在一切条件下协助保险公司向卖方或其他负有责任的第三方追偿。
以上陈述不影响保险公司对包装方或其保险人行使代位求偿权。
50/50条款
兹经双方同意，本保险单将附加以下条件：
被保险人负责在被保险财产到达工地时对其进行检查，以发现运输过程中可能遭受的损失。
如果包装的货物须放置一段时间后才能开包，则被保险人应检查每件货物的外包装是否有货损迹象。如果货损迹象明显，应即拆除外包装检查，并将发现的损失向运输险保险单的保险人提出索赔。
如果货物的外包装没有迹象显示在运输过程中货物受损，而在货物开包时才发现货损，如能确定该损失在货物到达之前发生的，则应由运输险保险单的保险人负责；如能确定损失在货物到达工地之后发生的，则应由本保险单负责
如果不能清楚地界定损失是在货物到达工地前或到达工地后发生，则双方据此同意本保险单的保险人和运输险保险单的保险人各自分摊损失的50%。
双方进一步同意，如果运输险保险单和本保险单中免赔额不同，则每一保险人应对其应负责的50％的核定损失扣除其保险单的免赔额的50％。
协会扩大辐射污染除外责任条款
本条款具有最高之效力，本保单内任何规定事项与其抵触者均无效。
本保险不承保由于下列原因直接或间接引起或所致之毁损、灭失、责任或费用：
1.1任何核燃料、核废料或核燃料燃烧所生之电离辐射或辐射污染；
1.2任何核设施、反应器或其它核子装置或其核组件之辐射、毒素、爆炸或其它危害或污染物质；
1.3任何使用原子或核裂变、聚变或其它类似反应，或辐射力或辐射物质之武器或设备；
任何辐射物质之辐射、毒素、爆炸或其它危害或污染物质。除核燃料之外，本项除外责任规定不适用于放射性同位素，当其作为预置、运载、储存或使用于商业、农业、医疗、科技或其它类似和平等用途时。
协会化学、生物、生化、电磁武器及电子黑客袭击除外责任条款
本条款具有最高之效力，凡本保单内任何规定事项与其抵触者均无效。
本保险不承保由以下风险直接或间接引致的损失、损坏、责任及所产生的任何费用
1.1任何化学、生物、生化、电磁武器
1.2以利用或操作任何电脑、电脑系统、电脑软件程序、电脑病毒或其他任何电子系统，作为侵害之工具。
协会电脑骇客攻击除外条款
1.本保险不承保直接或间接或可归因于因使用或操作任何电脑、电脑系统、电脑软体程式、恶意密码、电脑病毒或任何其他电子系统所引起或所致的灭失或损害。
2.若本条款附加在承保战争、内战、革命、叛乱、暴动或由此引起的内乱或其他交战团体之间的敌对行为的保单项下时，本条款承保范围包括由于使用战争武器或导弹启动和/或导航和/或点火系统中的计算机、计算机系统、计算机软体程式或其他电子系统所导致的损失。
协会辐射污染、化学、生物、生化或电磁武器除外条款
本条款具有最高效力，本保险内与其相抵触的任何规定都无效。
本保险不承保直接或间接由于下列原因引起或导致的灭失、损害、责任或费用：
1.任何核燃料、核废料或核燃料燃烧所产生的电离辐射或辐射污染；
2.任何核设施、反应堆、核装置或核组件产生的辐射、毒素、爆炸或其他危害污染物质；
3.任何使用原子核、核裂变、核聚变或其他类似反应、或辐射强力等形成的武器或装置；
4.任何与辐射相关的辐射、毒素、爆炸或其他危害污染物质。本款除外责任不适用于用于商业、农业、医疗、科技或其他和平用途准备、运输、仓储的放射性同位素，除非用于核燃料；
5.任何化学、生物、生化或电磁武器。
免查勘条款
如发生国际货物运输保险责任范围内的货物损失，且损失金额在 以内的保险人可免查勘。在被保险人进行现场查勘后，索赔时仅需要提供：出险索赔通知书、事故现场照片、出库单、损失清单、价格证明、赔款收据这些基本单证，保险人进行快速理赔。
撤销条款
保险双方对此保险事项所做的修改或撤销以书面通知如下：
战争风险：七天内通知
罢工风险：七天内通知（罢工或其他事项48小时以内除外）
发生在美国或由美国引致的风险
其他风险：30天通知
自被保险人或保险人发出撤销通知当日的午夜起，至合同期满的以上所列的相应的天数内，撤销生效，且不适用于撤销生效前已声明或所附的依照合同期限与条件的任何内陆运输保险。
指定公估人条款
兹经双方同意,在发生本保单保险责任范围的事故引起索赔时，如
1）报损金额超过RMB 万；
2）保险双方就保险责任无法达成一致；
3）保险双方就损失金额无法达成一致。
则保险双方中的一方可提出引入保险公估人。保险公估人由经纪公司负责推荐，在保险双方共同认可后，由保险人负责委请。费用由保险公司承担。
提前三十天取消保单条款
兹经双方同意，保险人可提前三十天书面通知被保险人注销本保险单，对未到期的保险费保险人应按日比例退回给被保险人。
被保险人可随时书面申请注销本保险单，对本保险单已生效期间的保险费按日比例费率计收。
扩展承保转运条款
兹经双方同意，本保险单项下扩展承保保险标的在运输期间正常转运过程中因自然灾害或意外事故导致的直接物质损失风险。
交叉责任条款
兹经双方同意，本保险保障适用于保险单中列明的每一个被保险人，如同本公司对每一个被保险人签发独立的保险单。本公司对所有被保险人由一次事故或同一事件引起的数次事故承担的全部赔偿金额不超过本保险单列明的每次事故赔偿限额。
第三方追偿特约条款
兹经双方同意，当投保货物发生保险事故时，如果根据法律规定或者有关约定，应由第三方承担部分或全部损失的，保险人同意只要投保人或其代表提出要求，保险人即于 个工作日内先予赔付被保险人的货物损失，同时取得代位追偿权。
保险公司不可注销保单条款
兹经双方同意，若被保险人不按合同约定支付保险费，保险人可以要求注销保险单，但保险人需要提前 天书面通知被保险人。除上述情况以外，保险人不能单方面注销保险单。本保险单所载其他条件不变。
电子资料除外责任条款
根据本保险单规定，电子资料不视为有形财产，电子资料包括：使用电子设备如软盘、硬盘、CD-ROM 磁带、驱动器、数据处理设备或其它介质存储数据、创建或传递信息、事实或程序、计算机软件（包括操作系统或应用软件）。
协会船级条款
合格的船舶
1）本保险单或预约保单所约定的保险和海上运输保险费率仅适用于加入以下船级社的钢质自航船所载的货物：
1．1国际船级社协会的成员
1．2条款4中所定义的国旗船级社，但是这些船舶应仅从事该国沿海运输（包括从事该国所属的岛屿之间的运输）不在上述船级范围的船舶所承运的货物应立即通知保险人，并得到保险人对费率和条件的同意。对与保险人达成协议前发生的损失的保障，仅限于根据合理的市场费率和合理的市场条款可行的范围。
船龄限制
2）由上述合格船舶所承运的货物，若承运船舶船龄超过以下的限制，在被保险人支付额外保费的前提下，本保险或预约保险仍然有效：
散装货船、多用途货船船龄超过10年，其它类型船舶船龄超过15年，除非是：
2．1在特定范围的港口之间从事固定的、有规律的杂货贸易运输，船龄不超过25年，或
2．2集装箱船、滚装船或双壳开口龙门吊机船，一直在特定范围的港口间从事固定的、有规律的贸易运输，船龄不超过30年。
驳船条款
3） 本条款的要求不适用于在港口区域对船舶进行装卸操作的驳船。
国旗船级社
4）国旗船级社是指位于船舶的船籍所在国的船级社。
立即通知
5）本保险要求被保险人立即通知保险人，被保险人获得赔偿的权利取决于他履行上述义务的情况。
法律与实务
6）本保险适用于英国法律与实际操作。
协会恶意损坏保险条款
兹经双方同意，鉴于被保险人已缴付了附加的保险费，删除本保险中的除外事项“由任何人的不法行为对保险标的或其组成部分的故意损害或故意毁坏”，并进一步承保由于恶意行为、任意毁坏财产的行为导致的保险标的的灭失和损害，但仍须受本保险其他除外责任的限制。
Institute Malicious Damage Clause
In consideration of an additional premium, it is hereby agreed that the exclusion “deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons” is deemed to be deleted and further that this insurance covers loss of or damage to the subject-matter insured caused by malicious acts vandalism or sabotage, subject always to the other exclusions contained in this insurance.
Institute Classification Clause
QUALIFYING VESSELS
This insurance and the marine transit rates as agreed in the policy or open cover apply only to cargoes and/or interests carried by mechanically self-propelled vessels of steel construction classed with a Classification Society which is:
1.1 a Member or Associate Member of the International Association of Classification Societies (IACS), or
1.2 a National Flag Society as defined in Clause 4 below, but only where the vessel is engaged exclusively in the coastal trading of that nation (Including trading on an inter-island route within an archipelago of which that nation forms part).
Cargoes and/or interests carried by vessels not classed as above must be notified promptly to underwriters for rates and conditions to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable commercial market terms.
AGE LIMITATION
2). Cargoes and/or interests carried by Qualifying Vessels (as defined above) which exceed the following age limits will be insured on the policy or open cover conditions subject to an additional premium to be agreed.
Bulk or combination carrier over 10 years of age or Other vessels over 15 years of age unless they
2.1 have been used for the carriage of general cargo on an established and regular pattern of trading between a range of specified ports, and do not exceed 25 years of age, or
2.2 were constructed a s containerships, vehicle carriers or double-skin open-hatch gantry crane vessels (OHGCs) and have been continuously used as such on an established and regular pattern of trading between a ranged of specified ports, and do not exceed 30 years of age
CRAFT CLAUSE
3). The requirements of this Clause do not apply to any craft used to load or unload the vessel within the port area.
NATIONAL FLAG SOCIETY
4). A National Flag Society is a Classification Society which is domiciled in the same country as the owner of the vessel in question which must also operate under the flag of that country.
PROMPT NOTICE
5). Where this insurance requires the assured to give prompt notice to the Underwriters, the right to cover is dependent upon compliance with that obligation.
LAW AND PRACTICE
6). This insurance is subject to English law and practice.
The joint cargo committee (JCC) circulated a draft of the revised Institute Classification Clause to a wide audience under its circular JC 2000/0007 dated 29 October 2000. Following this Procedure the JCC received a wide spread of comment relating to the draft. The committee has now agreed the final version of the clause, and a copy, dated 1 January 2001, is attached. The only amendment from the previously circulated draft is a change to the numbering of the sub-clauses under clause 2 to bring it into line with other Institute clauses.The attached drafting notes have also been prepared which outline the major issues dealt with during this latest amendment to the clause. These notes have been updated from those issued on 29 September to clarify some of the issues brought out during the consultation process. The new clause is available for use on new business and renewals with immediate effect.
The Institute Classification Clause 1/8/97 will be withdrawn from circulation on a date to be advised.
Institute Classification Clause 1/1/2001: Drafting Points.
(1) the word "insurance" has been added in Clause 1 to emphasize that non-compliance with the Classification Clause goes directly to the validity of cover and not only to the rate of premium.
(2) The clause refers to "…vessels of steel construction…"the JCC would regard this term as also encompassing vessels constructed of aluminium alloy.
(3) It has been decided by the JCC that it is no longer appropriate to nominate particular classification societies but, instead, to accept all societies who are full or associate members of IACS
(Clause 1.1). Reference is made in a footnote to the current IACS website, which contains a current list of member societies.
(4) Which there is coastal trading (Clause 1.2) the JCC will also recognise classification with National Societies as defined in Clause 4. It should be recognised that, where felt appropriate by underwriters, a National Flag Society could include a governmental maritime authority vested with the power to issue trading licences and certificates.
(5) It is to be noted that vessels not classed with IACS or a national flag society "must be" promptly notified to underwrites. Both rates and conditions must be "separately" agreed.
(6) The JCC has decided to retain the 10 year age limit for bulkers, this being in accordance with the technical advice received and soundings in the international markets through questionnaires. The JCC has decided that, in the light of technical information received, larger tankers over 10 years of age no longer call for special treatment and the age limitation before an AP is payable becomes 16 years.
(7) The JCC has decided to modify the concept of liner trade routes for vessel carrying general cargo to bring it more into line with current trading patterns. The JCC has also introduced in Clause 2.2, after consultation with both insurance markets and shipowners, a completely new concept excepting certain containerships, open hatch gantry crane vessels and vehicle carriers from the age limits, though an upper age limit of 30 yeas is still imposed
(8) cargoes carried by ship's falling within the classification requirements but outside the age limits may ,as before , be insured on cover terms but at rates to be agreed.
(9) underwriters will require other vessels not falling within the accepted classification societies to be notified promptly for rates and conditions to be agreed.
(10) a new clause takes the place of the earlier "held covered" provision. This new clause represents the English law position as to "held covered" as it currently stands, and has the effect of no change from the position under the current wording. It was felt that there had been misunderstandings in some quarters as to what was meant by "held covered" and that some elaboration would be helpful. Evidence of "market terms" would require an exercise to establish what terms might be obtainable in the market place i.e. from a representative sample of underwriters active in the class of underwriting cargo business. The fact that one underwriter might quote for a risk generally regarded as unacceptable by such a representative sample of underwriters, would not avoidance that the risk could be insured at a "reasonable commercial market" rate/terms. The collective view of such a sample would represent the market position.
(11) The Craft Clause (providing that the classification clause does not apply to craft used to load or unload the vessel within the port area) has been updated to omit the words "raft and lighter" as these are included in the word "craft". The new Craft Clause has been added as a note of the end of Classification Clause, where it is more appropriately
(12) In line with the Institute Clauses it made clear that the insurance as subject to English law and practice.
Institute Replacement Clause
In the event of loss of or damage to any part or parts of an insured machine caused by a peril covered by the Policy the sum recoverable shall not exceed the cost of replacement or repair of such part or parts plus charges for forwarding and refitting, if incurred, but excluding duty unless the full duty is included in the amount insured, in which case loss, if any, sustained by payment of additional duty shall also be recoverable.
Provided always that in no case shall the liability of Underwriters exceed the insured value of the complete machine.
Errors and Omissions Clause
The Insured shall not be prejudiced by any unintentional or inadvertent delay or omission in the reporting hereunder or any unintentional error in the amount or description of the Insured Property risk vessel conveyance or voyage or if the Insured Property be shipped by any other vessel if notice be given to Insurers as soon as practicable after such facts become known to the Insured and deficiency of premium if any made good. This insurance shall be affected by the failure of the Insured to comply with any of the warranties or conditions over which they have no control.
Hoisting Extension Clause
It is hereby agreed that this Policy shall be extended to indemnify the Insured against physical loss or damage to the Subject Matter Insured arising accidentally during hoisting. Coverage takes effect when the hoisting operation is started and ceases when the Property Insured has been hoisted and thence to the destined floor.
It is warranted that
(a) the whole hoisting operation must be executed by a professional transportation company,
(b) the weight of the Property Insured being hoisted must not exceed the registered lifting capacity of the lifting or hoisting machine or apparatus.
Subject otherwise to the terms, exceptions and conditions of this Policy.
Primary Insurance Clause
It is agreed that this Policy provides primary cover for the Insured and that in the event of loss or damage covered by this Policy which is also covered under any other policy of insurance taken out by the Insured the Insurers will indemnify the Insured as if such other policy of insurance did not exist.
Warehouse to Warehouse Clause
This insurance attaches from the time the goods hereby insured leave the warehouse or place of storage named in the Policy for the commencement of the transit and continues in force in the ordinary course of transit including incidental transit by craft until the insured goods are delivered to the Consignee’s final warehouse or place of storage at the destination named in the Policy or to any other place used by the Insured for allocation or distribution of the goods. This insurance shall, however, be limited to ( ) days for marine cargo and overland cargo; be limited to ( ) days for cargo by air upon arrival of the insured goods at the final station of discharge before the insured goods reach the consignee’s warehouse.
Temporary & Intermediate Storage ( days)
It is hereby agreed that this policy extends to cover Property insured hereunder while in Bond and/or other stores at destination and then until delivered to final warehouse, all at cover terms.
Marine/CEAR 50/50 clause
Upon arrival at the final destination, goods are to be inspected by the Insured for possible Damage incurred during transit. In case of packed goods which are to be left in their packing until a later date, the packing is to be visually inspected for signs of possible Damage. If any sign of damage is visible, the goods are to be unpacked immediately and inspected. Any Damage discovered is to be reported to the marine section. Any Damage to the goods which becomes manifest only upon their unpacking will be ascribed to the marine section or the construction/erection section according to whether it clearly was caused before or after arrival of the goods at the Location. Where it is not possible to establish whether the Damage was caused before or after arrival of the goods at the Location, it is agreed that settlement will be made 50/50 by the marine and the erection sections.
Transit Accumulation Clause
Should there be any accumulation of the Insured Property beyond the Limits of Indemnity
by reason of
i) transshipment
ii) accumulation after arrival of the overseas vessel at the port or place of discharge
iii) interruption of transit
insurers agree to hold covered such excess amounts up to a maximum of % of the Limits of Indemnity provided any such accumulation shall have arisen from circumstances beyond the control of the Insured and that notice be given in all such cases as soon as known to the Insured.
Machinery Warranty
With respect to machinery, equipment and similar goods that are lost or damaged due to a peril covered elsewhere in this policy and that has been purchased with a manufacturer's warranty, all expenses necessarily incurred to restore or retain such warranty shall constitute a proper charge against this insurance. Such charges shall include freight and handling charges necessarily incurred to return insured goods to original place of manufacturing and then returned to job site.
Civil Authority Clause
Notwithstanding anything contained in this policy, it is understood and agreed that property which is insured under this policy is also covered against the risk of damage or destruction by civil authority during a conflagration or for the purpose of retarding the same; provided that neither such conflagration nor such damage or destruction is caused or contributed to by War perils elsewhere excluded herein.
General Average And Forced Call
In case of forced call of a ship leading to unloading of the goods and reshipment on another ship, the Insurers accept to pay the sojourn and reshipment costs.
Charter Party Clause
Insurers will not take advantage of the clause of the transportation contracts which the Insured may have accepted and which limit the liability of the owner of the vessel and his employees or which exonerate the liabilities of the owners of other means of transport (hoppers & others).This clause is valid notwithstanding the fact the Insured has agreed with the shipping documents.
Multiple Insureds Clause
(i) It is agreed that if the Insured described in the schedule comprises more than one insured party each operating as a separate and distinct entity then (save as described in this Multiple Insureds Clause) cover herein shall apply in the same manner and to the same extent as if individual policies had been issued to each such insured party.
(ii) It is further understood that the insured parties will at all times preserve the various contractual rights and agreements entered into by the insured parties and the contractual remedies of such parties in the event of loss or damage.
(iii) It is understood and agreed that Insurers shall be entitled to avoid liability to or (as may be appropriate) claim damages from any of the insured parties in circumstances of fraud, material misrepresentation, material non-disclosure or breach of any warranty or condition of this policy each referred to in this clause as a vitiating Act.
(iv) It is however agreed that (save as described in this Multiple Insureds Clause) a Vitiating Act committed by one insured party shall not prejudice the right to indemnity of any other insured party who has an insurable interest and who has not committed a Vitiating Act.
(v) Insurers hereby agree to waive all rights of subrogation which they may have or acquire against any insured party or their directors agents or employees or their insurers arising out of any occurrence in respect of which any claim is admitted hereunder or which but for the application of any Deductible mentioned in the Schedule hereto would be made hereunder.
The lenders to the project shall not be entitled to any indemnity under this policy for or arising from loss or damage in respect of which Insurers are by reason of a Vitiating Act no longer liable to indemnity any one or more other insured party.
附加展会费用保险条款
一、保险责任
1、本保险有效期限内，被保险人投保的展品在运输过程中，由于意外事故导致展品未按约定送达目的地造成被保险人参展费用损失，保险人负责赔偿。
2、如政府、海关的过错过失行为导致展品未按约定送达目的地造成被保险人参展费用损失，保险人负责赔偿。针对此范围，具体赔偿限额=此业务年度总保费—此业务的销售费用（保费*30%）—此业务的相关赔款（已决赔款＋未决赔款）。
如政府、海关的过错过失行为造成事故发生，被保险人需在获知保险事故发生后48小时内通知保险人，索赔单证齐全后，在业务合作一年终止后，根据上述公式计算确定赔偿限额后方可确定是否赔付和赔付金额。如按上述公式赔偿限额为零或负数时，保险人对此风险不负赔偿责任。另外，被保险人如就此风险事故进行索赔，由被保险人负责举证。
二、责任免除
下列原因造成的损失和费用，保险人不负责赔偿：
1、不可抗力因素；
2、战争行为、军事活动、政治活动；
3、火灾、水灾、台风、地震等自然灾害发生时；
4、由于飞行物体或飞机造成的意外；
5、工人的罢工或停工；
6、因参展商、展会主办方导致的延迟;
7、任何政府或海关的非过失行政行为及执法行为;
8、任何参展商预期可得受益等间接损失、展品毁损赔偿责任;
9、被保险人的故意或重大过失行为。
三、赔付损失范围
本保险赔付损失范围为参展商已实际支付并无法获得返还的参展费用，包括：参展企业赴国外参展正常需要花费相应的报名费、展位费、人员费（包括往返机票／食宿／签证）、展品运输费等。
四、赔偿限额
每次保险事故赔偿限额以标准展位数确定，但最高不超
过人民币壹佰万元整（RMB1000000.00）。
注：每9㎡展位为1个标准展位。
五、保险费率及保险费
保险费依据每次事故赔偿限额与保险费率计收，并于保
险单上或保险凭证上载明。
六、免赔率
每次保险事故绝对免赔率为损失金额的10%。
注：同一展商、同一批次、同一运输工具下的保险事故为一次保险事故。
七、投保手续及操作流程
投保人每次投保前传真申报“参展商、展会、投保的展位数、运送货物、运送目的地、起止期、约定送达展位日期、展会开幕日、展会闭幕日、运输工具等”，保险人按照国际运输惯例审核该运输时间的合理性后再回传真确认承保。双方确认无误后，保险人出具正式保单。
八、赔偿处理
1、施救
发生意外事故时，被保险人需积极采取防止扩大事故的合理措施，积极施救并认真做好转运前对受损货物进行整理、修改和包装的工作。为了降低损失，发生意外事故时，被保险人向保险人建议并得到保险人书面确认的补货行为等应急措施，所产生的费用纳入施救费用。被保险人应积极配合施救工作，保险责任范围内的合理施救费用由保险人承担。
2、通知
或其代理人赴现场查勘检验，方，由甲方或其代理人赴现场查勘检验，确发生保险责任范围内的事故时，被保险人在获知发生保险事故后48小时内通知保险人或其代理人前去查勘处理。
3、赔偿金额按以下方式确定：
展品迟于投保约定日期送达展位时，即保险事故发生，
视为参展商发生实际损失．
延迟时间(天)＝（展品送达展位的时刻－投保约定送达
展位日期当日12:00 ）/24 （延迟时间以展会天数为限；不足1/2天，不计赔）
展会天数(天)＝展会闭幕日期－展会开幕日期＋１
实际损失＝参展费用*（延迟时间÷展会天数）
赔偿金额=实际损失+施救费用+查勘费用-免赔额
施救费用和查勘费用之和以赔偿限额为限。
4、在向保险人索赔时，必须提供下列单证：
(1) 保险单正本；
(2) 索赔清单；
(3) 报名费、展位费、人员费（包括往返机票／食宿／签证）、展品运输费等有关发票及单据；
(4) 如涉及第三方责任，还需提供向第三方索赔的函电。
九、索赔时效
被保险人向保险人请求赔偿保险金的诉讼时效期间为二年，自其知道或者应当知道保险事故发生之日起计算。
引起的承保航程的丧失和挫折而提出的任何索赔。
三、责任起讫
(一)本保险责任自被保险货物装上保险单所载起运港的海轮或驳船时开始，到卸离保险单所载明的目的港的海轮或驳船时为止。如果被保险货物不卸离海轮或驳船，本保险责任最长期限以海轮到达目的港的当日午夜起算满十五天为限，海轮到达上述目的港是指海轮在该港区内一个泊位或地点抛锚、停泊或系缆，如果没有这种泊位或地点，则指海轮在原卸货港或地点或附近第一次抛锚、停泊或系缆。
(二)如在中途港转船，不论货物在当地卸载与否，保险责任以海轮到达该港或卸货地点的当日午夜起算满十五天为止，俟再装上续运海轮时恢复有效。
(三)如运输契约在保险单所载明目的地以外的地点终止时，该地即视为本保险目的地，仍照前述第（一）款的规定终止责任，如需运往原目的地或其他目的地时，在被保险人于续运前通知保险人并加交保险费的情况下，可自装上续运的海轮时重新有效。
(四)如运输发生绕道，改变航程或承运人运用运输契约赋予的权限所作的任何航海上的改变，在被保险人及时将获知情况通知保险人，在必要时加交保险费的情况下，本保险仍继续有效。
注：本条款系海洋运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
陆上运输货物战争险条款
（火车）
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突所致的损失。
(二)各种常规武器，包括地雷、炸弹所致的损失。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者或其他武装集团的扣押、拘留引起的承保运程的丧失和挫折而提出的任何索赔要求。
三、责任起讫
(一)本保险责任自被保险货物装上保险单所载起运地的火车时开始到卸离保险单所载目的地的火车时为止。如果被保险货物不卸离火车，本保险责任最长期限以火车到达目的地的当日午夜起算满四十八小时为止。
(二)如在运输中途转车，不论货物在当地卸载与否，保险责任以火车到达该中途站的当日午夜起算满十天为止，如货物在上述期限内重新装车续运，本保险恢复有效。
(三)如运送契约在保险单所载目的地以外的地点终止时，该地即视为本保险目的地，仍照前述第（一）款的规定终止责任。
注：本条款系陆上运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
航空运输货物战争险条款
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突所致的损失。
(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。
(三)各种常规武器，包括炸弹所致的损失。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者或其他武装集团的扣押、拘留引起的承保航程的丧失和挫折而提出的任何索赔。
三、责任起讫
本保险责任自被保险货物装上保险单所载起运地的飞机时开始，到卸离保险单所载目的地的飞机为止。如果被保险货物不卸离飞机，本保险责任最长期限以飞机到达目的地的当日午夜起算满十五天为止。如被保险货物在中途港转运，保险责任以飞机到达转运地的当日午夜起算满十五天为止，俟装上续运的飞机时再恢复有效。
注：本条款系航空运输货物保险条款（2009版）（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
邮包战争险条款
（2009版）
一、责任范围
本保险负责赔偿：
(一)直接由于战争、类似战争行为和敌对行为、武装冲突或海盗行为所致的损失。
(二)由于上述第（一）款引起的捕获、拘留、扣留、禁制、扣押所造成的损失。
(三)各种常规武器，包括水雷、鱼雷、炸弹所致的损失。
(四)本条款责任范围引起的共同海损的牺牲、分摊和救助费用。
二、除外责任
本保险对下列各项，不负赔偿责任：
(一)由于敌对行为使用原子或热核制造的武器所致的损失和费用。
(二)根据执政者、当权者或其他武装集团的扣押、拘留引起的承保航程的丧失和挫折而提出的任何索赔。
三、责任起讫
本保险责任自被保险邮包经邮局收讫后自储存处所开始运送时生效，直至该项邮包运达本保险单所载目的地邮局送交收件人为止。
注：本条款系邮包保险条款（2009版）的（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
货物运输罢工险条款
（2009版）
一、责任范围
在保险单注明承保罢工险时，本保险对被保险货物由于罢工者，被迫停工工人或参加工潮、暴动、民众斗争的人员的行动，或任何人的恶意行为所造成的直接损失和上述行动或行为所引起的共同海损的牺牲、分摊和救助费用负赔偿责任。
二、除外责任
本保险对下列各项，不负赔偿责任：
在罢工期间由于劳动力短缺或不能履行正常职责所致的保险货物的损失，包括因此而引起的动力或燃料缺乏使冷藏机停止工作所致的冷藏货物的损失。
注：本条款系各种货物运输保险条款（以下简称“主险条款”）的附加条款，本条款与主险条款中的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。
偷窃、提货不着险条款
（2009版）
本保险对被保险货物遭受下列损失，按保险价值负责赔偿：
1、偷窃行为所致的损失；
2、整件提货不着；
3、根据运输契约规定船东和其他责任方免除赔偿的部分；
被保险人必须及时提货，遇有第1项所列的损失，必须在提货后十日内申请检验；遇有第2项损失，必须向责任方取得整件提货不着的证明，否则，保险人不负赔偿责任。
保险人有权收回被保险人向船东或其他有关责任方面追偿到的任何赔款，但其金额以不超过保险人支付的赔款为限。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
淡水、雨淋险条款
（2009版）
本保险对被保险货物因直接遭受雨淋或淡水所致的损失负责赔偿，但包装外部应有雨水或淡水痕迹或有其他适当的证明。被保险人必须及时提货，并在提货后十天内申请检验，否则，保险人不负赔偿责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
短量险条款
（2009版）
本保险对被保险货物在运输过程中，因外包装破裂或散装货物发生数量散失和实际重量短缺的损失负责赔偿，但正常的途耗除外。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
混杂、沾污险条款
（2009版）
本保险对被保险货物在运输过程中，因混杂、沾污所致的损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
渗漏险条款
（2009版）
本保险对被保险货物在运输过程中，因容器损坏而引起的渗漏损失，或用液体储藏的货物因液体的渗漏而引起的货物腐败等损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
碰损、破碎险条款
（2009版）
本保险对被保险货物在运输过程中因震动、碰撞、受压造成的破碎和碰撞损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
串味险条款
（2009版）
本保险对被保险食物、中药材、化妆品原料等货物在运输过程中，因受其他物品的影响而引起的串味损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
受潮受热险条款
（2009版）
本保险对被保险货物在运输过程中因气温突然变化或由于船上通风设备失灵致使船舱内水气凝结、发潮或发热所造成的损失，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
钩损险条款
（2009版）
本保险对被保险货物在装卸过程中因遭受钩损而引起的损失，以及对包装进行修补或调换所支付的费用，均负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
包装破裂险条款
（2009版）
本保险对被保险货物，在运输过程中因搬运或装卸不慎，包装破裂所造成的损失，以及为继续运输安全所需要对包装进行修补或调换所支付的费用，均负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
锈损险条款
（2009版）
本保险对被保险货物在运输过程中发生的锈损，负责赔偿。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的一般附加险条款。保险责任的成立需受保险单约定的货运险条款的除外责任部分所制约；本条款未尽事宜，以主险条款为准。
进口集装箱货物运输保险特别条款
（2009版）
1、进口集装箱货物运输保险责任按原运输保险单责任范围负责，但保险责任至原保险单载明的目的港收货人仓库终止。
2、集装箱货物运抵目的港，原箱未经启封而转运内地的，其保险责任至转运目的地收货人仓库终止。
3、如集装箱货物运抵目的港或目的港集装箱转运站，一经启封开箱，全部或部分箱内货物仍需继续转运内地时，被保险人或其代理人必须征得保险人同意，按原保险条件和保险金额办理加批加费手续后，保险责任可至转运单上标明的目的地收货人仓库终止。
4、集装箱在目的港转运站，收货人仓库或经转运至目的地收货人仓库，被发现箱体有明显损坏或铅封被损坏或灭失，或铅封号码与提单、发票所列的号码不符时，被保险人或其代理人或收货人应保留现场，保存原铅封，并立即通知保险人进行联合检验。
5、凡集装箱箱体无明显损坏，铅封完整，经启封开箱后，发现内装货物数量规格等与合同规定不符，或因积载或配载不当所致的残损不属保险责任。
6、进口集装箱货物残损或短缺涉及承运人或第三者责任的，被保险人有义务先向有关承运人或第三者取证，进行索偿和保留追索权。
7、装运货物的集装箱必须具有合格的检验证书，如因集装箱不适货而造成的货物残损或短少不属保险责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的货运险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
海运进口货物国内转运期间保险责任扩展条款
（2009版）
一、保险人同意将"海洋运输货物保险条款"规定的保险责任期限扩展如下：
保险货物运至海运提单载明的我国卸货港后，如需转运至国内其他地区，保险人按"海洋运输货物保险条款"规定的保险险别（战争险除外），继续负责转运期间的保险责任，直至所保货物运至卸货港货物转运单据上载明的国内最后目的地
（一）经收货单位提货后运抵其仓库时终止，或
（二）自货物进入承运人仓库或堆场当日零时起算满三十天终止。
以上（一）、（二）两项，以首先发生的一项为准。卸货港等待转运期间的保险责任，以货物全部卸离海轮当日零时起算满六十天终止。如货物不能在六十天内转运，收货或接货单位可在六十天满期前开列不能转运的货物清单，申请展延保险期间。保险人可根据具体情况决定是否同意展延和确定展延的日期。如同意展延，展延期限最长不能超过六十天。在期限届满一百二十天之后，如仍要求继续展延，经保险人同意后，每三十天为一期按保险人规定加费。转运货物在卸货港存放满六十天或经展延保险期间届满而未继续办理保险责任展延申请的，收货或接货单位应即在港口进行检验。如发现货物有短缺或残损，应在保险责任终止之日起十天内通知本公司港口机构进行联合检验。保险人仅对在港口检验确定的货物损失负保险责任。
二、保险人对所有散装货物（如散装油类、粮、糖、矿石、矿砂、废钢铁、废轮胎等）以及化肥，古巴糖，活牲畜，新鲜果菜所负的保险责任，一律按"海洋运输货物保险条款"的规定在卸货港终止，不负责国内转运期间的保险责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
进口关税条款
（2009版）
如被保险货物到达目的港后，因遭受本保险单责任范围以内的损失，而被保险人仍须按完好货物完税时，保险人对该项货物损失部分的进口关税负赔偿责任，但以不超过受损部分的保险价值 为限。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
舱面货物条款
（2009版）
本保险对被保险货物存放舱面时，除按本保险单所载条款负责外，还包括被抛弃或风浪冲击落水在内。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
拒收险条款
（2009版）
一、保险人对被保险货物由于在进口港被进口国的政府或有关当局拒绝进口或没收予以负责，并按照被拒绝进口或没收货物的保险价值赔偿。
二、在被保险货物起运后，进口国宣布实行任何禁运或禁止，保险人仅负责赔偿运回到出口国或转口到其他目的地因而增加的运费。但最多不得超过该批货物的保险价值。
三、本保险的终止，自被保险货物卸离海轮存入卸货港的仓库时为止。或者
(一)被保险货物在目的港卸离海轮满二十天终止；
(二)被保险货物已被进口国的政府或有关当局允许进口时为止。
以首先发生者为准。
四、被保险人保证：
(一)被保险货物的生产、质量、包装和商品检验必须符合产地国和进口国的有关规定。
(二)被保险货物备有一切必需的有效的进口特许证或许可证。
五、保险人对下列原因引起的任何损失，不负赔偿责任：
(一)违反上述第四条中的任何一款；
(二)市价跌落；
(三)被保险货物记载的错误、商标或标记的错误、贸易契约或其他文件发生的错误或遗漏；
(四)违反产地国政府或有关当局关于出口货物的有关规定；
(五)被保险货物在起运前，进口国已经宣布实行禁运或禁止。
六、在发生本保险承保的损失时，被保险人应立即通知保险人，并按照保险人的要求采取一切可能的措施。保险人与被保险人对被拒绝进口或没收货物采取的一切措施都不应视为接受赔偿或放弃索赔的表示。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
黄曲霉素险条款
（2009版）
本保险对被保险货物，在保险责任有效期内，在进口港或进口地经当地卫生当局检验证明，因含有黄曲霉毒素，并且超过了进口国对该毒素的限制标准，必须拒绝进口、没收或强制改变用途时，保险人按照被拒绝进口或被没收部分货物的保险价值或改变用途所造成的损失，负责赔偿。
如发生本条款项下的损失，被保险人同意，在保险人需要时应尽力处理拒绝进口或强制改变用途的货物，或申请仲裁。
本条款不负责由于其他原因所致的被有关当局拒绝进口或没收或强制改变用途的货物的损失。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款
（2009版）
一、所保货物，经运抵目的地香港（包括九龙在内）或澳门，卸离运输工具后，如直接存放于本保险单载明的过户银行所指定的仓库时，本保险单对存仓火险的责任，自运输责任终止时开始，特予继续负责，直至：
（一）、上述银行收回押款解除对货物的权益终止为止，或
（二）、自运输险责任终止时起计满三十天为止，如被保险人在期满前，用书面申请延长并交付所需的保险费后，得予继续延长。
上述（一）、（二）两项应以其中首先发生者为准。
二、如所保货物，卸离运输工具后，不存入上述第一条所载的仓库，而存入其他仓库时，则本保险单责任终止的期限，概按本保险人运输条款的规定办理。本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
易腐货物条款
（2009版）
本保险对所保货物因市场变动所致的损失或由于延迟（不论是否由于所保危险或其他原因所致）而引起的损失或腐败，概不负责。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
交货不到条款
（2009版）
本保险自货物装上船舶时开始，不论由于任何原因，如货物不能在预定抵达目的地的日期起六个月以内交讫，保险人同意按全损予以赔付，但该货物之全部权益应转移给保险人。被保险人保证已获得一切许可证。所有运输险及战争险项下应予负责的损失，概不包括在本条款责任范围之内。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的特别附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
海关检验条款
（2009版）
本保险承保的偷窃、短少损失，以被保险货物到达目的地的海关内为止。如在上述地点发现损失，必须向本保险单所指定的检验、理赔代理人申请检验、确定损失。被保险货物在此以后所遭受的偷窃、短少损失，本保险不负赔偿责任。
本保险单原有的责任起讫的规定应作相应的修正。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
码头检验条款
（2009版）
本保险承保的偷窃、短少损失，以被保险货物到达最后卸货港卸至码头货棚时为止。如在上述地点发现损失，必须向本保险单所指定的检验、理赔代理人申请检验，确定损失。
被保险货物在此以后所遭受的偷窃、短少的损失，本保险不负赔偿责任。
本保险单原有的责任起讫的规定应作相应的修正。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
卖方利益保险条款
（2009版）
本保险系卖方利益保险，负责赔偿货物在遭受本保险单载明承保险别的条款责任范围内的卖方损失。但本保险仅在买方不支付该项受损货物部分的损失时才予赔偿。被保险人应将其向买方或第三者的权利转移给保险人。
如对本保险单项下的任何利益或赔款转让，保险人即解除其全部责任。
本条款系本保单约定的货运险条款（以下简称“主险条款”）的附加险条款。本条款与本保单约定的主险条款的任何条文有抵触时，以本条款为准；本条款未尽事宜，以主险条款为准。
放弃代位追偿权条款
兹经双方同意并约定，保险人同意放弃对本保单项下列明的被保险人、子公司、联营公司、公司董事、公司官员及公司雇员的追偿。
对于本保险单项下的损失，如涉及向上述企业或人员之外的第三者责任方追偿，不管追偿行为发生在保险人赔付给被保险人之前或之后，被保险人都应按照保险人的要求积极配合保险人向责任方追回损失，费用由保险人承担。
WAIVER OF SUBROGATION CLAUSE
The insurer waives all rights of subrogation against each insured hereunder and their respective subsidiaries, affiliates, directors, officers and employees.
Notwithstanding the foregoing, the insured shall at the expense of the insurer do and concur in doing and permit to be done all such acts and things as may be necessary or required by the insurer in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the insurer shall be or would become entitled or subrogated upon their paying for or making good any loss or damage under this Policy. Whether such acts and things shall be or become necessary or required before or after the insured’s indemnification by the insurer.
INSTITUTE WAR CLAUSES (CARGO)
RISKS COVERED
1. - Risks Clause
1 This insurance covers, except as provided in Clauses 3 and 4 below, loss of or damage to the subject-matter insured caused by
1.1 war civil war revolution insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power
1.2 capture seizure arrest restraint or detainment, arising from risks covered under 1.1 above, and the consequences thereof or any attempt thereat
1.3 derelict mines torpedoes bombs or other derelict weapons of war.
2. - General Average Clause
2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from a risk covered under these clauses.
EXCLUSIONS
3. - General Exclusions Clause
3 In no case shall this insurance cover
3.1 loss damage or expense attributable to wilful misconduct of the Assured
3.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured
3.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 3.3 "packing" shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)
3.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured
3.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)
3.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel
3.7 any claim based upon loss of or frustration of the voyage or adventure
3.8 loss damage or expense arising from any hostile use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
4. - Unseaworthiness and Unfitness Exclusion Clause
4.1 In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein,
4.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.
DURATION
5. - Transit Clause
5.1 This insurance
5.1.1 attaches only as the subject-matter insured and as to any part as that part is loaded on an oversea vessel and
5.1.2 terminates, subject to 5.2 and 5.3 below, either as the subject-matter insured and as to any part as that part is discharged from an oversea vessel at the final port or place of discharge, or on expiry of 15 days counting from midnight of the day of arrival of the vessel at the final port or place of discharge, whichever shall first occur; nevertheless, subject to prompt notice to the Underwriters and to an additional premium, such insurance
5.1.3 reattaches when, without having discharged the subject-matter insured at the final port or place of discharge, the vessel sails from, and
5.1.4 terminates, subject to 5.2 and 5.3 below, either as the subject-matter insured and as to any part as that part is thereafter discharged from the vessel at the final (or substituted) port or place of discharge, or on expiry of 15 days counting from midnight of the day of re-arrival of the vessel at the final port or place of discharge or arrival of the vessel at a substituted port or place of discharge, whichever shall first occur.
5.2 If during the insured voyage the oversea vessel arrives at an intermediate port or place to discharge the subject-matter insured for on-carriage by oversea vessel or by aircraft, or the goods are discharged from the vessel at a port or place of refuge, then, subject to 5.3 below and to an additional premium if required, this insurance continues until the expiry of 15 days counting from midnight of the day of arrival of the vessel at such port or place, but thereafter reattaches as the subject-matter insured and as to any part as that part is loaded on an on-carrying oversea vessel or aircraft. During the period of 15 days the insurance remains in force after discharge only whilst the subject-matter insured and as to any part as that part is at such port or place. If the goods are on-carried within the said period of 15 days or if the insurance reattaches as provided in this Clause 5.2
5.2.1 where the on-carriage is by oversea vessel this insurance continues subject to the terms of these clauses, or
5.2.2 where the on-carriage is by aircraft, the current Institute War Clauses (Air Cargo) (excluding sendings by Post) shall be deemed to form part of this insurance and shall apply to the on-carriage by air.
5.3 If the voyage in the contract of carriage is terminated at a port or place other than the destination agreed therein, such port or place shall be deemed the final port of discharge and such insurance terminates in accordance with 5.1.2. If the subject-matter insured is subsequently reshipped to the original or any other destination, then provided notice is given to the Underwriters before the commencement of such further transit and subject to an additional premium, such insurance reattaches
5.3.1 in the case of the subject-matter insured having been discharged, as the subject-matter insured and as to any part as that part is loaded on the on-carrying vessel for the voyage;
5.3.2 in the case of the subject-matter not having been discharged, when the vessel sails from such deemed final port of discharge; thereafter such insurance terminates in accordance with 5.1.4.
5.4 The insurance against the risks of mines and derelict torpedoes, floating or submerged, is extended whilst the subject-matter insured or any part thereof is on craft whilst in transit to or from the oversea vessel, but in no case beyond the expiry of 60 days after discharge from the oversea vessel unless otherwise specially agreed by the Underwriters.
5.5 Subject to prompt notice to Underwriters, and to an additional premium if required, this insurance shall remain in force within the provisions of these Clauses during any deviation, or any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment. (For the purpose of Clause 5 "arrival" shall be deemed to mean that the vessel is anchored, moored or otherwise secured at a berth or place within the Harbour Authority area. If such a berth or place is not available, arrival is deemed to have occurred when the vessel first anchors, moors or otherwise secures either at or off the intended port or place of discharge "oversea vessel" shall be deemed to mean a vessel carrying the subjectmatter from one port or place to another where such voyage involves a sea passage by that vessel)
6. - Change of Voyage Clause 6 Where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.
7. - Nullification 7 Anything contained in this contract which is inconsistent with Clauses 3.7,3.8 or 5 shall, to the extent of such inconsistency, be null and void.
CLAIMS
8. - Insurable Interest Clause
8.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.
8.2 Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.
9. - Increased Value Clause
9.1 If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
9.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
BENEFIT OF INSURANCE
10. - Not to Inure Clause
10 This insurance shall not inure to the benefit of the carrier or other bailee.
MINIMISING LOSSES
11. - Duty of Assured Clause
11 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
11.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
11.2 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.
12. - Waiver Clause
12 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
13. - Reasonable Despatch Clause
13 It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
14. - English Law and Practice Clause
14 This insurance is subject to English law and practice.
INSTITUTE CARGO-STRIKES CLAUSES
RISKS COVERED
1. - Risks Clause
1 This insurance covers, except as provided in Clauses 3 and 4 below, loss of or damage to the subject-matter insured caused by
1.1 strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions
1.2 any terrorist or any person acting from a political motive.
2. - General Average Clause
2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from a risk covered under these clauses.
EXCLUSIONS
3. - General Exclusions Clause
3 In no case shall this insurance cover
3.1 loss damage or expense attributable to wilful misconduct of the Assured
3.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured
3.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 3.3 "packing" shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)
3.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured
3.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)
3.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel
3.7 loss damage or expense arising from the absence shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot or civil commotion
3.8 any claim based upon loss of or frustration of the voyage or adventure
3.9 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
3.10 loss damage or expense caused by war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.
4. - Unseaworthiness and Unfitness Exclusion Clause
4.1 In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.
4.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.
DURATION
5. - Transit Clause
5.1 This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either,
5.1.1 on delivery to the Consignees' or other final warehouse or place of storage at the destination named herein,
5.1.2 on delivery, to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either
5.1.2.1 for storage other than in the ordinary course of transit or
5.1.2.2 for allocation or distribution, or
5.1.3 on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge whichever shall first occur.
5.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.
5.3 This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 6 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment.
6. - Termination of Contract of Carriage Clause
6 If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 5 above, then this insurance shall also terminate unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters, either
6.1 until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first, occur, or
6.2 if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 5 above.
7. - Change of Voyage Clause
7 Where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.
CLAIMS
8. - Insurable Interest Clause
8.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.
8.2 Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.
9. - Increased Value Clause
9.1 If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
9.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.
BENEFIT OF INSURANCE
10. - Not to Inure Clause
10 This insurance shall not inure to the benefit of the carrier or other bailee.
MINIMISING LOSSES
11. - Duty of Assured Clause
11 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
11.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
11.2 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.
12. - Waiver Clause
12 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
13. - Reasonable Despatch Clause
13 It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
14. - English Law and Practice Clause
14 This insurance is subject to English law and practice.
IT CLARIFICATION CLAUSE
Property damage covered under this Insurance shall mean physical damage to the substance of property.
Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure.
Consequently the following are excluded from this Insurance:
A.Loss of or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered.
B.Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting form such loss or damage.
Institute war cancellation clause (CARGO)
The cover against war risks (as defined in the relevant Institute War Clauses) may be cancelled by either the Underwriters or the Assured except in respect of any insurance which shall have attached in accordance with the conditions of the Institute War Clauses before the cancellation becomes effective. Such cancellation shall however only become effective on the expiry of 7 days from midnight of the day on which notice of the cancellation is issued by or to the Underwriters.
INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith
1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from
1.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel
1.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
1.3 any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
1.4 the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes
1.5 any chemical, biological, bio-chemical, or electromagnetic weapon.
INSTITUTE CYBER ATTACK EXCLUSION CLAUSE
Subject only to clause 1.2 below, in no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, malicious code, computer virus or process or any other electronic system.
Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive, Clause 1.1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer, computer system or computer software programme or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.
INSTITUTE CHEMICAL, BIOLOGICAL, BIO-CHEMICAL, ELECTROMAGNETIC WEAPONS AND CYBER ATTACK EXCLUSION CLAUSE
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith
1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from
1.1 any chemical, biological, bio-chemical or electromagnetic weapon
1.2 the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, computer virus or process or any other electronic system.
TERMINATION OF TRANSIT CLAUSE (TERRORISM) JC2001/056 20th November, 2001
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.
1. Notwithstanding any provision to the contrary contained in this Policy or the Clauses referred to therein, it is agreed that in so far as this Policy covers loss of or damage to the subject-matter insured caused by any terrorist or any person acting from a political motive, such cover is conditional upon the subject-matter insured being in the ordinary course of transit and, in any event, SHALL TERMINATE:
either
1.1 As per the transit clauses contained within the Policy,
or
1.2on delivery to the Consignee’s or other final warehouse or place of storage at the destination named herein,
1.3on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either for storage other than in the ordinary course of transit or for allocation or distribution,
or
1.4in respect of marine transits, on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge,
1.5in respect of air transits, on the expiry of 30 days after unloading the subject-matter insured from the aircraft at the final place of discharge,
whichever shall first occur.
2.If this Policy or the Clauses referred to therein specifically provide cover for inland or other further transits following on from storage, or termination as provided for above, cover will re-attach, and continues during the ordinary course of that transit terminating again in accordance with clause 1.
3. This clause is subject to English law and practice.
ELECTRONIC DATA EXCLUSION CLAUSE
This policy is not liable for claims arising directly or indirectly out of Electronic Data. ELECTRONIC DATA means facts, concepts and information converted to a form useable for communications, display, distribution, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programmes, software and other coded instructions for such equipment. Where 'property' or 'Property' are used in the Policy, they do not include Electronic Data.
Absolute Theft Exclusion Clause
This policy excludes absolutely loss or damage due to theft of or from any vehicle and/or trailer and/or container left loaded and unattended.
Accumulation Clause
The limits of liability expressed herein shall not apply in the event of or during transhipment of or after the arrival" of the oversea vessel or conveyance at the port or place of discharge provided always that any accumulation of interests during the ordinary course of transits beyond such limits of liability shall not have arisen from circumstances within the control of the Assured.
Should there be any other accumulation of interests beyond such limits of liability by reason of interruption of transit &lor other circumstances beyond control of the Assured, Underwriters shall, provided notice be given in all such cases as soon as known to the Assured, hold covered such excess amount and be liable for the full amount at risk but in no event shall Underwriters be liable hereunder for more than double the limits of liability expressed herein.
Airfreight Replacement Clause
In the event of loss or damage to insured goods covered hereunder, Insurers agree to pay cost of airfreighting the damaged goods to manufacturers for repair and return &/or the airfreighting of replacement goods to destination notwithstanding that the insured goods were not originally despatched by airfreight.
Alarm and Protections Clause
It is a condition precedent to the liability of the Underwriters under this insurance that:
a) the premises containing the insured property are fitted with a burglar alarm system approved by the Underwriters, and that no withdrawal, alteration or variation of the system, or any structural alteration which might affect the system, shall be made without the consent of the Under- writers.
b) the burglar alarm system and all locks and padlocks shall have been put into full and effective operation at all times when the Insured's premises are closed for business, and at all other appropriate times.
c) the burglar alarm system shall have been maintained in good order throughout the currency of this insurance under a maintenance contract with the installing company.
d) all other protections provided for the safety of the insured property shall be maintained in good order throughout the currency of this insurance and that they are in full effective operation at all appropriate times.
e) all keys and duplicate keys relative to the above alarm and protections are removed from the premises, when the premises are closed for business, and at all other appropriate times, and
f) immediate advice be given to the Underwriters of any notice of with-drawal of police or any other security force or protection.
Alarm Warranty
Warranted that the alarm system fitted to the vehicles owned by, hired by or under the control of the insured is maintained in full and working order at all times and is tested and set whenever the vehicle is left loaded and unattended.
Antiques Clause
In the event of damage to antique items and/or works of art insured hereunder, liability is restricted to the reasonable cost of repairs and no claim is recover- able in respect of depreciation. In no case shall liability hereunder for such repairs exceed the sum insured bears to the total value of the insured property.
Attachment and Termination of Cover
The Insurance hereunder attaches from the time the subject-matter becomes at the Assured's risk or the Assured assumes interest and continues during delays during transit &lor after discharge at the final port or airport irrespective of whether such delays are within or beyond the Assured's control and terminates either on;
1. Delivery to the consignee's or other final warehouse at the place where the transit covered hereunder is intended to cease.
or
2. The expiry of 60 days after completion of discharge over-side from the overseas vessel or aircraft, at the final port or airport of discharge.
whichever shall first occur .
Including risks in customs as required, and transhipment, craft and barge risks, whether customary or otherwise.
Also including loss of or damage to the subject-matter during loading prior to despatch and unloading after arrival at the Assured's or consignee's premises and, in the case of containers, during the stuffing and un-stuffing thereof.
Average Clause
This Policy is subject to the Conditions of Average, that is to say, if the property covered by this insurance shall at the time of any loss be of greater value than the sum insured hereby, the Assured shall only be entitled to receive hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said property.
Brands Clause
The Assured shall have full rights to possession of all goods bearing embossed or indented brands or labels or other permanent markings identifying the Assured as the manufacturer thereof, or exclusive &lor secret formulas that may be involved in any loss hereunder, and shall return control of all such goods.
On shipments covered under this Policy, Insurers are to pay a total loss on any and all goods &lor containers damaged by perils insured against which the Assured elects to either destroy or return to their factory, or recondition, Insurers being entitled to such salvage as may be obtained.
The Assured, exercising a reasonable discretion shall be the sole judge as to whether the goods involved in any loss hereunder are suitable for marketing and no goods deemed by the Assured to be unfit for marketing shall be sold or otherwise disposed of except by the Assured or with the Assured's consent, but the Assured shall allow Insurers any salvage obtained on any sale or other disposition of such goods.
Buyer's Contingency Clause -C I F
This policy extends to cover the Insured's Interest in all imports purchased by them on CIF or similar terms but only in respect of loss or damage to the goods as provided for under the terms and conditions of this Policy and only to the extent that the Insured is unable to recover such loss under the ins~rance effected by the seller.
Warranted the existence of this insurance not to be disclosed to the seller or other parties interested in the shipment
Warranted this insurance not to be deemed a double insurance.
It is a condition of this insurance that the Insured give immediate notice to the company of any known loss or damage to the goods insured or any circumstances known to them which may render this cover effective.
Upon settlement of any claim hereunder all the Insured's rights of recovery against the seller and any third parties will be subrogated to the Company.
Buyers Contingency Clause FOB C&F
Notwithstanding the responsibilities of the seller on interest purchased F.O.B or C&F (or any similar terms of sale whereby the seller is responsible for part or all the transit risks within the country of origin) the Assured has the right to hereby insure the interest from the interior at the place of origin as though the purchase was ex works subject to the terms and conditions of this Policy.
However the Assured only has the right to claim hereunder providing that:
a) He has suffered a pecuniary loss.
b) He has taken all reasonable steps to invoke the contract of sale and the
responsibilities thereunder and has attempted to recover from the seller &/or seller's insurers, and pecuniary loss which he has suffered by reason of loss or damage to the subject-matter from a peril insured against during the currency of the Policy.
c) He has not divulged the existence of this insurance to the seller or the seller's insurers.
If by reason of this extension, the Underwriters are called upon to pay a claim the Assured subrogates all his rights and remedies to the Underwriters who have the right to sue or proceed in any way against the seller or the seller's insurers, either in their own name or the name of the Assured.
This extension does not cover pecuniary loss by reason of Exchange Control Regulations which apply in the country of the seller or any other country on route to the port/place of loading.
Buyers Interest Contingency (Difference in Conditions) Clause
Where goods consigned to or for the Insured's account have already been insured elsewhere but on terms which are more restrictive than that which would be provided hereunder or where the Insured is unable to obtain settlement of legitimate claims under the insurance arranged elsewhere then such goods shall be covered on terms and conditions that shall apply hereunder subject to the following.
a) Disclosure of the existence of this insurance to any third party shall render it null and void.
b) The Insured has suffered a pecuniary loss.
c) This insurance is for the benefit of the Insured hereunder only and not to be treated as double insurance.
d) Upon settlement of any claim hereunder Underwriters will be subrogated to all rights and remedies of the Insured against all third parties including the Insured's suppliers and such rights will be assigned to Underwriters.
To include the transit from port or airport in the country of destination to final destination should cover under the insurance arranged elsewhere cease at said port or airport.
When required by the Insured Insurers agree to supply General Average Guarantee or refund General Average Deposits.
Cancellation Clause
This cover may be reviewed &lor cancelled by either party having given in writing 30 days notice, but 7 days in respect of War, Strikes, Riots and Civil Commotions but 48 hours for Strikes, Riots and Civil Commotions in respect of sendings to or from the USA. Notwithstanding the foregoing changes in the Institute Cargo Clauses &lor other Institute Clauses contained herein are subject to market notice of cancellation. Note. Such cancellation however shall not apply to any transit risk or risks which shall have attached at the time such cancellation becomes effective.
Claims Co-Operation Clause
Notwithstanding anything contained herein to the contrary it is a condition precedent to any liability under this policy that:
a) The reinsured shall upon knowledge of any loss(es) or occurrence(s) which may give rise to a claim recoverable hereunder advise the reinsurers thereof as soon as practicable.
b)The reinsured shall furnish the reinsurers with all information available respecting such loss(es) or occurrence(s) and shall co-operate with the reinsurers in the appointment of Adjusters, Assessors and/or Surveyors and in all negotiations, adjustments and settlements.
Clause Paramount
Notwithstanding anything contained herein to the contrary it is noted and agreed that irrespective of any Declaration/Certificate of Insurance made out to the Country , Airport or Port of Discharge and the interest Insured is actually consigned to a destination in the country concerned other than the Airport or Port of Discharge, then the insurance shall remain in force during the ordinary course of transit to that final destination as per the Duration Clause of the Institute Cargo Clauses applicable.
Climatic Conditions Clause
No claim to attach hereto for loss or damage caused by climatic and/or atmospheric conditions and/or extremes of temperature, unless such claim would be recoverable under Institute Cargo Clauses (C). No claim to attach hereto for breakage of strings, reeds and/or drumheads in respect of musical instruments.
Concealed Damages Clause
It is agreed that any loss or damage discovered on opening containers, cases &for package within sixty days of the cessation of risk hereunder shall be deemed to have occurred during the transit Insured hereunder (and irrespective of attachment of Insured's interest) and shall be paid for accordingly unless proof conclusive to the contrary be established, it being understood that any containers, cases &for packages showing visible signs of damage are to be opened immediately on the cessation of risk hereunder .
It is further agreed that subject to prompt advice to Underwriters and the payment of an Additional Premium, if required, the above mentioned period may be extended.
Condensation/Contamination Clause
Including condensation damage and damage caused by change in temperature, humidity or contamination, interruption of power, heat, airconditioning or refrigeration howsoever arising.
Containers On-Deck Clause
Containerised shipments in &lor over, cover to include jettison, washing and loss overboard at rates as for underdeck cargo. BUT conventionally packed cargo shipped on deck cover to include jettison, washing and loss overboard, at 150% of cover rate.
Contingency Conditions
1. This Open policy is extended to cover the contingent insurable interest of the unpaid seller in respect of sendings of interests described herein where the terms of the contract of sale state that the buyer has responsibility to arrange insurance prior to arrival of the overseas vessel or air- craft at the intended port or airport of destination.
2. The interests described herein are insured on policy conditions and insurers agree to grant, against this Open policy, cover retrospective to the commencement of the transit in the event of ownership and/or responsibility for the goods remaining with, or reverting to, the seller if one or more of the following contingencies occur:
i) The buyer fails or refuses to accept, or is prevented from accepting, the documents of title.
ii) The buyer fails or refuses to accept, or is prevented from accepting, the whole consignment.
iii) The seller exercises a right of lien on the goods, or interrupts their transit, or suspends the sale contract whilst the goods are in transit, when this is reasonable to safeguard his interests.
3. Warranted that the seller shall advise the insurers immediately he becomes aware of any circumstances which may give rise to the occurrence of one or more of the contingencies in Clause 2 above.
4. The seller shall take all reasonable steps to protect the cargo, to enforce the sale contract, or if this is not possible, to expedite sale of the goods to another party or their return to the seller.
5. Warranted that the existence of this insurance shall not be disclosed to the buyer or any other interested party.
6. Notwithstanding anything to the contrary contained herein the period of cover available under this section of the Open policy shall not extend beyond 60 days after completion of discharge overside of the goods from the oversea vessel at the final port of discharge or at any intermediate port where such discharge does not form a normal part of the voyage stated in the Bill of Lading except that where notice is given to insurers within the above period of 60 days extension to the cover granted may be arranged at rates and on conditions to be agreed.
7. All rights and benefits of any actions which the seller may possess or acquire against the buyer and/or the buyer's insurers, and/or carrier(sl and/or other persons are to be subrogated to the insurers.
8. This insurance to be for the benefit of the Insured hereunder only and not to be treated as double insurance.
9. Any assignment of this insurance or any interest or claim hereunder shall discharge Underwriters from all liability whatsoever.
Cutting Clause
In the event of a claim for breakage, Underwriters shall only be liable for the broken or damaged part of each pipe, and this Policy shall only pay for such broken part or parts, provided that the damage be such that it is practicable to use the sound portion or portions for the purpose which they were originally intended.
Declaration Delay, Error Or Omission Clause
The Insured shall not be prejudiced by any unintentional delay, error or omission in the declaration or reporting hereunder of the amount or description of the interest, vessel or voyage, or if the subject matter of the insurance be shipped by any other vessel/conveyance or any fact relative to this insurance, if notice be given to Underwriters when practicable after said facts become known to the Insured and a balance of premium, if any made goods.
Declaration Clause
The Assured warrant that during the currency of this Policy they will declare each and every shipment prior to the commencement of transit or inception of the risks or soon thereafter as may be practicable (on forms supplied) before a known loss all shipments to which this Policy attaches. Failure to do so declare shall at the Company's option render this Policy null and void as from the date of such failure.
Declined Goods Clause
Subject to prompt notice being given to Underwriters and payment of any Additional Premium as required:
1. This insurance is extended in respect of those sendings declared hereunder, to include goods declined by a consignee. Cover to remain in force for up to three months whilst goods are stored awaiting on-shipment to an alternative buyer &lor returned to the original consignor or other nominated destination.
2. This insurance shall also extend to include goods found to be damaged on arrival at an intermediate point or final destination, whilst stored pending sale or disposal &lor transit to an alternative buyer or returned to the original consignor or nominated destination.
Deliberate Damage (Pollution Hazard) Clause
This Policy is extended to cover, but only whilst the property insured is on board a waterborne conveyance, loss of or damage to the said property directly caused by governmental authorities acting for the public welfare to prevent or mitigate a pollution hazard or threat thereof, provided that the accident or occurrence creating the situation which required such governmental action would have resulted in a recoverable claim under the Policy (subject to all of its terms, conditions and warranties) if the property insured would have sustained physical loss or damage as a direct result of such accident or occurrence.
This Clause shall not increase the limits of liability provided for elsewhere herein.
Depreciation Clause
In the event of damage to the interest insured hereunder, liability is restricted to the reasonable cost of repairs and no claim is recoverable in respect of depreciation. In no case shall liability hereunder for such repairs exceed the
sum insured in respect of the damaged article.
Documents, Slides and Prints Clause
Liability hereunder is limited to costs necessarily incurred in replacing the insured interest lost or damaged by a peril insured against, or to the sum insured herein, whichever is the lesser amount.
Excluding faults resulting from processing.
Excluding Wear, Tear and Gradual Deterioration.
Subject to an excess of 1.00% of the total sum insured each and every loss.
Duty Clause
On increased value of cargo by reason of payment of duty at the port or place of destination.
Subject to the same clauses and conditions as the insurance on cargo and to pay the same percentage of loss (excluding charges and expenses as may be paid thereon, but excluding claims in respect of;
(a) Total loss of whole or part of the cargo prior to the duty becoming payable.
(b) General Average, salvage &lor salvage charges arising from any casualty occurring prior to the duty becoming payable.
In ascertaining the amount of claim recoverable hereunder, credit shall be given for any rebate or refund of duty which may become allowable.
Exhibition Expenses Clause
It is agreed to include loss of incurred exhibition expenses up to but not exceeding ￡2,500 each exhibit or exhibition arising from failure of the exhibitor to exhibit the insured goods due to the operation of a peril insured under the transit section of this contract or due to the abandonment of the exhibition by the exhibitor or cancellation of the exhibition by the promoter due in either case to the operation of a peril covered by the transit section of the contract. In no circumstances, however, does this contract cover:-
a. Loss of expenses arising from withdrawal of labour .
b. Cancellation of the exhibition due to an outbreak of war (whether declared or not) or through fear of hostilities.
Exhibition Risks Clause
This insurance is extended to include on cover conditions the insured property whilst in transit to and from exhibition &lor demonstration site and whilst the insured property remains on such premises during unpacking, assembly, awaiting and on exhibition, dismantling, repacking and lifting for removal from the exhibition site. Subject to a limit anyone exhibition as stated in the Policy schedule.
Including computer equipment the property of the Insured &lor their employees up to a maximum of ￡2,500 anyone exhibition.
Including loss &lor damage to employees clothing and personal effects subject to a limit of ￡250 anyone employee and an excess of ￡25 each employee per incident.
Excluding credit cards, cheques, cash, bank notes, tickets, vouchers or similar. Notwithstanding anything contained herein to the contrary, this insurance excludes:-
1. Wear, tear and Gradual Deterioration.
2. Loss or damage arising from latent defect or arising from faulty assembly or construction.
3. Loss or damage resulting directly from mechanical, electrical or manual operation of the insured property for demonstration or other purposes.
4. Theft &lor pilferage from unattended exhibition stand.
5. Theft &lor pilferage from unattended exhibition site unless following forcible or violent entry or exit to the premises.
Periods at exhibition site in excess of 60 days held covered on terms to be agreed.
Warranted repacked to not less than same standard as for outward journey and that repacking is supervised by a responsible official of the Insured.
First Loss Clause
In the event that the amount at risk in anyone location, in the normal course of transit, exceeds the limit expressed above, this Contract shall become a first loss insurance up to the amount of such limit.
F.O.B Clauses
RISKS COVERED
1. This insurance covers, except as provided in Clause2 and 3 below,
1.1 all risks of loss of or damage to the subject matter insured
1.2 loss of or damages to the subject matter insured caused by
1.2.1 strikers, locked out workmen, or persons taking part in labour disturbances, riot or civil commotions
1.2.2 any terrorist or any person acting from a political motive.
EXCLUSIONS
2 In no case shall this insurance cover
2.1 loss damage or expense attributable to wilful misconduct of the Assured
2.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured.
2.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject matter insured (for the purpose of this Clause 2.3 "packing" shall be deemed to include stowage in a container or liftvan but when such stowage is carried out prior to attachment of this Insurance or by the Assured or their servants)
2.4. loss damage or expense caused by inherent vice or nature of the subject-matter Insured.
2.5 loss damage or expense proximately caused by delay, even through the delay be caused by a risk insured against.
2.6 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or other like reaction or radioactive force or matter.
2.7 Loss damage or expense arising from the absence shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot and civil commotion.
3 In no case shall this Insurance cover loss, damage or expense caused by
3.1 war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.
3.2 capture, seizure, arrest, restraint or detainment and the consequences thereof or any attempt thereat.
3.3 derelict weapons of war.
DURATION
4. This Insurance attaches from the time the subject matter Insured leaves the warehouse or place of storage for the commencement of the transit, continues during the ordinary course of transit until delivered on board the export steamer at port of shipment, including the risk whilst remaining on quays or wharves and/in warehouses (other than packers warehouse) or sheds whilst awaiting shipment for a period not exceeding 30 days. Any period in excess of 30 days held covered at a rate to be agreed.
CLAIMS
5. In order to recover under this Insurance, the Assured must have an Insurable Interest in the subject matter insured at the time of the loss.
BENEFIT OF INSURANCE
6. This Insurance shall not inure to the benefit of the carrier or other bailee or any Fire insurance policy or policies, carriers Liability insurance or Marine insurance policy or policies covering goods from warehouse in Great Britain to warehouse or destination overseas.
MINIMISING LOSS
7. It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
7.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
7.2 to ensure that all rights against carriers, bailees or 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.
8. Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
9. It is a condition of this Insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
10. This Insurance is subject to English Law and Practice.
NOTE: It is necessary for the Assured when they become aware of the event which is held covered under this insurance to give prompt notice to the Company and the right to such cover is dependent upon compliance with this obligation.
Extended Conditions (Fruit Clause)
Including loss or damage caused by a breakdown of the machinery of the ship &lor craft &lor refrigerated machinery &lor ventilating machinery &lor installations &lor insulation &lor piping &lor leakage of piping &lor defective insulation.
To pay all damage or depreciation owing to or in consequence of any of the insured perils. Also to pay damage to, or depreciation of the interest hereby insured arising from delay provided such delay be caused by any of the insured perils, or by total or partial disablement of the vessel (or craft). It is expressly declared and agreed that damage or depreciation arising from delay is only protected when the cargo is actually on board the vessel (or craft) at the time of the accident giving rise to the delay.
To pay the reasonable cost of extra coal &lor fuel &lor expenses incurred as a direct result of the operation of a peril covered by the policy in any port of refuge or elsewhere in keeping refrigerating machinery running to prevent loss &lor damage to produce.
Notwithstanding anything contained herein to the contrary the following risks are especially covered by the Policy.
(a) Risk of collapse, subsidence &lor floods whilst on shore.
(b ) Whilst in transit by rail &lor road to include all risks of collision, derailment, fire or loss incurred through damage to insulation of the vans from an accident, also loss through delay arising from breakdown of the engines &lor train &lor vehicle.
(c) Including loss, damage &lor expense resulting from explosion however caused.
(d) Loss &lor damage &lor deterioration to cargo resulting from negligent operation &lor defective conditions to the vessel &lor craft &lor conveyance &lor propelling &lor refrigerating &lor auxiliary machinery &lor insulating plant &lor pipes &lor boilers &lor equipment &lor negligent stowage.
(e) Including damage caused by sea &lor fresh water, sweat &lor condensation also by other cargo of foreign matter, oil,vermin, rats and mice.
(f) Depreciation in value caused solely by damage to cartons packaging.
Fumigation Clause
Should cargo be fumigated cover shall include:-
a) The costs incurred in the fumigation operation provided such operation is outside
of or additional to any normal procedure and the need for such operation is brought about by the operation of or insured peril.
b) Damage resulting from the fumigation operation.
c) The above shall be payable irrespective of whether actual infestation has been identified as being in existence.
General Average and Salvage Charges Clause
This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment &lor the governing law and practice (or, if there is no contract of affreightment, according to Foreign Statement or to York-Antwerp Rules) incurred to avoid or in connection with the avoidance of loss from any cause except those specifically excluded here from.
For the purpose of claims for general average contributions and salvage charges recoverable hereunder, the subject-matter insured shall be deemed to be insured for its full contributory value.
General average deposits shall be payable on production of general average deposit receipts.
Glass Clause
Excluding breakage of glass but including damage caused by breakage of glass.
Goods in Vehicles Under The Control of the Insured & / or Their Employees:
Limit Any One Vehicle ￡750,000 *
* Amounts in excess of this figure subject to terms and conditions to be agreed prior to attachment of risk.
AT ANY TIME PRIOR TO OR AFTER COMPLETION OF THE WORKING DAY OR ON NON-WORKING DAYS
Excluding any loss or destruction of or damage to the Insured property arising from theft or any attempt thereat whilst on or contained in any vehicle when left unattended:
unless it is reasonably possible for such vehicle to be, and such vehicle is either:
1. Garaged at the time in a fully enclosed building of substantial construction which is locked or under constant supervision OR
2. In a vehicle security park which is permanently attended OR
3. In any other agreed location OR
4. Is under constant surveillance by the driver or on other responsible person authorised by the Insured. .
In which case theft cover will apply.
If it is not reasonably possible to comply with any of the above alternatives, it is a condition of this Policy Insured property if portable shall be removed from the vehicle to a private dwelling house, hotel room or other secure premises and theft cover will then be operative following forcible &/or violent entry or exit but not otherwise.
If the Insured cannot comply with the above requirements, and provided the Insured nevertheless take reasonable precautions to prevent or minimise the risk of theft, indemnity shall be provided for loss or destruction of or damage to the Insured property attributed too theft or any attempt thereat, but any settlement shall be subject always to a 80%/20% co- insurance between Underwriters and the Insured.
Immobilizer Clause
It is a condition precedent to liability hereunder that all vehicles and/or trailers and/or containers owned by, hired by or under the control of the Insured are fitted with an immobilizer approved by the Company and that the said immobilizer is put into full and effective operation whenever the vehicle and/or trailer and/or container is left loaded and unattended.
Impairment of Recovery
In case of any agreement or act by the Assured whereby any of their right to recover for loss of or damage to any property insured herein against any carrier or bailee is released, impaired or lost, which would on acceptance of abandonment or payment of a loss by the Insurers could have inured to its benefit but for such agreement or act, the Insurer shall not be bound to pay that portion of the loss which would have been recoverable from the carrier or bailee.
Important Clause in Respect of Claims Only
PROCEDURE IN THE EVENT OF LOSS OR DAMAGE FOR WHICH THE COMPANY MAY BE LIABLE
LIABILITY OF CARRIERS, BAILEES OR OTHER THIRD PARTIES
It is the duty of the Assured and their Agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimising a loss and to ensure that all rights against Carriers, Bailees or other third parties are properly preserved and exercised. In particular, the Assured or their Agents are required:
1. To claim immediately on the Carriers, Port Authorities or other Bailees for any missing packages.
2. In no circumstances, except under written protest, to give clean receipts where goods are in doubtful condition.
3. When delivery is made by Container, to ensure that the Container and its seals are examined immediately by their responsible official. If the Container is delivered damaged or with seals broken or missing or with seals other than as stated in the shipping documents, to clause the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification.
4. To apply immediately for survey by Carriers' or other Bailees' Representatives if any loss or damage be apparent and claim on the Carriers or other Bailees for any actual loss or damage found at such survey.
5. To give notice in writing to the Carriers or other Bailees within 3 days of delivery if the loss or damage was not apparent at the time of taking delivery .
Increased Value on Arrival
Increased value of cargo by reason of liability for and/or payment of freight and/or duty and/or any charges on arrival at the place where these or any of them become due. This policy covers all the risks and embodies all the liberties clauses and conditions of the insurance on the cargo described above and is to be for the duration of such insurance on such cargo.
This policy is to pay the same proportion of the amount of insurance hereunder as the sum paid on the cargo insurance referred to above bears to the amount of such cargo insurance except that until the liability to pay freight and/or duty and/or charges arises this policy only covers particular and/or general average loss (other than Liability for General Average expenditure' of the cargo described above. Should the liability to pay freight and/or duty and/or charges be extinguished or diminished, then this insurance in the proportion of such extinction or diminution shall be deemed to be reduced.
Inland Transit Clause
RISKS COVERED
1. This insurance covers, except as provided in Clause2 and 3 below,
1.1 all risks of loss of or damage to the subject matter insured
1.2 loss of or damages to the subject matter insured caused by
1.2.1 strikers, locked out workmen, or persons taking part in labour disturbances, riot or civil commotions
1.2.2 any terrorist or any person acting from a political motive.
EXCLUSIONS
2 In no case shall this insurance cover
2.1 loss damage or expense attributable to wilful misconduct of the Assured
2.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured.
2.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject matter insured (for the purpose of this Clause 2.3 "packing" shall be deemed to include stowage in a container or liftvan but when such stowage is carried out prior to attachment of this Insurance or by the Assured or their servants)
2.4. loss damage or expense caused by inherent vice or nature of the subject-matter Insured.
2.5 loss damage or expense proximately caused by delay, even through the delay be caused by a risk insured against.
2.6 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or other like reaction or radioactive force or matter.
2.7 Loss damage or expense arising from the absence shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot and civil commotion.
3 In no case shall this Insurance cover loss, damage or expense caused by
3.1 war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.
3.2 capture, seizure, arrest, restraint or detainment and the consequences thereof or any attempt thereat.
3.3 derelict weapons of war.
DURATION
4. This Insurance attaches from the time the subject matter Insured leaves the warehouse or place of storage for the commencement of the transit, continues during the ordinary course of transit and terminates on delivery to the Consigness's premises.
CLAIMS
5. In order to recover under this Insurance, the Assured must have an Insurable Interest in the subject matter insured at the time of the loss.
BENEFIT OF INSURANCE
6. This Insurance shall not inure to the benefit of the carrier or other bailee.
MINIMISING LOSS
7. It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder
7.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and
7.2 to ensure that all rights against carriers, bailees or 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.
8. Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
AVOIDANCE OF DELAY
9. It is a condition of this Insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
LAW AND PRACTICE
10. This Insurance is subject to English Law and Practice.
Insolvency Exclusion Clause (JC 93)
It is hereby agreed that the exclusion "loss damage or expense arising from insolvency or financial default of the owners, managers, charterers or operators of the vessel" is amended to read as follows:-
In no case shall this insurance cover loss, damage or expense arising from insolvency or financial default of the owners, managers, charterers or operators of the vessel where the Assured are unable to show that, prior to the loading of the subject-matter insured on board the vessel, all reasonable, practicable and prudent measures were taken by the Assured, their servants and agents, to establish the financial reliability of the party in default.
Institute Radioactive Contamination Exclusion Clause
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.
In no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by, contributed to by or arising from:
a) Ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel,
b) The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof,
c) Any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
Cargo ISM Forwarding Charges Clause
(For use only with JCC Cargo ISM Endorsement JC98/019)
In consideration of an additional premium to be agreed, this insurance is extended to reimburse the Assured, up to the limit of the sum insured for the voyage, for any extra charges properly and reasonably incurred in unloading, storing and forwarding the subject matter to the destination to which it is insured hereunder following release of cargo from a vessel arrested or detained at or diverted to any other port or place (other than the intended port of destination) where the voyage is terminated due either:-
a)to such vessel not being certified in accordance with ISM Code.
Or
b) to a current Document of Complience not being held by her owners or operators as required under the SOLAS Convention 1974 as amended.
This clause, which does not apply to General Average or Salvage or Salvage Charges, is subject to all other terms, conditions and exclusions contained in the Policy and to JCC Cargo ISM Endorsement JC 98/019.
Jetty Clause
Notwithstanding the cover granted under the Warehouse to Warehouse Clause it is a condition of this insurance that Surveys shall be held on the Insured goods in the Landing Shed and that Underwriters shall not be liable for any losses by theft, pilferage and shortage occurring after the above Survey nor for any loss or damage whatsoever except loss or damage caused by fire, after the removal of the goods Insured hereunder from the Landing Shed.
In any event it is a condition of this insurance that prior notification be given to Lloyds Agents at the port of discharge in such time as to permit attendance both at the time of discharge ex craft and the subsequent on to land conveyance.
Labels Clause
In case of damage from perils insured against affecting labels only, loss to be limited to an amount sufficient to pay the cost of reconditioning, cost of new labels, and re-labelling the goods, provided the damage will have amounted to a claim under the terms of the Policy.
Loading and Unloading Clause
Including loss of or damage to the subject-matter during loading prior to despatch and unloading after arrival at the Insured's or Consignees premises, and in the case of Containers, during the stuffing and destuffing thereof.
Consignments for which the Insured is only responsible up to Free on Board vessel &lor Free on Board Aircraft held covered until completion of loading on board vessel &lor aircraft.
Locking Clause
The Company shall not be liable for any loss or damage to the interest insured hereunder resulting from theft or any attempt thereat whilst the said interest is on or contained in any vehicle and/or trailer and/or container owned by, hired by or under the control of the Insured, which is left loaded and unattended unless all points of access have been closed and secured by all the locks, window fastenings and other protections on it, and all the keys are removed.
Loss of or Damage Caused By Civil Authorities
Notwithstanding anything contained in this policy it is understood and agreed that property which is Insured under this policy is also covered against the risk of damage or destruction by civil authorities during a conflagration or for the purpose of retarding the same -provided that neither such conflagration nor such damage or destruction is caused or contributed to by war perils elsewhere excluded herein.
Loss of or Damage Caused By Governmental Authorities
This insurance is extended to cover loss of or damage to the property Insured hereunder directly caused by Governmental Authorities acting for the public welfare to prevent or mitigate a pollution hazard or threat thereof, provided a recoverable claim would have resulted under the policy (subject to all its terms, conditions and warranties) had the property Insured sustained physical loss or damage as a result of the accident or recurrence that gave rise to the threatened pollution hazard.
This clause shall not increase the limits provided for in this policy.
Matched Pairs Clause
In consideration of an Additional Premium calculated at a rate to be agreed it is hereby noted and agreed that where shipments involve Pairs and Sets which are matching &/or specifically matched and one of the pair or set is lost, total &/or constructive total loss &for damaged as a result of the operation of a peril Insured against during the currency of the Policy then Underwriters agree that such loss &/or damage will constitute total loss &/or damaged as a result of the operation of a peril Insured against during the currency of the Policy then Underwriters agree that such loss &/or damage will constitute total loss of the said pair &/or set. Underwriters to receive benefit of any salvage.
Non-Contribution Clause
This insurance does not cover any loss or damage which at the time of happening of such loss or damage is insured by or would, but for the existence of this Policy, be insured by any other Policy or Policies except in respect of any excess beyond the amount which would have been payable under other Policy or Policies had this Insurance not been effected.
No Recourse Agreement
Underwriters agree to waive rights of recourse against the Insured as Charterers, Carriers, Warehouse Keepers or any other form of Bailee in respect of interest Insured hereunder to the extent that loss, damage or expense arising in respect of such interest Insured hereunder.
No Survey Clause
It is agreed that claims of up to ￡500 (or equivalent in other currencies) will be settled on the written statement of the Insured together with relevant documentation without survey.
Obsolete Parts Clause
In the event of damage to the vehicle insured hereunder, liability is re-stricted to the reasonable cost of repair and no claim is recoverable in respect of depreciation. In no case shall liability exceed that proportion of the cost of replacement or repair of the damaged part or parts as the insured value of those part or parts bear to the cost of the insured vehicle.
Over-Carried Clause
Should any interest be over-carried this Policy extends to cover such interest until return to Port of Place of destination as per Institute Cargo Clauses (A) as far as applicable.
Overnight Parking & Locking Warranty
It is warranted, in respect of conveyances in the Insured's ownership or control, that
a)they shall be in efficient condition and suitable for the purpose for which used
b)any loaded vehicle which is left unattended after commencement of the transit
1) shall be securely locked with all windows and doors fastened and with the ignition key removed
2) where fitted, any alarm or immobiliser system is in full working order and set for operation
3) overnight shall be housed in a securely locked building or compound.
Own Vehicle Theft Exclusion Clause
The Company shall not be liable for any loss or damage to the insured interest whilst on or contained in any vehicle and/or trailer and/or container owned by, hired by or under the control of the Insured as a result of:
1. Theft when the vehicle and/or trailer and/or container is left unattended unless such vehicle and/or trailer and/or container has all points of ac- cess closed and secured by all the locks and other protections thereon and has all keys removed.
2. Theft of or from the vehicle and/or trailer and/or container left unat- tended between 1800 hours and 0600 hours unless:
2.1 such vehicle and/or trailer and/or container is locked and garaged in a building which is securely closed and locked,
OR
2.2 such vehicle and/or trailer and/or container is locked and parked in a yard or compound which is fully enclosed and locked, or is fully enclosed and security manned 24 hours per day.
Warranted that the alarm system and/or immobilizer fitted to the vehicle and/or trailer and/or container is in full efficient working order and set whenever the vehicle and/or trailer and/or container is left loaded and unattended.
Packing Clause
In the event of a claim being made for loss or damage which is alleged to be caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured, insurers hereby agree that they will not use such alleged insufficiency or unsuitability as a defence against the claim in any case where the packing or preparation was carried out by a party other than the Named Insured and the insufficiency or unsuitability arose entirely without the Named Insured's privity or knowledge. For the purpose of the clause "Packing" shall be deemed to include stowage in a container &lor other similar inter-model methods of unit load.
The Insured agrees to assist insurers in all respects to pursue rights of recovery against sellers &lor other responsible third parties.
The above agreement is not to interfere with rights of subrogation against packers &lor their insurers.
Packers Premises
To include whilst at Packers &lor Repairers Premises in the United Kingdom for a period of up to 30 days or held covered.
Pair and Set Clause
In the event of loss &lor damage to any article or articles forming part of a pair or set the Company's liability shall be limited to the value of such parts which may be lost or damaged, without any reference to any special value which such articles or articles may have as part of the insured of such pair or set.
Payment on Account Clause
The Underwriters hereunder agree that where claim papers submitted demonstrate that only the quantum of the claim is in question, they will make a "payment on account" equal to 80% of the lower of the amounts claimed and agreed to by Underwriters, no later than 30 days after the date of submitting the full claim papers and determination of Underwriters Liability whichever shall last occur.
Personal Conveyance Clause
Loss of the item insured hereunder occurring during the insured transit is only covered if the item at the time of loss
a) is being carried upon the person of the Insured or the Insured's representative.
OR
b) is being carried in the hand of, or is in the close proximity and sight of, the Insured or the Insured's representative if wrapped or in other form of packing or carrying container.
OR
c) is locked in a safe or other secure place, if left unattended.
Pipeline Clause A
Notwithstanding anything contained in the Institute Cargo Clauses or the Bulk Oil Clauses with the Marine Extension Clauses (for use in connection with Oil in bulk), it is understood and agreed that this insurance attaches from the time the goods have passed the permanent hose connection of the vessel at the port of shipment and continues thereafter as stipulated in the said clauses, until the goods are discharged into the consignee's or other shore tank at the port of destination named in the policy.
Pipeline Clause B
Notwithstanding anything contained in the Transit Clause of the Institute Cargo Clauses to the contrary, it is understood and agreed that this insurance attaches from the time the goods have passed the coupling of the pipe of shore thank at the port of shipment and continues thereafter as stipulated in the said clause, until the goods are discharged into the consignee's or other shore thank at the port of destination named in the policy.
Plans Clause
(Engineering Materials, Plans, Drawings, Reports, Manuscripts)
In the event of loss of or damage to the interest insured resulting from an
insured peril, claims for the cost of replacing the material shall not exceed the sum insured hereunder.
Port Delay Clause
Notwithstanding the provisions of Clause 8 of the Institute Cargo Clauses, this insurance shall terminate on the expiry of 60 days from midnight on the day of arrival of the overseas vessel at the final port of discharge of the goods hereby insured if their discharge has not by then been completed: Thereafter subject to prompt notice being given to Underwriters the goods shall be held covered for a period and at a premium to be arranged. The period of up to 60 days specified above or any extension thereof shall nevertheless terminate immediately upon completion of discharge overside from the oversea vessel and continuation of cover shall thereupon be governed by the provisions of Clause 8 of the Institute Cargo Clauses or any amendment thereto.
Arrival shall be deemed to mean that the vessel is anchored moored or other- wise secured at berth and/or place within the Harbour Authority Area. If such berth and/or place is not available, arrival is deemed to have occurred when the vessel first anchors, moors or otherwise secures either at or off the intended discharge port to await a discharge berth.
Potential Duty Clause
It is agreed that this insurance is extended to cover the Insured's potential liability for payment of duty on bonded goods to the Customs and Excise Authority of any country (including Great Britain and Northern Ireland! through which the interest may pass prior to coming within the jurisdiction of the country of destination which they may be legally liable to pay and shall pay due to loss of, destruction of or damage to the insured interest resulting from a peril insured against.
Process Clause
No claim to attach hereto for damage to insured property which may be sustained whilst the same is under any process and directly resulting therefrom.
Profit Commission Clause
It is agreed that Underwriters shall allow the Assured 10% of the Annual Profit each underwriting year.
Profit to be calculated as follows, but not before 6 months after the expiry of the period to which this Profit Commission is applicable, and subject to renewal of the contract being offered to Underwriters through the same Broker.
Profit Commission will only apply subject to the following formula, on a basis that the loss ratio shall not exceed 95% in anyone Underwriting year after allowing for:-
Credit: 1. 95% of Nett Premiums applying to the year after deduction of returns and calculations.
Debit: 1. Claims and Expenses less refunds and Salvage Recoveries.
2. Debit Balance, if any, carried forward from previous period.
It is agreed that claims attaching to anyone underwriting year, but settled after a profit
commission has been paid for that year, shall be taken into consideration in calculating the Profit Commission payable on the years business during such claims have been settled.
If the account shall show a loss, such a loss shall be carried forward in successive year's account, but not in excess of 3 years, until completely extinguished.
Re-issue Clause
In the event of loss or destruction of the interest from a peril insured against, the liability of the Company shall be limited to the cost of reprinting and freight and all charges incurred in forwarding the replacement interest to the original destination including insurance premium and charges in connection therewith.
Rejection Expenses Clause
In the event of rejection &/or prohibition by a governmental body or authority only, for any reason whatsoever it is agreed that this insurance shall pay up to 25% of the Insured value of the interest involved, in respect of storage, transportation and any other consequent expenses &for loss in value.
Subject to a maximum contribution by Underwriters of ￡10,000 anyone event or happening.
Notwithstanding the above, any shipment made under a quota system that exceeds the quota concerned, is excluded from the scope of these provisions.
Removal of Debris (Own Vehicles) Clause
It is agreed that subject to the operation of an insured peril, underwriters will pay costs and expenses reasonably incurred by the Assured in connection with:-
1. Removal and disposal of debris &for destruction of damaged goods.
2. The transfer of items covered hereunder from one conveyance to another in the event of an accident to the .original conveyance.
The indemnity provided by this clause shall be in addition to the indemnity provided elsewhere herein but limited to ￡5,000 anyone incident and subject to an excess of ￡100.
Excluding any expenses incurred in consequence of or to avert or mitigate pollution or contamination or any threat or liability thereof.
Removal of Debris Clause
It is agreed that subject to the operation of an insured peril Underwriters will pay costs and expenses necessarily incurred by the Assured in connection with:
(a) removal of debris
(b) dismantling &/or demolishing
(c) shoring up &/or propping
(d) the transfer of items, covered hereunder, from one conveyance to another in the event of an accident to the original conveyance which results in loss of or damage to such items which is recoverable hereunder.
Re-package Clause
It is understood and agreed that should the packing be damaged from any peril insured against irrespective of the final destination shown herein, Underwriters to pay the cost of repacking expenses and materials provided such damage occurred during the currency of this insurance irrespective of whether the subject matter has sustained damage.
Subject to a limit of ￡5,000 anyone incident and an excess of ￡100 each incident.
Replacement Clause (Secondhand Machiney)
In the event of claims for loss or damage to any part of the insured interest in consequence of a peril covered by the Policy, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of the parts lost or damaged as the insured value bears to the value of new machinery , plus additional charges for forwarding and re-fitting the new part or parts if incurred.
Excluding the risks of Rust, Oxidisation, Discolouration, Scratching, Bruising, Denting and subsequent cost of repainting unless recoverable against Institute Cargo Clauses (C)
Excluding Electrical &lor Mechanical Derangement unless caused by a peril insured against.
Returned Goods Clause
It is agreed that returned goods are covered subject to the following: 1. Cover Terms and Conditions
Excess stock, incorrect orders or similar 2. Restricted Cover
In respect of goods that have suffered physical damage the following terms and
conditions shall apply:
Institute Cargo Clauses (B)
Including Theft and Non-Delivery of an entire package Institute War and Strikes Clauses as applicable Institute Malicious Damage Clause Institute Classification Clause
Unless:
A Surveyors Report is made prior to the return of the goods when cover shall be subject to normal policy terms and conditions but excluding damage noted in such report. The report to be made available to Underwriters as required.
Revision of Institute Clauses
The Institute Clauses referred to herein are those current at the inception of this contract but should clauses be revised during the period of this contract and provided that the Underwriters shall have given at least 30 days notice thereof, then the revised Institute Clauses shall apply to risk attaching subsequent to the date of expiry of the Said Notice.
Shipments in Bulk Clause
Pipe Lines, Ship's tanks, shore tanks and loading equipment to be inspected prior to loading and the Certificate of Cleanliness shall be accepted as proof between the Insured and Underwriters that the pipe lines, ship's tanks, shore tanks and loading equipment were fit to receive cargo.
In connection with this clause, Underwriters agree to accept a Certificate of Cleanliness issued by any of the following surveyors:
1. Lloyds Agents or their appointed representatives.
2. Any other qualified Surveyors who are mutually acceptable to the Insured
and the Insurers subject always to approval prior to attachment of risk.
In respect of bulk sendings in Road or Rail Tankers it is agreed that no Certificates of Cleanliness are issued.
Warranted that:
The tanks, pipe lines and loading equipment are inspected and found clean prior to cargo loading.
These inspections are carried out by trained and qualified personnel.
Stock Warranties
It is Warranted that
a) All security protections existing at the inception date of this Policy or subsequently
fitted at the request of the company be maintained in proper working order and put into operation and any keys for such protections and the keys of any safes or strongrooms containing any of the property insured hereunder be removed from the premises at night or whenever the premises are closed for business.
b) any burglar alarm at the buildings be
i) installed in accordance with a specification and requirements agreed by the company
ii) regularly and efficiently maintained under a maintenance contract by the burglar alarm company
iii) put into full and effective operation whenever the premises are closed or unoccupied
Provided that in any event the company shall not be liable under this Policy for losses occasioned by theft subsequent to the Insured receiving a written notification from a burglar alarm company that the maintenance contract is suspended or from the relevant Police Authority that alarm signals from the premises will no longer be answered.
Breach of this Warranty shall only invalidate claims in respect of theft of the Property insured whilst contained in the premises at which the breach of Warranty has occurred.
Exclusions
Loss, destruction or damage caused by or occasioned through:-
a) wear, tear, gradual deterioration, rust or corrosion, inherent vice, moth vermin,
insects, damp or mildew, wet or dry rot or seepage below ground level;
b) shrinkage, evaporation, loss of weight, contamination, marring, scratching, change of flavour, colour, texture or finish, change in temperature or humidity (unless such loss, destruction or damage: is directly caused by any peril not otherwise excluded by this Policy);
c) overloading, mechanical or electrical breakdown, failure, derangement or disturbance, latent defects, faulty materials, design or workmanship (but excepting, ensuring loss, destruction or damage caused by a peril not otherwise excluded by this Policy);
d) theft or any attempt thereat:
i) of the property insured left in the open or not contained in lock-fast buildings
ii) unless involving violent and forcible entry into or exit from the premises;
e) infidelity or dishonesty of the Insured or any of his employees or other persons to whom property insured hereunder may be entrusted nor loss or damage resulting from the Insured involuntarily parting with title or possession of any property if induced to do so by any fraudulent scheme, trick, device or false pretence;
f) disappearance, unexplained shortage disclosed at normal stock-taking, delay, loss of market, loss of use or any other consequential loss;
g) subsidence, collapse, heave or landslip or normal settling, cracking, shrinkage or expansion of the building or the site or any parts thereof on which the within described property stands;
h) explosion (other than loss, destruction or damage by fire resulting from explosion) occasioned by the bursting of a boiler (not being a boiler used for domestic purposes only), economiser or other vessel, machine or apparatus in which internal pressure is due to steam only and belonging to or under the control of the Insured;
i) the undernoted perils occurring while any building is vacant, disused or ceases to be operated:
i) theft
ii) malicious act or vandalism except destruction or damage caused by fire iii) escape of water or oil from any water or heating installation;
j) solidification of the contents of molten material holding units, molten material transmission lines &for appurtenances (unless such loss, destruction or damage is directly caused by any peril not otherwise excluded by this Policy);
k) electrical or magnetic injury, disturbance, or erasure or electronic recordings except by lightening;
l) storm, tempest, flood or the bursting or overflowing of water tanks apparatus or pipes to:-
i) buildings (and contents therein) not maintained in a good and substantial state of repair,
ii) fences, gates, drains, sewers or water courses, nor the cost of cleaning or making good;
Loss, destruction or damage to:-
a) aircraft, watercraft, motor vehicles licensed for road use, or their accessories;
b) that portion of any electrical apparatus, appliance or device of any kind (including
wiring) caused by its own over-running, excessive pressure, short-circuiting, self- heating or leakage of electricity;
c) livestock, growing crops or standing timer or explosives;
d) land, roads, pavements, piers, jetties, bridges, culverts, excavations;
e) jewellery , precious stones, articles of gold, silver or other precious metals or furs;
f) securities and other negotiable instruments, coin, bank and currency notes, cheques,
national giro payment orders, money and postal orders, postage and revenue stamps, national savings stamps and certificates, holiday-with-pay-stamps, trading stamps, luncheon vouchers, credit cards and credit card vouchers;
g) that part of the property insured which is actually being worked upon or undergoing any process, directly resulting therefrom or caused by any testing, repairing, adjusting, servicing or maintenance operation;
h) movable property in the open by the action of rain, hail, snow, sleet, frost or dust or other action of the weather;
i) property or structures in course of construction or erection and materials or supplies in connection with all such property in course of construction or erection.
loss, destruction or damage directly or indirectly occasioned by or happening through or in consequence of war, invasion, act of foreign enemy, hostilities
(whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, confiscation or detention by Customs or other Officials or Authorities.
loss, destruction or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom directly or indirectly caused by or contributed to by or arising from:
a) ionising radiations, or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
Strikes Expenses Clauses
This insurance is to pay (only) any additional expenditure incurred by the Insured by reason of the exercise by the Shipowners or Charterers of any liberty granted by the contract of affreightment whereby solely in consequence of strikes, riots, civil commotions, lock-outs or labour disturbances, or solely in consequence of conditions arising therefrom making discharge in the normal course impossible, the within mentioned goods are over-carried or discharged at a port other than the final port of discharge named in the contract of affreightment such expenditure being payable irrespective of any other loss whether total or partial recoverable under the terms of any other insurance upon the interest, provided however, that in no case shall Underwriters be liable for any claims unless the liberty referred to in this clause be exercised prior to the expiry of 15 days from midnight on the day on which the strikes, riots, civil commotions, lock-outs or labour disturbances giving rise to the exercise of such liberty cease to be in active operation. The limit of liability hereunder is to be 20% of the value for marine insurance.The Insured to bear 10% of all claims recoverable hereunder. Warranted that the 10% deductible remains uninsured and at the Insured's risks.
Survey Clause
In the case of a claim expected to be less than CDN$ (or equivalent in any other currency), Customs Document or other similar documents or the Insured's or Consignee's statement to be accepted as sufficient proof of loss and/or damage.
Testing & Sorting Costs Clause
Should visible signs of external damage to packing or goods insured herein be discovered, Insurers agree to meet reasonable costs of testing and sorting the goods whether or not any actual damage is subsequently found including the cost of transporting the goods to or from a test facility plus the cost of repacking and shipment to destination after completion.
Subject to a limit of ￡2,500 anyone incident, unless such costs are reasonably incurred in order to prevent or minimise a loss to the subject-matter.
Theft Clause
Between 1800 hours and 0600 hours the risks of theft of or from vehicles &lor trailers &lor containers which islare owned &lor operated by the Insured when left unattended whilst in the care and custody of the Insured are excluded absolutely unless such vehicles &lor trailers &lor containers is garaged in a building or parked in a fully enclosed yard, whJch is securely closed and locked or under constant surveillance or on a guarded security lorry park and such vehicles &lor trailers &lor container has all the openings closed and securely locked and all keys removed, so far as local fire regulations permit.
Transhipment Clause
Including Customary Transhipment without additional premium.
Other Transhipment held covered at Rates &for conditions to be agreed.
Unseaworthiness and Unfitness Exclusion
In no case shall this insurance cover loss damage liability or expense howsoever caused by resulting from or connected with
1. Unseaworthiness of vessel or craft, or
2. Unfitness of vessel craft container liftvan or land conveyance for the safe carriage of the Subject Matter Insured.
Where this insurance has been assigned to a party claiming hereunder who has bought or agreed to buy the Subject Matter Insured in good faith under a binding contract, the above exclusion shall not apply.
Where the Insured can demonstrate they took all reasonable steps to establish the seaworthiness of the vessel or craft and fitness of the vessel craft container liftvan or land conveyance, Underwriters waive any breach of the implied warranties of seaworthiness of
the vessel or craft and fitness of the vessel craft container liftvan or land conveyance to carry the Subject Matter Insured to destination.
Wherever the words "ship, vessel or (un)seaworthiness" appear in this insurance and any endorsements hereto, they are deemed to include the words "aircraft and
(un)seaworthiness" as appropriate.
War and Civil War Exclusion Clause
Notwithstanding anything to the contrary contained herein, this Policy does not cover loss damage liability or expense directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
装卸责任条款
兹经双方同意，本保险单扩展承保保险标的在装载、卸载过程中因自然灾害、意外事故以及野蛮装卸导致的直接物质损失或损坏。
临时存储条款( 天)
兹经双方同意，本保险单扩展承保保险标的在运输期间临时储存或在运输途中中转库临时储存过程中因自然灾害或意外事故导致的直接物质损失或损坏风险，但上述临时储存的时间不得超过 天。
错误和遗漏条款
兹经双方同意，本保险项下的赔偿责任不因被保险人非故意地延迟、错误或遗漏向本公司申报有关所占用的场地、保险财产价值的变更或其它有关信息而被拒付，一旦被保险人明白其疏忽或遗漏应在合理的时间内尽快向本公司申报。
不正确的、有缺陷的或错误的评估不可视为非故意的错误与遗漏。
运输扩展条款
兹经双方同意，保险人同意承保：保险标的从远洋船舶卸货后，由于被保险人无法控制的环境因素，无法在 天内正常运至收货人仓库所致损失，但是被保险人必须在最早的第一时间将此延迟通知保险人。
理算师条款
当发生保险事故时，无论事故大小，应投保人的要求，保险人同意委请由投保人指定的国内获得保险公估营业许可的公估公司进行损失理算。聘请公估公司所发生的费用由保险人承担。
预付赔款条款
兹经双方同意，发生承保风险损失时，在双方确认损失金额超过 万元时，应被保险人要求，本公司在被保险人提出要求后 个工作日内预付确认损失金额的 ％作为预付赔款。
不受控制条款
兹经双方同意并约定，本保险不因在被保险人无法控制的任何情况无法履行保单或批单中规定的任何保证或条件而受影响。
违反保证条款
经双方同意，被保险人违反了本保险合同约定的条件和保证时，仅使这些违反的条件和保证所对应的保障失效，而不影响其他保障的效力。
本附加条款与主条款内容相悖之处，以本附加条款为准；未尽之处，以主条款为准。
不使失效条款
本保险不因下述原因而失效：在投保人及被保险人不知情的前提下，风险程度增加。但一旦知道该情况，投保人应立即通知保险人并缴付从风险程度增加之日起计算的保险费。
包装条款
当由于对保险标的物的包装或准备不足或不当引起的损失发生索赔时，如果这种包装或准备是由除了被保险人之外的第三方执行，或对这种不足或不当被保险人并不知情，保险公司将不会对这种包装的不足或不当的索赔进行抗辩。此处的“包装”应当视为包括集装箱内的贮存或其他类似的成组装运的联合运输方式。
被保险人承诺在一切条件下协助保险公司向卖方或其他负有责任的第三方追偿。
以上陈述不影响保险公司对包装方或其保险人行使代位求偿权。
50/50条款
兹经双方同意，本保险单将附加以下条件：
被保险人负责在被保险财产到达工地时对其进行检查，以发现运输过程中可能遭受的损失。
如果包装的货物须放置一段时间后才能开包，则被保险人应检查每件货物的外包装是否有货损迹象。如果货损迹象明显，应即拆除外包装检查，并将发现的损失向运输险保险单的保险人提出索赔。
如果货物的外包装没有迹象显示在运输过程中货物受损，而在货物开包时才发现货损，如能确定该损失在货物到达之前发生的，则应由运输险保险单的保险人负责；如能确定损失在货物到达工地之后发生的，则应由本保险单负责
如果不能清楚地界定损失是在货物到达工地前或到达工地后发生，则双方据此同意本保险单的保险人和运输险保险单的保险人各自分摊损失的50%。
双方进一步同意，如果运输险保险单和本保险单中免赔额不同，则每一保险人应对其应负责的50％的核定损失扣除其保险单的免赔额的50％。
协会扩大辐射污染除外责任条款
本条款具有最高之效力，本保单内任何规定事项与其抵触者均无效。
本保险不承保由于下列原因直接或间接引起或所致之毁损、灭失、责任或费用：
1.1任何核燃料、核废料或核燃料燃烧所生之电离辐射或辐射污染；
1.2任何核设施、反应器或其它核子装置或其核组件之辐射、毒素、爆炸或其它危害或污染物质；
1.3任何使用原子或核裂变、聚变或其它类似反应，或辐射力或辐射物质之武器或设备；
任何辐射物质之辐射、毒素、爆炸或其它危害或污染物质。除核燃料之外，本项除外责任规定不适用于放射性同位素，当其作为预置、运载、储存或使用于商业、农业、医疗、科技或其它类似和平等用途时。
协会化学、生物、生化、电磁武器及电子黑客袭击除外责任条款
本条款具有最高之效力，凡本保单内任何规定事项与其抵触者均无效。
本保险不承保由以下风险直接或间接引致的损失、损坏、责任及所产生的任何费用
1.1任何化学、生物、生化、电磁武器
1.2以利用或操作任何电脑、电脑系统、电脑软件程序、电脑病毒或其他任何电子系统，作为侵害之工具。
协会电脑骇客攻击除外条款
1.本保险不承保直接或间接或可归因于因使用或操作任何电脑、电脑系统、电脑软体程式、恶意密码、电脑病毒或任何其他电子系统所引起或所致的灭失或损害。
2.若本条款附加在承保战争、内战、革命、叛乱、暴动或由此引起的内乱或其他交战团体之间的敌对行为的保单项下时，本条款承保范围包括由于使用战争武器或导弹启动和/或导航和/或点火系统中的计算机、计算机系统、计算机软体程式或其他电子系统所导致的损失。
协会辐射污染、化学、生物、生化或电磁武器除外条款
本条款具有最高效力，本保险内与其相抵触的任何规定都无效。
本保险不承保直接或间接由于下列原因引起或导致的灭失、损害、责任或费用：
1.任何核燃料、核废料或核燃料燃烧所产生的电离辐射或辐射污染；
2.任何核设施、反应堆、核装置或核组件产生的辐射、毒素、爆炸或其他危害污染物质；
3.任何使用原子核、核裂变、核聚变或其他类似反应、或辐射强力等形成的武器或装置；
4.任何与辐射相关的辐射、毒素、爆炸或其他危害污染物质。本款除外责任不适用于用于商业、农业、医疗、科技或其他和平用途准备、运输、仓储的放射性同位素，除非用于核燃料；
5.任何化学、生物、生化或电磁武器。
免查勘条款
如发生国际货物运输保险责任范围内的货物损失，且损失金额在 以内的保险人可免查勘。在被保险人进行现场查勘后，索赔时仅需要提供：出险索赔通知书、事故现场照片、出库单、损失清单、价格证明、赔款收据这些基本单证，保险人进行快速理赔。
撤销条款
保险双方对此保险事项所做的修改或撤销以书面通知如下：
战争风险：七天内通知
罢工风险：七天内通知（罢工或其他事项48小时以内除外）
发生在美国或由美国引致的风险
其他风险：30天通知
自被保险人或保险人发出撤销通知当日的午夜起，至合同期满的以上所列的相应的天数内，撤销生效，且不适用于撤销生效前已声明或所附的依照合同期限与条件的任何内陆运输保险。
指定公估人条款
兹经双方同意,在发生本保单保险责任范围的事故引起索赔时，如
1）报损金额超过RMB 万；
2）保险双方就保险责任无法达成一致；
3）保险双方就损失金额无法达成一致。
则保险双方中的一方可提出引入保险公估人。保险公估人由经纪公司负责推荐，在保险双方共同认可后，由保险人负责委请。费用由保险公司承担。
提前三十天取消保单条款
兹经双方同意，保险人可提前三十天书面通知被保险人注销本保险单，对未到期的保险费保险人应按日比例退回给被保险人。
被保险人可随时书面申请注销本保险单，对本保险单已生效期间的保险费按日比例费率计收。
扩展承保转运条款
兹经双方同意，本保险单项下扩展承保保险标的在运输期间正常转运过程中因自然灾害或意外事故导致的直接物质损失风险。
交叉责任条款
兹经双方同意，本保险保障适用于保险单中列明的每一个被保险人，如同本公司对每一个被保险人签发独立的保险单。本公司对所有被保险人由一次事故或同一事件引起的数次事故承担的全部赔偿金额不超过本保险单列明的每次事故赔偿限额。
第三方追偿特约条款
兹经双方同意，当投保货物发生保险事故时，如果根据法律规定或者有关约定，应由第三方承担部分或全部损失的，保险人同意只要投保人或其代表提出要求，保险人即于 个工作日内先予赔付被保险人的货物损失，同时取得代位追偿权。
保险公司不可注销保单条款
兹经双方同意，若被保险人不按合同约定支付保险费，保险人可以要求注销保险单，但保险人需要提前 天书面通知被保险人。除上述情况以外，保险人不能单方面注销保险单。本保险单所载其他条件不变。
电子资料除外责任条款
根据本保险单规定，电子资料不视为有形财产，电子资料包括：使用电子设备如软盘、硬盘、CD-ROM 磁带、驱动器、数据处理设备或其它介质存储数据、创建或传递信息、事实或程序、计算机软件（包括操作系统或应用软件）。
协会船级条款
合格的船舶
1）本保险单或预约保单所约定的保险和海上运输保险费率仅适用于加入以下船级社的钢质自航船所载的货物：
1．1国际船级社协会的成员
1．2条款4中所定义的国旗船级社，但是这些船舶应仅从事该国沿海运输（包括从事该国所属的岛屿之间的运输）不在上述船级范围的船舶所承运的货物应立即通知保险人，并得到保险人对费率和条件的同意。对与保险人达成协议前发生的损失的保障，仅限于根据合理的市场费率和合理的市场条款可行的范围。
船龄限制
2）由上述合格船舶所承运的货物，若承运船舶船龄超过以下的限制，在被保险人支付额外保费的前提下，本保险或预约保险仍然有效：
散装货船、多用途货船船龄超过10年，其它类型船舶船龄超过15年，除非是：
2．1在特定范围的港口之间从事固定的、有规律的杂货贸易运输，船龄不超过25年，或
2．2集装箱船、滚装船或双壳开口龙门吊机船，一直在特定范围的港口间从事固定的、有规律的贸易运输，船龄不超过30年。
驳船条款
3） 本条款的要求不适用于在港口区域对船舶进行装卸操作的驳船。
国旗船级社
4）国旗船级社是指位于船舶的船籍所在国的船级社。
立即通知
5）本保险要求被保险人立即通知保险人，被保险人获得赔偿的权利取决于他履行上述义务的情况。
法律与实务
6）本保险适用于英国法律与实际操作。
协会恶意损坏保险条款
兹经双方同意，鉴于被保险人已缴付了附加的保险费，删除本保险中的除外事项“由任何人的不法行为对保险标的或其组成部分的故意损害或故意毁坏”，并进一步承保由于恶意行为、任意毁坏财产的行为导致的保险标的的灭失和损害，但仍须受本保险其他除外责任的限制。
Institute Malicious Damage Clause
In consideration of an additional premium, it is hereby agreed that the exclusion “deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons” is deemed to be deleted and further that this insurance covers loss of or damage to the subject-matter insured caused by malicious acts vandalism or sabotage, subject always to the other exclusions contained in this insurance.
Institute Classification Clause
QUALIFYING VESSELS
This insurance and the marine transit rates as agreed in the policy or open cover apply only to cargoes and/or interests carried by mechanically self-propelled vessels of steel construction classed with a Classification Society which is:
1.1 a Member or Associate Member of the International Association of Classification Societies (IACS), or
1.2 a National Flag Society as defined in Clause 4 below, but only where the vessel is engaged exclusively in the coastal trading of that nation (Including trading on an inter-island route within an archipelago of which that nation forms part).
Cargoes and/or interests carried by vessels not classed as above must be notified promptly to underwriters for rates and conditions to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable commercial market terms.
AGE LIMITATION
2). Cargoes and/or interests carried by Qualifying Vessels (as defined above) which exceed the following age limits will be insured on the policy or open cover conditions subject to an additional premium to be agreed.
Bulk or combination carrier over 10 years of age or Other vessels over 15 years of age unless they
2.1 have been used for the carriage of general cargo on an established and regular pattern of trading between a range of specified ports, and do not exceed 25 years of age, or
2.2 were constructed a s containerships, vehicle carriers or double-skin open-hatch gantry crane vessels (OHGCs) and have been continuously used as such on an established and regular pattern of trading between a ranged of specified ports, and do not exceed 30 years of age
CRAFT CLAUSE
3). The requirements of this Clause do not apply to any craft used to load or unload the vessel within the port area.
NATIONAL FLAG SOCIETY
4). A National Flag Society is a Classification Society which is domiciled in the same country as the owner of the vessel in question which must also operate under the flag of that country.
PROMPT NOTICE
5). Where this insurance requires the assured to give prompt notice to the Underwriters, the right to cover is dependent upon compliance with that obligation.
LAW AND PRACTICE
6). This insurance is subject to English law and practice.
The joint cargo committee (JCC) circulated a draft of the revised Institute Classification Clause to a wide audience under its circular JC 2000/0007 dated 29 October 2000. Following this Procedure the JCC received a wide spread of comment relating to the draft. The committee has now agreed the final version of the clause, and a copy, dated 1 January 2001, is attached. The only amendment from the previously circulated draft is a change to the numbering of the sub-clauses under clause 2 to bring it into line with other Institute clauses.The attached drafting notes have also been prepared which outline the major issues dealt with during this latest amendment to the clause. These notes have been updated from those issued on 29 September to clarify some of the issues brought out during the consultation process. The new clause is available for use on new business and renewals with immediate effect.
The Institute Classification Clause 1/8/97 will be withdrawn from circulation on a date to be advised.
Institute Classification Clause 1/1/2001: Drafting Points.
(1) the word "insurance" has been added in Clause 1 to emphasize that non-compliance with the Classification Clause goes directly to the validity of cover and not only to the rate of premium.
(2) The clause refers to "…vessels of steel construction…"the JCC would regard this term as also encompassing vessels constructed of aluminium alloy.
(3) It has been decided by the JCC that it is no longer appropriate to nominate particular classification societies but, instead, to accept all societies who are full or associate members of IACS
(Clause 1.1). Reference is made in a footnote to the current IACS website, which contains a current list of member societies.
(4) Which there is coastal trading (Clause 1.2) the JCC will also recognise classification with National Societies as defined in Clause 4. It should be recognised that, where felt appropriate by underwriters, a National Flag Society could include a governmental maritime authority vested with the power to issue trading licences and certificates.
(5) It is to be noted that vessels not classed with IACS or a national flag society "must be" promptly notified to underwrites. Both rates and conditions must be "separately" agreed.
(6) The JCC has decided to retain the 10 year age limit for bulkers, this being in accordance with the technical advice received and soundings in the international markets through questionnaires. The JCC has decided that, in the light of technical information received, larger tankers over 10 years of age no longer call for special treatment and the age limitation before an AP is payable becomes 16 years.
(7) The JCC has decided to modify the concept of liner trade routes for vessel carrying general cargo to bring it more into line with current trading patterns. The JCC has also introduced in Clause 2.2, after consultation with both insurance markets and shipowners, a completely new concept excepting certain containerships, open hatch gantry crane vessels and vehicle carriers from the age limits, though an upper age limit of 30 yeas is still imposed
(8) cargoes carried by ship's falling within the classification requirements but outside the age limits may ,as before , be insured on cover terms but at rates to be agreed.
(9) underwriters will require other vessels not falling within the accepted classification societies to be notified promptly for rates and conditions to be agreed.
(10) a new clause takes the place of the earlier "held covered" provision. This new clause represents the English law position as to "held covered" as it currently stands, and has the effect of no change from the position under the current wording. It was felt that there had been misunderstandings in some quarters as to what was meant by "held covered" and that some elaboration would be helpful. Evidence of "market terms" would require an exercise to establish what terms might be obtainable in the market place i.e. from a representative sample of underwriters active in the class of underwriting cargo business. The fact that one underwriter might quote for a risk generally regarded as unacceptable by such a representative sample of underwriters, would not avoidance that the risk could be insured at a "reasonable commercial market" rate/terms. The collective view of such a sample would represent the market position.
(11) The Craft Clause (providing that the classification clause does not apply to craft used to load or unload the vessel within the port area) has been updated to omit the words "raft and lighter" as these are included in the word "craft". The new Craft Clause has been added as a note of the end of Classification Clause, where it is more appropriately
(12) In line with the Institute Clauses it made clear that the insurance as subject to English law and practice.
Institute Replacement Clause
In the event of loss of or damage to any part or parts of an insured machine caused by a peril covered by the Policy the sum recoverable shall not exceed the cost of replacement or repair of such part or parts plus charges for forwarding and refitting, if incurred, but excluding duty unless the full duty is included in the amount insured, in which case loss, if any, sustained by payment of additional duty shall also be recoverable.
Provided always that in no case shall the liability of Underwriters exceed the insured value of the complete machine.
Errors and Omissions Clause
The Insured shall not be prejudiced by any unintentional or inadvertent delay or omission in the reporting hereunder or any unintentional error in the amount or description of the Insured Property risk vessel conveyance or voyage or if the Insured Property be shipped by any other vessel if notice be given to Insurers as soon as practicable after such facts become known to the Insured and deficiency of premium if any made good. This insurance shall be affected by the failure of the Insured to comply with any of the warranties or conditions over which they have no control.
Hoisting Extension Clause
It is hereby agreed that this Policy shall be extended to indemnify the Insured against physical loss or damage to the Subject Matter Insured arising accidentally during hoisting. Coverage takes effect when the hoisting operation is started and ceases when the Property Insured has been hoisted and thence to the destined floor.
It is warranted that
(a) the whole hoisting operation must be executed by a professional transportation company,
(b) the weight of the Property Insured being hoisted must not exceed the registered lifting capacity of the lifting or hoisting machine or apparatus.
Subject otherwise to the terms, exceptions and conditions of this Policy.
Primary Insurance Clause
It is agreed that this Policy provides primary cover for the Insured and that in the event of loss or damage covered by this Policy which is also covered under any other policy of insurance taken out by the Insured the Insurers will indemnify the Insured as if such other policy of insurance did not exist.
Warehouse to Warehouse Clause
This insurance attaches from the time the goods hereby insured leave the warehouse or place of storage named in the Policy for the commencement of the transit and continues in force in the ordinary course of transit including incidental transit by craft until the insured goods are delivered to the Consignee’s final warehouse or place of storage at the destination named in the Policy or to any other place used by the Insured for allocation or distribution of the goods. This insurance shall, however, be limited to ( ) days for marine cargo and overland cargo; be limited to ( ) days for cargo by air upon arrival of the insured goods at the final station of discharge before the insured goods reach the consignee’s warehouse.
Temporary & Intermediate Storage ( days)
It is hereby agreed that this policy extends to cover Property insured hereunder while in Bond and/or other stores at destination and then until delivered to final warehouse, all at cover terms.
Marine/CEAR 50/50 clause
Upon arrival at the final destination, goods are to be inspected by the Insured for possible Damage incurred during transit. In case of packed goods which are to be left in their packing until a later date, the packing is to be visually inspected for signs of possible Damage. If any sign of damage is visible, the goods are to be unpacked immediately and inspected. Any Damage discovered is to be reported to the marine section. Any Damage to the goods which becomes manifest only upon their unpacking will be ascribed to the marine section or the construction/erection section according to whether it clearly was caused before or after arrival of the goods at the Location. Where it is not possible to establish whether the Damage was caused before or after arrival of the goods at the Location, it is agreed that settlement will be made 50/50 by the marine and the erection sections.
Transit Accumulation Clause
Should there be any accumulation of the Insured Property beyond the Limits of Indemnity
by reason of
i) transshipment
ii) accumulation after arrival of the overseas vessel at the port or place of discharge
iii) interruption of transit
insurers agree to hold covered such excess amounts up to a maximum of % of the Limits of Indemnity provided any such accumulation shall have arisen from circumstances beyond the control of the Insured and that notice be given in all such cases as soon as known to the Insured.
Machinery Warranty
With respect to machinery, equipment and similar goods that are lost or damaged due to a peril covered elsewhere in this policy and that has been purchased with a manufacturer's warranty, all expenses necessarily incurred to restore or retain such warranty shall constitute a proper charge against this insurance. Such charges shall include freight and handling charges necessarily incurred to return insured goods to original place of manufacturing and then returned to job site.
Civil Authority Clause
Notwithstanding anything contained in this policy, it is understood and agreed that property which is insured under this policy is also covered against the risk of damage or destruction by civil authority during a conflagration or for the purpose of retarding the same; provided that neither such conflagration nor such damage or destruction is caused or contributed to by War perils elsewhere excluded herein.
General Average And Forced Call
In case of forced call of a ship leading to unloading of the goods and reshipment on another ship, the Insurers accept to pay the sojourn and reshipment costs.
Charter Party Clause
Insurers will not take advantage of the clause of the transportation contracts which the Insured may have accepted and which limit the liability of the owner of the vessel and his employees or which exonerate the liabilities of the owners of other means of transport (hoppers & others).This clause is valid notwithstanding the fact the Insured has agreed with the shipping documents.
Multiple Insureds Clause
(i) It is agreed that if the Insured described in the schedule comprises more than one insured party each operating as a separate and distinct entity then (save as described in this Multiple Insureds Clause) cover herein shall apply in the same manner and to the same extent as if individual policies had been issued to each such insured party.
(ii) It is further understood that the insured parties will at all times preserve the various contractual rights and agreements entered into by the insured parties and the contractual remedies of such parties in the event of loss or damage.
(iii) It is understood and agreed that Insurers shall be entitled to avoid liability to or (as may be appropriate) claim damages from any of the insured parties in circumstances of fraud, material misrepresentation, material non-disclosure or breach of any warranty or condition of this policy each referred to in this clause as a vitiating Act.
(iv) It is however agreed that (save as described in this Multiple Insureds Clause) a Vitiating Act committed by one insured party shall not prejudice the right to indemnity of any other insured party who has an insurable interest and who has not committed a Vitiating Act.
(v) Insurers hereby agree to waive all rights of subrogation which they may have or acquire against any insured party or their directors agents or employees or their insurers arising out of any occurrence in respect of which any claim is admitted hereunder or which but for the application of any Deductible mentioned in the Schedule hereto would be made hereunder.
The lenders to the project shall not be entitled to any indemnity under this policy for or arising from loss or damage in respect of which Insurers are by reason of a Vitiating Act no longer liable to indemnity any one or more other insured party.
附加展会费用保险条款
一、保险责任
1、本保险有效期限内，被保险人投保的展品在运输过程中，由于意外事故导致展品未按约定送达目的地造成被保险人参展费用损失，保险人负责赔偿。
2、如政府、海关的过错过失行为导致展品未按约定送达目的地造成被保险人参展费用损失，保险人负责赔偿。针对此范围，具体赔偿限额=此业务年度总保费—此业务的销售费用（保费*30%）—此业务的相关赔款（已决赔款＋未决赔款）。
如政府、海关的过错过失行为造成事故发生，被保险人需在获知保险事故发生后48小时内通知保险人，索赔单证齐全后，在业务合作一年终止后，根据上述公式计算确定赔偿限额后方可确定是否赔付和赔付金额。如按上述公式赔偿限额为零或负数时，保险人对此风险不负赔偿责任。另外，被保险人如就此风险事故进行索赔，由被保险人负责举证。
二、责任免除
下列原因造成的损失和费用，保险人不负责赔偿：
1、不可抗力因素；
2、战争行为、军事活动、政治活动；
3、火灾、水灾、台风、地震等自然灾害发生时；
4、由于飞行物体或飞机造成的意外；
5、工人的罢工或停工；
6、因参展商、展会主办方导致的延迟;
7、任何政府或海关的非过失行政行为及执法行为;
8、任何参展商预期可得受益等间接损失、展品毁损赔偿责任;
9、被保险人的故意或重大过失行为。
三、赔付损失范围
本保险赔付损失范围为参展商已实际支付并无法获得返还的参展费用，包括：参展企业赴国外参展正常需要花费相应的报名费、展位费、人员费（包括往返机票／食宿／签证）、展品运输费等。
四、赔偿限额
每次保险事故赔偿限额以标准展位数确定，但最高不超
过人民币壹佰万元整（RMB1000000.00）。
注：每9㎡展位为1个标准展位。
五、保险费率及保险费
保险费依据每次事故赔偿限额与保险费率计收，并于保
险单上或保险凭证上载明。
六、免赔率
每次保险事故绝对免赔率为损失金额的10%。
注：同一展商、同一批次、同一运输工具下的保险事故为一次保险事故。
七、投保手续及操作流程
投保人每次投保前传真申报“参展商、展会、投保的展位数、运送货物、运送目的地、起止期、约定送达展位日期、展会开幕日、展会闭幕日、运输工具等”，保险人按照国际运输惯例审核该运输时间的合理性后再回传真确认承保。双方确认无误后，保险人出具正式保单。
八、赔偿处理
1、施救
发生意外事故时，被保险人需积极采取防止扩大事故的合理措施，积极施救并认真做好转运前对受损货物进行整理、修改和包装的工作。为了降低损失，发生意外事故时，被保险人向保险人建议并得到保险人书面确认的补货行为等应急措施，所产生的费用纳入施救费用。被保险人应积极配合施救工作，保险责任范围内的合理施救费用由保险人承担。
2、通知
或其代理人赴现场查勘检验，方，由甲方或其代理人赴现场查勘检验，确发生保险责任范围内的事故时，被保险人在获知发生保险事故后48小时内通知保险人或其代理人前去查勘处理。
3、赔偿金额按以下方式确定：
展品迟于投保约定日期送达展位时，即保险事故发生，
视为参展商发生实际损失．
延迟时间(天)＝（展品送达展位的时刻－投保约定送达
展位日期当日12:00 ）/24 （延迟时间以展会天数为限；不足1/2天，不计赔）
展会天数(天)＝展会闭幕日期－展会开幕日期＋１
实际损失＝参展费用*（延迟时间÷展会天数）
赔偿金额=实际损失+施救费用+查勘费用-免赔额
施救费用和查勘费用之和以赔偿限额为限。
4、在向保险人索赔时，必须提供下列单证：
(1) 保险单正本；
(2) 索赔清单；
(3) 报名费、展位费、人员费（包括往返机票／食宿／签证）、展品运输费等有关发票及单据；
(4) 如涉及第三方责任，还需提供向第三方索赔的函电。
九、索赔时效
被保险人向保险人请求赔偿保险金的诉讼时效期间为二年，自其知道或者应当知道保险事故发生之日起计算。
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