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  3. It is customary to insure goods against the risks of the journey. These risks include collision, leakage , pilferage, fire and s

It is customary to insure goods against the risks of the journey. These risks include collision, leakage , pilferage, fire and s

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问题    It is customary to insure goods against the risks of the journey. These risks include collision, leakage , pilferage, fire and storm, etc. If goods are properly insured, neither the exporter nor the customer suffers any loss. The passing of risk should be arranged properly between the buyer and the seller to a-void possible misunderstanding with regards to the responsibility of both parties. Theoretically speaking, the exporter insures the goods up to the point where the goods pass over the ship’s rail and the buyer takes responsibility from then on in a F. 0. B. contract. However, in practice, the customer usually buys insurance to cover the whole journey in F. 0. B. contracts from the exporter’s warehouse to the final destination.
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答案 为货物投保以防运输中的风险是商业惯例。这些风险包括碰撞、渗漏、偷窃、火灾、暴风雨等。如果为货物投保了合适的险种，出口商和客户均不承受任何损失。买卖双方间的风险转移应安排得当，以避免双方就应承担的责任产生分歧。理论上讲，在离岸价合约下，货物越过船舷前的一切责任由出口商承担，此后责任则由买方承担。但在实施中，离岸价合约下的客户通常会购买覆盖出口商仓库至目的地全程的保险。
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