2. 考研
  3. This insurance covers: (1) Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of

This insurance covers: (1) Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of

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问题     This insurance covers:
    (1) Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of transit by natural calamities—heavy weather, lightening, tsunami, earthquake and flood. In case a constructive total loss is claimed for, the insured shall abandon to the Company the damaged goods and all his rights and title pertaining thereto. The goods on each lighter to or from seagoing vessel shall be deemed a separate risk. "Constructive Total Loss" refers to the loss where an actual total loss appears to be unavoidable or the cost to be incurred in recovering or reconditioning the goods together with the forwarding cost to the destination named in the Policy would exceed their value on arrival.
    (2) Total or Partial Loss caused by accidents—the carrying conveyance being grounded, stranded, sunk or in collision with floating ice or other objects as fire or explosion.
    (3) Partial loss of the insured goods attributable to heavy weather, lightening and/or tsunami, where the conveyance has been grounded, stranded, sunk or burnt, irrespective of whether the event or events took place before or after such accidents.
    (4) Partial or total loss consequent on falling of entire package or packages into sea during loading, transshipment or discharge.
    (5) Reasonable cost incurred by the insured in salvaging the goods or averting or minimizing a loss recoverable under the Policy, provided that such cost shall not exceed the sum insured of the consignment so saved.
    (6) Losses attributable to discharge of the insured goods at a port or distress following a sea peril as well as special charges arising from loading, warehousing and forwarding of the goods at an intermediate port of call or refuge.
    (7) Sacrifice in and Contribution to General Average and Salvage Charges.
    (8) Such proportion of losses sustained by the ship owners as is to be reimbursed by the Cargo Owner under the Contract of Affreightment "Both to Blame Collision" clause.
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答案 本保险承保： (1)被保险货物在运输途中由于恶劣天气、雷电、海啸、地震和洪水自然灾害造成的全损或推定全损。如果索赔推定全损，投保人应当将受损货物及其权利及附属的其他权利转移给保险公司。每一驳船运人或运出海船的货物应当被认为是单独风险。“推定全损”是指被保险货物的实际全损已经不可避免，或者恢复、修复受损货物以及运送货物到原定目的地的费用超过该目的地的货物价值。 (2)由于运载工具的搁浅、触礁、沉没或与浮冰或其他物体碰撞以及失火或爆炸事故造成的全损或部分损失。 (3)由于恶劣天气、雷电或海啸造成运输工具已经搁浅、触礁、沉没或起火事故而发生的投保货物的部分损失，不论事故发生在自然灾害之前还是之后。 (4)在装货、运输或卸货期间整批包件坠入海中造成的部分或全部损失。 (5)投保人根据保险单条款为抢救货物或为防止或减小根据保证合同可以得到赔偿的损失而支出的必要的合理费用，但是，这笔费用不能超过所抢救货物投保总额。 (6)发生海难后投保货物在避难港的卸货损失以及在中间挂靠港或避难港装货，仓库储存和运输发生的特殊费用的损失。 (7)共同海损的牺牲、分摊和救助费用。 (8)根据租船合同中碰撞双方有责条款，货主应当偿还船东蒙受的部分损失。
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