中国人民保险公司
总公司于北京 一九四九年成立
HEAD OFFICE:BEIJING ESTABLISHED IN 1949
号码 保 险 单 保险单号
invoices No INSURANCE POLICY Policy No: 中 国 人 民 保 险 公 司 （以 下 简 称 本 公 司） This policy of Insurance witnesses(that The People’s Insurance company of China called “The Company”)
根 据 (以 下 简 称 被 保 险 人 At the request of ________________________（Here in first called the \"“insured”） ） 的 要 求，由 被 保 险 人 向 本 公 司 缴 付 约 定 的 保 险 费 ，
, and in consideration of the agreed premium paying to the company by the insured, undertakes to insure the
按 照 本 保 险 单 承 保 险 别 和 背 面 所 载 条 款 与 下 列
undermentioned goods in transportation subject to the conditions of the policy as per the Clauses printed
特 款 承 保 下 述 货 物 运 输 保 险 ，特 立 本 保 险 单 。 overleaf and otherspecial clauses attached hereon.
标 记 Marks & notes 包装及数量 Quantity 保险货物项目 Description of goods 保险金额 Amount insured
总 保 险 金 额
(Total Amount Insured ) _____________________________________
保 费 费率 装载运输工具 Premium______________ Rate ______________Per conveyance S.S ______________
开行日期 从 至 Sig. On of abt _____________ From _____________.to _____________
承保险别 conditions.
所 保 货 物，如 遇 出 险，本 公 司 凭 本 保 险 单 及 其 他 有 关 证 件 给 付 赔 Claims, if any, payable on surrender of this Policy together with other relevant documents. In the event of
款。所 保 货 物 ，如 发 生 本 保 险 单 项 下 负 责 赔 偿 的 损 失 或 事 故 ，
accident where by loss or damage may result in a claim under this Policy immediate notice applying for Surbey
应 立 即 通 知 本 公 司 下 述 代 理 人 查 勘 。
must be given to the company’s Agent as mentioned hereunder.
赔款偿付地点
Claim payable at _____________________..
日期
DATE _____________________
地址：
Address: _____________________
2、保险单的分类：
⑴ 保险单 （Insurance Policy）俗称大保单，印有保险条款，是一种的保险凭证。
⑵ 保险凭证（Insurance Certificate）俗称小保单，没有印制保险条款，是一种简单的保险凭证。
⑶ 联合保险凭证（Combined Insurance Certificate）联合保险凭证利用商业在上面加盖保险章，注明保险编号、险别、金额、装船船名、开船日期等，以此作为保险凭证。与保险单有同等效力，但不能转让。一般用于港澳地区中资银行开立的信用证项下业务。 ⑷ 预约保险单（Open Policy）
凡属预约保险范围内的进出口货物，一经起运，即自动按预约保险单所列条件承保。（凭起运通知书或其他书面形式通知保险公司）
二、保险金额的确定和保险费的计算
1、保险金额（Insured Amount）保险人承担赔偿或给付保险金责任的最高限额。
保险金额＝CIF(CIP)货值 * （1+投保加成率） CIF(CIP)价 ＝ CFR(CPT ) 价 1- [保险费率 * （1+投保加成率）] 2、保险费（Premium）
保险公司收取保险费的计算公式： 保险费 ＝ 保险金额 * 保险费率 三、保险单的内容
1、Number of Original Policy 正本份数
一套保险单正本三份，有印有“Original”字样。 2、Invoice No. 号次： 填入号码
3、Policy No. 保险单号次： 填保险公司指定的号码 4、Insured 被保险人
即保险单的抬头，在CIF 货CIP贸易条件下，投保人即卖方，所以一般被保险人栏填卖方名称，即信用证受益人名称，经过背书转让。 如信用证规定“Payable to the order of ABC Bank”，此栏填写“出口公司名称 Held to ABC Bank”
5、Marks & Nos. 唛头和号码
唛头与、提单一致。
6、Package & Quantity 包装及数量
将包装单位和最大包装数量填入，与提单、一致。包装单位不同时，要分别列明。
7、Description of Goods 保险货物项目
一般按品名填写
8、Amount Insured 保险金额：一般习惯最低按CIF或CIP总值加上10％投保加成，即按总金额的110％投保。
9、Total Amount Insured 总保险金额： 金额大写，与8一致。 10、Premium & Rate 保费与费率：
一般保险单印刷时已印妥“As arranged”，保费与费率可以不具体表示
11、Per Conveyance 装载运输工具：按实际运输方式和运输工具名称填入。
12、Sig. On… from…to… 开航日期及起讫地点
开航日期即运输单据上所载明的实际装运日期。如缮制保单时，提单尚未签发，保险单虽然允许表示大约的开航日期，但最好还是暂时留空，待提单签发后再填。
起讫地点应与提单记载一致，而且符合信用证规定。 13、Condition 承保险别
本栏是保险单的核心内容，是将来理赔责任范围的主要依据，所以必须慎重填制，严格与信用证规定相符，尽量再信用证词句的基础上再进行必要的调整排列。
14、Surveying and Claim Setting Agents 货损检验与理赔代理人 选择再目的港或目的港附近有关机构为货损检验、理赔代理人。保险单上一定详细列明代理人的地址，以便收货人联系查找。代理人应由出口商指定。
15、Claim Payable at… 赔付地点
如果信用证指定赔付地点，应按信用证要求表示；如果信用证没有明确，一般以目的港为赔付地点。 16、Date & Place 日期及地点
保险单签发日期是保险公司责任开始日期，不得晚于运输单据所记载的装运日期。
尤其是仓至仓条款，保险公司责任从装运货物一出仓库门时就开始。
保险单签发地点即办理投保所在地点，一般保险公司事先印妥。 17、Authorized Signature 签章：保险公司签字盖章。
OCEAN MARINE CARGO INSURANCE CLAUSES
I. Scope of Cover This insurance is classified into the following three Conditions —— Free From Particular Average （F. P. A. ）, With Average （W. A.） and All Risks. Where the goods insured hereunder sustain loss or damage, the Company shall undertake to
indemnify therefor according to the Insured Condition specified in the Policy and the Provisions of these Clauses：
1. Free From Particular Average （F.P.A） 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, lightning, 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 the 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, lightning 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, transhipment 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 of distress following a sea peril as well as special charges arising from loading, warehousing and forwarding of the goods at an intermediate port of call or refuge.
（7） Sacrifice in and Contribution to Genera Average and Salvage Charges.
（8） Such proportion of losses sustained by the shipowners as is to be reimbursed by the Cargo Owner under the Contract of Affreightment \"Both to Blame Collision\" clause. 2. With Average （W.A.） Aside from the risks covered under F. P. A. condition as above, this insurance also covers partial losses of the insured goods caused by heavy weather, lightning, tsunami, earthquake and/or flood.
3. All Risks Aside from the risks covered under the F. P. A. and W. A. conditions as above, this insurance also covers all risks of loss of or damage to the insured goods whether partial or total, arising from external causes in the course of transit. II. Exclusions
This Insurance does not cover：
1. Loss or damage caused by the intentional act or fault of the Insured.
2. Loss or damage falling under the liability of the consignor.
3. Loss or damage arising from the inferior quality or shortage of the insured goods prior to the attachment of this insurance.
4. Loss or damage arising from normal loss, inherent vice or nature of the insured goods, loss of market and/or delay in transit and any expenses arising therefrom. 5. Risks and liabilities covered and excluded by the Ocean Marine Cargo War Risks Clauses and Strike, Riot and Civil Commotion Clauses of this Company.
III. Commencement and Termination of Cover
1. 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 sea, land and inland waterway transits and transit in lighter 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 or for storage other than in the ordinary course of transit. This insurance shall, however, be limited to sixty （60） days after completion of discharge of the insured goods from the seagoing vessel at the final port of discharge before they reach the above mentioned warehouse or place of storage. If prior to the expiry of the above mentioned sixty （60） days, the insured goods are to be forwarded to a destination other than that named in the Policy, this insurance shall terminate at the commencement of such transit.
2. If, owing to delay, deviation, forced discharge, reshipment or transhipment beyond the control of the Insured or any change or termination of the voyage arising from the exercise of a liberty granted to the shipowners under the contract of affreightment, the insured goods arrive at a port or place other than that named in the Policy, subject to immediate notice being given to the Company by the Insured and an additional premium being paid, if required, this insurance shall remain in force and shall terminate as hereunder：
（1） If the insured goods are sold at port or place not named in the Policy, this insurance shall terminate on delivery of the goods sold, but in no event shall this insurance extend beyond sixty （60） days after completion of discharge of the insured goods from the carrying vessel at such port or place.
（2） If the insured goods are to be forwarded to the final destination named in the Policy or any other destination, this insurance shall terminate in accordance with Section 1 above.
IV. Duty of the Insured
It is the duty of the Insured to attend to all matters as specified hereunder, failing which the Company reserves the right to reject his claim for any loss if and when such failure prejudice the rights of the Company：
1. The Insured shall take delivery of the insured goods in good time upon their arrival at the port of destination named in the Policy. In the event of any damage to the goods, the Insured shall immediately apply for survey to the survey and/or settling agent stipulated in the Policy. If the insured goods are found short in entire package or packages or to show apparent traces of damage, the Insured shall obtain from the carrier, bailee or other relevant authorities （Customs and Port Authorities etc.） certificate of loss or damage and/or shortlanded memo. Should the carrier, bailee or the other relevant authorities be responsible for such shortage or damage, the Insured shall lodge a claim with them in writing and, if necessary, obtain their confirmation of an extension of the time limit of validity of such claim.
2. The Insured shall, and the Company may also, take reaconable measures immediately in salvaging the goods or prevention or minimizing a loss or damage thereto. The measures so taken by the Insured or by the Company shall not be considered respectively, as a waiver of abandonment hereunder, or as an acceptance thereof. 3. In case of a change of voyage or any omission or error in the description of the interest, the name of the vessel or voyage, this insurance shall remain in force only upon prompt notice to this Company when the Insured becomes aware of the same and payment of an additional premium if required.
4. The following documents should accompany any claim hereunder made against this Company： Original Policy, Bill of Lading. Invoice, Packing List, Tally Sheet, Weight Memo, Certificate of Loss or Damage and/or Shortland Memo, Survey Report, Statement of Claim. If any third party is involved, documents relative to pursuing of recovery from such party should also be included.
5. Immediate notice should be given to the Company when the Cargo Owner''s actual responsibility under the contract of affreightment \"Both to Blame Collision\" clause becomes known.
V. The Time of Validity of a Claim
The time of validity of a claim under this insurance shall not exceed a period of two years counting from the time of completion of discharge of the insured goods from the seagoing vessel at the final port of discharge.
MARINE CARGO TRANSPORTATION INSURANCE POLICY
Invoice No. Policy No. This policy of Insurance witnesses that the Insurance
Company （hereinafter called \"The Company\"）, at the Request of ___________________ （hereinafter called the \"Insured\"） and in consideration of the agreed premium being paid to the company by the Insured, undertakes to insure the undermentioned goods in transportation subject to the conditions of this policy as per the Clauses printed overleaf and other special Clauses attached hereon.
Marks & Nos. Quantity Description of Goods Amount Insured Total Amount Insured _________________ Premium as arranged —— Rate as arranged —— Perconveyance S. S. __________ Slg. on or abt.________ from ________ to ________ Conditions ________ Claims, if any, payable on surrender of this Policy together with other relevant documents. In the event of accident whereby loss or damage may result in a claim under this Policy immediate notice applying for survey must be given to the Company''s Agent as mentioned hereunder. ______ Insurance Company Claim payable at
__________________ Address of Issuing Office _________________ BUSINESS DEPARTMENT Our Contract Template Database is complied in accordance with laws of P.R.China.This English document is translated according to its Chinese version. In case of discrepancy, the original version in Chinese shall prevail
责任范围
本保险分为平安险，水渍险及一切险三种。被保险货物遭受损失时，本保险按照保险单上订明承保险别的保险条款规定，负赔偿责任。 （一）平安险 本保险负责赔偿：
1.被保险货物在运输途中由于恶劣气候,雷电,海啸,地震,洪水自然灾害造成整批货物的全部损失或推定全损。当被保险人要求赔付推定全损时，须将受损货物及其权利委付给保险公司。被保险货物用驳船运往或运离海轮的，每一驳船所装的货物可视做一个整批。推定全损是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订目的地的费用超过该目的地的货物价值。
2.由于运输工具遭受搁浅,触礁,沉没,互撞,与流冰或其他物体碰撞以及失火,爆炸意外事故造成货物的全部或部分损失。
3.在运输工具已经发生搁浅,触礁,沉没，焚毁意外事故的情况下，货物在此前后又在海上遭受恶劣气候，雷电，海啸等自然灾害所造成的部分损失。 4.在装卸或转运时由于一件或数件整件货物落海造成的全部或部分损失。 5.被保险人对遭受承保责任内危险的货物采取抢救，防止或减少货损的措施而支付的合理费用，但以不超过该批被救起货物的保险金额为限。
6.运输工具遭遇海难后，在避难港由于卸货所引起的损失以及在中途港，避难港由于卸货，存仓以及运送货物所产生的特别费用。 7.共同海损的牺牲，分摊和救助费用。
8.运输契约订有\"船舶互撞责任\"条款，根据该条款规定应由货方偿还船方的损失。
（二）水渍险
除包括上列平安险的各项责任外，本保险还负责被保险货物由于恶劣气候，雷电，海啸，地震，洪水自然灾害所造成的部分损失。 （三）一切险
除包括上列平安险和水渍险的各项责任外，本保险还负责被保险货物在运输途中由于外来原因所致的全部或部分损失。
二、除外责任
本保险对下列损失不负赔偿责任：
（一）被保险人的故意行为或过失所造成的损失。 （二）属于发货人责任所引起的损失。
（三）在保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的
损失。
（四）被保险货物的自然损耗，本质缺陷，特性以及市价跌落，运输延迟所引起的损失或费用。
（五）本公司海洋运输货物战争险条款和货物运输罢工险条款规定的责任范围和除外责任。 三、责任起讫
（一）本保险负\"仓至仓\"责任，自被保险货物运离保险单所载明的起运地仓库或储存处所开始运输时生效，包括正常运输过程中的海上，陆上，内河和驳船运输在内，直至该项货物到达保险单所载明目的地收货人的最后仓库或储存处所或被保险人用做分配，分派或非正常运输的其他储存处所为止。如未抵达上述仓库或储存处所，则以被保险货物在最后卸载港全部卸离海轮后满六十天为止。如在上述六十天内被保险货物需转运到非保险单所载明的目的地时，则以该项货物开始转运时终止。
（二）由于被保险人无法控制的运输延迟，绕道，被迫卸货，重行装载，转载或承运人运用运输契约赋予的权限所作的任何航海上的变更或终止运输契约，致使被保险货物运到非保险单所载明目的地时，在被保险人及时将获知的情况通知保险人，并在必要时加缴保险费的情况下，本保险仍继续有效，保险责任按下列规定终止。
1.被保险货物如在非保险单所载明的目的地出售，保险责任至交货时为止，但不论任何情况，均以被保险货物在卸载港全部卸离海轮后满六十天为止。 2.被保险货物如在上述六十天期限内继续运往保险单所载原目的地或其他目的地时，保险责任仍按上述第（一）款的规定终止。
四、被保险人的义务
被保险人应按照以下规定的应尽义务办理有关事项，如因未履行规定的义务而影响保险人利益时，本公司对有关损失，有权拒绝赔偿。
（一）当被保险货物运抵保险单所载明的目的港（地）以后，被保险人应及时提货，当发现被保险货物遭受任何损失，应即向保险单上所载明的检验，理赔代理人申请检验，如发现被保险货物整件短少或有明显残损痕迹应即向承运人，受托人或有关当局（海关，港务当局等）索取货损差证明。如果货损货差是由于承运人，受托人或其他有关方面的责任所造成，并应以书面方式向他们提出索赔，必要时还须取得延长时效的认证。
（二）对遭受承保责任内危险的货物，被保险人和本公司都可迅速采取合理的抢救措施，防止或减少货物的损失，被保险人采取此措施，不应视为放弃委托的表示，本公司采取此措施，也不得视为接受委付的表示。
（三）如遇航程变更或发现保险单所载明的货物，船名或航程有遗漏或错误时，被保险人应在获悉后立即通知保险人并在必要时加缴保费，本保险才继续有效。 （四）在向保险人索赔时，必须提供下列单证：
保险单正本，提单，，装箱单，磅码单，货损货差证明，检验报告及索赔清单。如涉及第三者责任，还须提供向责任方追偿的有关函电及其他必要单证或文件。
（五）在获悉有关运输契约中\"船舶互撞责任\"条款的实际责任后，应及时通知保险人。
五、索赔期限
本保险索赔时效，从被保险货物在最后卸载港全部卸离海轮后起算，最多不超过二年。
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