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, bailed or other relevant authorities certificate of loss or damage and/or shorthand memo. Should the carrier, bailed or the other relevant authorities be responsible for such shortage, 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 also, take reasonable measures immediately in salvaging the goods or preventing 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, Weight Memo, Certificate of Loss or Damage and/or Shorthand 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.

【参考译文】

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，应立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立即向承运人、受托人或有关当局索取货损货差证明。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，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，被保险人采取此项措施，不应视为放弃委付的表示，本公司采取此项措施，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险费，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、发票、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。

【知识小贴士】

理赔代理人 (Settling Agent)

代理保险公司从事赔款处理的工作人员被称为理赔代理人。他的权力由保险人予以规定，代理人的行为就是所代理的保险人的行为。在规定的权限内，如有违法保险人的指定事项而导致损失时，理赔代理人须承担赔偿责任。

责任编辑：admin