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作一个整批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订目的地的费用超过该目的地的货物价值。

2. 对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。

【参考详文】

Free From Particular Average

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 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 on 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 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.

【知识小贴上】

推定全损(Constructive Total Loss; Technical Total Loss)

推定全损是指实际全损已不可避免，或受损货物残值，如果加上施救、整理、修复、续运至目的地的费用之和超过其抵达目的地的价值时，可视为已近全损。推定全损是“实际全损”的对称。保险标的受损后并未完全丧失，是可以修复或可以收回的，但所花的费用将超过获救后保险标的的价值，因此得不偿失。在此情况下，保险公司放弃努力，给予被保险人以保险金额的全部赔偿即为推定全损。

责任编辑：admin