Unit 14 insurance clauses
objection
 To identify the insurance
clause , know the contents of
it.
 To know the clauses and
coverage of CIC of PICC and
ICC.
Key words
1. obligation指“一个人在特定时间内必须
尽的义务或责任”, 如:
 To pay taxes is an obligation.
纳税是一种义务。
2. coverage 保险范围
3. to take out /arrange/ cover /
effect / provide insurance 投保
4. cover (1) vt. 保险，投保n.（保险业）保险
保险应由买方办理。
Insurance is to be covered by the buyers.
The sellers have arranged the necessary
insurance cover.
卖方已安排了必要的保险。
(2). 投保某种险别的常用表达为：
to cover the goods against All Risks.
to cover All Risks.
to insure (the goods) against All Risks
to cover insurance against All Risks
to have the goods insured against All
Risks
5. 表明保险情况时，insurance 的常用表达：
Cover insurance on…(goods, order,
contract)
against…(risk)
for…(amount)
at…(rate)
with…(insurance company)
我们已将100公吨花生按发票总金额的110％向中国
人保投保了一切险， 保险费率为0.5％。
We have covered insurance on the 100
metric tons of groundnut for 110% of
the total invoice value against all risks
with PICC at the rate of 0.5%.
dialogue
 what kind of insurance coverage did
they decide to take out at last?
 Is it acceptable if the buyer requires
covering some additional risks? Are
there any conditions set for it? If so,
what are they?
Tasks: fill in the blanks of
situation 1
insurance clauses
 保险条款应包括
1. 应由谁投保，谁购买保险； the insured
(投保人),
2. 投保何种保险条款的何种险别；the risks
covered (承保范围)
3. 投保何种金额，以何种货币投保； the
insured amount（投保金额）
4. 适用的保险条款。 the insurance terms
（保险条款）
保险条款
保险条款 保险条款名称
制定人
PICC
CIC(1/1/1981)
BASIC RISKS COVERAGE
GENERAL ADDITIONAL RISKS
SPECIAL ADDITONAL RISKS
OCEAN MARINE CARGO
CLAUSES
OVERLAND
TRANSPORTATION CARGO
CLAUSES
AIR TRANSPORTATION
CARGO CLAUSES
ILU
ICC (1/1/1982)
ICCA
ICCB
ICCC
ICC War Clauses
ICC Strike Clauses
Malicious Damages
Clauses
合同保险条款的常用表达：
 由谁投保（to be covered by…）,
投保金额(for …amount),
投保险别（against…risks），
向某保险公司投保（with…），
保险条款规定执行的依据 （as per…）.
Example
 保险由卖方按发票金额的110％投保协会货
物A险，按伦敦保险业协会1982年1月1日
货物A险条款负责
To be covered by the Seller for 110%
of the CIF invoice value against
Institute Cargo Clauses A as per
Institute Cargo Clause issued by
Institute of London Underwriters
dated 1/1/1982. 。
More examples p119
Have a try
1.保险应由买方购买。
 Insurance shall be for the Buyer’s
account.
2.保险：由卖方按发票金额的110％投保协会
货物险A险条款和战争险条款，根据1982
年1月1日的协会货物保险条款办理。
 Insurance: To be covered by the
Seller for 110% of total invoice value
against ICC(A) and ICC War clauses
as per Institute Cargo Clauses dated
1/1/1982.
3.保险： 由卖方按发票金额加成10％ 投保一切险和战争
险，如果买方要求加投上述保险或保险金额超出上述
金额，必须提前征得卖方的同意；超出的保险费由买
方承担。
 Insurance to be arranged by the Sellers for the
full invoice value plus 10% against all risks
and war risks. If the Buyers desire to cover for
any other extra risks besides aforementioned
of amount exceeding the aforementioned
limited, the sellers’ approval must be obtained
beforehand and all the additional premiums
thus incurred shall be for the Buyers’ account.
4.保险由卖方代表买方按发票金额的110％投
保一切险，保险费由买方承担。
 Insurance to be effected by the
sellers on behalf of the buyers for
110% of the invoice value against All
Risks, premium to be for buyers’
account.
Homework p122 3
1. 所有附加险都不能独立承保。
2. 保险： 由卖方按发票金额加成10％ 投保一切险
和战争险.
3. 买方如要求增加保额或保险范围，应于装船前经
售方同意，因此而增加的保险费由买方负责
4. Insurance: To be covered by the Seller
for 110% of total invoice value against
ICC(A) and ICC War clauses as per
Institute Cargo Clauses dated
1/1/1982.
5. We will effect insurance against All
Risks, as requested, charging premium
and freight to the consignees.