Оговорка А Института Лондонских Страховщиков по страхованию грузов

Материал из Supply Chain Management Encyclopedia

English: Coverage A of the Institute Marine Cargo Clauses

The first general policy is referred to as Coverage A of the Institute Marine Cargo Clauses. Coverage A is quite similar to a traditional "All Risks" policy, in that it covers all risks of loss or damage to the subject-matter insured, yet it is not identical to one. For one, it is written in plain English, which makes it much simpler to decipher. Moreover, unlike traditional "All Risks" policies, which can be written with U.S. or British clauses (and the different interpretations they imply) a policy written with Coverage A of the Institute Marine (See Table 1. below) Cargo Clauses is identical in all countries. Despite its name, a Coverage A policy (and an All Risks policy) is not truly an All Risks policy, as it covers all perils except the some of them (improper packing, inherent vice, ordinary leakage, unseaworthy vessel, and nuclear war), as well as a number of risks for which specific additional coverage must be purchased separately as endorsements to the main policy: strikes and other civil disturbances (Strikes, Riots, and Civil Commotions) and acts of war and seizure by a government (Free of Seizure and Capture). Nevertheless, Coverage A of the Institute Marine Cargo Clauses is the maximum coverage that an exporter or an importer would need to purchase in the case of a shipment for most trade lanes in the world, specifically from a developed country to another, as long as the route does not cross a particularly hot spot of the world^[1].

An insurance certificate gives evidence of risk coverage for merchandise shipped. It is sent to the bank with other collection documents, and normally is used only when required by Letter of Credit or Documentary Collection procedures. There are many types of insurance policies available. Coverage requested is usually 110% of the value of the cargo shipped ^[2].

Таблица 1. Сводка данных по покрытиям при морском страховании^[3]

See also: Marine insurance

Правила Инкотермс и страхование ^[11]

The Incoterms rules deal only with the seller's obligation to take out insurance to the benefit of the buyer under CIF and CIP. Under all other terms, it is for the parties themselves to arrange insurance as they see fit.

The seller's insurance obligation to the benefit of the buyer:

■ stems from the nature of the C-term, which requires the seller to contract for carriage - without assuming the risk of loss of or damage to the goods in transit;

■ requires the seller only to take out insurance on minimum terms (the С clause of the Institute Cargo Clauses (LMA/IUA) or any similar set of clauses); and

■ invites the buyer to agree with the seller to arrange additional insurance or to arrange it himself.

Whenever the goods are not intended to be sold in transit, it is natural for the contracting parties to arrange their own insurance in order that the seller can protect himself against risks of loss of or damage to the goods up to the point he is at risk. For the seller, this will require transport insurance up to the point of delivery according to the F-, C- and D-terms, and, conversely, there is no need for him to procure transport insurance when the goods are sold EXW

References

1. ↑ David, P., Stewart, R. International Logistics: The Management of International Trade Operations - Thomson: Mason, Ohio. 2007 - Ch.10, 10.8a.
2. ↑ Wood, D.F., Barone, A., Murphy, P. International Logistics. Amacom, 2002 – Figure 12–1 Continued, p. 314
3. ↑ Ошибка цитирования Неверный тег <ref>; для сносок David не указан текст
4. ↑ Страхование и управление риском: Терминологический словарь / Сост.: В.В.Тулинов, В.С.Горин. – М.: Наука, 2000. – 565 с.
5. ↑ http://dic.academic.ru/dic.nsf/sea/568/%D0%91%D0%95%D0%97 - дата обращения: 13.05.2012
6. ↑ Страхование и управление риском: Терминологический словарь / Сост.: В.В.Тулинов, В.С.Горин. – М.: Наука, 2000.
7. ↑ ^{7,0 7,1 7,2 7,3} В соответствии с полисом FPA (СВОБОДНО ОТ ЧАСТИЧНОЙ АВАРИИ), любой понесенный частичный ущерб не будет подлежать страховому покрытию, если только он не произошел в результате затопления судна, возгорания судна, посадки судна на мель, или же вхождения судна в столкновение; будет покрыт полный ущерб
8. ↑ Шинкаренко И.Э. Англо-русский словарь страховых терминов. – М.: Анкил, 2005.
9. ↑ Королькевич В.А., Королькевич Ю.В. Современный англо-русский страховой словарь. – М.: ГИС, 2002.
10. ↑ Страховой бизнес: Словарь-справочник / Сост. Р.Т.Юлдашев. – М.: Анкил, 2005
11. ↑ Guide to Incoterms 2010: Understanding and Practical Use / by J. Ramberg – ICC Publication No 720E, 2010 edition - p.34