一、責(zé)任范圍
　　　　本保險分為平安險、水漬險及一切險三種。被保險貨物遭受損失時，本保險按照保險單上訂明承保險別的條款規(guī)定，負賠償責(zé)任。
　　　　　　（一）平安險。本保險負責(zé)賠償：
　　　　　　　　1、被保險貨物在運輸途中由于惡劣氣候、雷電、海嘯、地震、洪水自然災(zāi)害造成整批貨物的全部損失或推定全損。當(dāng)被保險人要求賠付推定全損時，須將受損貨物及其權(quán)利委付給保險公司。被保險貨物用駁船運往或運離海輪的，每一駁船所裝的貨物可視作一個整批。推定全損是指被保險貨物的實際全損已經(jīng)不可避免，或者恢復(fù)、修復(fù)受損貨物以及運送貨物到原訂目的地的費用超過該目的地的貨物價值。
　　　　　　　　2、由于運輸工具遭受擱淺、觸礁、沉沒、互撞、與流冰或其他物體碰撞以及失火、爆炸意外事故造成貨物的全部或部份損失。
　　　　　　　　3、在運輸工具已經(jīng)發(fā)生擱淺、觸礁、沉沒、焚毀意外事故的情況下，貨物在此前后又在海上遭受惡劣氣候、雷電、海嘯等自然災(zāi)害所造成的部份損失。
　　　　　　　　4、在裝卸或轉(zhuǎn)運時由于一件或數(shù)件整件貨物落海造成的全部或部份損失。
　　　　　　　　5、被保險人對遭受承保責(zé)任內(nèi)危險的貨物采取搶救、防止或減少貨損的措施而支付的合理費用，但以不超過該批被救貨物的保險金額為限。
　　　　　　　　6、運輸工具遭遇海難后，在避難港由于卸貨所引起的損失以及在中途港，避難港由于卸貨，存?zhèn)}以及運送貨物所產(chǎn)生的特別費用。
　　　　　　　　7、共同海損的犧牲、分攤和救助費用。
　　　　　　　　8、運輸契約訂有“船舶互撞責(zé)任”條款，根據(jù)該條款規(guī)定應(yīng)由貨方償還船方的損失。
　　　　　?。ǘ┧疂n險。除包括上列平安險的各項責(zé)任外，本保險還負責(zé)被保險貨物由于惡劣氣候、雷電、海嘯、地震、洪水自然災(zāi)害所造成的部份損失。
　　　　　?。ㄈ┮磺须U。除包括上列平安險和水漬險的各項責(zé)任外，本保險還負責(zé)被保險貨物在運輸途中由于外來原因所致的全部或部分損失。
　　二、除外責(zé)任
　　　　本保險對下列損失不負賠償責(zé)任：
　　　　　?。ㄒ唬┍槐ｋU人的故意行為或過失所造成的損失。
　　　　　?。ǘ儆诎l(fā)貨人責(zé)任所引起的損失。
　　　　　?。ㄈ┰诒ｋU責(zé)任開始前，被保險貨物已存在的品質(zhì)不良或數(shù)量短差所造成的損失。
　　　　　?。ㄋ模┍槐ｋU貨物的自然損耗、本質(zhì)缺陷、特性以及市價跌落；運輸遲延所引起的損失或費用。
　　　　　?。ㄎ澹┍竟竞Ｑ筮\輸貨物戰(zhàn)爭險條款和貨物運輸罷工險條款規(guī)定的責(zé)任范圍和除外責(zé)任。
　　三、責(zé)任起訖
　　　　　?。ㄒ唬┍颈ｋU負“倉至倉”責(zé)任，自被保險貨物運離保險單所載明的起運地倉庫或儲存處所開始運輸時生效，包括正常運輸過程中的海上、陸上、內(nèi)河和駁船運輸在內(nèi)，直至該項貨物到達保險單所載明目的地收貨人的最后倉庫或儲存處所或被保險人用作分配、分派或非正常運輸?shù)钠渌麅Υ嫣幩鶠橹?。如末抵達上述倉庫或儲存處所，則以被保險貨物在最后卸載港全部卸離海輪后滿六十天為止。如在上述六十天內(nèi)被保險貨物需轉(zhuǎn)運到非保險單所載 明的目的地時，則以該項貨物開始轉(zhuǎn)運時終止。
　　　　　?。ǘ┯捎诒槐ｋU人無法控制的運輸延遲、繞道、被迫卸貨、重行裝載、轉(zhuǎn)載或承運人運用運輸契約賦予的權(quán)限所作的任何航海上的變更或終止運輸契約，致使被保險貨物運到非保險單所載明目的地時，在被保險人及時將獲知的情況通知保險人，并在必要時加繳保險費的情況下，本保險仍繼續(xù)有效，保險責(zé)任按下列規(guī)定終止。
　　　　　　　　1、被保險貨物如在非保險單所載明的目的地出售，保險責(zé)任至交貨時為止，但不論任何情況下，均以被保險貨物在卸載港全部卸離海輪后滿六十天為止。
　　　　　　　　2、被保險貨物如在上述六十天期限內(nèi)繼續(xù)運往保險單所載原目的地或其他目的地時，保險責(zé)任仍按上述第（一）款的規(guī)定終止。
　　四、被保險人的義務(wù)
　　　　被保險人應(yīng)按照以下規(guī)定的應(yīng)盡義務(wù)辦理有關(guān)事項，如因未履行規(guī)定的義務(wù)而影響保險人利益時，本公司對有關(guān)損失，有權(quán)拒絕賠償。
　　　　　　（一）當(dāng)被保險貨物運抵保險單所載明的目的港（地）以后，被保險人應(yīng)及時提貨，當(dāng)發(fā)現(xiàn)被保險貨物遭受任何損失，應(yīng)即向保險單上所載明的檢驗、理賠代理人申請檢驗，如發(fā)現(xiàn)被保險貨物整件短少或有明顯殘損痕跡應(yīng)即向承運人、受托人或有關(guān)當(dāng)局（海關(guān)、港務(wù)當(dāng)局等）索取貨損貨差證明。如果貨損貨差是由于承運人、受托人或其他有關(guān)方面的責(zé)任所造成，并應(yīng)以書面方式向他們提出索賠，必要時還須取得延長時效的認證。
　　　　　　（二）對遭受承保責(zé)任內(nèi)危險的貨物，被保險人和本公司都可迅速采取合理的搶救措施，防止或威少貨物的損失，被保險人采取此項措施，不應(yīng)視為放棄委付的表示，本公司采取此項措施，也不得視為接受委付的表示。
　　　　　?。ㄈ┤缬龊匠套兏虬l(fā)現(xiàn)保險單所載明的貨物、船名或航程有遺漏或錯誤時，被深險人應(yīng)在獲悉后立即通知保險人并在必要時加繳保險費，本保險才繼續(xù)有效。
　　　　　　（四）在向保險人索賠時，必須提供下列單證：
　　　　　　　　保險單正本、提單、發(fā)票、裝箱單、磅碼單、貨損貨差證明、檢驗報告及索賠清單。如涉及第三者責(zé)任，還須提供向責(zé)任方追償?shù)挠嘘P(guān)函電及其他必要單證或文件。
　　　　　?。ㄎ澹┰讷@悉有關(guān)運輸契約中“船舶互攜責(zé)任”條款的實際責(zé)任后，應(yīng)及時通知保險人。
　　五、索賠期限
　　　　本保險索賠時效，認被保險貨物在最后卸裁港全部卸離海輪后起算，最多不超過二年。
附件ocean marine cargo clauses
　?。╥）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 or after such accidents.
　　　　　　　　4）partial of 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 pert 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 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 cover all risks of loss of or damage to the insured goods whether partial or total， arising from external causes in the cause of transit.
　?。╥i）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 there from..
　　　　　　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.
　?。╥ii）commencement to termination of cover：
　　　　　　1.　warehouse to warehouses clause ：
　　　　　　　　this insurance attaches from the time the goods hereby insured leave the ware-house 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 stories 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 stories. if prior to the expire 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 transshipment 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 repaired， 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 assent 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 （customs and port authorities etc. ） certificate of loss or damage and/or sbortlanded 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 them 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， tally sheet， 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.
　　　　　　5.　immediate notice should be given to the company when the cargo owners actual responsibility under the contract of affreightment n 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.