伦敦协会货物运输保险（空运）条款 - 1/1/09
（邮递除外）
承保风险
【风险】
1. 本保险承保保险标的损失或损害的一切风险，但下列第3、4及5条规定除外。
【救助费用】
2. 本保险承保救助费用，其产生系为了避免任何原因所造成的或与之有关的损失所引起的，但下列第3、4及5条规定的除外责任不包括在内。
除外责任
【一般除外条款】
3. 本保险无论如何不承保下列事项：：
3.1 被保险人故意行为所造成的损失、损害或费用；
3.2 保险标的的正常渗漏、重量或容量的正常损耗，或正常磨损；
3.3 由于保险标的包装或配载不固或不当造成无法抵抗运输途中发生的通常事故而产生的损失、损害或费用，且该种包装或配载是由被保险人或其雇员完成或该种包装或配载是在本保险责任开始前完成的（本条所称的“包装”包括集装箱内的积载；本条所称的“雇员”不包括合同商）；
3.4 由于保险标的的内在缺陷或特性造成的损失、损害或费用；
3.5 在本保险合同生效前装载已经开始的，被保险人或其雇员在保险标的装载时已知情的，飞机、运输工具或集装箱不适于安全运载保险标的所引起的损失、损害或费用；
3.6 由延迟引起的损失、损害或费用，即使延迟是由承保风险所引起；
3.7 由于飞机所有人、经理人、租机人或经营人破产或经济困境造成的损失、损害或费用，且该情况仅适用于：被保险人在保险标的装载时已经知道，或者在正常业务经营中应当知道，此种破产或者经济困境会导致该航程取消。
本条除外条款不适用于：保险合同已经转让给另一方，即另一方已经受合同约束购买或者同意购买保险标的且善意受让该保险合同。
3.8 由于使用任何原子或核子裂变和/或聚变或其他类似反应或放射性物质的武器或设备直接或间接造成的损失、损害或费用。
4. 本保险无论如何不承保下列事项所造成的损失、损害或费用：
4.1 战争、内战、、叛乱、造反或由此引起的内乱，或交战国或针对交战国的任何敌对行为；
4.2 捕获、拘留、扣留、禁制、扣押（海盗行为除外）以及这种行为的后果或这方面的企图；
4.3 被遗弃的水雷、鱼雷、或其他被遗弃的战争武器。
5. 本保险无论如何不承保下列损失、损害或费用：5.1 由罢工者、被迫停工工人或参与工潮、或民众的人员所致者；
5.2 罢工、被迫停工、工潮、或民众引起者；
5.3 恐怖主义行为，或与恐怖主义行为相联系，任何组织通过暴力直接实施的旨在推翻或影响法律上承认的或非法律上承认的的行为所致者；
5.4 任何人出于政治、信仰或宗教目的实施的行为所致者。
保险期间
【运输条款】
6.
6.1 按照下述第9条规定，本保险责任自保险标的为了开始航程立即搬运至运输车辆或其他运输工具的目的，开始进入仓库或储存处所（本保险合同载明的地点）时生效，包括正常运输过程，直至运到下述地点时终止：
6.1.1在本保险合同载明的目的地最后仓库或储存处所，从运输车辆或其他运输工具完成卸货；
6.1.2在本保险合同载明的目的地任何其他仓库或储存处所，或在中途任何其他仓库或储存处所，从运输车辆或其他运输工具完成卸货，上述任何其他仓库或储存处所是由被保险人或者其雇员选择用作：在正常运输过程之外的储存、分配或分派保险标的；
6.1.3被保险人或其雇员在正常运输过程之外选择任何运输车辆或其他运输工具或集装箱储存保险标的；
6.1.4自保险标的在最后卸载地点卸离飞机后满30天为止。
上述情况以先发生者为准。
6.2 如果保险标的在最后卸载地点卸离飞机后，本保险责任终止前，需被转运至非保险单载明的其他目的地时，本保险在依然受上述6.1.1至6.1.4有关终止规定所制约的同时，截至与该项保险标的开始转运之时；
6.3 在被保险人无法控制的任何运输延迟、任何绕道、被迫卸货、重新装载、转运以及承运人运用运输契约赋予的权限所做的任何飞行上的变更的情况下，本保险仍继续有效（仍受上述6.1.1至6.1.4有关保险终止期限和下述第7条规定制约）。
【运输契约终止】
7. 在被保险人无法控制的情况下，运输契约在原订目的地以外的地点终止，或因其他缘故在保险标的未能如上述第6条规定卸货前该运输即告终止时，则本保险亦同时终止，除非保险人立即接获通知并被要求继续保险效力，并于必要时加收保险费，则本保险仍得有效，以迄下列情形之一者为止：
7.1 保险标的已在该地点出售并交付，又如无其他特别约定，则以保险标的抵达该地点届满30天，以先发生者为准，或
7.2 如保险标的在上述30天内（或在任何约定的延长期间内）继续运往保险单所载明的目的地或其他目的地时，本保险的效力依上述第6条规定终止。
【运输变更】
8.
8.1 当本保险责任开始后，被保险人变更目的地，应立即通知保险人，并另行商定保险费率和条件。在此费率和条件达成一致前，出现保险事故，只有在保险费率和保险条件符合合理的市场行情情况下，本保险才会仍然有效。
8.2 当保险标的按照本保险合同的规定开始运输时（与上述6.1相一致），被保险人或其雇员对该飞机驶向另一目的地不知情，那么本保险合同仍然被视作是在本保险合同规定的运输开始时生效。
索赔
【保险利益】
9.
9.1 在发生损失时，被保险人必须对保险标的具有保险利益，才能获得本保险单项下的赔偿。
9.2 被保险人有权按照上述9.1规定，对在本保险期限内发生的承保损失获得赔偿，即使损失发生在保险合同签订之前亦同。但在缔约时被保险人已经知道损失发生，而保险人并不知晓者除外。
【转运费用】
10. 由于本保险承保的风险造成运输行程在非保险单所载明的地点终止，被保险人为将保险标的卸下、存仓和转运至保险单所载明的目的地所支出的运费及其他任何适当而合理的额外费用，均由保险人负责赔偿。
本条不适用于救助费用，并受上述第3、4及5条所载除外责任制约，并且不包括由于被保险人或其雇员的过失、疏忽、破产或经济困境而引起的费用。
【推定全损】
11. 除非保险标的的实际全损已不可避免，或其恢复、整修及运还原承保目的地的费用势将超过其抵达时的价值而经合理委付者，被保险人不得以推定全损请求赔偿。
【增值条款】
12.
12.1 如果被保险人对本保险单项下承保的保险标的办理任何增值保险，则保险标的的约定价值应视为增至本保险的保险金额加上所有承保该项损失的增值保险的保险金额总和，本保险的责任按照本保险的保险金额占保险金额总和的比例计算。
被保险人提出索赔时，应向保险人提供所有其他保险有关保险金额的证明。
12.2 如果本保险是增值保险，则适用下述条款：
保险标的的约定价值应视为等于由被保险人对保险标的办理的原始保险和所有增值保险的保险金额总和，本保险的责任按照本保险的保险金额占保险金额总和的比例计算。
被保险人提出索赔时，应向保险人提供所有其他保险有关保险金额的证明。
保险受益
13. 本保险
13.1 保障被保险人，包括根据本保险合同提出索赔的人员或收货人；
13.2 除非有特别说明，承运人或其他受托人不享受本保险的利益。
减少损失【被保险人义务】
14. 当发生本保险承保的损失时，被保险人及其雇员和代理人有义务：
14.1 为避免或减少损失而应采取合理措施；
14.2 保证适当保留和行使对承运人、受托人或其他第三者追偿的一切权力。
保险人除负责赔偿承保责任内的任何损失外，还应对被保险人因履行上述义务而支出的任何适当而合理的费用给予补偿。
【放弃条款】
15. 被保险人或保险人为施救、保护或恢复保险标的所采取的措施，不应视为放弃或接受委付的表示，或视为影响任何一方的权益。
避免延误
16. 本保险条件之一是被保险人应在所有其力所能及的情况下，合理迅速地处置所发生的事情。
法律和惯例
17. 本保险受英国法律和惯例调整。
附注：根据第7条发生需要要求延长保险期限或根据第发生航程目的地变更，被保险人有义务应迅速书面通知保险人，其对本保险的权利取决于是否履行上述义务。
SAMSUNG PROPERTY & CASUALTY INSURANCE
INSTITUTE CARGO CLAUSES (AIR) - 1/1/09
(excluding sendings by Post)
RISKS COVERED
Risks
1.This insurance covers all risks of loss of or damage to the subject-matter insured except as excluded
by the provisions of Clauses 3, 4 and 5 below.
Salvage Charges
2.This insurance covers salvage charges incurred to avoid or in connection with the avoidance of loss
from any cause except those excluded in Clauses 3, 4 and 5 below.
EXCLUSIONS
3.In no case shall this insurance cover
3.1 loss damage or expense attributable to wilful misconduct of the Assured
3.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the
subject-matter insured
3.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the
subject-matter insured to withstand the ordinary incidents of the insured transit where such packing or preparation is carried out by the Assured or their employees or prior to the attachment of this insurance (for the purpose of these Clauses "packing" shall be deemed to include stowage in a container and "employees" shall not include independent contractors)
3.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured
3.5 loss damage or expense arising from unfitness of aircraft conveyance or container for the safe
carriage of the subject-matter insured, where loading therein or thereon is carried out prior to attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading.
This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract.
3.6 loss damage or expense caused by delay, even though the delay be caused by a risk insured
against
3.7 loss damage or expense caused by insolvency or financial default of the owners managers
charterers or operators of the aircraft where, at the time of loading of the subject-matter insured on board the aircraft, the Assured are aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the transit
This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faithunder a binding contract
3.8 loss damage or expense directly or indirectly caused by or arising from the use of any weapon or
device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
4.In no case shall this insurance cover loss damage or expense caused by
4.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act
by or against a belligerent power
4.2 capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or
any attempt thereat
4.3 derelict mines torpedoes bombs or other derelict weapons of war.
5.In no case shall this insurance cover loss damage or expense
5.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or
civil commotions
5.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions
5.3 caused by any act of terrorism being an act of any person acting on behalf of, or in connection
with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of any government whether or not legally constituted
5.4 caused by any person acting from a political, ideological or religious motive.
DURATION
Transit Clause
6. 6.1 Subject to Clause 9 below, this insurance attaches from the time the subject-matter insured is
first moved in the warehouse, premises or at the place of storage (at the place named in the contract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of transit and terminates either
6.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at the
final warehouse, premises or place of storage at the destination named in the contract
of insurance,
6.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at any
other warehouse, premises or place of storage, whether prior to or at the destination
named in the contract of insurance, which the Assured or their employees elect to use
either for storage other than in the ordinary course of transit or for allocation or
distribution, or
6.1.3 when the Assured or their employees elect to use any carrying vehicle or other
conveyance or any container for storage other than in the ordinary course of transit or
6.1.4 on the expiry of 30 days after completion of unloading of the subject-matter insured
from the aircraft at the final place of discharge,
whichever shall first occur.
6.2 If, after unloading from the aircraft at the final place of discharge, but prior to termination of this
insurance, the subject-matter insured is to be forwarded to a destination other than that to which it is insured, this insurance, whilst remaining subject to termination as provided in Clauses 6.1.1 to 6.1.4, shall not extend beyond the time the subject-matter insured is first moved for the purpose of the commencement of transit to such other destination.
6.3 This insurance shall remain in force (subject to termination as provided for in Clauses 6.1.1 to
6.1.4 above and to the provisions of Clause 7 below) during delay beyond the control of the
Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to the air carriers under the contract of carriage.
Termination of Contract of Carriage
7.If owing to circumstances beyond the control of the Assured either the contract of carriage is
terminated at a place other than the destination named therein or the transit is otherwise terminated before unloading of the subject-matter insured as provided for in Clause 6 above, then this insurance shall also terminate unless prompt notice is given to the Insurers and continuation of cover is requested when this insurance shall remain in force, subject to an additional premium if required by the Insurers, either
7.1 until the subject-matter insured is sold and delivered at such place, or, unless otherwise specially
agreed, until the expiry of 30 days after arrival of the subject-matter insured at such place, whichever shall first occur,
or
7.2 if the subject-matter insured is forwarded within the said period of 30 days (or any agreed
extension thereof) to the destination named in the contract of insurance or to any other destination, until terminated in accordance with the provisions of Clause 6 above.
Change of Transit
8.8.1 Where, after attachment of this insurance, the destination is changed by the Assured, this must be
notified promptly to Insurers for rates and terms to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at
a reasonable commercial market rate on reasonable market terms.
8.2 Where the subject-matter insured commences the transit contemplated by this insurance (in
accordance with Clause 6.1), but, without the knowledge of the Assured or their employees the aircraft leaves for another destination, this insurance will nevertheless be deemed to have attached at commencement of such transit.
CLAIMS
Insurable Interest
9.9.1 In order to recover under this insurance the Assured must have an insurable interest in the
subject-matter insured at the time of the loss.
9.2 Subject to Clause 9.1 above, the Assured shall be entitled to recover for insured loss occurring
during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Insurers were not.
Forwarding Charges
10.Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated
at a place other than that to which the subject-matter insured is covered under this insurance, the Insurers will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter insured to the destination to which it is insured.
This Clause 10, which does not apply to salvage charges, shall be subject to the exclusions containedin Clauses 3, 4 and 5 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their employees.
Constructive Total Loss
11.No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured
is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter insured to the destination to which it is insured would exceed its value on arrival.
Increased Value
12.12.1 If any Increased Value insurance is effected by the Assured on the subject-matter insured under
this insurance the agreed value of the subject-matter insured shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured.
In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances.
12.2 Where this insurance is on Increased Value the following clause shall apply:
The agreed value of the subject-matter insured shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the subject-matter insured by the Assured, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured.
In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances.
BENEFIT OF INSURANCE
13.This insurance
13.1 covers the Assured which includes the person claiming indemnity either as the person by or on
whose behalf the contract of insurance was effected or as an assignee,
13.2 shall not extend to or otherwise benefit the carrier or other bailee.
MINIMISING LOSSES
Duty of Assured
14.It is the duty of the Assured and their employees and agents in respect of loss recoverable hereunder
14.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss,
and
14.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and
exercised
and the Insurers will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.
Waiver
15.Measures taken by the Assured or the Insurers with the object of saving, protecting or recovering the
subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
A VOIDANCE OF DELAY16.It is a condition of this insurance that the Assured shall act with reasonable despatch in all
circumstances within their control.
LAW AND PRACTICE
17.This insurance is subject to English law and practice.
NOTE –Where a continuation of cover is requested under Clause 7, or a change of destination is notified under Clause 8, there is an obligation to give prompt notice to the Insurers and the right to such cover is dependent upon compliance with this obligation.
© Copyright: 11/08 -Lloyd's Market Association (LMA) and International Underwriting Association of London (IUA).
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