海上货物保险险别英语
海洋货物运输中涉及的主要保险险别
一、基本险WPA: 水渍险，是With Particular Average的缩写FPA: 平安险，是Free from Particular Average的缩写AR : 一切险，是All Risks的缩写其中WPA covers everything FPA covers，and it also covers partial loss caused by badweather，thundering，earthquake，storms and so on，while FPA only covers total lossof the insured cargo under some limited conditions.（水渍险条款中包括了平安险中所有的保险内容，而且也承担由恶劣天气，雷电，地震，暴风雨等导致的部分损失，而平安险只承担被投保货物在一定条件下的损失）同时“All Risks”doesn’t include all the risks，such as Strike，War Risks，（一切险并不包括所有的风险，如罢工险，战争险）二、附加险Fresh and/ or Rain Water Damage 是淡水雨淋险Clash&Breakage Risk 是破损险Sweating & Hearting Risks 是受潮受热险Hook Damage 是吊钩险Rust Risk 是锈损险Breakage of Packing Risk 是包装破碎险TPND即Theft，Pilferage and Non-Delivery 是偷窃提货不着险Shortage Risk 是短量险Leakage Risk 是渗漏险Intermixture&Contaimination Risk 是混杂、玷污险Taint of Odour Risk 是串味险。
海洋运输货物保险条款英文版
CHINA PACIFIC PROPERTY INSURANCE COMPANY LIMITEDOCEAN MARINE CARGO CLAUSESI. Scope of CoverThis 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 therefore 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 before or after such accidents.(4) Partial or total loss consequent on falling of entire package or packages into sea during loading, transhipment or discharge.(5) Reasonable cost incurred by the Insured in 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.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 RisksAside from the risks covered under the F.P.A. and W.A. conditions as above, this insurance also covers all risks of loss of or damage to the insured goods whether partial or total, arising from external causes in the course oftransit.II. ExclusionsThis 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 therefrom.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.III. Commencement and Termination of Cover1、Warehouse to Warehouse Clause:This insurance attaches from the time the goods hereby insured leave the warehouse 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 o f 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 storage 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 storage. If prior to the expiry 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 transhipment beyond the control of the Insured or any change or termination of the voyage arising from the exercise of a liberty granted to the ship-owners 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 required, 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 InsuredIt is the duty of the Insured to attend to all matters as specified hereunder: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 agent stipulated in the Policy. If the insured goods are found short in entire package orpackages or to show apparent traces of damage, the Insured shall obtain from the carrier, bailee or other relevant authorities (Customs and Port Authorities etc.) certificate of loss or damage and /or shortlanded memo. Should the carrier, bailee or the other relevant authorities be responsible for such shortage or damage, the Insured shall lodge a claim with them in writing and, if necessary, obtain their confirmation of an extension of the time limit of validity of such claim. If the Insured fails to fulfill the aforesaid obligations, the Insurer shall not be liable for the indemnity to the loss or damage attributable to such failure.2、The Insured shall, and the Company may 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.The Insurer shall not be liable for the indemnity to the increased loss or damage attributable to the Insured’s failure to fulfill the aforesaid obligations.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 Shortlanded 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.If the Insured fails to provide the aforesaid claim documents, the Insurer shall not be liable for the indemnity tothe parts of the loss or damage which can not be verified due to such failure.5、Immediate notice should be given to the Company when the Cargo Owner’s actual responsibility under the contract of affreightment “Both to Blame Collision ” Clause becomes known. Otherwise, the Insurer shall not be liable for the indemnity to the loss or damage attributable to such failure.Ⅴ. Claims HandlingThe Insurer shall upon receipt of a claim from the Insured, check and ascertain without delay whether this insurance covers the loss or damage ,then notify the Insured of the result. Where in the circumstances of complicated claim the Insurer fails to ascertain the facts within thirty days after receiving the claim and the relevant documents from the Insured, the Insurer shall discuss and agree on a reasonable claim handling period with the Insured according to the actual situation. Then the Insurer shall ascertain the facts and notify the insured of the result within this period. Where the loss or damage is covered by the insurance, the Insurer shall fulfil the obligation of indemnity to settle the claim within ten days from reaching an agreement on the amount of indemnity with the Insured.Ⅵ. The Time of Validity of a ClaimThe time of validity of a claim under this insurance shall not exceed a period of two years counting from the day on which the peril insured against occurred.。
三种贸易术语(FOB、CNF、CIF)简介和区别
三种贸易术语(FOB、CNF、CIF)简介和区别一、基本概念贸易术语（TRADE TERMS）又称贸易条件，价格术语（PRICE TERMS），它是一个简短的概念（SHORTHAND EXPRESSION），它确定了买卖双方相关费用、风险及责任的划分，以及买卖双方在交货和接货过程中应尽的义务，是贸易中价格的重要组成部分。
二、有关贸易术语的主要国际惯例主要惯例有三种A．1932年华沙牛津规则（WARSAW-OXFORD RULES 1932，简称W.O.RULES 1932）B．1941年美国对外贸易定义修订本（REVISED AMERICAN FOREIGN TRADE DEFINITIONS 1941）C．国际商会制定的《2000年通则》英文为INCOTERMS 2000，（ICC UBLICATION NO.560）国际商会简称ICC是INTERNATIONAL CHAMBER OF COMMERCE三个单词第一个字母大写. INCOTERMS来源于INTERNATIONAL COMMERICAL TERMS三个单词合并而成。
三、当前国际贸易中广泛采用的贸易术语惯例①是国际商会制定的《INCOTERMS 1990》或《INCOTERMS 2000》②国际商会于1919年成立，会员分布在140多个国家和地区，是全球具有重要影响的世界性民间商业组织，它是联合国的一个高级咨询机构，设立的目的是在经济和法律领域里，以有效的行动促进国际贸易和投资的发展。
③中国于1994年11月获得国际商会成员国地位。
④《INCOTERMS 1990/2000在世界上已得到广泛的承认，广泛运用于国际贸易合同及L/C 中。
四、FOB 贸易术语1、定义：FOB是FREE ON BOARD三个单词第一个字母的大写，中文意思为装运港船上交货，指定具体装运港名。
2、适用运输方式：海运和内河运输。
3、关键点：风险划分点，交货点，费用划分点均在装运港买方指定的轮船舷（实际操作中为装到船舱内）。
保险险别
保险险别accessory risks of cargo transportation 运输货物附加险accident insurance 意外事故保险additional risk 附加险advance loss profits (ALOP) 预期利润损失险，利损险aflatoxin risk 黄曲霉素险air cargo insurance 空运货物保险air transportation all risk 航空运输综合险air transportation cargo insurance 航空运输货物保险air transportation cargo insurance 空运货物保险air transportation cargo war risk 航空货物运输战争险air transportation insurance 航空运输保险air transportation risk 航空运输险air transportation war risk 航空运输战争险aircraft insurance 飞机保险all risk 一切险（综合险）all risk insurance 全保险annuities insurance 年金保险automobile insurance 汽车保险baggage insurance 行李保险basic risks 综合险bid bond insurance 投标保证保险blanket bond 总括保证保险bond insurance 保证保险breakage of packing risk 包装破裂险burglary insurance 盗窃保险business interruption insurance (BI) 营业中断险car damage insurance 车体保险cargo insurance 货运保险，货物保险cargo marine insurance 货物海上保险，海运货物保险，海洋货运保险cargo transportation insurance 货物运输保险cargo(extended cover)clauses 货物（扩展）条款casualty 意外伤害险casualty insurance 伤亡事故保险catastrophe risk 巨灾风险children group insurance 儿童集体保险civil servant insurance 公务员保险collision insurance 碰撞保险combination automobile insurance 汽车综合保险commercial blanket bond insurance 商业总括保证保险comprehensive insurance 综合保险construction all risks（CAR）建筑工程一切险（建工险）contractors all risks insurance 建筑工程一切险court bonds insurance 法庭保证保险credit insurance 信用保险crop insurance 农作物保险customhouse bonds insurance 关税保证保险damage caused by sweating and/or heating 受潮受热险dependents of government employeeinsurance公务员家属保险deposit insurance 存款保险deterioration risk 腐烂变质险disability insurance 残疾保险domestic cargo transportation insurance 国内货物运输保险earthquake insurance 地震保险electronic equipment insurance（EEI）电子设备险elevator liability insurance 电梯责任保险employer's liability insurance 雇主责任保险endowment assurance 生死两全保险endowment insurance 养老保险engineering insurance 工程保险enterprise property insurance 企业财产保险erection all risks (EAR) 安装工程一切险（安工险）excess of loss ratio reinsurance 超率赔款再保险excess of loss reinsurance 超额赔款再保险explosion insurance 爆炸保险extraneous risks 附加险facultative reinsurance 临时再保险(可选择的保险，非强制性的)failure to deliver risk 交货不到险FCSR & CC free of capture, seizure, riotsand civil commotions掳获,捕捉,暴动和内乱不赔险fidelity bond 忠诚保证保险fiduciary bond 受托人保证保险financial reinsurance 财务再保险finite risk reinsurance 有限风险再保险fire insurance 火灾保险fire risk extension clause-for storage of cargo at destination Hongkong, includingKowloon, or Macao 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款first loss insurance 第一损失保险flood insurance 洪水保险forest fire insurance 森林火灾保险free from/of particular average (FPA，F.P.A.)平安险government employee insurance 公务员保险group life accident insurance 团体人身意外伤害保险group life insurance 团体人寿险、团体人身保险hail insurance 冰雹保险hook damage risk 钩损险hull insurance 船舶保险hypothecation insurance 抵押保险import duty risk 进口关税险inherent vice risk 内在缺陷险inland marine insurance 内陆运送保险institute war risk 学会战争险insurance against additional risks 附加险insurance against additional risks 附加险insurance against air risk 航空运输保险insurance against all risks 保一切险，综合险insurance against breakage 保渗漏险insurance against extraneous risks 附加险insurance against rain or fresh water 保淡水雨淋险罢工、暴动、民变险insurance against strike，riot and civilcommotion (SRCC)insurance against total loss only (TLO) 全损险insurance against war risk 战争险insurance during a period of illness 疾病保险insurance for medical care 医疗保险insurance free of (from) particular平安险（单独海损不赔）average(FPA)insurance of contents 家庭财产保险insurance of deck cargo 甲板货保险insurance on last survivor 长寿保险insurance with particular average (WPA) 一切险intermixture and contamination risk 混杂、沾污险investment insurance(political risks) 投资保险（政治风险）joint life insurance 联合人寿保险labour insurance 劳工保险land transit insurance 陆上运输保险leasehold interest insurance 租借权益保险life accident insurance 人身意外伤害保险life insurance 人寿保险、人身保险livestock insurance 家畜保险loss(damage) caused by breakage of包装破裂险packingloss and/or damage caused by breakage of包装破裂险packingmachinery (breakdown) insurance 机器（损坏）险，机损险marine cargo insurance 海运货物保险marine cargo total loss only 货物全损险marine insurance 海运货物保险motor insurance 汽车保险ocean marine cargo insurance 海洋运输货物保险ocean marine cargo strike risks 海洋货物运输罢工险ocean marine cargo war risks 海上货物运输战争险ocean overland transportation cargo risks 海陆混合风险officer & director liability 雇主保险on deck risk 舱面险overland transportation all risks 陆运综合险overland Transportation Insurance War陆上运输战争险Riskoverland transportation risks 陆运险parcel post all risks 邮包一切险（综合险）parcel post insurance 邮包运输保险parcel post risk 邮包险parcel post war risk 邮包战争险People's Insurance Company of China中国人民保险公司(PICC)personal belongings insurance 个人财产保险personal insurance 人身保险Personal Pension Annuities 退休年金保险personal property insurance 个人财产保险PICC Re 中保再product liability insurance 产品责任保险product quality bond insurance 产品质量保证保险profit loss insurance 利润损失险property damage liability insurance 财产毁损责任保险property insurance 财产保险property insurance for enterprises 企业财产保险property insurance for home 家庭财产保险protection and indemnity insurance 保障与赔偿责任保险public liability insurance 公众责任保险rain fresh water damage risk（F.W.R.D.）淡水雨淋险rejection risk 拒收险residence insurance 住宅保险retirement income insurance 退休所得保险risk of bad odour(change of flavour) 恶味险，变味险risk of breakage 破碎险risk of clashing 碰损险risk of clashing & breakage 碰损破碎险risk of clashing 碰损险risk of contamination 沾污险risk of contamination (tainting) 污染险risk of contamination with other cargo 染污险risk of contingent import duty 进口关税险risk of deterioration 变质险risk of error 过失险risk of fresh and/of rain water淡水雨淋险damage(wetting)risk of hook damage 钩损险risk of import duty 进口关税险risk of inherent vice 内在缺陷险risk of labels being washed off 标签破损险risk of leakage 渗漏险risk of loss 损失险risk of mould 发霉险risk of natural loss or normal loss 途耗或自然损耗险risk of non-delivery 提货不着险risk of normal loss (natural loss) 途耗或自然损耗险risk of odour 串味险risk of oil damage 油渍险risk of packing breakage 包装破裂险risk of rain and/or fresh water damage 淡水雨淋险risk of rust 生锈险risk of rusting 锈损险risk of shortage 短量险risk of shortage in quantity 短量险risk of shortage in weight 短重险risk of spontaneous combustion 自燃险risk of sweating and/or heating 受潮受热险risk of theft, pilferage and nondelivery盗窃提货不着险(TPND)rust risk 锈损险sickness insurance 疾病保险simple life insurance 简易人身保险single interest insurance 单方利益保险social insurance 社会保险special additional risk 特别(特殊)附加险strike insurance 罢工保险strike, riots and civil commotion (S.R.C.C.) 罢工、暴动、民变险strikes risk 罢工险students group insurance 学生集体保险survey at jetty risk 码头检验险survey in customs risk 海关检验险sweat and heating risk 受潮受热险taint of odour Risk 串味险theft insurance 盗窃保险theft, pilferage and non-delivery (PTND，偷窃、提货不着险P.T.N.D.)third party liability (TPL) 第三者责任险third party liability insurance 第三者意外责任保险third person injured liability insurance 第三者受伤责任保险tontine insurance 联合养老保险total loss only (T.L.O.) 全损险transportation insurance 运输保险travel accident insurance 旅行平安保险Uunemployment insurance失业保险Wwar insurance 战争保险war risk 战争险whole life insurance 终身人寿保险\终身寿险wholesale insurance 批发保险wind-storm insurance 风灾保险with particular average（WPA/ W.P.A.）水渍险，基本险，单独海损赔偿Workers Compensation and EmployerLiability Insurance。
简述我国海上货物运输保险中的基本险别
简述我国海上货物运输保险中的基本险别
我国海上货物运输保险中的基本险别包括：
1. 海损险（Marine Cargo Insurance）： 主要投保货物在海上运输过程中的损失，由货物滞期运费、海损、沉船、火灾等原因而造成的货物损失均可投保。
2. 杂费险（Additional Premium Insurance）：主要投保货物在抵达目的港的码头工作、装卸等所发生的杂费。
3. 延期险（Delay Insurance）： 主要投保货物延迟到达或者延迟发货所发生的延误费用。
4. 缺陷及短少险（Defect and Shortage Insurance）： 主要投保货物因装运上的缺陷或者短少，或者货物损坏或者拆装所导致短少而发生的损失。
5. 海灾险（Marine Catastrophe Insurance）： 主要投保货物在海上运输过程中受到暴风、海啸、飓风、泥石流等不可抗拒的自然灾害的损失。
海洋货物运输的保险种类
海洋货物运输的保险种类海洋货物运输保险是指在海洋运输过程中，对货物损失或损坏所产生的风险进行保险保障的一种保险形式。
由于海洋运输的复杂性和不确定性，货物在运输过程中面临各种潜在的风险，如海难、碰撞、火灾、渗漏、偷盗等，因此保险对于海洋货物运输具有重要的意义。
下面是与海洋货物运输保险相关的保险种类。
1.一切险(All Risks)：一切险是海洋货物运输保险中最广泛的一种形式。
该保险形式一般覆盖从货物装运到到达目的地期间所发生的一切意外损失，包括海洋灾害、运输工具事故、盗窃等。
一切险是一种相对综合的保障，但也常常存在某些特定的例外，如战争、罢工、核灾等。
2.水渍险(Water Damage)：水渍险主要针对因水渍导致的货物损失进行保险保障。
水渍险在遇到货物受潮、污染、腐蚀等情况时，可以对损失进行赔偿。
该保险种类相对其他保险形式来说比较狭窄，但在海洋运输中水渍问题是一个比较常见的风险。
3.碰损险(Collision)：碰损险是指保险人对货物因运输工具与其他物体发生碰撞导致的损失进行赔偿。
在海洋运输中，货船之间、货物与码头设施碰撞的情况时有发生，碰损险的投保可以为货主提供相应的保险保障。
4.火灾险(Fire)：火灾险是指保险人对货物因火灾导致的损失进行赔偿。
在海洋运输中，由于船舶设备、货物自然特性等原因，火灾风险一直存在。
火灾险可以为货物火灾损失提供赔偿。
5.盗窃险(Theft)：盗窃险是指保险人对货物因盗窃行为导致的损失进行赔偿。
在海洋运输中，货物的盗窃问题是一个常见的风险，特别是在经过海盗频发地区时更为突出。
盗窃险可以为货物的盗窃损失提供一定的保险保障。
除了以上常见的保险种类，还有一些特殊的海洋货物运输保险形式，如霉烂险、自燃险、破碎险等。
这些保险种类针对特定货物运输过程中可能会面临的风险进行针对性的保险保障。
货主在选择保险种类时需要根据自身的运输需求和风险情况进行综合考虑，并与保险公司进行充分沟通，确保获得合适的保险保障。
海上货物保险险别英语
海上货物保险险别I.Basic risks：基本险1.FPA Free from Particular Average 平安险2.WPA(WA) With （Particular）Average 水渍险3.AR(A.R.) All Risks 一切险I.Extraneous/Additional risks include: 附加险1.General additional risks 一般附加险(1)TPND theft, pilferage and non-delivery 偷窃及提货不着险(2)FWRD fresh water and/or rain damage 淡水雨淋险(3)risk of shortage 短量险(4)risk of intermixture and contaminations 混杂、玷污险(5)risk of leakage 渗漏险(6)risk of clash and breakage 碰损、破碎险(7)damage caused by sweating and heating 受潮受热险(8)breakage of packing 包装破裂险(9)risk /taint of odo(u)r 串味险(10)risk of rust 锈损险(11)hook damage 钩损险2.Special additional risks 特殊附加险(1)SRCC strike, riots and civil commotions 罢工、暴动、民变险(2)war risk 战争险(3)additional expense –war risk 战争险的附加费用险(4)rejection risk 拒收险(5)failure to delivery 交货不到险(6)import duty risk 进口关税险(7)on deck risk 舱面险(8)aflatoxin risk 黄曲霉素险(9)Fire risk extension clauses for storage of cargo at destination HK, includingKowloon or Macao. 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款。
海运保险险别
海运保险险别
序号
类别
小类名称
备注说明
1
主要险
平安险（freefromparticularaverage，简称f.p.a.）
根据国际保险界对单独海损的解释，它是指部分损失。因此，平安险的原来保障范围只赔全部损失。但在长期实践的过程中对平安险的责任范围进行了补么和修订，当前平安险的责任范围已经超出只赔全损的限制。
4
附加险
一般附加险
附加险，不能独立承保，它必须附属于主要险面下。也就是说，只有在投保了主要险别以后，投保人才允许投保附加险。投保“一切险” 后，上述险别均包括在内。
5但不属于一切险的范围之内。它往往跟政治、国家行政管理规章所引起的风险相关连。
6
信用险
综合保险
2
主要险
水渍险（with particular average，简称w.p.a.）
水渍险的责任范围除了包括上列“平安险”的各项责任外，还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水等自然灾害所造成的部分损失。
3
主要险
一切险（all risks）
一切险的责任范围除包括上列“平安险”和“水渍险”的所有责任外，还包括货物在运输过程中，因各种外来原因所造成被保险货物的损失，不论全部损失或部分损失，除对某些运输途耗的货物，经保险公司与被保险人双约定在保险单上载明的免赔率外，保险公司都给予赔偿。
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海上货物保险险别
I.Basic risks：基本险
1.FPA Free from Particular Average 平安险
2.WPA(WA) With （Particular）Average 水渍险
3.AR(A.R.) All Risks 一切险
I.Extraneous/Additional risks include: 附加险
1.General additional risks 一般附加险
(1)TPND theft, pilferage and non-delivery 偷窃及提货不着险
(2)FWRD fresh water and/or rain damage 淡水雨淋险
(3)risk of shortage 短量险
(4)risk of intermixture and contaminations 混杂、玷污险
(5)risk of leakage 渗漏险
(6)risk of clash and breakage 碰损、破碎险
(7)damage caused by sweating and heating 受潮受热险
(8)breakage of packing 包装破裂险
(9)risk /taint of odo(u)r 串味险
(10)risk of rust 锈损险
(11)hook damage 钩损险
2.Special additional risks 特殊附加险
(1)SRCC strike, riots and civil commotions 罢工、暴动、民变险
(2)war risk 战争险
(3)additional expense –war risk 战争险的附加费用险
(4)rejection risk 拒收险
(5)failure to delivery 交货不到险
(6)import duty risk 进口关税险
(7)on deck risk 舱面险
(8)aflatoxin risk 黄曲霉素险
(9)Fire risk extension clauses for storage of cargo at destination HK, including
Kowloon or Macao. 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款。
Remarks:
1.All risks include general additional risks (11 types). 一切险包含11种一般附加
险。
2.Ways of covering insurance: choosing one of basic risks, then covering some
necessary additional risks according to your goods.
投保方法：先选一种基本险，然后根据货物加保必要的附加险。