OCEAN MARINE INSURANCE CLAUSES（FROZEN PRODUCTS）BY PICC 中国人民保险公司 Peoples Insurance Company of China 一、责任范围Ⅰ. Scope of Cover 本保险分为冷藏险和冷藏一切险二种。被保险货物遭受损失时，本保险按照保险单上订明承保险别的条款规定，负OCEAN MARINE INSURANCE CLAUSES（FROZEN PRODUCTS）BY PICC
中国人民保险公司 People's Insurance Company of China
一、责任范围Ⅰ. Scope of Cover
本保险分为冷藏险和冷藏一切险二种。被保险货物遭受损失时，本保险按照保险单上订明承保险别的条款规定，负赔偿责任。?
This insurance is classified into Risks for Frozen Products and All Risks for Frozen Products and shall be liable for loss of or damage to the insured goods according to the conditions of the risks covered under the Policy.?
（一）?冷藏险?1. Risks for Frozen Products:?
本保险负责赔偿：?
1.被保险货物在运输途中由于恶劣气候、雷电、海啸、地震、洪水自然灾害或由于运输工具遭受搁浅、触礁、沉没、互撞、与流冰或其他物体碰撞以及失火、爆炸意外事故或由于冷藏机器停止工作连续达二十四小时以上所造成的腐败或损失。?
Deterioration or loss of or damage to the insured goods caused in the course of transit by natural calamities-heavy weather, lightning, tsunami, earthquake, flood or by accidents-grounding, stranding, sinking or collision of the carrying conveyance or contact with floating ice or other substance or fire or explosion or stoppage of refrigerating machinery for more than 24 consecutive hours.?
2.在装卸或转运时由于一件或数件整件货物落海所造成的全部或部分损失。?
Partial or total loss arising from the falling of entire package or packages into sea during loading, unloading or transhipment.?
3.被保险人对遭受承保责任内危险的货物采取抢救、防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为限。?
Reasonable cost incurred by the Insured in salvaging the goods or averting or minimizing a loss recoverable under this insurance, provided that such cost shall not exceed the sum insured of the goods so saved.?
4.运输工具遭遇海难后，在避难港由于卸货所引起的损失以及在中途港、避难港由于卸货、存仓以及运送货物所产生的特别费用。?
Losses attributable to discharge of the insured goods at the 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.?
5.共同海损的牺牲、分摊和救助费用。?
Sacrifice in and contribution to General Average and Salvage Charges.?
6.运输契约订有“船舶互撞责任”条款，根据该条款规定应由货方偿还船方的损失。?
Such proportion of losses sustained by the shipowners as is to be reimbursed by the cargo owners under the Contract of Affreightment “Both to Blame Collision” Clause.?
（二）?冷藏一切险?All Risks for Frozen Products:
除包括上列冷藏险的各项责任外，本保险还负责被保险货物在运输途中由于外来原因所致的腐败或损失。
Aside from the risks covered under the aforesaid Risks for Frozen Products, this insurance also covers deterioration or loss of or damage to the insured goods arising from external causes in the course of transit.?
二、除外责任Ⅱ. Exclusions
本保险对下列损失，不负赔偿责任：This Insurance does not cover:?
（一）?被保险人的故意行为或过失所造成的损失。
Loss or damage caused by the intentional act or fault of the Insured.?
（二）?属于发货人责任所引起的损失。?
Loss or damage falling under the liability of the consignor.?
（三）?被保险货物在运输过程中的任何阶段因未存放在有冷藏设备的仓库或运输工具中，或辅助运输工具没有隔温设备所造成的货物腐败。?
Deterioration of the insured goods caused by the failure in any stage of transit to store or stow the said goods in warehouse or in the carrying conveyance provided with refrigeration installation or in insulated space in conveyance.?
（四）?被保险货物在保险责任开始时因未保持良好状态，包括整理加工和包扎不妥，冷冻上的不合规定及骨头变质所引起的货物腐败和损失。?
Deterioration or loss of or damage to the insured goods arising from failure to keep the goods in good condition, including improper dressing and wrapping and/or packing, failure to comply with the freezing standard and bone taint at the time of commencement of this insurance.
（五）?被保险货物的自然损耗、本质缺陷、特性及市价跌落、运输延迟所引起的损失和费用。?
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 expense arising therefrom.
（六）?本公司海洋运输货物战争险条款和货物运输罢工险条款规定的责任范围和除外责任。?
6. Risks and liabilities covered and excluded by the Ocean Marine Cargo War Risks Clauses and Strikes, Riot and Civil Commotion Clauses of this Company.?
三、责任起讫Commencement and Termination of Cover
（一）?本保险责任自被保险货物运离保险单所载起运点的冷藏仓库装入运送工具开始运输时生效，包括正常运输过程中的海上、陆上、内河和驳船运输在内，直到该项货物到达保险单所载明的最后卸载港三十天内卸离海轮，并将货物存入岸上冷藏库后继续有效。但以货物全部卸离海轮时起算满十天为限。在上述期限内货物一经移出冷藏仓库，则责任即行终止，如卸离海轮后不存入冷藏仓库，则至卸离海轮时终止。?
This Insurance attaches from the time the goods hereby insured leave the cold stores at the place of shipment named in the Policy and are loaded onto the conveyance for the commencement of transit, including sea, land and inland water transit and transit in lighter, until the expiry of ten （10） days upon completion of discharge of the goods the seagoing vessel and delivery thereof to the cold stores at the final port of destination. It is warranted, however, that the discharge, from the seagoing vessel must be completed within thirty （30） days after their arrival at the port of discharge; that liability under this insurance shall cease to attach once the insured goods are moved out of the cold stores within the aforesaid period; and that if the goods are not delivered to the cold stores after discharge from the seagoing vessel the insurance shall terminate immediately upon such discharge.?
（二）?由于被保险人无法控制的运输延迟、绕道、被迫卸货、重行装载、转载或承运人运用运输契约赋予的权限所作的任何航海上的变更或终止运输契约，致使被保险货物运到非保险单所载明目的地时，在被保险人及时将获知的情况通知保险人，并在必要时加缴保险费的情况下，本保险仍继续有效。保险责任按下列规定终止：?
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 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 required, this insurance shall remain in force and shall terminate as hereunder:?
1.在货物到达卸载港三十天内卸离海轮并将货物存入岸上冷藏仓库后继续有效，但以货物全部卸离海轮后时起算满十天终止。在上述期限内，被保险货物如在非保险单所载明目的地出售，保险责任至交货时为止。?
The Insurance shall terminate upon the expiry of the （10） days after completion of discharge from the seagoing vessel at the port of discharge and delivery to the cold stores on shore, it being warranted, however, that the discharge must be completed within thirty （30） days after the ship's arrival. Within the aforesaid period if insured goods are sold at a port or place of destination not named in the policy, then this insurance shall terminate when they are deliveried at such port or place.?
2.被保险货物如在上述十天期限内继续运往保险单所载原目的地或其他目的地时，保险责任仍按上述第（一）款的规定终止。?
If the insured goods are to be forwarded to the final destination named in the Policy or to any other destination within the aforesaid period of ten （10） days, this insurance shall terminate in accordance with Section I above.?
四、被保险人的义务Duty of the Insured
被保险人应按照以下规定的应尽义务办理有关事项，如因未履行规定的应尽义务而影响本公司利益时，本公司对有关损失有权拒绝赔偿。?
It is the duty of the Insured to attend to all matters as specified hereunder, failing which the Company reserve the right to reject his claim for any loss or damage if and when such failure prejudices the interest of the Company.?
（一）?当被保险货物运抵保险单所载目的港以后，被保险人应及时提货。当发现被保险货物任何部分有腐败或损失，应立即向保险单上所载明的检验、理赔代理人申请检验，由其在本保险责任终止前确定腐败件数或损失程度。如发现被保险货物整件短少或有明显残损痕迹应即向承运人、受托人或有关当局（海关、港务当局等）索取货损货差证明。如果货损货差是由于承运人、受托人或其他有关方面的责任所造成，应以书面方式向他们提出索赔，必要时还须取得延长时效的认证。?
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 case of discovery of any deterioration or loss of or damage to any part of the insured goods, immediate notice should be given to the surveying and claim settling agent named in the Policy to conduct survey and ascertain the quantity deteriorated or the extent of damage before termination of this insurance. 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, 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.?
（二）?对遭受承保责任内危险的货物，应迅速采取合理的抢救措施，防止或减少货物的损失。被保险人采取此项措施，不应视为放弃委付的表示，本公司采取此项措施，也不得视为接受委付的表示。?
The Insured shall take reasonable measures immediately in salvaging the insured goods when they sustain damage hereunder and in preventing or minimizing the loss. The measures so taken by the Insured shall not be considered as a waiver of abandonment, nor shall they be considered as an acceptance of abandonment in the event that they are taken by the Company.?
（三）?如遇航程变更或发现保险单所载明的货物、船名或航程有遗漏或错误时，被保险人应在获悉后立即通知保险人并在必要时加缴保险费，本保险才继续有效。?
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 forcce only upon prompt notice to this Company when the Insured becomes aware of the same and payment of an additional premium if required.?
（四）?在向保险人索赔时，必须提供下列单证：?
保险单正本、提单、发票、装箱单、磅码单、货损货差证明、检验报告及索赔清单。如涉及第三者责任，还须提供向责任方追偿的有关函电及其他必要单证或文件。?
he Insured shall submit the following documents when presenting a claim under this insurance: Original Policy, Bill of Lading, Invoice, Packing List, Tally Sheet, Certificate of Loss or Damage and/or Shortlanded Memo, Survey Report and Statement of Claim. f third party liability is involved, letters and cables relative to recovery from the responsible party and other relative documents shall also be submitted.?
（五）?在获悉有关运输契约中“船舶互撞责任”条款的实际责任后，应及时通知保险人。?Immediate notice should be given to the Company when the cargo owner's actual responsibility under the contract of affreightment “Both to Blame Collision” clauses becomes known.?
五、赔款的处理Treatment of Claim
（一）?本保险对同一标记和同一价值的或不同标记但是同一价值的各种包、件、扎、块，除非另有规定，均视作同一重量和同一保险价值计算处理赔偿。?
In settling any claim under this insurance, all packages, pieces or packs shall, unless otherwise stipulated, be considered as of the same weight and insured value, irrespective of whether such packages, pieces or packs bear the same mark and are of the same value or bear different marks but are of the same value.?
（二）?本保险的索赔时效，从被保险货物在最后卸载港全部卸离海轮后起计算，最多不超过二年。?
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.?
附：
国际贸易保险常见险别和条款
1.Risks & Coverage险别
(1)free from particular average 外贸知识 w.cne
A.)平安险
(2)with particular average (W.A.)水渍险（基本险）
(3)all risk 一切险（综合险）
(4)total loss only (T.L.O.) 全损险
(5)war risk 战争险
(6)cargo(extended cover)clauses货物（扩展）条款
(7)additional risk 附加险
(8)from warehouse to warehouse clauses仓至仓条款
(9)theft, pilferage and nondelivery N.D.)盗窃提货不着险
(10)rain fresh water damage 淡水雨淋险
(11)risk of shortage 短量险
(12)risk of contamination 沾污险
(13)risk of leakage 渗漏险
(14)risk of clashing & breakage碰损破碎险
(15)risk of odour 串味险
(16)damage caused by sweating and/or heating 受潮受热险
(17)hook damage 钩损险
(18)loss and/or damage caused by breakage of packing包装破裂险
(19)risk of rusting 锈损险
(20)risk of mould 发霉险
(21)strike, riots and civel commotion (S.R.C.C.) 罢工、暴动、民变险
(22)risk of spontaneous combustion 自燃险
(23)deterioration risk 腐烂变质险
(24)inherent vice risk 内在缺陷险
(25)risk of natural loss or normal loss途耗或自然损耗险
(26)special additional risk 特别附加险
(27)failure to delivery 交货不到险
(28)import duty 进口关税险
(29)on deck 仓面险
(30)rejection 拒收险
(31)aflatoxin 黄曲霉素险
(32)fire risk extension clause-for storage of cargo at destination Hongkong, 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
(33)survey in customs risk 海关检验险
(34)survey at jetty risk 码头检验险
(35)institute war risk 学会战争险
(36)overland transportation risks陆运险
(37)overland transportation all risks陆运综合险
(38)air transportation risk 航空运输险
(39)air transportation all risk 航空运输综合险
(40)air transportation war risk 航空运输战争险
(41)parcel post risk 邮包险
(42)parcel post all risk 邮包综合险
(43)parcel post war risk 邮包战争险
(44)investment insurance(political risks) 投资保险（政治风险）
(45)property insurance 财产保险
(46)erection all risks 安装工程一切险
(47)contractors all risks 建筑工程一切险外贸知识 w.cne
2.the stipulations for insurance 保险条款常用表达
(1)marine insurance policy 海运保险单
(2)specific policy单独保险单
(3)voyage policy 航程保险单
(4)time policy期限保险单
(5)floating policy (or open policy) 流动保险单
(6)ocean marine cargo clauses 海洋运输货物保险条款
(7)ocean marine insurance clauses (frozen products)海洋运输冷藏货物保险条款
(8)ocean marine cargo war clauses 海洋运输货物战争险条款
(9)ocean marine insurance clauses (woodoil in bulk) 海洋运输散装桐油保险条款
(10)overland transportation insurance clauses (train, trucks) 陆上运输货物保险条款（火车、汽车）
(11)overland transportation insurance clauses (frozen products)陆上运输冷藏货物保险条款
(12)air transportation cargo insurance clauses 航空运输货物保险条款
(13)air transportation cargo war risk clauses 航空运输货物战争险条款
(14)parcel post insurance clauses 邮包保险条款
(15)parcel post war risk insurance clauses 邮包战争保险条款
(16)livestock & poultry insurance clauses (by sea, land or air) 活牲畜、家禽的海上、陆上、航空保险条款
(17)…risks clauses of I.C.C. subject to C.I.C.根据中国人民保险公司的保险条款投保……险
(18)marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & W.A. as per people's Insurance Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage)
作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。按照汇票所使用的货币在吉隆坡赔付（无免赔率）
(19)insurance policy or certificate settling agent's name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawn in excess of the credit ualue
保险单或凭证须表明理赔代理人的名称，保险费如增加10-17%可在本证金额以外支付
(20)insurance policy (certificate) … Name of Assured to be showed: A.B.C.Co. Ltd.
保险单或凭证作成以A.B.C.有限公司为被保险人
(21)insurance policy or certificate covering W.A. (or WA.) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of t识 www w.cne
ople's Insurance Company of China dated 1/1/1981
保险单或凭证根据中国人民保险公司1981年1月1日的海洋运输货物保险条款和海洋运输货物战争险条款投保水渍险（或平安险）和战争险
(22)insurance policy/certificate covering all war mines risks
保险单/凭证投保一切险、战争险、地雷险（注：mines解释为地雷，属于战争险的负责范围，可以接受）
(23)W.A. this insurance must be valid for period of 60 days after the discharge of goods
水渍险在货物卸船后60天有效
(24)in triplicate covering all risks and war risks including W.A. and breakage in excess of five per cent on the whole consignment and including W/W up to buyer's storehouse.
投保一切险和战争险包括水渍险，破碎损失有5%绝对免赔率，按全部货物计算，包括仓至仓条款，负责到买方在槟城的仓库为止（的保险单）一式三份
(25)insurance policy issued of endorsed to order … for the face value of invoice plus 10% covering including war with 15 days after arrival of goods at destination, only against N.D.
按发票面值加10%投保战争险，货物到达目的地后15天有效，仅负责平安险和盗窃提货不着险的保险单开给或背书给……
(26)insurance policy or certificate issued by an insurance Co. with A. clause covering the merchandise for about 10% above the full invoice value including unlimited transhipment with claims payable at Singapore
由保险公司签发的保险单或凭证按发票总金额另加10%投保水渍险，包括非限定转船的损失，在新加坡赔付
(27)covering all eventual risks 投保一切以外风险
(28)covering all marine risks 投保一切海运风险
(29)marine insurance policy including "both ot blame" collision clauses and fully covering the shipment
海运保险单包括负责船舶互撞条款和全部货载
(30)insurance … including deviation clauses 保险包括绕道条款
(31)covering overland transportation all risks as per overland transportation cargo insurance clauses (train, trucks) of people's Insurance Company of China dated…
按照中国人民保险公司×年×月×日陆上运输货物保险条款（火车、汽车）投保陆上运输一切险
(32)covering air transportation all risk as per air transportation cargo insurance clauses P.I.C.C.
按照中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切险
(33)insurance policy or certificate covering parcel post all risks including war risks as per parcel post insurance clauses and parcel post war risk insurance clauses of people's Insurance Company of China dated…
保险单或凭证按照中国人民保险公司×年×月×日邮包保险条款和邮包战争险条款投保邮包一切险和邮包战争险
(34)covering all risks including war risks as per ocean marine cargo clauses and air transportation cargo insurance clauses and ocean marine cargo war risk clauses and air transportation cargo war risk clauses of people's Insurance Company of China dated…
按照中国人民保险公司×年×月×日海洋运输货物保险条款和航空运输货物保险条款以及海洋运输货物战争险条款和航空运输货物战争险条款投保海空联运一切险和战争险
(35)covering all risks as per ocean marine cargo clauses and overland transportation cargo insurance clause (train, truck) P.I.C.C. dated…
按照中国人民保险公司×年×月×日海洋运输货物保险条款和陆上运输货物保险条款（火车、汽车）投保海陆联运一切险
(36)covering all risks including war risks as per overland transportation cargo insurance clauses (train,truck) and air transportation cargo insurance clauses and air transportation cargo war risk clause and war clauses (for cargo transportation by rail) of people's Insurance Company of China dated…
按照中国人民保险公司×年×月×日陆运货物保险条款（火车、汽车）和空运货物保险条款以及空运货物战争险条款和铁路货运战争条款投保陆空陆联运一切险和战争险
(37)including shortage in weight in excess of 0.5%(with 0.5% franchise) on the whole consignment
包括短量损失有0.5%绝对免赔率（0.5%相对免赔率），按全部货物计算
(38)including risk of breakage and clashing 包括破裂或凹瘪险
(39)including risk of chipping & denting 包括碎裂或凹弯险
(40)including risk of bad odour 包括恶味险
(41)including damage by hooks, oils, muds and contact with other cargo(insured value)
包括钩损、油污、泥污以及和他物接触所致的损失（以保险价值为限）
(42)including damage caused by rain fresh and/or water, internal combustion(total or partial loss) 包括淡水雨淋，自燃所致的损失（包括全部或部分损失）
(43)including loss and/or damage caused by sea water, fresh-water, acid, grease
包括海水、淡水、酸蚀、油脂所致的损失
(44)including N.D. loss and/or damage caused by heat, ship's sweat and odour, hoop-rust, breakage of packing
包括偷窃提货不着，受热船舱发汗，串味，铁箍锈损，包装破裂所致的损失
(45)including damage caused by infestation mould包括虫蛀霉烂的损失
(46)including damage due to rough handling during transit subject to C.T.C.
按照中国保险条款包括运输途中操作不当所致的损失
(47)including loss and/or damage from any external cause as per CIC
按照中国保险条款包括外来原因所致的损失
(48)including damage by slings, stains, grease, acids包括吊具、斑污、油脂、酸蚀造成的损失
(49)excluding risk of breakage 不包括破碎险
(50)including the breakage does not cover the goods remarked in th invoice as originally damage 包括破碎险，但不负责发票所示之货物的原残损失
(51)excluding natural loss in weight 不包括途耗短量的损失
(52)including 60 days after discharge of the goods at port of destination (or at station of destination) subject to C.T.C.
按照中国保险条款货物在目的港卸船（或在目的地车站卸车）后60天为止
(53)including W.A. & risk of fire for 60 days in customs warehouse after discharge of the goods at port of destination subject to CIC
按照中国保险条款投保水渍险和火险，在目的港卸货后存入海关仓库60天为止
(54)this insurance must be valid for a period of 60 days after arrival of merchandise at inland destination
本保险扩展到货物到达内地的目的地后60天有效
(55)insurance policy or certificate covering A. including the risk of war and risks of S.R.C.C. as per I.C.C. dated…and institute war clauses dated…and institute S.R.C.C. clauses dated…
按照×年×月×日伦敦保险学会条款和×年×月×日学会战争险条款以及×年×月×日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险
(56) people's Insurance Company of China investment insurance (political risks) clauses
中国人民保险公司投资保险（政治风险）条款
(57)property insurance clauses 财产保险条款
(58) people's Insurance Company of China Erection all risks clauses
中国人民保险公司安装工程一切险条款
(59) people's Insurance Company of China contractors all risks clauses
中国人民保险公司建筑工程一切险条款知识
