摘要： The subject matter of this insurance is the vessel, including its hull, lifeboats, machinery, equipment, instruments, tackles, bunkers and stores. 本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。 This in
The subject matter of this insurance is the vessel, including its hull, lifeboats, machinery, equipment, instruments, tackles, bunkers and stores.
本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。
This insurance is classified into Total Loss Cover and All Risks Cover.
本保险分为全损险和一切险。
Ⅰ. Scope of Cover责任范围
1. Total Loss Cover全损险
This insurance covers total loss of the insured vessel caused by:
本保险承保由于下列原因所造成的被保险船舶的全损：
(1) earthquake, volcanic eruption, lightning or other natural calamities;
地震、火山爆发、闪电或其他自然灾害；
(2) grounding, collision, contact with any object, fixed, floating or otherwise, or other perils of the seas;
搁浅、碰撞、触碰任何固定或浮动物体或其他物体或其他海上灾害；
(3) fire or explosions;火灾或爆炸；
(4) violent theft by persons from outside the vessel or piracy;
来自船外的暴力盗窃或海盗行为；
(5) jettison;抛弃货物；
(6) breakdown of or accident to nuclear installations or reactors;
核装置或核反应堆发生的故障或意外事故；
(7) this insurance also covers total loss of the insured vessel caused by:
本保险还承保由于下列原因所造成的被保险船舶的全损：
1) accidents in loading, discharging or shifting cargo or fuel;
装卸或移动货物或燃料时发生的意外事故；
2) any latent defect in a machinery or hull of the vessel;
船舶机件或船壳的潜在缺陷；
3) wrongful acts willfully committed by the master or crew to the prejudice of the Insured's interest;船长、船员有意损害被保险人利益的行为；
4) negligence of the Master, crew or pilots, repairers or charterers;
船长、船员和引水员、修船人员及租船人的疏忽行为；
5) acts of any governmental authority to prevent or minimize a pollution hazard resulting from damage to the vessel caused by risks insured against; Provided such loss has not resulted from want of due diligence by the Insured, Owners or Managers.
任何政府当局，为防止或减轻因承保风险造成被保险船舶损坏引起的污染，所采取的行动。但此种损失原因应不是由于被保险人、船东或管理人未克尽职责所致的。
2. All Risks Cover一切险
This insurance covers total loss of or partial loss of or damage to the insured vessel arising from the causes under the Total Loss Cover and also covers the undermentioned liability or expense:
本保险承保上述原因所造成被保险船舶的全损和部分损失以及下列责任和费用：
(1) Collision Liabilities.碰撞责任
1) This insurance covers legal liabilities of the Insured as a consequence of the insured vessel coming into collision or contact with any other vessel, or any object, fixed, floating or otherwise.
本保险负责因被保险船舶与其他船舶碰撞或触碰任何固定的、浮动的物体或其他物体而引起被保险人应负的法律赔偿责任。
However this clause does not cover any liabilities in respect of:但本条对下列责任概不负责：
a. loss of life, personal injury or illness;人身伤亡或疾病；
b. cargo or other property on, or engagements of, the insured vessel;
被保险船舶所载的货物或财物或其所承诺的责任；
c. removal or disposal of obstructions, wrecks, cargoes or any other thing whatsoever;
.清除障碍物、残骸、货物或任何其他物品；
d. pollution or contamination of any property or thing whatsoever (including cost of preventive measures and clean-up operations) except pollution or contamination of the other vessel with which the insured vessel is in collision or property on such other vessel;
任何财产或物体的污染或沾污(包括预防措施或清除的费用)，但与被保险船舶发生碰撞的他船或其所载财产的污染或沾污不在此限；
e. indirect expenses arising from delay to or loss of use of any object, fixed, floating or otherwise.任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用。
2) Where the insured vessel is in collision with another vessel and both vessels are to blame, then unless the liability of one or both vessels becomes limited by law, the indemnity under this clause shall be calculated on the principle of cross-liabilities. This principle also applies when the insured vessel comes into contact with an object.
当被保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。当被保险船舶碰撞物体时，亦适用此原则。
3) The Insurer's liability (including legal costs) under this clause shall be in addition to his liability under the other provisions of this insurance, but shall not exceed the insured amount of the vessel hereby insured in respect of each separate occurrence.
本条项下保险人的责任(包括法律费用)是本保险其他条款项下责任的增加部分，但对每次碰撞所负的责任不得超过船舶的保险金额。
(2) General Average and Salvage共同海损和救助
1) This insurance covers the insured vessel's proportion of general average, salvage or salvage charges, but in case of general average sacrifice of the vessel, the Insured may recover fully for such loss without first obtaining contributions from other parties.
保险负责赔偿被保险船舶的共同海损、救助、救助费用的分摊部分。被保险船舶若发生共同海损牺牲，被保险人可获得对这种损失的全部赔偿，而无须先行使向其他各方索取分摊额的权利。
2) General average shall be adjusted in accordance with the relative contract and/or governing law and practice. However, where the contract of affreightment or carriage does not so provide, the adjustment shall be according to the Beijing Adjustment Rules or similar provisions of other rules.
共同海损的理算应按有关合同规定或适用的法律或惯例理算，如运输合同无此规定，应按《北京理算规则》或其他类似规则规定办理。
3) Where all the contributing interests are owned by the Insured, or when the insured vessel sails in ballast and there are no other contributing interests, the provisions of the Beijing Adjustment Rules (excluding Article 5), or similar provisions of other rules if expressly agreed, shall apply as if the interests were owned by different persons. The voyage for this purpose shall be deemed to continue from the port or place of departure until the arrival of the vessel at the first port or place of call thereafter other than a port or place of refuge or a port or place of call for bunkering only. If at any such intermediate port or place there is an abandonment of the adventure originally contemplated the voyage shall thereupon be deemed to be terminated.
当所有分摊方均为被保险人或当被保险船舶空载航行并无其他分摊利益方时，共损理算应按《北京理算规则》(第5条除外)或明文同意的类似规则办理，如同各分摊方不属同一人一样。该航程应自起运港或起运地至保险船舶抵达除避难港或加油港外的第一个港口为止，若在上述中途港放弃原定航次，则该航次即行终止。
(3) Sue and Labour施 救
1) Where there is loss or damage to the vessel from a peril insured against or where the vessel is in immediate danger from such a peril, and as a result reasonable expenditure is incurred by the Insured in order to avert or minimize a loss which would be recoverable under this insurance, the Insurer will be liable for the expenses so incurred by the Insured. This clause shall not apply to general average, salvage or salvage charges or to expenditure otherwise provided for in this insurance.
由于承保风险造成船舶损失或船舶处于危险之中，被保险人为防止或减少根据本保险可以得到赔偿的损失而付出的合理费用，保险人应予以赔付。本条不适用于共同海损、救助或救助费用，也不适用于本保险中另有规定的开支。
2) The Insurer's liability under this clause is in addition to his liability under the other provisions of this insurance, but shall not exceed an amount equal to the sum insured in respect of the vessel.本条项下保险人的赔偿责任是在本保险其他条款的赔偿责任以外，但不得超过船舶的保险金额。
Ⅱ. Exclusions除外责任
This insurance does not cover loss, damage, liability or expense caused by:
本保险不负责下列原因所致的损失、责任或费用：
1. unseaworthiness including not being properly mannered, equipped or loaded, provided that the Insured knew, or should have known, of such unseaworthiness when the vessel was sent to sea.
不适航，包括人员配备不当、装备或装载不妥，但以被保险人在船舶开航时，知道或应该知道此种不适航为限；
2. negligence or intentional act of the Insured and his representative.
被保险人及其代表的疏忽或故意行为；
3. ordinary wear and tear, corrosion, rottenness or insufficient upkeep, or defect in material which the Insured should have discovered with due diligence, or replacement of or repair to any part in unsound condition as mentioned above.
被保险人克尽职责应予发现的正常磨损、锈蚀、腐烂或保养不周，或材料缺陷包括不良状态部件的更换或修理；
4. risks covered and excluded in the Hull War and Strikes Clauses of this Company.
本公司战争和罢工险条款承保和除外的责任范围。
Ⅲ. Deductible免赔额
1. Partial loss caused by a peril insured against be payable subject to the deductible stipulated in the policy for each separate accident or occurrence (excluding claims under collision liability, salvage and general average, and sue and labour).
承保风险所致的部分损失赔偿，每次事故要扣除保险单规定的免赔额（不包括碰撞责任、救助、共损、施救的索赔）。
2. Claims for damage by heavy weather occurring during a single sea passage between two successive ports shall be treated as being due to one accident.This clause shall not apply to a claim for total loss of the vessel, and the reasonable expense of sighting the bottom after grounding, if incurred specially for that purpose.
恶劣气候造成两个连续港口之间单独航程的损失索赔应视为一次意外事故。
本条不适用于船舶的全损索赔以及船舶搁浅后专为检验船底引起的合理费用。
Ⅳ. Shipping海 运
Unless previously approved by the Insurer and any amended terms of cover and additional premium required have been agreed, this insurance does not cover loss, damage, liability and expense caused under the following circumstances:
除非事先征得保险人的同意并接受修改后的承保条件和所需加付的保费，否则，本保险对下列情况所造成的损失和责任均不负责：
1. towage or salvage service undertaken by the insured vessel;
被保险船舶从事拖带或救助服务；
2. cargo loading or discharging operation at sea from or into another vessel (not being a harbour inshore craft) including whilst approaching, lying alongside and leaving;
被保险船舶与他船（非港口或沿海使用的小船）在海上直接装卸货物，包括驶近、靠拢和离开；
3. the insured vessel sailing with an intention of being broken up or sold for breaking up.
被保险船舶为拆船或为拆船出售的目的的航行。
Ⅴ. Period of Insurance保险期限
This insurance is classified into Time Insurance and Voyage Insurance.
本保险分定期保险和航次保险：
1. Time Insurance: The longest duration is one year, the time of commencement and termination being subject to the stipulation in the policy. Should the insured vessel at the expiration of this insurance be at sea or in distress or at a port of refuge or of call, she shall provided previous notice be given to the Insurer, be held covered to her port of destination with the payment of an additional pro rata daily premium. However, in case of a total loss of the vessel during such period of extension, an additional six months premium shall be paid to the Insurer.
定期保险：期限最长一年。起止时间以保险单上注明的日期为准。保险到期时，如被保险船舶尚在航行中或处于危险中或在避难港或中途港停靠，经被保险人事先通知保险人并按日比例加付保险费后，本保险继续负责到船舶抵达目的港为止。保险船舶在延长时间内发生全损，需加交六个月保险费。
2. Voyage Insurance: to be subject to the voyage stipulated in the policy. The time of commencement and termination to be dealt with according to the following provisions:
航次保险：按保单订明的航次为准。起止时间按下列规定办理：
(1) With no cargo on board: to commence from the time of unmooring or weighing anchor at the port of sailing until the completion of casting anchor or mooring at the port of destination.
不载货船舶：自起运港解缆或起锚时开始至目的港抛锚或系缆完毕时终止。
(2) With cargo on board: to commence from the time of loading at the port of sailing until the completion of discharge at the port of destination, but in no case shall a period of thirty days be exceeded counting from midnight of the day of arrival of the vessel at the port of destination.
.载货船舶：自起运港装货时开始到目的港卸货完毕时终止。但自船舶抵达目的港当日午夜零点起最多不得超过三十天。
Ⅵ. Termination保险终止
1. This insurance shall terminate automatically in the event of payment for total loss of the insured vessel.
一旦被保险船舶按全损赔付后，本保险应自动终止。
2. Unless previously agreed by the Insured in writing, this insurance shall terminate automatically at the time of any change of the Classification Society of the insured vessel, change of, cancellation or withdrawal of her class therein, change in the ownership or flag, assignment or transfer to new management, charter on a bareboat basis, requisition for title or use of the vessel, provided that, if the vessel has cargo on board or is at sea, such termination shall, if required, be deferred until arrival at her next port or final port of discharge or destination.
当船舶的船级社变更、或船舶等级变动、注销或撤回、或船舶所有权或船旗改变、或转让给新的管理部门、或光船出租或被征购或被征用，除非事先书面征得保险人的同意，本保险应自动终止。但船舶有货载或正在海上时，经要求，可延迟到船舶抵达下一个港口或最后卸货港或目的港。
3. In case of any breach of warranty as to cargo, voyage, trading limit, towage, salvage services or date of sailing, this insurance shall terminate automatically unless notice be given to the Insurer immediately after receipt of advice and any additional premium required be agreed.
当货物、航程、航行区域、拖带、救助工作或开航日期方面有违背保险单条款规定时，被保险人在接到消息后，应立即通知保险人并同意接受修改后的承保条件及所需加付的保险费，本保险仍继续有效，否则，本保险应自动终止。
Ⅶ. Premium and Returns保费和退费
1. Time Insurance: Full premium shall be due and payable on attachment, and if agreed by the Insurer payment may be made by installments, but in the event of total loss of the insured vessel, any unpaid premium shall be immediately due and payable. Premium is returnable as follows:
定期保险：全部保费应在承保时付清。如保险人同意，保费也可分期交付，但被保险船舶在承保期限内发生全损时，未交付的保费要立即付清。
本保险在下列情况下可以办理退费：
(1) If this insurance is cancelled or terminated, premium shall be returned pro rata daily net for the uncommenced days, but this clause shall not be applicable to clause VI 3.
被保险船舶退保或保险终止时，保险费应自保险终止时，可按净保费的日比例计算退还给被保险人。但本款不适用第六条（三）款。
(2) where the insured vessel is laid up in a port or a lay-up area approved by the Insurer for a period exceeding thirty consecutive days irrespective of whether she is under repairs in dock or shipyard, loading or discharging, 50% (fifty percent) of net premium for such period shall be returned pro rata daily, but in no case shall such return of premium be recoverable in the event of total loss of the vessel.
In the event of any return recoverable under this clause being based on thirty consecutive days which fall on successive insurance effected for the same Insured, such return of premium shall be calculated pro rata separately for the number of days covered by each insurance.
被保险船舶无论是否在船厂修理或装卸货物，在保险人同意的港口或区域内停泊超过三十天时，停泊期间的保费按净保费的日比例的50%计算，但本款不适用船舶发生全损。如果本款超过三十天的停泊期分属两张同一保险人的连续保单，停泊退费应按两张保单所承保的天数分别计算。
2. Voyage Insurance: 航次保险：
In no case shall voyage insurance be cancelable and the premium thereof be returnable once it commences.
自保险责任开始一律不办理退保和退费。
Ⅷ. Duty of Insured被保险人义务
1. Immediately upon receipt of advice of any accident or loss to the insured vessel, it is the duty of the Insured to give notice to the Insurer within 48 hours, and if the vessel is abroad, to the Insurer's nearest agent immediately, and to take all reasonable measures for the purpose of averting or minimizing a loss which would be recoverable under this insurance.
被保险人一经获悉被保险船舶发生事故或遭受损失，应在四十八小时内通知保险人，如船在国外，还应立即通知距离最近的保险代理人，并采取一切合理措施避免或减少本保险承保的损失。
2. Measures taken by the Insured or the Insurer with the object of averting or minimizing a loss which would be recoverable under this insurance shall not be considered as waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
被保险人或保险人为避免或减少本保险承保的损失而采取措施，不应视为对委付的放弃或接受、或对双方任何其他权利的损害。
3. The Insured shall obtain prior agreement of the Insurer in determining the liabilities and expenses in respect of the insured vessel.
被保险人与有关方面确定被保险船舶应负的责任和费用时，应事先征得本公司的同意。
4. In submitting a claim for loss, the Insured shall transfer to the Insurer all necessary documents and assist him in pursuing recovery against the third party in case of third party liabilities or expenses being involved.
被保险人要求赔偿损失时，如涉及第三者责任或费用，被保险人应将必要的证件移交给保险人，并协助保险人向第三方追偿。
Ⅸ. Tender招标
1. Where the insured vessel is damaged and repairs are required, the Insured shall take such tenders as a diligent uninsured owner would take to obtain the most favourable offer for the repairs of the damaged vessel.
当被保险船舶受损并要进行修理时，被保险人要像一个精打细算未投保的船东，对受损船的修理进行招标以接受最有利的报价。
2. The Insurer may also take tenders or may require further tenders to be taken for the repair of the vessel. Where such a tender is accepted with the approval of the Insurer and allowance in respect of fuel and stores and wages and maintenance of the master and crew shall be made for the time lost between the despatch of the invitations to tender required by the Insurer and the acceptance of a tender, but the maximum allowance shall not exceed the rate of 30% per annum on the insured value of the vessel.
保险人也可对船舶的修理进行招标或要求再次招标，此类投标经保险人同意而被接受时，保险人补偿被保险人按保险人要求而发出招标通知日起至接受投标时止所支付的燃料、物料及船长、船员的工资和给养。但此种赔偿不得超过船舶当年保险价值的30%。
3. The Insured may decide the place of repair of the damaged vessel, however, if the Insured in taking such decisions does not act as a diligent uninsured owner, then the Insurer shall have a right of veto concerning the place of repair or a repairing firm decided by the owner or deduct any increased costs resulting therefrom from the indemnity.
被保险人可以决定受损船舶的修理地点，如被保险人未象一个精打细算未投保的船东那样行事，保险人有权对船东决定的修理地点或修理厂商行使否决权或从赔款中扣除由此而增加的任何费用。
Ⅹ. Claim and Indemnity索赔和赔偿
1. In case of accident or loss insured against, no claim shall be recoverable should the Insured fail to submit claim document to the Insurer within two years following the accident or loss.
被保险事故或损失发生后，被保险人在两年内未向保险人提供有关索赔单证时，本保险不予赔偿。
2. Total Loss全损
(1) Where the insured vessels is completely destroyed or so seriously damaged as to cease to be a thing of the kind insured or where the Insured is inevitably deprived of the vessel, it may be deemed an actual total loss, and the full insured amount shall be indemnified.
被保险船舶发生完全毁损或者严重损坏不能恢复原状，或者被保险人不可避免地丧失该船舶，作为实际全损，按保险金额赔偿。
(2) Where no news is received of the whereabouts of the insured vessel over a period of two months after the date on which she is expected to arrive at the port of destination, it shall be deemed an actual total loss and the full insured amount shall be indemnified.
被保险船舶在预计到达目的港日期，超过两个月尚未得到它的行踪消息视为实际全损，按保险金额赔偿。
(3) Where an actual total loss of the insured vessel appears to be unavoidable or the cost of recovery, repair and/or salvage or the aggregate thereof will exceed the insured value of the vessel, it may be deemed a constructive total loss and the full insured amount shall be indemnified after notice of abandonment of the vessel is given to the Insurer irrespective of whether the Insurer accepts the abandonment. Once the Insurer accepts the abandonment, the subject matter insured belongs to the Insurer.
当被保险船舶实际全损似已不能避免，或者恢复、修理、救助的费用或者这些费用的总和超过保险价值时，在向保险人发出委付通知后，可视为推定全损，不论保险人是否接受委付，按保险金额赔偿。如保险人接受了委付，本保险标的属保险人所有。
3. Partial Loss部分损失
(1) Claims under this insurance shall be payable without deduction, new for old.
.对本保险项下海损的索赔，以新换旧均不扣减。
(2) In no case shall a claim be admitted in respect of scraping, derusting or painting of the vessel's bottom unless directly related to repairs of plating damaged by an insured peril.
保险人对船底的除锈、或喷漆的索赔不予负责，除非与海损修理直接有关。
(3) Where repairs for owner's account necessary to make the vessel seaworthy and/or a routine drydocking are carried out concurrently with repairs covered by this insurance, then the cost of entering and leaving dock and the dock dues for the time spent in dock shall be divided equally.
Where it is necessary to place the vessel in drydock for repair of the damage covered by this insurance, the Insurer's liability for the cost of docking shall not be reduced, should the Insured have surveys or other work carried out while the vessel is in dock provided the time for the work for the Insured's account is not prolonged in dock or the cost of docking is not in any way increased.
船东为使船舶适航做必要的修理或通常进入干船坞时，被保险船舶也需就所承保的损坏进坞修理，进出船坞和船坞的使用时间费用应平均分摊。
如船舶仅为本保险所承保的损坏必须进坞修理时，被保险人于船舶在坞期间进行检验或其他修理工作，只要被保险人的修理工作不曾延长被保险船舶在坞时间或增加任何其他船坞的使用费用，保险人不得扣减其应支付的船坞使用费用。
4. In no case shall any sum be allowed under this insurance either by way of remuneration of the Insured for time and trouble taken to obtain and supply information or documents or in respect of the commission or charges of any manager, agent, managing or agency company or the like, appointed by or on behalf of the Insured to perform such services, unless prior agreement has been obtained.
被保险人为获取和提供资料和文件所花费的时间和劳务，以及被保险人委派或以其名义行事的任何经理、代理人、管理或代理公司等的佣金或费用，本保险均不给予补偿，除非经保险人同意。
5. Where the insured amount is less than the agreed value or the contributory value in respect of general average or salvage, then the Insurer is only liable to pay that proportion of any loss or expense covered by this insurance that the amount insured bears to the agreed or contributory value.
凡保险金额低于约定价值或低于共同海损或救助费用的分摊金额时，保险人对本保险承保损失和费用的赔偿，按保险金额在约定价值或分摊金额所占的比例计算。
6. Where the insured vessel comes into collision with or receives salvage services from another vessel owned by the Insured or under the same management, the Insurer shall be liable under this insurance as if the other vessel were owned by a third party.
被保险船舶与同一船东所有，或由同一管理机构经营的船舶之间发生碰撞或接受救助，应视为第三方船舶一样，本保险予以负责。
Ⅺ. Treatment of Disputes争议的处理
Should disputes arise between the Insured and Insurer and it is necessary to submit to arbitration or take legal action, such arbitration or legal action shall be carried out at the place where the defendant is domiciled.
被保险人与保险人之间所发生的一切争议，需要仲裁或诉讼时，仲裁或诉讼的地点在被告方所在地。
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