推荐阅读：一、责任范围 本保险分为平安险、水渍险及一切险三种。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。 （一）平安险。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、洪水自然灾害造成整批货物
一、责任范围
本保险分为平安险、水渍险及一切险三种。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。
（一）平安险。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、洪水自然灾害造成整批货物的全部损失或推定全损。当被保险人要求赔付推定全损时，须将受损货物及其权利委付给保险公司。被保险货物用驳船运往或运离海轮的，每一驳船所装的货物可视作一个整批。推定全损是指被保险货物的实际全损已经不可避免，或者恢复、修复受损货物以及运送货物到原订目的地的费用超过该目的地的货物价值。
2、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、爆炸意外事故造成货物的全部或部份损失。
3、在运输工具已经发生搁浅、触礁、沉没、焚毁意外事故的情况下，货物在此前后又在海上遭受恶劣气候、雷电、海啸等自然灾害所造成的部份损失。
4、在装卸或转运时由于一件或数件整件货物落海造成的全部或部份损失。
5、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。
6、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。
7、共同海损的牺牲、分摊和救助费用。
8、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。
（二）水渍险。除包括上列平安险的各项责任外，本保险还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水自然灾害所造成的部份损失。
（三）一切险。除包括上列平安险和水渍险的各项责任外，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全部或部分损失。
二、除外责任
本保险对下列损失不负赔偿责任：
（一）被保险人的故意行为或过失所造成的损失。
（二）属于发货人责任所引起的损失。
（三）在保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的损失。
（四）被保险货物的自然损耗、本质缺陷、特性以及市价跌落；运输迟延所引起的损失或费用。
（五）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。
三、责任起讫
（一）本保险负“仓至仓”责任，自被保险货物运离保险单所载明的起运地仓库或储存处所开始运输时生效，包括正常运输过程中的海上、陆上、内河和驳船运输在内，直至该项货物到达保险单所载明目的地收货人的最后仓库或储存处所或被保险人用作分配、分派或非正常运输的其他储存处所为止。如末抵达上述仓库或储存处所，则以被保险货物在最后卸载港全部卸离海轮后满六十天为止。如在上述六十天内被保险货物需转运到非保险单所载
明的目的地时，则以该项货物开始转运时终止。
（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。
1、被保险货物如在非保险单所载明的目的地出售，保险责任至交货时为止，但不论任何情况下，均以被保险货物在卸载港全部卸离海轮后满六十天为止。
2、被保险货物如在上述六十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。
四、被保险人的义务
被保险人应按照以下规定的应尽义务办理有关事项，如因未履行规定的义务而影响保险人利益时，本公司对有关损失，有权拒绝赔偿。
（一）当被保险货物运抵保险单所载明的目的港（地）以后，被保险人应及时提货，当发现被保险货物遭受任何损失，应即向保险单上所载明的检验、理赔代理人申请检验，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，并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。
（二）对遭受承保责任内危险的货物，被保险人和本公司都可迅速采取合理的抢救措施，防止或威少货物的损失，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。
（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，被深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。
（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。
（五）在获悉有关运输契约中“船舶互携责任”条款的实际责任后，应及时通知保险人。
五、索赔期限
本保险索赔时效，认被保险货物在最后卸裁港全部卸离海轮后起算，最多不超过二年。
附件
oceanmarine
cargo
clauses
（i）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.
（ii）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.
（iii）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.
