【正文】
五、索賠期限本保險(xiǎn)索賠時(shí)效,認(rèn)被保險(xiǎn)貨物在最后卸裁港全部卸離海輪后起算,最多不超過(guò)二年。(三)如遇航程變更或發(fā)現(xiàn)保險(xiǎn)單所載明的貨物、船名或航程有遺漏或錯(cuò)誤時(shí),被深險(xiǎn)人應(yīng)在獲悉后立即通知保險(xiǎn)人并在必要時(shí)加繳保險(xiǎn)費(fèi),本保險(xiǎn)才繼續(xù)有效。四、被保險(xiǎn)人的義務(wù)被保險(xiǎn)人應(yīng)按照以下規(guī)定的應(yīng)盡義務(wù)辦理有關(guān)事項(xiàng),如因未履行規(guī)定的義務(wù)而影響保險(xiǎn)人利益時(shí),本公司對(duì)有關(guān)損失,有權(quán)拒絕賠償。如在上述六十天內(nèi)被保險(xiǎn)貨物需轉(zhuǎn)運(yùn)到非保險(xiǎn)單所載 明的目的地時(shí),則以該項(xiàng)貨物開(kāi)始轉(zhuǎn)運(yùn)時(shí)終止。(四)被保險(xiǎn)貨物的自然損耗、本質(zhì)缺陷、特性以及市價(jià)跌落;運(yùn)輸遲延所引起的損失或費(fèi)用。除包括上列平安險(xiǎn)和水漬險(xiǎn)的各項(xiàng)責(zé)任外,本保險(xiǎn)還負(fù)責(zé)被保險(xiǎn)貨物在運(yùn)輸途中由于外來(lái)原因所致的全部或部分損失。運(yùn)輸契約訂有“船舶互撞責(zé)任”條款,根據(jù)該條款規(guī)定應(yīng)由貨方償還船方的損失。在裝卸或轉(zhuǎn)運(yùn)時(shí)由于一件或數(shù)件整件貨物落海造成的全部或部份損失。被保險(xiǎn)貨物用駁船運(yùn)往或運(yùn)離海輪的,每一駁船所裝的貨物可視作一個(gè)整批。被保險(xiǎn)貨物遭受損失時(shí),本保險(xiǎn)按照保險(xiǎn)單上訂明承保險(xiǎn)別的條款規(guī)定,負(fù)賠償責(zé)任。(一)平安險(xiǎn)。推定全損是指被保險(xiǎn)貨物的實(shí)際全損已經(jīng)不可避免,或者恢復(fù)、修復(fù)受損貨物以及運(yùn)送貨物到原訂目的地的費(fèi)用超過(guò)該目的地的貨物價(jià)值。被保險(xiǎn)人對(duì)遭受承保責(zé)任內(nèi)危險(xiǎn)的貨物采取搶救、防止或減少貨損的措施而支付的合理費(fèi)用,但以不超過(guò)該批被救貨物的保險(xiǎn)金額為限。(二)水漬險(xiǎn)。二、除外責(zé)任本保險(xiǎn)對(duì)下列損失不負(fù)賠償責(zé)任:(一)被保險(xiǎn)人的故意行為或過(guò)失所造成的損失。(五)本公司海洋運(yùn)輸貨物戰(zhàn)爭(zhēng)險(xiǎn)條款和貨物運(yùn)輸罷工險(xiǎn)條款規(guī)定的責(zé)任范圍和除外責(zé)任。(二)由于被保險(xiǎn)人無(wú)法控制的運(yùn)輸延遲、繞道、被迫卸貨、重行裝載、轉(zhuǎn)載或承運(yùn)人運(yùn)用運(yùn)輸契約賦予的權(quán)限所作的任何航海上的變更或終止運(yùn)輸契約,致使被保險(xiǎn)貨物運(yùn)到非保險(xiǎn)單所載明目的地時(shí),在被保險(xiǎn)人及時(shí)將獲知的情況通知保險(xiǎn)人,并在必要時(shí)加繳保險(xiǎn)費(fèi)的情況下,本保險(xiǎn)仍繼續(xù)有效,保險(xiǎn)責(zé)任按下列規(guī)定終止。(一)當(dāng)被保險(xiǎn)貨物運(yùn)抵保險(xiǎn)單所載明的目的港(地)以后,被保險(xiǎn)人應(yīng)及時(shí)提貨,當(dāng)發(fā)現(xiàn)被保險(xiǎn)貨物遭受任何損失,應(yīng)即向保險(xiǎn)單上所載明的檢驗(yàn)、理賠代理人申請(qǐng)檢驗(yàn),如發(fā)現(xiàn)被保險(xiǎn)貨物整件短少或有明顯殘損痕跡應(yīng)即向承運(yùn)人、受托人或有關(guān)當(dāng)局(海關(guān)、港務(wù)當(dāng)局等)索取貨損貨差證明。(四)在向保險(xiǎn)人索賠時(shí),必須提供下列單證:保險(xiǎn)單正本、提單、發(fā)票、裝箱單、磅碼單、貨損貨差證明、檢驗(yàn)報(bào)告及索賠清單。附件OCEAN MARINE 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