乐爱金（备案）〔2009〕N30 号

乐爱金财产保险（中国）有限公司

协会散装油类保险条款（1/2/83）

乐爱金（备案）〔2009〕N30 号

风险条款

1．本保险承保，除下列第 4、5、6 和 7 规定者外的，

1．1 保险标的损失或沾污，若可合理归因于

1．1．1 火灾或爆炸

1．1．2 船舶或驳船搁浅、擦浅、沉没或倾覆

1．1．3 陆上运输工具翻到或出轨

1．1．4 船舶、驳船或运输工具与水以外的任何外部物体碰撞或接触

1．1．5 在避难港卸货

1．1．6 地震、火山爆发或闪电

1．2 由下列原因引起的保险标的的损失或沾污

1．2．1 共同海损牺牲

1．2．2 抛货

1．2．3 装货、转运或卸货过程中从连接管道的渗漏

1．2．4 船长、高级船员或普通船员在抽吸、压载水或燃油方面的疏忽

1．3 由天气影响造成的保险标的的沾污共同海损条款

2．本保险承保根据运输合同、准据法和惯例理算或确定的共同海损和救助费用，其产生是为了避免任何原因造成的损失或与避免任何原因造成的损失有关，但此种原因不是本保险第 4、5、6、7 条或其他条文除外的危险。

双方互有过失碰撞条款

3．本保险扩展赔偿被保险人诸如下文可补偿的损失方面根据运输合同中的“双方有责碰撞”条款的比例责任部分。在船东根据条款提出索赔的情况下，被保险人同意通知保险人，保险人有权自负费用为被保险人对此种索赔提出答辩。

除外责任

4．本保险决不承保

4．1 可归咎于被保险人的蓄意恶行的损失、损害或费用

4．2 保险标的的通常渗漏、通常重量或体积损失、或通常磨损

4．3 保险标的的固有缺陷或性质引起的损失、损害或费用

4．4 延迟直接造成的损失、损害或费用，即使该延迟是由承保风险引起的（但根据上述第 2 条支付的费用除外）

4．5 因船舶的所有人、经理人、承租人或经营人的破产或经济困境产生的损失、损害或费用。

4．6 因使用原子或核裂变和/或聚变或其他类似反应或放射性力量或物质所制造的战争武器产生的损失、损害或费用。

不适航和不适货除外条款 5

5．1 本保险决不承保损失、损害或费用，如其起因于

5．1．1 船舶或驳船不适航

5．1．2 船舶、驳船、运输工具、集装箱或托盘对保险标的的安全运输不适合,如果在保险标的的载于其上时，被保险人或其雇员对此种不适航或不适货有私谋。

5．2 保险人放弃载运保险标的到目的地的船舶不得违反默示适航或适货保证，除非被保险人或其雇员对此种不适航或不适货有私谋。

战争除外条款

6．本保险决不承保损失、损害或费用，如其起因于

6．1 战争、内战、革命、造反、叛乱，或由此引起的内乱，或任何交战方之站的敌对行为。

6．2 捕获、扣押、扣留、拘禁或羁押（海盗除外）和此种行为引起的后果或进行此种行为的企图

6．3 被遗弃的水雷、鱼雷、炸弹或其他被遗弃的战争武器罢工除外条款

7．本保险决不承保下列损失、损害或费用

7．1 由罢工工人、被迫停工工人或参加工潮、暴动或民变的人员造成者

7．2 罢工、停工、工潮、暴动或民变造成者

7．3 恐怖分子或出于政治动机而行为的人员造成者运送条款

8

8．1 本保险责任始于保险标的在载明的地点为装船而离开油罐开始运送之时，在通常运送过程中连续，并终止于

8．1．1 保险标的进入油罐卸到所列明的目的地的储存处所或屯船，或

8．1．2 船舶抵达载明的目的地后满 30 天，以先发生者为准

8．2 如果在最后卸货港或地点从海船卸入驳船后，但在根据上述本条第 1 款本保险终止之前，保险标的或其部分转运到非本保险承保的目的地，此种货物的保险截止于向此种其他目的地开始运送之时，除非受到被保险人的迅速通知后，保险人另行同意继续承保。

8．3 以迅速通知保险人并支付保险人要求的附加保险费为条件，在被保险人不能控制的延迟、任何绕航、强制卸货、重装或转载期间，以及船东或承租人行使根据运输合同赋予的自由权产生的任何航海上的变更期间，本保险继续有效（但须受上述规定的终止和下述第 9 条规定的制约）。

运输合同终止条款

9．如果由于被保险人不能控制的情况，运输合同在载明的目的地以外的港口或地点终止，或运送在如同上述第 8 条规定的交付货物前另行终止，那么保险也终止，但若迅速通知了保险人并在本保险有效时提出继续承保的要求，以受保险人要求的附加保险费的制约为前提，本保险继续有效，

9．1 直至货物在此种港口或地点出售并交付，或者，除非另有特别约定，直至被保险货物到达此种港口或地点满 30 天，二者以先发生者为准，或者

9．2 如果货物在上述 30 天（或任何约定的延展期间）内被运往载明的目的地或其他目的地，直至根据上述第 8 条的规定而终止。

航程改变条款

10. 如果本保险责任开始后，被保险人改变目的地，就按有待重新商定的保险费和条件续保，但以迅速通知了保险人为前提。

索赔

保险利益条款 11

11．1 为了根据本保险取得赔偿，被保险人在损失发生时对保险标的须具有保险利益。

11．2 除上述第 1 款另有规定外，被保险人有权取得本保险人承保期间发生的承保损失的赔偿，尽管该损失产生在本保险合同订立之前，除非当时被保险人知道该损失而保险人不知道。

续运费用条款

12．由于本保险承保的风险作用的结果，承保的运送在保险标的根据本保险承保的目的地以外的港口或地点终止，保险人补偿被保险人卸下、储存和发运保险标的至所承保的目的地而适当和合理遭受的额外费用。

不适用于共同海损和救助费用的本条规定，须受上述第 4、5、6 和 7 条包含除外责任的制约，并且不包括由被保险人或其雇员的过错、疏忽、破产或经济因境而引起的费用。

推定全损条款

13．推定全损索赔不能得到索赔，除非由于实际全损看来不可避免，或因为恢复、重装和发运保险标的到承保的目的地的费用会超过其抵达时的价值，保险标的被合理放弃。

增加价值条款

14

14．1 如果对被保险货物由被保险人办理了增加价值保险，货物的保险价值就应视为增加至承保的本保险和所有增加价值保险的保险金额的总和，本保险的责任按照本保险的保险金额占此种保险金额的总和的比例计算。

索赔时被保险人须向保险人提供所有其他保险的保险金额的证据。

14．2 如果本保险是增加价值保险，应适用下述条款：

货物的保险价值应视为等于由被保险人对货物办理的承保损失的原始保险和所有增加价值保险的保险金额的总和，本保险的责任按本保险的保险金额占此种保险金额的总和的比例计算。

索赔时被保险人须向保险人提供所有其他保险的保险金额的证据。

理算条款

15．根据本保险可获保赔偿的渗漏或短卸索赔，按下述规定理算：

15．1 赔偿额为，将离开油罐装船的总的油的容积与运送结束时卸到油罐中的总的油的容积相比较，所损失的油的容积那部分保险价值确定赔偿额。

本款中的“总容积”是指不扣除沉积物和水份以及游离水份的总容积，除非被保险人能证明，由于本保险承保的风险作用的结果，在所保运送过程中，水份已异常增加。

15．2 在根据上述第 1 款计算时，应进行调整，以尽量减少温度变化引起的容积变化和在确定重量时由于使用不一致的程度引起的重量的明显变化。

15．3 如果本保险规定渗漏或短卸索赔须超过一定的额度，该额度应包括重量或容积的通常损失，但不包括温度或扣除水份引起的损失。如果没有此种规定，根据上述两款可得到的赔偿额须受前述第 4 条第 2 款除外的通常损失的限制。

不适用条款

16．本保险不使承运人或其他保管人受益。尽量减少损失

被保险人的义务条款

17． 对可取得赔偿的损失，被保险人及其雇员和代理人有义务

17．1 采取为避免或尽量减少此种损失可能是合理的措施，并

17．2 保险对承运人、保管人或其他第三方追偿的所有权被适当保护和行使

而保险人负责在取得可赔偿的损失之外补偿被保险人履行这些义务而适当和合理招致的任何费用。

18． 被保险人或保险人采取的旨在拯救、保护或恢复保险标的的措施不得视为放弃或接受委付或在其他方面损害任何一方的权利。

避免延迟

合理速办条款

19．本保险的条件之一是被保险人在所有其力所能及的情况下合理迅速的行动。英国法律和惯例条款

20．本保险受英国法律和惯例调整注意事项

被保险人在知悉根据本保险“暂予保险”的事件发生时有必要向保险人发出迅速的通知，此种承保的权利取决于履行这项义务。

INSTITUTE BULK OIL CLAUSES

RISKS COVERED

[Risks Clause]

1 This insurance covers, except as provided in Clauses 4, 5, 6 and 7 below.

1.1 loss of or contamination to the subject-matter insured reasonably attributable to

1.1.1 fire or explosion

1.1.2 vessel or craft being stranded grounded sunk or capsized

1.1.3 vehicle overland turn over or derailment

1.1.4 collision or contact of vessel or craft with any external object other than water

1.1.5 discharge of cargo at a port of distress

1.1.6 earthquake volcanic eruption or lightning,

1.2 loss of or contamination to the subject-matter insured caused by

1.2.1 general average sacrifice

1.2.2 jettison

1.2.3 leakage from connection pipelines in loading transhipment or discharge

1.2.4 negligence of Master Officers or Crew in pumping cargo ballast or fuel,

1.3 contamination of the subject-matter insured resulting from stress of weather. [General Average Clause]

2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 or elsewhere in this insurance

["Both to Blame Collision" Clause]

3 This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment “Both to Blame Collision” Clause as is in respect of a loss recoverable hereunder. In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim.

EXCLUSIONS

[General Exclusions Clause]

4 In no case shall this insurance cover

4.1 loss damage or expense attributable to wilful misconduct of the Assured

4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured

4.3 loss damage or expense caused by inherent vice or nature of the subject-matter insured

4.4 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)

4.5 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel

4.6 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter,

[Unseaworthiness and Unfitness Exclusion Clause] 5

5.1 In no case shall this insurance cover loss damage or expense arising from :

5.1.1 unseaworthiness of vessel or craft,unfitness of vessel

5.1.2 craft or conveyance for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.

5.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.

[War Exclusion Clause]

6 In no case shall this insurance cover loss damage or expense caused by

6.1 war civil war revolution rebellion insurrection, or civil strife xxxxxxx xxxxxxxxx, or any hostile act by or against a belligerent power

6.2 capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat

6.3 derelict mines torpedoes bombs or other derelict weapons of war. [Strikes Excision Clause]

7 In no case shall this insurance cover loss damage or expense

7.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions

7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions

7.3 caused by any terrorist or any person acting from a political motive.

DURATION

[Transit Clause] 8

8.1 This insurance attaches from the time the goods leaves tanks for the purpose of loading at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either

8.1.1 as the subject-matter insured enters tanks on discharge to place of storage or to storage vessel at the destination named herein,

8.1.2 on the expiry of 30 days after the date of arrival of the vessel at the destination named herein,whichever shall first occur.

8.2 If, after discharge from the oversea vessel into craft at the final port or place of discharge, but prior to the termination of this insurance under 8.1 above, the subject-matter insured or any part thereof is to be forwarded to a destination other than that to which it is insured hereunder, the insurance on the subject-matter insured or such part thereof shall not extend beyond the commencement of transit to such other destination, unless otherwise agreed by the Underwriters upon receipt of prompt notice from the Assured.

8.3 Subject to prompt notice being given to the Underwriters and to an additional premium if required by them, this insurance shall remain in force (until terminated under

8.1 or 8.2 above and subject to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any other variation of the adventure provided such other variation is beyond the control of the Assured.

[Termination of Contract of Carriage Clause]

9 If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated otherwise provided in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters, either

9.1 until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 30 days after arrival of the goods hereby insured at such port or place, whichever shall first occur,

or

9.2 if the goods are forwarded within the said period of 30 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above.

[Change of Voyage Clause]

10 Where, after attachment of this insurance, the destination is changed by the Assured, held coved at a premium and on conditions to be arranged subject to prompt notice being given to Underwriters.

CLAIMS

[Insurable Interest Clause] 11

11.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.

11.2 Subject to 11. 1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.

[Forwarding Charges Clause]

12 Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter to the destination to which it is insured hereunder.

This Clause 12, which does not apply to general average or salvage charges, shall subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants.

[Constructive Total Loss Clause]

13 No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.

[Increased Value Clause] 14

14.1If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.

In the event of claim the Assured shall provide the Underwriters with evidence of

the amounts insured under all other insurances.

14.2 Where this insurance is on Increased Value the following clause shall apply:

The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.

In the event or claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.

15 Claims for leakage and shortage recoverable under this insurance are to be adjusted as follows;

15.1 The amount recoverable shall be the proportionate insured value of the volume of oil lost, to be ascertained by a comparison of the gross volume certified as having left tanks for loading on to the vessel with the gross volume certified as having been delivered to tanks at the termination of the transit, except that where the contract of sale is based on weight and not on volume the amount recoverable may be calculated on a weight basis from such certified quantities.

The term “gross volume” in this Clause 15.1 means total volume without deduction of sediment and water content and free water, except to the extent that the amount of water can be shown by the Assured to have increased abnormally during the insured transit as a result of the operation of a risk covered by this insurance.

15.2 Adjustment shall be made to the calculation under 15.1 above to eliminate any change in volume caused by variation in temperature and any apparent change in quantity arising from the use of inconsistent procedures in determining the certified quantities.

15.3 Where this insurance provides for an excess to be applied to claims for leakage or shortage, such excess shall be deemed to include ordinary loss in weight or volume except when caused by variation in temperature or settling out of water. Where there is no such provision, the amount recoverable in accordance with Clauses 15.1 and

15.2 shall be subject to reduction for any ordinary loss excluded by Clause 4.2 above.

BENEFIT OF INSURANCE

[Not to Inure Clause]

16 This insurance shall not inure to the benefit of the carrier or other bailee.

MINIMISING LOSSES

[Duty of Assured Clause]

17 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder

17.1 to take such measures as may be reasonable for the purpose of averting or minimising

such loss, and

17.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of those duties.

[Waiver Clause]

18 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.

AVOIDANCE OF DELAY

[Reasonable Despatch Clause]

19 It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.

LAW AND PRACTICE

[English Law and Practice Clause]

20 This insurance is subject to English law and practice.

NOTE:- It is necessary for the Assured when they become aware of an event which is "held covered" under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.