OVERLAND TRANSPORTATION CARGO INSURANCE CLAUSES

恒邦财产保险股份有限公司

陆上运输冷藏货物保险(火车、汽车)条款

一、责任范围

x保险负责赔偿：

(一)被保险货物在运输途中由于下列原因造成的全部或部分损失： 1.暴风、雷电、地震、洪水；

2.陆上运输工具遭受碰撞、倾覆或出轨；

3.在驳运过程中驳运工具的搁浅、触礁、沉没、碰撞；

4.隧道坍塌、崖崩、失火、爆炸。

(二)被保险货物在运输途中由于冷藏机器或隔温设备的损坏或者车厢内贮存冰决的溶化所造成的解冻溶化而腐败的损失。

(三)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。

二、除外责任

x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)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或没有在车厢内贮存足够的冰块所致的货物腐败。

(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。

(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。 (六)本公司陆上运输货物战争险条款和货物运输罢工险条款所规定的责任范围和除外责任。三、责任起迄

x保险责任自被保险货物运离保险单所载起运地点的冷藏仓库装入运送工具开始运输时生效，包括正常陆运和与其有关的水上驳运在内，直至该项货物到达保险单所载明的目的地收货人仓库时继续有效，但最长保险责任以被保险货物到达目的地车站后十天为限。

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。

(一)当被保险货物运抵保险单所载目的地以后，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体短少或有明显残损痕迹应即向承运人、受托人或有关当局索取货损货差证明。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。如未履行上述规定义务，保险人对有关损失不负赔偿责任。

(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。

对由于被保险人未履行上述义务造成的扩大的损失，保险人不负赔偿责任。 (三)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的往来函电及被保险人所能提供的其他与确认保险事故的性质、原因、损失程度等有关的证明和资料。

被保险人未履行前款约定的单证提供义务，导致保险人无法核实损失情况的，保险人对无法核实的部分不承担赔偿责任。

五、赔款的处理

(一)本保险对同一标记和同一价值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。

(二)保险人收到被保险人的赔偿请求后，应当及时就是否属于保险责任作出核定，并将核定结果通知被保险人。情形复杂的，保险人在收到被保险人的赔偿请求并提供理赔所需资料后三十日内未能核定保险责任的，保险人与被保险人根据实际情形商议合理期间，保险人在商定的期间内作出核定结果并通知被保险人。对属于保险责任的，在与被保险人达成有关赔偿金额的协议后十日内，履行赔偿义务。

OVERLAND TRANSPORTATION CARGO INSURANCE CLAUSES

（FROZEN PRODUCTS BY TRAIN AND VEHICLE）

Ⅰ. Scope of Cover

This insurance covers:■

1. Total or partial loss of or damage to the insured goods caused in the course of transit by:■

（1） Windstorm, lightning, earthquake, flood;■

（2） Collapse of tunnel, landslide, fire or explosion;■

（3） Collision, overturning or derailment of the conveyance on land;■

（4） Grounding, stranding, sinking or collision of lighter or lighters in course of lighterage.

2. Deterioration of the insured goods due to defrosting caused by breakdown of the refrigerating machinery or insulation or melting of ice in the wagon or wagons in the course of transit.■

3. 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.■

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 consignor.■

3. Deterioration of the insured goods caused by failure, in any stage of transit, to stow or store the said goods in wagon or wagons or in warehouse provided with refrigerating installation, or in insulated space in auxiliary conveyance or by insufficiency of ice in the carrying wagon or wagons.■

4. 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.■

5. Loss or damage arising from normal loss, inherent vice and nature of the insured goods, loss of market and/or delay in transit and expenses arising therefrom.■

6. Risks and liabilities covered by the Overland Transportation War Risks Clauses and Strikes, Riot and Civil Commotion Clauses of this Company.■

Ⅲ. Commencement and Termination of Company.

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 transit in lighter until the goods are delivered to the consignee's warehorse at the destination named in the Policy, but the longest duration of this insurance at destination shall in no case exceed ten （10） days after arrival of the goods at the station there.■

Ⅳ. Duty of the Insured

It is the duty of the Insured to attend to all matters as specified hereunder, failing which the Company has the right to reject his claim for any loss or damage if and when such failure prejudices the interest of the Company.■

1. The Insured shall take delivery of the insured goods in good time upon arrival at the place of destination named in the Policy. In case of discovery of deterioration or loss of or damage to any part of the insured goods, immediate notice should be given to the surveying and claims 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 Certificate of loss or damage and/or shortlanded memo. Should the carrier, bailee or 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. Any failure by the Insured to fulfill the duty will result in the Insurer’s rejection of the claim.

2. The Insured shall take reasonable measures immediately in salvaging the insured goods or preventing or minimizing a loss or damage thereto, when they sustain loss or damage covered under this insurance. 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. The Insurer will not pay for any aggravated loss due to the Insured’s failure to fulfill the duty.

3. The Insured shall submit the following documents when presenting a claim under this insurance: Original Policy, Waybill, Invoice, Packing List, Weight Memo, Certificate of Loss or Damage and/or Shortlanded Memo, Survey Report and Statement of Claim.

If third party liability is involved, letters and cables relative to recovery from the responsible party and other relative documents shall also be submitted. If the Insurer could not verify the loss due to the Insured’s failure to fulfill its duty to supply the documentary evidences, the Insurer will not pay for the portion of the unverifiable loss.

Ⅴ. Treatment of Claim

1. 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 marks and are of the same value or bear different marks but are of the same value.■

2. The time of validity of a claim under this insurance shall not exceed a period of two years counting from the time of the loss occurred.