海运具体保险条款分析

　　1.INSURANCE POLICIES/CERTIFICATE IN TWO FOLD PAYABLE TO THE ORDER OF COMMERCIAL BANK OF LONDON LTD COVERING MARINE INSTITUTE CARGO CLAUSES A，INSTITUTE STRIKE CLAUSES CARGO，INSTITUTE WAR CLAUSES CARGO FOR INVOICE VALUE PLUS 10% INCLUDING WAREHOUSE TO WAREHOUSE UP TO THE FINAL DESTINATION AT SWEDEN，MARKED PREMIUM PAID，SHOWING CLAIMS IF ANY，PAYABLE IN GERMANY，NAMING SETTLING AGENT IN GERMANY.根据上述规定，制作保单时应做到：两份正本、被保险人填写为“受益人+HELD TO THE ORDER OF COMMERCIAL BANK OF LONDON LTD”，险别为协会货物A险、罢工险和战争险，保险金额为发票金额加成10%，含到目的地瑞士的仓至仓条款，标明保费已付，索赔地点在德国，列明设在德国的赔付代理人。

　　2.INSURANCE PLOICIES/CERTIFICATE IN TRIPLICATE ENDORSED IN BLANK FOR 110% OF INVOICE VALUE COVERING ALL RISKS AND WAR RISKS AS PER CIC WITH CLAIMS PAYABLE AT SINGAPORE IN THE CURRENCY OF DRAFT(IRRESPECTIVE OF PERCENTAGE)，INCLUDING 60 DAYS AFTER DISCHARGES OF THE GOODS AT PORT OF DESTINATION(OF AT STATION OF DESTINATION)SUBJECT TO CIC.其意思是：保单或保险凭证三份，做成空白背书，按发票金额的110%投保中国保险条款的一切险和战争险，按汇票所使用的货币在新加坡赔付(无免赔率)，并以中国保险条款为准确定承保期限在目的港卸船(或在目的地车站卸车)后60天为止。

　　3.INSURANCE COVERED BY THE APPLICANT.ALL SHIPMENT UNDER THIS CREDIT MUST BE ADVISED BY THE BENEFICIARY AFTER SHIPMENT DIRECTLY TO PRAGATI INSURANCE LTD JUBILEE ROAD BRANCH，CHITTAGONG，BANGLADESH AND APPLICANT ALSO TO US QUOTING OUR CREDIT NO.AND MARINE COVER NOTE NO.PIL/JBL/0102005 DATED AUG 01 2005 GIVING FULL DETAILS OF SHIPMENT AND COPY OF SUCH ADVICE MUST ACCOMPANY SHIPPING DOCUMENTS.该L/C对保险单的要求是：申请人买保险。货装船后，受益人应发装船通知给PRAGATI保险公司(地址是孟加拉吉大港Jubilee支路)、申请人和开证行。通知上标明信用证号码、2005年8月1日签发的暂保单的号码PIL/JBL/0102005和详细的装船信息，

　　装船通知副本要随整套单据一并交银行。