Слова и выражения

Sum insured страховая сумма Insured value застрахованная стоимость груза

Cargo insurance страхование Means of transport перевозочное

грузов средство

Pursuant to на основании Way bill накладная

Whom it may concern кого это

Может касаться At and from в и от

The insured страхователь Sailing date дата выхода в рей

Valued at стоимость в Survey осмотр

Extract from the transport insurance rules of ingosstrakh

1. General stipulations

1. Upravlenie Inostrannogo Strakhovanija R. F. (Ingosstrakh) accepts in accordance with these Rules for insurance cargoes and also anticipated profit and commission, freight and expenses connected with the carriage of cargo.

EXTENT OF LIABILITY

2. Under insurance contracts concluded in accordance with these Rules are indemnified losses arising from fortuitous accidents and perils of the carriage.

The insurance contract may be concluded on the basis of one of the following conditions:

A. "All risks".

Under an insurance contract concluded on this condition are indemnified irrespective of percentage:

a) losses due to damage to or total loss of the whole or part of the cargo arising from all perils except those specified in the items "a" - "i" of the § 6 of the Rules;

b) losses, expenses and contributions allowed in general average;

c) any necessary and properly incurred expenses for the salvage of the cargo and also for minimizing the loss and ascertaining its extent, if the loss is indemnified in accordance with insurance conditions.

B. "With particular average".

Under an insurance contract concluded on this condition are indemnified:

a) losses due to damage to or total loss of the whole or part of the cargo caused by fire, lighting, storm, whirlwind and other elemental disasters, stranding or collision of vessels, aircraft and other means of transport with each other or by contact with any fixed or floating objects, grounding, collapsing of bridges, explosion, damage to the vessel by ice, wetting by sea or river water and also owing to measures taken for salvage and extinction of fire;

b) losses in consequence of the vessel or aircraft being missing;

c) losses due to damage to or total loss of the whole or part of the cargo in consequence of accidents in loading, stowage and discharge of the cargo and in taking in fuel by the vessel;

d) losses, expenses and contributions allowed in general average;

e) any necessary and properly incurred expenses for the salvage of the cargo and also for minimizing the loss and ascertaining its extent, if the loss is indemnified in accordance with insurance conditions.

Remark. In the case of carriage of cargoes by sea, losses due to damage are not indemnified if they are under 3% (three per cent) of the insured amount of the whole cargo under one Bill of Lading, and when the cargo is in lighters, barges and other delivering vessels - of the insured amount of the cargo in each vessel. This limitation is not applied in case of general average or when the loss is due to stranding or collision of the vessel with another vessel or with any fixed or floating objects (including ice), grounding, fire or explosion on shipboard.

C. "Free from particular average".

Under the insurance contract concluded on this condition are indemnified:

a) losses due to total loss of the whole or part of the cargo caused by fire, lighting, storm, whirlwind and other elemental disasters, stranding or collision of vessels, aircraft and other means of transport with each other or by contact with any fixed or floating objects, grounding, collapsing of bridges, explosion, damage to the vessel by ice. wetting by sea or river water and also owing to measures taken for salvage and extinction of fire;

b) losses in consequence of the vessel or aircraft being missing;

c) losses due to total loss of the whole or part of the cargo in consequence of accidents in loading, stowage and discharge of the cargo and it taking in fuel by the vessel;

d) losses to damage to the cargo caused by stranding or collision of vessels, aircraft and other means of transport with each other or with any fixed or floating objects (including ice), grounding, fire or explosion on shipboard, aircraft or other means of transport;

e) losses, expenses and contributions allowed in general average;

f) any necessary and properly incurred expenses for the salvage of the cargo and also for minimizing the loss and ascertaining its extent if the loss is indemnified in accordance with insurance conditions.

3. The liability under the insurance contract begins from the time when the cargo is taken from the warehouse at the place of shipment for transport and continues during the whole transport (including reloadings and transshipments as well storage in warehouses at the places of reloadings and transshipments) until the cargo is delivered into warehouse of the Consignee or into another warehouse at the place of destination named in the policy, but not exceeding 60 days after discharge of the cargo from the oversea vessel at the final port of discharge.

4. During the delivery of the cargo in lighters, barges and other delivering vessels Ingosstrakh bears liability only if the use of such vessels is common according to local conditions.

5. Losses due to death or mortality of animals and fowls or accidents to them, due to leakage and strewing of cargo, breakage of glass, porcelain, pottery, ceramics, marble and articles made thereof, bricks of every kind, millstones, grindstones, and lithographic stones, graphite crucibles, electrodes and other objects liable to breakage under insurance on the conditions specified in the items 2 and 3 of the § 2 of the Rules are indemnified only when such losses have arisen in consequence of the wreck of the vessel or any other means of transport.

6. Losses arising in consequence of the following are not to be indemnified:

a) warlike operations or warlike measures of any nature and consequences thereof damage or destruction by mines, torpedoes, bombs and other engines of war, actions of pirates and also in consequence of civil war, people's commotions and strikes, confiscation, requisition, arrest or destruction of cargoes by order of military or civil authorities;

b) direct or indirect effect of atomic explosion: radiation and radioactive contamination arising from any use of the atomic energy and utilization of fissile materials;

c) malice or gross negligence of the insured or beneficiary or their representatives and also consequence of infringement by any one of them of the prescribed rules of carriage, sending and storage of cargoes;

d) effect of temperature, о the air in the hold or of specific properties of the cargo including drying up;

e) improper packing or corking of cargoes and the shipping of cargoes in damaged condition;

f) fire or explosion in consequence of the loading with the knowledge of the insured or of the beneficiary or of their representatives, but without Ingosstrakh's knowledge, of substances and objects dangerous in respect of explosion or spontaneous combustion;

g) shortage of cargo while the outer packing is intact;

h) damage to cargo by worms, rodents and insects;

i) delay in the delivery of cargoes and falls in prices, neither are indemnified any other indirect losses of the insured except cases when, in accordance with the insurance conditions, such losses are subject to indemnification in general average.

Under the insurance contracts concluded on the conditions specified in items В and С of § 2 of the Rules, are not to be indemnified also losses arising from: j) flood and earthquake:

k) sweating of the hold and wetting of cargoes by atmospheric precipitations;

1) depreciation of the cargo in consequence of contamination or damage to packing remains intact;

m) jettison and washing overboard of the deck cargo or of cargo carried by deckles vessels;

n) theft or non-delivery of cargo.

7. By agreement between the parties the insurance conditions stated in § 2 of the Rules may be modified, amplified or replaced by other conditions generally used in insurance practice.

In particular, Ingosstrakh's liability for losses enumerated in item "a" of § 6 of the Rules, liability during the storage of the cargo in warehouses at the place of shipment awaiting loading and in the place of destination after discharge may be included; the terms of liability as provided in § 3 of the Rules may also be altered.

When insuring under conditions stated in items 2 and 3 of § 2 of the Rules the liability of Ingosstrakh for losses arising from causes enumerated in items "j", "к", "1", "m", "n" of §6 of the Rules may be included and the liability for losses specified in § 5 of the Rules may be extended.