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1 电子教材
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2 视频学习
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3 知识点测验
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4 拓展学习
principles of marine cargo insurance
Cargo insurance（货物保险） is one of the most important parts in international trade. To meet the requirement（需求） of marine cargo transportation, various kinds of marine risks can be covered(承保) under different marine cargo insurance contracts.
The marine cargo insurance is based on the principles（原则） of insurable interest（保险利益）, utmostgood faith（真诚、善意）, proximate（贴近的） cause and indemnity.No contract of marine cargo insurance is valid unless the assured has an insurable interest in the subject matter insured(保险标的) at the time of loss.(从防范道德风险的角度来设计)
The contract of marine cargo insurance is a contract of indemnity（赔偿）, that is, to compensate（补偿、赔偿） for the loss or damage in terms of （按照，根据，在……上面）the value of the subject matter insured. The amount insured (保险金额) as agreed（经过协商的，同意的） between the insurer and the assured forms（形成）the basis of indemnity.
A contract of marine cargo insurance is a contract based upon（根据，以……为基础） the utmost good faith,and, if the utmost good faith is not observed（遵守） by either party, thecontract may be avoided(撤销，使无效) by the other party.
Unless the policy otherwise provides, the insurer is not liable for any loss which is not proximately (接近地，最近地) caused by a peril (危险)insured against.
The insurance premium（保险费） is the consideration（报酬，这里引申为“对价”） which the insurers receive from the assured in exchange for（交换） their undertaking（担保，保证） to pay the sum insured（保险金额、投保金额） in the event（事件） insured against.
The general rate of the insurance premium(保险费率)depends on factors（因素） such as: type of goods, the country and distance of destination, value of the goods, mode of transportation, the type of risks covered, container or bulk shipment（整批装运） and type of packing.
If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage（保险金额）must be at least110% of the CIF or CIP value of the goods.
