BO HIM HNG HO CHUYN CH BNG NG BIN

BO HIM HNG HO CHUYN CH BNG NG BINNhng vn c bn trong bo himRi ro v Tn tht trong bo him hng hiCc iu kin bo him hng ha chuyn ch bng ng bin -

HYPERLINK "http://www.vietnamshipping.vn/home/thongtinnghiepvu/baohiemvanchuyen.htm" \l "a#a" iu kin bo him A -

HYPERLINK "http://www.vietnamshipping.vn/home/thongtinnghiepvu/baohiemvanchuyen.htm" \l "b#b" iu kin bo him B - iu kin bo him C - Cc iu khon chung cho cc iu kin bo him A- B- CNHNG VN C B N TRONG BO HIM1. Bo him (Insurance) C nhiu nh ngha khc nhau v bo him, song nh ngha sau y c tha nhn mt cch rng ri.Bo him l s cam kt bi thng ca ngi bo him i vi ngi c bo him v nhng tn tht ca i tng bo him do nhng ri ro tha thun gy ra vi iu kin ngi c bo him thu bo him cho i tng v np mt khon tin gi l ph bo him. Nh vy, bn cht ca bo him l s phn chia ri ro, tn tht ca mt hay ca mt s ngi cho c cng ng tham gia bo him cng gnh chu.2. Ngi bo him (Insurer):L ngi k kt hp ng bo him vi ngi c bo him, nhn ri ro tn v pha mnh v c hng mt khon ph bo him.Ngi bo him l cc cng ty bo him nh Bo vit, Bo minh, AIA, VINARE.3. Ngi c bo him (Insured)L ngi c quyn li bo him c mt cng ty bo him m bo. Ngi c quyn li bo him l ngi m khi c s c bo him xy ra th dn h n mt tn tht, mt trch nhim php l hay lm mt i ca h nhng quyn li c php lut tha nhn. V d, ngi ch hng l ngi c bo him trong bo him hng ha.4. i tng bo him (Subject matter insured)L i tng m v n ngi ta phi k kt hp ng bo him. i tng bo him gm 3 nhm chnh: Ti sn, con ngi v trch nhim dn s.5. Tr gi bo him (Insurance value)L tr gi ca ti sn v cc chi ph hp l khc c lin quan nh ph bo him, cc ph vn ti, li d tnh.Tr gi bo him l khi nim thng ch c dng vi bo him ti sn.6. S tin bo him (Insurance amount)L s tin m ngi c bo him k khai v c ngi bo him chp nhn.S tin bo him c th nh hn, bng hoc ln hn gi tr bo him. Nu s tin bo him nh hn tr gi tr bo him th gi l bo him di gi tr, bng tr gi bo him th gi l bo him ti gi tr, nu ln hn th gi l bo him trn gi tr. Khi bo him ln hn gi tr th phn ln hn d vn c th phi np ph bo him nhng khng c bi thng khi tn tht xy ra.7. Ph bo him (Insurance Premium)L mt t l phn trm nht nh ca tr gi bo him hay s tin bo him. Ph bo him chnh l khon tin m ngi c bo him phi tr cho ngi bo him i tng bo him ca mnh c bo him.8. T l ph bo him (Insurance rate)L mt t l phn trm nht nh thng do cc cng ty bo him cng b. T l ph bo him c tnh da vo thng k ri ro tn tht trong nhiu nm. Xc sut xy ra ri ro cng ln th t l ph bo him cng cao.Cc cng ty bo him thng cng b bng t l ph bo him cho tng nghip v bo him.9. Ri ro (Risk)L nhng e da nguy him m con ngi khng lng trc c, l nguyn nhn gy nn tn tht cho i tng bo him. V d nh: Tu mc cn, m, chy, m v, chin tranh, nh cng...10. Tn tht (Loss, Average, Damage)L s mt mt, h hi do ri ro gy nn. V d: Tu b m, hng b t, tu m phi ngm, hng b v... RI RO V TN THT TRONG BO HIM HNG HA CHUYN CH BNG NG BINBo him hng ha chuyn ch bng ng bin l nghip v bo him m i tng l hng ha vn chuyn bng ng bin. y l mt trong s cc nghip v bo him hng hi hnh thnh v pht trin t rt sm.1. Ri ro trong bo him hng hiTrong bo him hng ha chuyn ch bng ng bin c th ni ti ba loi ri ro:a - Ri ro thng thngL ri ro c bo him trong nhng iu kin bo him hng ha thng thng nh A, B, C. V vy ri ro thng thng cn c gi l ri ro c bo him.Ri ro thng thng gm: Ri ro mc cn, chm m, chy, m v, nm hng xung bin, mt tch, v cc ri ro ph nh rch, v, g, bp, cong vnh, hp hi, mt mi, ly hi, ly bn, v p v hng ha khc, nc ma, hnh vi c , trm, cp, cp, mc cu.b - Ri ro phi bo him ringL nhng ri ro loi tr i vi bo him hng hi. l cc ri ro c bit, phi hng hi nh chin tranh, nh cng. Cc ri ro ny ch c bo him nu c mua ring, mua thm. Khi ch mua bo him hng hi th nhng ri ro ny b loi tr.c - Ri ro loi trL nhng ri ro thng khng c bo him trong mi trng hp i vi bo him hng ha vn chuyn bng ng bin.Ri ro loi tr gm mt s ri ro sau y: Bun lu, tch thu, ph bao vy, li c ca ngi c bo him, ni t, n t, tu khng kh nng i bin, tu i chch hng, ch tu mt kh nng ti chnh.2 - Tn tht trong bo him hng hia . Cn c vo mc v quy m, tn tht c chia thnh hai loi:* Tn tht b phn (patial loss)L s mt mt mt phn i tng bo him thuc mt hp ng bo him. V d l hng 10 tn ng trong qu trnh vn chuyn b tn tht 1 tn.* Tn tht ton b (total loss)L hng ha bo him b mt 100% gi tr hoc g tr s dng. Tn tht ton b gm 2 loi:Loi 1: Tn tht ton b thc s (actual total loss)L tn tht m do hng ha b ph hy hon ton hay b h hng nghim trng khng cn l vt phm nh c hoc ngi c bo him b tc quyn s hu vi hng ha.Nh vy tn tht ton b thc s c th l do hng ha bo him b ph hy hon ton nh chy hoc n, hay hng ha b h hng nghim trng nh go hay ng b thi do ngm nc hoc ngi c bo him b tc hn quyn s hu i vi hng ha nh hng v mt do mt tch hay do tu b m.Loi 2: Tn tht ton b c tnh (contructive total loss)L tn tht v hng ha m khng sao trnh khi tn tht ton b thc s hay nhng chi ph phi b ra sa cha, khi phc v a hng ha v bn n bng hoc vt qu tr gi hng ha.Tn tht ton b c tnh gm 2 dng:Dng th nht l: Chc chn tn tht ton b thc s s xy ra, v d mt l ng c ch t nc ngoi v Vit Nam, dc ng ng b ngm nc v bt u thi, nu c mang v Vit Nam th ng s thi ht, tn tht ton b thc s chc chn s xy ra.Dng th 2 l: Xt v ti chnh th coi l tn tht ton b, v d vn chuyn st thp t nc ngoi v Vit Nam, dc ng tu hng my buc phi vo Hng Kng sa cha. cha tu phi d st ln b, trong thi gian cha phi lu kho lu bi st thp, khi cha xong phi ti xp st thp xung tu v a st thp v Vit Nam. Tng cc chi ph phi b ra trong trng hp ny c th bng hoc ln hn tr gi bo him ca st thp.Khi hng ha b tn tht ton b c tnh, ngi c bo him c th t b hng ha. T b hng ha l t b mi quyn li lin quan n hng ha hay l s t nguyn ca ngi c bo him chuyn quyn s hu v hng ha cho ngi bo him i bi thng ton b. Mun t b hng phi tun th cc quy nh sau;Mt l: Tuyn b t b hng (notice of abandonment - NOA) gi cho ngi bo him bng vn bn.Hai l: Ch t b khi hng ha cn dc ng v cha b tn tht ton b thc s.Ba l: Khi t b c ngi bo him chp nhn th khng thay i c na, s hu v hng ho thuc v ngi bo him v ngi c bo him c i bi thng ton b.b. Cn c vo quyn li v trch nhim, tn tht c chia lm hai loi:* Tn tht ring (particular average)L tn tht ca tng quyn li bo him do thin tai, tai nn bt ng gy nn. V d, dc ng tu b st nh lm hng ha ca ch hng A b chy, tn tht ca hng A l do thin tai, ch hng A phi t chu, hoc i cng ty bo him, khng c phan b tn tht cho ch tu v cc ch hng khc. Tn tht trong trng hp ny l tn tht ring.* Tn tht chung (general average)L nhng thit hi xy ra do nhng chi ph hoc hi sinh c bit c tin hnh mt cch c v hp l nhm mc ch cu tu, hng ha v cc ph trong mt hnh trnh chung trn bin khi s nguy him chung i vi chng.Tn tht chung c chia lm 2 b phnB phn th nht: Hy sinh tn tht chungL nhng thit hi hoc chi ph do hu qu trc tip ca mt hnh ng tn tht chung. V d: Tu gp bo ln, buc phi vt hng ca ch hng A xung bin cu ton b hnh trnh. Hng A b vt xung bin l hy sinh tn tht chung.B phn th 2: Chi ph tn tht chungPhi tr cho ngi th ba trong vic cu tu, hng, cc ph thot nn hoc chi ph lm cho tu tip tc hnh trnh. Nhng chi ph sau y c coi l chi ph tn tht chung; Chi ph tu ra vo cng lnh nn, chi ph lu kho lu bi ti cng lnh nn, chi ph tm thi sa cha nhng h hi ca tu, chi ph tng thm v nhin liu... do hu qu ca hnh ng tn tht chung.CC IU KIN BO HIM HNG HA CHUYN CH BNG NG BIN(CC IU KIN BO HIM CA ANH - 1.1.1982)IU KIN BO HIM A:Nhng ri ro c bo him:1. iu khon ri roLoi tr nhng ri ro qui nh trong cc iu 4, 5, 6 v 7 di y, bo him ny bo him mi ri ro v mt mt hoc h hng xy ra vi i tng c bo him.2. iu khon tn tht chungBo him ny bo him cc chi ph tn tht chung v cu h chi ra nhm trnh hoc c lin quan ti vic trnh khi tn tht do bt k nguyn nhn no, loi tr nhng nguyn nhn qui nh trong cc iu khon 4, 5, 6 v 7 hay nhng iu khc trong hp ng bo him ny. Cc chi ph ny c tnh ton hoc xc nh theo hp ng chuyn ch v /hoc theo lut php v tp qun hin hnh.3. iu khon Tu m va nhau hai bn cng c liHp ng bo him ny c m rng bi thng cho ngi c bo him phn trch nhim theo iu khon hai tu m va nhau hai bn cng c li trong hp ng chuyn ch co lin quan ti mt tn tht thuc phm vi bi thng ca bo him ny. Trng hp Ch tu khiu ni theo iu khon ni trn th Ngi c bo him phi thng bo cho Ngi bo him l ngi c quyn bo v Ngi c bo him i vi khiu ni v t chu mi ph tn.Loi tr bo him:4. iu khon loi tr chungTrong bt k trng hp no bo him ny s khng bo him cho:4.1. Mt mt, h hng hay chi ph c qui cho hnh vi xu c ca Ngi c bo him.4.2. i tng c bo him b r chy thng thng, hao ht trng lng hoc gim th tch thng thng hoc hao mn thng thng.4.3. Mt mt h hng hoc chi ph gy ra do vic ng gi hoc chun b cho i tng c bo him cha y hoc khng thch hp (theo ch ca iu 4.3 ny vic ng gi phi c coi nh bao gm c vic xp hng vo container hoc kin g nhng ch khi no vic xp hng c thc hin trc khi hp ng ny c hiu lc hoc tin hnh bi Ngi c bo him hoc nhng ngi lm cng cho h).4.3. Mt mt h hng hay chi ph gy ra bi khuyt tt vn c hoc tnh cht ring ca i tng c bo him.4.5. Mt mt h hng hay chi ph trc tip gy ra bi chm tr ngay c khi chm tr do mt ri ro c bo him gy ra (tr nhng chi ph c chi tr theo iu 2 k trn)4.6. Mt mt h hng hay chi ph pht sinh t tnh trng khng tr c n hoc thiu thn v ti chnh ca ngi Ch tu, ngi qun l, nguwi thu hoc ngi iu hnh tu.4.7. Mt mt h hng hay chi ph pht sinh t vic s dng bt k mt loi v kh chin trang g c s dng nng lng nguyn t, ht nhn v/ hoc phn ng ht nhn, phng x hoc tng t.5. iu khon loi tr tu khng kh nng i bin v khng thch hp cho vic chuyn ch.5.1. Trong bt k trng hp no bo him ny cng s khng bo him cho nhng mt mt h hng hoc chi ph gy ra bi.- Tu hoc thuyn khng kh nng i bin.- Tu, thuyn, phng tin vn chuyn container hoc kin g khng thch hp cho vic chuyn ch an ton i tng c bo him. Nu Ngi uc bo him hoc nhng ngi lm cng cho h c bit v trng thi khng kh nng i bin hoc khng thch hp vo thi gian i tng c bo him c xp vo cc phng tin trn.5.2. Ngi bo him b qua mi trng hp vi phm nhng cam kt ng tu kh nng i bin v thch hp cho vic chuyn ch i tng c bo him ti ni n, tr khi Ngi c bo him hoc ngi lm cng cho h c bit rieng v trng thi khng kh nng i bin hay khng thch hp .6. iu khon loi tr chin tranhTrong bt k trng hp no bo him ny s khong bo him cho nhng mt mt h hng hoc chi ph gy ra bi6.1. Chin tranh, ni chin, cch mng, ni lon, khi ngha hoc xung t dn s pht sinh t nhng bin c , hoc bt k hnh ng th ch no gy ra hoc chng li bn tham chin6.2. Bt gi, tch thu, kim ch hay cm gi (loi tr cp bin) v hu qu ca nhng hnh ng hoc bt k mu toan no nhm thc hin nhng hnh vi .6.3. Mn, thy li, bom hoc nhng v kh chin tranh hoang ph khc.7. iu khon loi tr nh cngTrong bt c trng hp no bo him ny cng khng bo him cho nhng mt mt h hi hoc chi ph7.1. Gy ra bi nhng ngi nh cng, cng nhn b cm xng hoc nhng ngi tham gia gy ri lao ng, no lon hoc bo ng dn s7.2. Hu qu ca nh cng, cm xng, gy ri lao ng, no lon hoc bo ng dn s 7.3. Gy ra bi bt k k khng b hoc bt k ngi no hnh ng v ng c chnh tr.IU KIN BO HIM BNhng ri ro c bo him 1. iu khon ri roLoi tr nhng ri ro qui nh trong cc iu khon 4, 5, 6 v 7 di y, bo him ny bo him.1.1. Mt mt hoc h hng xy ra cho i tng c bo him c th qui hp l do.1.1.1. Chy hay n1.1.2. Tu hay thuyn b mc cn, m hoc lt1.1.3. Phng tin vn chuyn ng b b lt hoc trt bnh1.1.4. Tu, thuyn hay phng tin vn chuyn m va hoc va chm vi bt k vt th no bn ngoi, khng k nc.1.1.5. D hng ti mt cng ni tu gp nn1.1.6. ng t, ni la phun hoc st nh1.2. i tng bo him b mt mt hoc h hng do nhng nguyn nhn:1.2.1. Hy sinh tn tht chung1.2.2. Nm hng khi tu hoc hng b nc cun tri khi tu1.2.3. Nc bin, nc sng hay nc h trn vo tu, thuyn, hm hng, phng tin vn chuyn cng ten n hoc ni ca hng.1.3. Tn tht ton b bt k kin hng no ri khi tu hoc ri trong khi ang xp hng ln, hay ang d khi tu hoc thuyn.2. iu khon tn tht chungBo him ny bo him cc chi ph tn tht chung v cu h chi ra nhm trnh hoc c lin quan ti vic trnh khi tn tht do bt k nguyn nhn no, loi tr nhng nguyn nhn qui nh cc iu khon 4, 5, 6 v 7 hay nhng iu khc trong hp ng bo him ny. Cc chi ph ny c tnh ton hoc xc nh theo hp ng chuyn ch v/ hoc theo lut php v tp qun hin hnh.3. iu khon Tu m va nhau hai bn cng c liHp ng bo him ny c m rng bi thng cho Ngi c bo him phn trch nhim theo iu khon tu m va nhau hai bn cng c li trong hp ng chuyn ch c lin quan ti mt tn tht thuc phm vi bi thng ca hp ng bo him ny. Trng hp Ch tu khiu ni theo iu khon ni trn th Ngi c bo him phi thong bo cho Ngi bo him l ngi c quyn bo v Ngi c bo him i vi khiu ni v t chu mi ph tn.Loi tr bo him:4. iu khon loi tr chungTrong bt c trng hp no bo him ny s khng bo him cho:4.1. Mt mt, h hng hay chi ph c qui cho hnh vi xu c ca Ngi c bo him4.2. i tng c bo him b r chy thng thng, hao ht trng lng hoc gim th tch thng thng hoc hao mn thng thng.4.3. Mt mt h hng hoc chi ph pht sinh do vic ng gi hoc chun b cho i tng c bo him cha y hoc khng thch hp (theo ch ca iu 4.3 ny vic ng gi s c coi l bao gm c vic xp hng vo container hoc kin g nhng ch khi no vic xp hng c thc hin trc khi hp ng ny c hiu lc hoc tin hnh bi Ngi c bo him hoc nhng ngi lm cng cho h)4.4. Mt mt h hng hay chi ph pht sinh do khuyt tt vn c tnh cht ring ca i tng c bo him4.5. Mt mt h hng hay chi ph trc tip gy ra do chm tr, ngay c khi chm tr do mt ri ro c bo him gy ra (tr nhng chi ph c chi tr theo iu 2 k trn)4.6. Mt mt h hng hay chi ph pht sinh t tnh trng khng tr c n hoc thiu thn v ti chnh ca Ch tu, ngi qun l, ngi thu hoc ngui iu hnh tu4.7. H hi hoc ph hy do c gy ra cho i tng bo him hay mt b phn bt k ca i tng bo him do hnh ng sai tri ca bt k ngi no.4.8. Mt mt h hng hay chi ph pht sinh t vic s dng bt k mt loi v kh chin tranh g c s dng nng lng nguyn t, ht nhn v/hoc phn ng ht nhn, phng x hoc tng t.5. iu khon loi tr tu khng kh nng i bin v khng thch hp cho vic chuyn ch5.1. Trong bt c trng hp no bo him ny s khng bo him cho nhng mt mt h hng hoc chi ph gy ra bi- Tu hoc thuyn khng kh nng i bin.- Tu, thuyn, phng tin vn chuyn container hoc kin g khng thch hp cho vic chuyn ch an ton i tng c bo him, nu Ngi c bo him hoc nhng ngi lm cng cho h c bit ring v trng thi khng kh nng i bin hoc khng thch hp vo thi gian i tng c bo him uc xp vo cc phng tin trn.5..2. Ngui bo him b qua mi trng hp vi phm nhng cam kt ng tu kh nng i bin v thch hp cho vic chuyn ch i tng c bo him ti ni n tr khi Ngi c bo him hoc ngi lm cng cho h c bit ring v trng thi khng kh nng i bin hay khng thch hp .6. iu khon loi tr chin tranhTrong bt k trng hp no bo him ny s khng bo him cho nhng mt mt h hng hoc chi ph gy ra bi6.1. Chin tranh, ni chin, cch mng, ni loan, khi ngha hoc xung t dn s pht sinh t nhng bin c , hoc bt k hnh ng th ch no gy ra hoc chng li bn tham chin6.2. Bt gi, tch thu, kim ch hay cm gi v hu qu ca nhng s vic hoc bt k mu toan no nhm thc hin nhng hnh vi .6.3. Mn, thy li, bom hoc nhng v kh chin tranh hoang ph khc.7. iu khon loi tr nh cngTrong bt k trng hp no bo him ny s khng bo him cho nhng mt mt h hng hoc chi ph.7.1. Gy ra bi nhng ngi nh cng, cng nhn b cm xng hoc nhng ngi tham gia gy ri lao ng, no lon hoc bo ng dn s7.2. Hu qu ca nh cng, cm xng, gy ri lao ng, no lon hoc bo ng dn s7.3. Gy ra bi bt k k khng b hoc bt k ngi no hnh ng v ng c chnh trIU KIN BO HIM CNhng ri ro c bo him:1. iu khon ri roLoi tr nhng ri ro qui nh trong cc iu khon 4, 5, 6 v 7 di y, bo him ny bo him1.1. Mt mt hoc h hng xy ra cho i tng c bo him c th qui hp l cho 1.1.1. Chy hay n1.1.2. Tu hay thuyn b mc cn, m hoc lt1.1.3. Phng tin vn chuyn ng b b lt hoc trt bnh1.1.4. Tu, thuyn hay phng tin vn chuyn m va hoc va chm vi bt k vt th no bn ngoi, khng k nc.1.1.5. D hng ti mt cng ni tu gp nn1.2. i tng bo him b mt mt hoc h hng do nhng nguyn nhn:1. 2.1. Hy sinh tn tht chung1. 2..2. Nm hng khi tu.2. iu khon tn tht chungBo him ny bo him cc chi ph tn tht chung v cu h chi ra nhm trnh hoc c lin quan ti vic trnh khi tn tht do bt k nguyn nhn no, loi tr nhng nguyn nhn qui nh cc iu khon 4, 5, 6 v 7 hay nhng iu khc trong hp ng bo him ny. Cc chi ph ny c tnh ton hoc xc nh theo hp ng chuyn ch v/ hoc theo lut php v tp qun hin hnh.3. iu khon "Tu m va nhau hai bn cng c li"Bo him ny c m rng bi thng cho Ngi c bo him phn trch nhim theo iu khon "Tu m v nhau hai bn cng c li trong hp ng chuyn ch c lin quan ti mt tn tht thuc phm vi bi thng ca bo him ny. Trng hp Ch tu khiu ni theo iu khon ni trn, Ngi c bo him phi thng bo cho Ngi bo him l ngi c quyn bo v Ngi c bo him i vi khiu ni v t chu mi ph tn.Loi tr bo him:4. iu khon loi tr chungTrong bt k trng hp no bo him ny s khng bo him cho:4.1. Mt mt, h hng hay chi ph c qui cho hnh vi xu c ca Ngi c bo him4.2. i tng c bo him b r chy thng thng, hao ht trng lng hoc gim th tch thng thng hoc hao mn thng thng4.3. Mt mt h hng hoc chi ph gy ra do vic ng gi hoc chun b cho i tng c bo him cha y hoc khng thch hp) theo ch ca iu 4.3 ny vic ng gi phi c coi nh bao gm c vic xp hng vo container hoc kin g nhng ch khi no vic xp hng c thc hin trc khi hp ng bo him ny c hiu lc hoc c tin hnh bi Ngi c bo him hoc nhng ngi lm cng cho h)4.4. Mt mt h hng hay chi ph gy ra bi khuyt tt vn c hoc tnh cht ring ca i tng c bo him.4.5. Mt mt h hng hay chi ph trc tip gy ra bi chm tr ngay c khi chm tr do mt ri ro c bo him gy ra (tr nhng chi ph c chi tr theo iu 2 k trn)4.6. Mt mt h hng hay chi ph pht sinh t tnh trng khng tr c n hoc thiu thn v ti chnh ca Ch tu, ngi qun l, ngi thu hoc ngi iu hnh tu.4.7. H hi hoc ph hy do c gy ra cho i tng bo him hay mt b phn bt k ca i tng do hnh ng sai tri ca bt k ngi no.4.8. Mt mt h hng hay chi ph pht sinh t vic s dng bt k mt loi v kh chin tranh g c s dng nng lng nguyn t, phn ht nhn v/ hoc phn ng ht nhn, phng x hoc tng t.5. iu khon loi tr tu khng kh nng i bin v khng thch hp cho vic chuyn ch5.1.Trong bt k trng hp no bo him ny s khng bo him cho nhng mt mt h hng hoc chi ph gy ra bi- Tu hoc thuyn khng kh nng i bin- Tu, thuyn, phng tin vn chuyn container hoc kin g khng thch hp cho vic chuyn ch an ton i tng c bo him, Nu ngi c bao him hoc nhng ngi lm cng cho h c bit ring tnh trng khng kh nng i bin hoc khng thch hp vo thi gian i tng c bo him c xp vo cc phng tin trn.5.2. Ngi bo him b qua mi trng hp vi phm nhng cam kt ng tu kh nng i bin v thch hp cho vic chuyn ch i tng c bo him ti ni n tr khi Ngi c bo him hoc ngi lm cng cho h c bit ring v tnh trng khng kh nng i bin hay khng thch hp .6. iu khon loi tr chin tranhTrong bt k trng hp no bo him ny s khng bo him cho nhng mt mt h hng hoc chi ph gy ra bi6.1. Chin tranh, ni chin, cch mng, ni lon, khi ngha hoc xung t dn s pht sinh t nhng bin c , hoc bt k hnh ng th ch no gy ra hoc chng li bn tham chin6.2 Bt gi, tch thu, kim ch hay cm gi v hu qu ca nhng s vic hoc bt k mu toan no nhm thc hin nhng hnh vi .6.3. Mn, thy li, bom hoc nhng v kh chin tranh hoang ph khc.7. iu khon loi tr nh cngTrong bt k trng hp no bo him ny s khng bo him cho nhng mt mt h hng hoc chi ph7.1. Gy ra bi nhng ngi nh cng, cng nhn b cm xng hoc nhng ngi tham gia gy ri lao ng no lon hoc bo ng dn s7.2. Hu qu ca nh cng, cm xng, gy ri lao ng, no lon hoc bo ng dn s7.3. Gy ra bi bt k k khng b hoc bt k ngi no hnh ng v ng c chnh tr. CC IU KHON CHUNG CHO CC IU KIN BO HIM A- B- C1. iu khon vn chuyn1.1.Bo him ny bt u c hiu lc k t khi hng ri khi cho hay ni cha hng ti a im c tn ghi trong n bo him bt u vn chuyn, tip tc c hiu lc trong qu trnh vn chuyn bnh thng v kt thc hiu lc ti mt trong nhgn thi im sau y, ty theo trng hp no xy ra trc hoc.a. Khi giao hng vo kho ngi nhn hng hay kho, hoc ni ca hng cui cng khc ti ni n c tn trong n bo himb. Khi giao hng vo bt k mt kho hay ni cha hng no khc, d trc khi ti hay ti ni n c tn ghi trong n bo him m Ngi c bo him chn dng hoc* cha hng ngoi qu trnh vn chuyn bnh thng hoc* chia hay phn phi hng hocc. Khi ht hn 60 ngy sau khi hon thnh vic d hng ha bo him khi tu bin ti cng d hng cui cng1..2. Nu sau khi hng d khi tu bin ti cng d hng cui cng, nhng trc khi kt thc thi hn bo him, hng ha c gi ti mt ni khc ni n ghi trong n bo him, bo him ny trong khi gi nguyn hiu lc theo qui nh kt thc ni trn s khng m rng gii hn qu lc bt u vn chuyn ti mt ni n khc .1.3. Bo him ny s gi nguyn hiu lc (ph thuc qui nh kt thc ni trn v qui nh trong iu 2 di y) trong khi b chm tr ngoi kh nng kim sot ca Ngi c bo him, tu chy chch hng bt k, d hng bt buc, xp li hng hoc chuyn ti v khi c bt k thay i no v hnh trnh pht sinh t vic thc hin mt quyn t do m hp ng chuyn ch dnh cho Ch tu hoc Ngi thu tu.2. iu khon kt thc hp ng vn chuynNu do nhng tnh hung ngoi kh nng kim sot ca Ngi c bo him m hp ng vn chuyn kt thc ti mt cng hay mt ni khc ni n c tn ghi trong hp ng vn chuyn hoc vic vn chuyn c kt thc theo mt cch khc trc khi giao hng nh qui nh ca iu 8 trn y, bo him ny cng s kt thc, tr khi Ngi c bo him thng bo ngay cho Ngi bo him yu cu tip tc bo him khi bo him vn cn hiu lc, vi iu kin phi np thm ph bo him nu Ngi bo him yu cu, hoc2.1. Cho ti khi hng c bn v giao ti cng hay a im , hoc tr khi c tha thun ring khc, cho ti khi ht hn 60 ngy sau khi hng c bo him n cng hay i im , ty theo trng hp no xy ra trc, hoc2.2. Nu hng ha c gi i trong thi hn 60 ngy ni trn (hoc bt k thi hn m rng no tha thun) ti ni n c tn ghi trong n ba him hay ti bt k ni n no khc cho ti khi kt thc bo him theo nhng qui nh ca iu 8 k trn.3. iu khon thay i hnh trnhSau khi bo him ny bt u c hiu lc nu Ngi c bo him thay i ni n th bo him ny vn gi nguyn hiu lc vi iu kin Ngi c bo him phi thng bo ngay cho Ngi bo him bit vi chi ph bo him v nhng iu kin c tha thun.4. iu khon quyn li bo him4.1. c th i bi thng theo n bo him ny Ngi c bo him cn phi c quyn li bo him i vi i tng c bo him vo thi gian xy ra tn tht4.2. Tun theo iu 4.1 trn y Ngi c bo him s c quyn i bi thng cho nhng tn tht c bo him xy ra trong thi gian bo him ny c hiu lc cho d tn tht xy ra trc khi hp ng bo him c k kt, tr khi Ngi c bo him bit v tn tht v Ngi bo him cha bit.5. iu khon chi ph gi hngNu do hu qu ca mt ri ro c bo him m hnh trnh c bo him li kt thc ti mt cng hoc mt ni khng phi ni n c tn ghi trong n bo him th Ngi bo him s hon tr cho Ngi c bo him mi khon chi ph pht sinh thm mt cch hp l v tha ng d hng, lu kho v gi hng ti ni n thuc phm vi bo him ca hp ng ny.iu ny khng p dng cho tn tht chung hoc chi ph cu h v phi tun theo nhng im loi tr trong cc iu 4, 5, 6 v 7 k trn v khng bao gm nhng chi ph pht sinh t hnh vi sai lm, bt cn v t tnh trng khng tr c n hoc thiu thn v ti chnh ca Ngi c bo him hay nhng ngi lm cng cho h.6. iu khon tn tht ton b c tnhBo him ny khng bi thng cho cc khiu ni v tn tht ton b c tnh tr khi i tng c bo him b t b mt cch hp l nu xt thy khng th trnh khi tn tht ton b thc t hoc do chi ph phc hi, tu b li v gi hng ti ni n thuc phm vi bo him s vt qu gi tr hng ti ni n.7. iu khon gi tr tng thm7.1. Nu Ngi c bo him k kt bt k hp ng bo him gi tr tng thm no cho hng ha c bo him ny bo him th gi tr tha thun ca hng ha c xem nh c bo him ny bo him thuc bo him ny cng vi s tin bo him ca cc hp ng bo him gi tr tng thm cng vo him tn tht v trch nhim thuc phm vi bo him ny s c tnh theo t l gia s tin bo him ca hp ng bo him ny v tng s tin bo him ni ti.Trng hp c khiu ni, Ngi c bo him phi cung cp cho Ngi bo him bng chng v nhng s tin bo him thuc tt c cc Hp ng bo him khc.7.2. Trng hp bo him ny bo him gi tr tng thm th s p dng iu khon sau:Gi tr tha thun ca hng ha s c xem nh ngang bng vi tng s tin ba him ca hp ng bo him gc v ca tt c cc hp ng bo him gi tr tng thm m Ngi c bo him thc hin cng bo him cho tn tht v trch nhim thuc phm vi bo him ny s c tnh theo t l gia s tin bo him ca hp ng bo him ny v tng s tin bo him ni ti.Trng hp c khiu nai, Ngi c bo him phi cung cp cho Ngi bo him bng chng v nhng s tin ba him thuc tt c cc bo him khc.8. iu khon khng p dngBo him ny s khng p dng i vi quyn li ca ngi chuyn ch hay ngi nhn k gi hng ha no khc.9. iu khon ngha v ca Ngi c bo himNgha v ca Ngi c bo him, nhng ngi lm cng v i l ca h i vi cc tn tht thuc phm vi ca bo him ny l:9.1. Phi thc hin mi bin php c th coi l hp l nhm mc ch ngn nga hoc gim nh tn tht v 9.2. Phi bo lu v thc hin cc quyn khiu ni i vi ngi chuyn ch, ngi nhn k gi hng ha hay ngi th ba khc v Ngi bo him ngoi trch nhim i vi nhng tn tht thuc phm vi bi thng ca bo him ny s hon tr cho Ngi c bo him bt k chi ph no chi ra mt cch hp l v tha ng thc hin ngha v ny.10. iu khon t bMi bin php do Ngi c bo him hoc Ngi bo him thc hin nhm mc ch cu vt, bo v hoc khi phc li i tng c bo him s khng c coi nh s t b hoc s chp nhn t b hoc v mt khc lm tn hi n cc quyn li ca mi bn.11. iu khon khn trng hp liu kin ca bo him ny l Ngi c bo him phi hnh ng mt cch khn trng hp l trong mi tnh hung thuc kh nng kim sot ca h.12. iu khon lut php v tp qun AnhBo him ny tun theo lut php v tp qun Anh.