TRNG I HC NGOI THNGKHOA KINH T V KINH DOANH QUC T--------------

TIU LUN BO HIM TRONG KINH DOANHVn gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam

Nhm sinh vin :

Phm Th Thu Hng Nguyn Mai Phng inh ng T L Hng Vn Nguyn Th Hng Vn T. S Trnh Th Thu Hng

Ging vin hng dn:

H Ni, 2011

TIU LUN BO HIM TRONG KINH DOANH

MC LCLI M U ................................................................................................................... 1 I/ KHI QUT CHUNG V GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI VIT NAM ............................................ 2 II/ VN GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI CC CNG TY BO HIM VIT NAM............................ 4 II.1/ Quy trnh gii quyt khiu ni v bi thng tn tht ............................................... 4 1. Gim nh tn tht .............................................................................................. 4 2. Tip nhn h s ca khch hng ........................................................................ 6 3. Kim tra tnh hiu lc ca h s......................................................................... 7 4. Thanh ton bi thng tn tht .......................................................................... 8 5. Gii quyt cc tranh chp pht sinh.................................................................... 10 II.2/ Thc trng gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam ........................................................................................ 11 III/ MT S V KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI CC CNG TY BO HIM VIT NAM ....................................... 15 1. Bi thng thit hi l hng phn urea ch ri ca Tng cng ty Vigecam ..... 15 2. Bo him Bo Minh bi thng tn tht cho cng ty Dung Qut ..................... 17 KT LUN ....................................................................................................................... 20

TI LIU THAM KHO PH LC

TIU LUN BO HIM TRONG KINH DOANH

LI M UTrong kinh doanh quc t, vn ti ng vai tr rt quan trng bi y l mt mt xch cc k trng yu gip vn chuyn hng ho lu thng khp ton cu. Trong , vn ti bin chim phn ln khi lng hng ha xut nhp khu nhng cng ng thi l phng thc chuyn ch hng ha nhiu ri ro nht so vi cc phng thc cn li. Nhng ri ro ny gy ra rt nhiu thit hi, tn tht v thm ch l cc tranh chp, khiu ni i vi cc bn lin quan trong qu trnh lu chuyn hng ha bng ng bin. Bo him hng hi l mt nghip v bo him ra i t rt sm gii quyt nhng vn trn bng vic phng nga v hn ch nhng ri ro cng nh m bo li ch ca cc bn tham gia bo him nu c tn tht xy ra bng cng tc bi thng. Trong nhng nm qua, cng vi s pht trin ca cng tc bo him hng hi trn th gii, bo him hng hi ti Vit Nam cng c nhng s thay i v nhng bc tin ng k c bit trong cng tc gii quyt khiu ni v bi thng tn tht. Rt nhiu nhng khiu ni v tn tht c gii quyt tha ng v bi thng hp l. Vi mong mun tm hiu su v thc trng nghip v bo him hng hi ti Vit Nam, chng ti la chn ti Vn gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam nghin cu. Chng ti xin chn thnh cm n Tin s Trnh Th Thu Hng - ging vin khoa Kinh t v Kinh doanh quc t gip chng ti hon thnh tiu lun ny. Do vn kin thc cn hn hp nn bi tiu lun khng th trnh khi nhng thiu st, chng ti rt mong nhn c s gp ca c gio v cc bn ti c hon thin hn.

1

TIU LUN BO HIM TRONG KINH DOANH

I/ KHI QUT CHUNG V GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI VIT NAM Cng vi s pht trin ngy cng vt bc ca khoa hc cng ngh v kinh t quc t th vic trao i, bun bn thng mi gia cc quc gia ngy cng pht trin hn bao gi ht. D dng nhn thy rng hin nay, vn ti ng bin gi v tr s mt trong chuyn ch hng ha trn th trng th gii. N m nhn chuyn ch gn 80% tng khi lng hng ha trong bun bn quc t. Vit Nam cng khng nm ngoi xu th . Vi mt h thng cng bin tri di trn c nc ngy cng c u t v nhn lc v vt lc, chuyn ch hng ha xut nhp khu cng nh ni a bng ng bin Vit Nam ngy cng c iu kin c m rng v pht trin, gp phn khng nh n cn cn thng mi, thc y kinh t t nc. Tuy nhin, hng ha v tu trong qu trnh vn chuyn hng hi thng gp rt nhiu ri ro do nhiu nguyn nhn nh iu kin thi tit, c s vt cht hng hi, yu t con ngiMt khi ri ro xy ra, ch hng ha hay nhng ngi c lin quan c th phi chu rt nhiu thit hi khng th lng trc c, nh hng khng nh n hot ng kinh doanh, thm ch trong nhiu trng hp c th dn n ph sn. Hn na, nhng doanh nghip Vit Nam cn rt yu v km trong vic gii quyt tranh chp pht sinh gia cc bn khi xy ra ri ro. V vy, cn thit phi c mt bn khc ng ra cam kt bi thng v nhng thit hi mt mt do mt ri ro tha thun gy ra, tt nhin vi iu kin l bn c bi thng ng cho bn kia mt khon ph nht nh. V bo him hng hi ra i. Nh vy, ngun gc su xa ca bo him hng hi cng nh bt k lnh vc bo him no khc u l do ngi mua bo him mun nhn c mt khon tin bi thng nht nh khi ri ro xy ra, h c th trnh c nhng thit hi qu ln v ti sn, vt cht. Chnh v vy m vic gii quyt khiu ni v bi thng tn tht trong bo him ng vai tr cc k quan trng. Khiu ni l vic ngi c bo him xut trnh h s ph hp i tin ngi bo him khi gp thit hi, tn tht do mt ri ro c bo him gy nn. B h s khiu ni ny s l c s cng ty bo him xc nh xem c bi2

TIU LUN BO HIM TRONG KINH DOANH

thng hay khng. Bn cnh , vic khiu ni phi c thc hin trong thi hn khiu ni mt khong thi gian hp l cho 2 bn thc hin cc cng vic lin quan n khiu ni v nh chun b giy t, chng t, gim nh tn tht Bi thng c ngha l bo m cho ngi c bo him c tnh hnh ti chnh nh th l khi ri ro c bo him khng xy ra, sao cho khng xu hn cng nh khng tt hn. V vy trong cc hp ng bo him, bi thng c th c coi l s n b chnh xc v ti chnh, khi phc tnh trng ti chnh ban u ca ngi c bo him nh trc khi xy ra tn tht. Vic tnh ton bi thng tn tht l rt phc tp, phi da trn nhng nguyn tc chung nhng ty vo tng tnh hung c th m c th c nhng cch gii quyt khc nhau. Chnh v phc tp nh vy m trn thc t, c rt nhiu tranh chp pht sinh gia ngi c bo him v cng ty bo him v khng thng nht c cch bi thng tn tht. Vy nn khi quyt nh bo him cho hng ha ca mnh, cc doanh nghip nn la chn nhng cng ty uy tn, am hiu nghip v bo him la chn k kt hp ng bo him, m bo cho quyn li ca c 2 bn khi c ri ro xy ra. Vit Nam, th trng bo him ngy cng hot ng si ni vi s ra i ca rt nhiu cng ty mi, c bit l s kt hp gia bo him v ngn hng, to cho khch hng nhiu s la chn hn bao gi ht. Hu nh tt c cc cng ty bo him u c mc bo him hng hi, tuy nhin cng cha phi l th mnh ca hu ht cc cng ty, v y l mt nghip v rt kh, i hi tnh chuyn mn v kinh nghim thc tin cao. Hin nay, v lnh vc ny c mt s cng ty ln nh Bo Vit, Bo Minh, Pjico, PVI, BIC, GICNgoi ra c th k n Bo Ngn, SVIC, Vin ng, AAA, HSBC v rt nhiu cc cng ty bo him v ngn hng khc na. Danh mc cc sn phm bo him hng hi ca cc cng ty l kh a dng v khng hon ton ging nhau, nhng xt mt cch chung nht, c th phn bo him hng hi ra thnh 3 loi: Bo him hng ha vn chuyn bng ng bin, bo him thn tu v bo him trch nhim dn s ca ch tu .3

TIU LUN BO HIM TRONG KINH DOANH

II/ VN GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI CC CNG TY BO HIM VIT NAM II.1/ Quy trnh gii quyt khiu ni v bi thng tn tht Quy trnh ny nhiu cng ty tuy c khc nhau nhng v c bn th u tun theo nhng bc sau: Gim nh tn tht

Tip nhn h s khiu ni ca khch hng

Kim tra tnh hp l h s Xc nhn khiu ni

Thanh ton bi thng tn tht

Gii quyt cc tranh chp pht sinh (nu c)

Ngoi nhng bc c bn trn th cc cng ty bo him c th c nhng ni dung c th khc v nh i bi thng bn th ba, x l ti sn b h hng hay t vn v phng hn ch tn tht nh cng ty Bo Minh thc hin. Chi tit c th ca cc bc nh sau: 1. Gim nh tn tht Khi xy ra tn tht, ngi c bo him ngoi vic tin hnh mi bin php c th phng trnh hay gim nh tn tht, cn phi thng bo ngay cho ngi bo him hoc i l ca h n gim nh. Nu ngi bo him khng c i l a phng, ngi c bo him c th yu cu mt gim nh vin c ng k ti a phng gim nh. Tr khi c tha thun khc, ngi bo him t chi gii quyt mt khiu ni khng c chng minh bng bin bn gim nh.4

TIU LUN BO HIM TRONG KINH DOANH

V phn cng ty bo him, sau khi nhn c thng bo tn tht, phi lp tc c gim nh vin/ chuyn vin gim nh tn tht hoc ch nh mt cng ty gim nh c lp n hin trng phi hp vi Ngi c bo him xc nh nguyn nhn, mc tn tht. iu ny c bit quan trng v sau khi gim nh, ngi bo him s c th c nhng quyt nh v vic bo qun hoc nim phong hng tn tht; m phn vi Ngi c bo him v cc bn lin quan trong vic bn cu vt, i ngi th ba hoc t chi khiu ni bng vn bn (nu khng thuc phm vi bo him) trong vng 15 ngy. Nh vy, c th ni gim nh tn tht l c s cho vic bi thng. Gim nh tn tht c tin hnh khi hng ha b h hng, v thi ht, gim phm cht, thi cng n hoc ti cng dc ng v do ngi c bo him yu cu. Nhng tn tht nh do tu m, hng mt, giao thiu hng hoc khng c giao th khng cn phi gim nh v cng khng th gim nh c. Hng b tn tht phi c gim nh ngay khi pht hin ra tn tht ti cng d hng hoc ti kho nhn hng cui cng nu trc khi di chuyn hng ha t tu v kho cui cng c bin bn kt ton nhn hng vi tu (ROROC), vi cng (COR), trong ghi r s lng v tnh trng hng b tn tht. Ti thi gian v a im gim nh trn, s d dng hn trong vic xc nh nguyn nhn gy nn tn tht cng nh mc tn tht mt cch chnh xc v Chng th gim nh tn tht s c gi tr php l cao hn trong vic i bi thng. Sau khi gim nh, ngi gim nh s cp Chng th gim nh, gm 2 loi: Bin bn gim nh v Giy chng nhn gim nh. y l nhng chng t rt quan trng, v vy, khi hng cp cng n, nu c tn tht phi yu cu gim nh ngay (khng mun hn 60 ngy k t ngy d hng khi tu). C quan gim nh l c quan c y quyn trong hp ng bo him hoc c quan c ngi bo him y quyn. V gim nh tn tht l mt nghip v rt phc tp v mang tnh k thut cao, nn nhiu cng ty bo him Vit Nam y quyn cho mt t chc gim nh ring. Vit Nam, Cng ty C phn Gim nh Vinacontrol, vi i ng gim nh vin c o to v am hiu c l5

TIU LUN BO HIM TRONG KINH DOANH

thuyt v thc t, v ang cung cp cho rt nhiu khch hng trong nc v quc t cc dch v gim nh tn tht, phn b tn tht v phng, hn ch tn tht i vi tt c cc loi hng ho xut nhp khu. Ngoi ra, Vinacontrol cng l i l gim nh tn tht cho rt nhiu Cng ty bo him trong nc cng nh nc ngoi nh Bo Vit, Bo Minh, cc Cng ty bo him Hn Quc, Nht Bn 2. Tip nhn h s khiu ni ca khch hng Hu ht cc cng ty u quy nh trch nhim ca khch hng khi tn tht xy ra, thng thng bao gm: - Khi c nguy c c th dn n tn tht, Ngi c bo him phi thng bo ngay cho Cng ty bo him hoc nhng ngi i din hoc i l ca cng ty bo him ni gn nht bng in thoi hoc fax. Nu khng c thng bo tn tht cho ngi chuyn ch vo lc giao hng hoc trong vng 3 ngy k t ngy giao hng th vic giao hng c suy on l giao ng nh m t ca B/L v sau ny khi pht hin tn tht cng khng khiu ni ngi chuyn ch c na; - Khi xy ra tn tht, thng bo bng in thoi v in vo Th d khng/Notice of Loss theo mu ri fax cho cng ty bo him(trong vng 24 gi); Lp Notice of Loss gi cho ngi vn chuyn hoc i l ca ngi vn chuyn hoc bn th ba khc lin quan n tn tht; - Khn trng tin hnh cc bin php hn ch tn tht, ng thi thng bo cho cng ty bo him bng in thoi phi hp gii quyt; - Bo lu quyn khiu ni ngi th ba (nu c); - Thu thp ton b cc chng t lin quan n hng ho tn tht nh COR, ROROC; - Gi b h s khiu ni cho cng ty bo him. Ngay sau khi c ri ro c bo him xy ra v gy ra tn tht, ngi c bo him phi lp h s khiu ni i ngi bo him bi thng. B h s ny gm nhng loi giy t khc nhau ty tng trng hp tn tht, nhng phi chng6

TIU LUN BO HIM TRONG KINH DOANH

minh c: Ngi khiu ni c li ch bo him; hng ha c bo him; tn tht thuc mt ri ro c bo him; gi tr v s tin bo him; s tin i bi thng v m bo ngi bo him c th i c ngi th ba bi thng. Vi nhng ni dung trn y, mt b h s khiu ni thng gm c nhng giy t sau: - Hp ng hay giy chng nhn bo him gc; - Vn n gc ; - Bn sao ho n gc hoc cc ho n chi ph; - Chng t xc nhn s lng, trng lng hng; - Th khiu ni km tnh ton s tin khiu ni; - Bin bn gim nh ca ngi bo him hoc ngi c ngi bo him y quyn; - Giy yu cu bi thng hng ho tn tht (theo mu). Trn y l nhng chng t c bn, cn tu tng trng hp khiu ni c th m ngi bo him km thm cc chng t cho ph hp. Tt c cc cng ty bo him u quy nh mt thi hn khiu ni vi ngi bo him m bo quyn li v ngha v ca c hai bn. i vi bo him hng ha, h s khiu ni phi c gi trc tip cho ngi bo him hoc i l ca h trong thi gian sm nht nhng khng c chm qu 2 nm k t ngy c tn tht hoc pht hin tn tht hay 9 thng (nu khiu ni tn tht c lin quan n trch nhim ca ngi th ba) k t khi hng c d khi tu bin ti cng c tn ghi trong hp ng bo him tr khi c tho thun khc. Thi hn ny l hp l v nu vn quy nh l 2 nm th cng ty bo him s khng cn thi gian i i bn th 3 na. Thi hn khiu ni i vi bo him thn tu l hai nm k t ngy xy ra tai nn v 1 nm nu c khiu ni ngi th 3. 3. Kim tra tnh hp l ca h s B h s l do ngi c bo him lp, v vy cng ty bo him phi kim tra k tt c cc giy t, chng t c th m bo quyn li ca mnh. Thng thng, cc cng ty bo him Vit Nam s xc nhn b h s khiu ni trong7

TIU LUN BO HIM TRONG KINH DOANH

vng 24 ting k t khi nhn c Thng bo tn tht t pha ngi c bo him. vic lm ny c hiu qu, cn c mt i ng nhn vin am hiu nghip v v cn mn hp l c th pht hin nhng sai st khng ng c. 4.Thanh ton bi thng tn tht Thng thng, cc cng ty bo him ti Vit Nam s tin hnh bi thng trong vng 30 ngy k t khi nhn c b h s khiu ni hp l ca ngi bo him. Ring i vi bo him thn tu l 60 ngy k t ngy nhn y h s khiu ni. Trong trng hp t chi bi thng, ngi c bo him phi c kin t chi trong vng 60 ngy k t ngy gi giy bo t chi, nu khng coi nh chp nhn. Cn b bi thng bo him nghin cu, xem xt bi thng bo him trn cc cn c sau: Tn tht xy ra do mt ri ro c bo him v trong thi gian n bo him hoc Giy chng nhn bo him cn hiu lc. Ngi mua bo him thc hin y ngha v c mnh nh: np ph bo him, thng bo v tn tht v khiu ni trong thi hn quy nh, thc hin cc ch dn ca ngi bo him trong vic hn ch tn tht v.v Cc chi ph khc phc s c, thit hi v ph tn hp l, hp l v ph hp vi tnh hnh tn tht. Cc cng ty Vit Nam thng tnh ton v bi thng tn tht trn c s cc nguyn tc sau: Bi thng bng tin ch khng bng hin vt; V nguyn tc, trch nhim ca ngi bo him ch gii hn trong phm vi s tin bo him nhng khi cng thm chi ph hp l khc lm s tin bi thng vt qu s tin bo him th cng ty bo him vn phi bi thng; Khi thanh ton tin bi thng, ngi bo him c th khu tr nhng khon thu nhp ca ngi c bo him trong vic bn hng v i bi thng t ngi th ba.8

TIU LUN BO HIM TRONG KINH DOANH

Cch tnh ton, bi thng tn tht: Tn tht ton b: Phng php bi thng i vi tn tht ton b rt n gin v d hiu. Tr khi c quy nh khc i trn n bo him hoc c tho thun khc bi hai bn, s tin bi thng s l s tin bo him. i vi mt b phn ca i tng bo him b tn tht ton b, v d nh trong trng hp mt kin hng b tn tht ton b do b ri xung bin trong qu trnh bc d v vn chuyn hng ha, phng php bi thng chnh l s tin bo him ca b phn b tn tht ton b . i vi trng hp tn tht ton b c tnh, c 2 trng hp xy ra: Nu ngi c bo him c thng bo t b hng v c ngi bo him chp nhn th ngi bo him phi bi thng ton b. Nu ngi c bo him khng t b hng hoc vic t b hng khng c ngi bo him chp nhn th ch c bi thng nh tn tht b phn. Tn tht b phn: Bo him hng ha: V nguyn tc, m bo vic bi thng chnh xc, phi bi thng da trn cng thc: P = ((V1 V2)/V1) x A (hoc A/V nu A 5. Trang thng tin kinh t, ti chnh v th trng chng khon InfoTV < http://www.infotv.vn/ngan-hang-tai-chinh/bao-hiem/39460-ty-le-boi-thuong-

bao-hiem-tang-dot-bien> truy cp ngy 6/10/2011 6. Din n Giao nhn v Vn ti Vit Nam truy cp ngy 3/10/2011 7. Trang thng tin php lut dn s < http://thongtinphapluatdansu.wordpress.com/2009/08/27/3695/> 8. Website ca mt s cng ty bo him < http://pvi.com.vn/vn/home.aspx> 9. Website cng ty c phn gim nh Vit Nam Vinacontrol truy cp ngy 2/10/2011

Ph lc 1: MU HP NG BO HIMTHE SOCIALIST REPUBLIC OF VIETNAM Independence Freedom Happiness

CARGO INSURANCE OPEN CONTRACTNo. Today ., we are: AAA ASSURANCE CORPORATION Address: Telephone: Account No: with Name of the bank Tax Code: Represented by Mr. AAA, Director Hereinafter referred to as the Insurer, and (THE NAME OF INSURED) Address: Telephone: Account No: with Name of the bank Tax Code: Represented by Mr. AAA, Director Hereinafter referred to as the Insured Subject to the following terms and conditions which the Insured and the Insurer hereby declared to have fully agreed upon. 1. INTEREST AND VOYAGE 1.1 Insured interest: 1.2 Sum insured: Facsimile: Facsimile:

1.3 Voyage: from to .. 1.4 Insured limit: .. any one shipment. In case of exceeding this limit, the Insured has to make a declaration prior loading time. 1.5 Means of transport: 2. TERMS, CONDITION AND PREMIUM RATES: 2.1 Terms, conditions: 2.2 Premium rates: 2.3 Warranties: 3. CONVEYANCE: 3.1 Conveyance has to be seaworthiness and has to be covered P&I risks 3.2 In case of bulk cargo, Insured should notify a carrying vessel to The Insurer prior loading for checking. 4. DELARATION CLAUSE 4.1 It is specially understood and agreed that the Insured shall make definite declaration of each and every shipment covered by this Open Policy without exception to The Insurer, advising all the requisite particulars of the shipment as follows: Insured Interest (packing, description, quantities, marks and number, L/C, number of trade contract and commercial invoice); Insured value and insured amount; Insured voyage (bill of lading); Name and date of sailing of carrying vessel or number and date of flight; Condition of insurance. 4.2 Against such declaration, The Insurer shall issue an Insurance Policy/Certificate which is necessary for the Insured to make a claim against The Insurer for any loss or damage happening to the insured interest. 4.3 This is however agreed that this Open Contract shall not be prejudiced by any omission of error and/or delay in making declaration, except for those intentionally or by gross negligence, provided prompt written notice be given to the Insurer as soon as the said omission, error and/or delay have become known to the Insured and subject to the adjustment of premium if and as required. This clause does not apply to any shipment which already arrives at unloading port. 4.4 All reasonable endorsement shall be accepted by The Insurer, provided that the Insured shall submit endorsement proposal or relevant

document, in which the Insured shall detailedly declare all changes or supplement in respect of this Open Policy. This clause does not apply to any shipment which already arrives at unloading port. 5. VALUATION CLAUSE The Insured Valued in VN Dong/US Dollar shall be based on 100% or 110% Invoice Value. 6. PAYMENT OF PREMIUM CLAUSE: 6.1 Premium shall be paid by the Insured to The Insurer immediately after receipt of the Policy/Certificate and invoice, at the latest, by the end of the month in which the above documents are received by the Insured. 6.2 The premium shall be paid by cheque or by cash in VN Dong or US Dollars. 7. COMMENTCEMENT AND TERMINATION OF INSURANCE Subject to the DURATION Clause of Condition provided as per Clause 2 of this Open Policy. 8. SURVEYING CLAUSE In the event of loss or damage claimable hereunder, immediate notice shall be given to The Insurer, the following company written in each policy shall be in charge of the survey and the settlement of the claim. A survey fee will be paid by The Insurer if loss of or damage is covered by this open policy. 9. CLAIM SETTLING CLAUSE In the event of loss of or damage to the insured interest covered under this Open Contract the Insured should send claim documents to Insurer as soon as possible. 9.1 Claim document for inland transit insurance: Original Certificate of Insurance Original of Contract of carriage, Bill of Lading or Waybill of Lading issued by the carrier Invoice together with specifications, weight/quantities notes Survey report showing the extents of the loss or damage Investigating report on casualty issued by the local authority Correspondence exchanged between the Assured and the carriers or other third parties regarding their liability for the loss or damage Claims statement 9.2 Claim document for importing & exporting cargo:

Original Policy or Certificate of Insurance Original or certified copy of shipping invoices, together with shipping specification and/or weight notes. Original Bill of lading and/or other contract of carriage Survey report or other documentary evidence to show the extent of loss or damage Landing account and weight notes at port of discharge and final destination. Correspondence exchanged with the Carriers and other Parties regarding their liability for the loss or damage. Other documents as per request of the Underwriters Within 15 days of receiving full and legal claim documents, The Insurer must give a written notice to the Insured which must clearly show the loss of or damage to the insured interest will be Insurers liability or not. 10. ALTERATION CLAUSE 10.1 The Insurer reserves the right to alter and/or conditions and/or other items contained in this Open Contract by giving a thirty (30) days previous notice in writing to Insured. 10.2 Such alteration shall become affective on the expiry of thirty (30) days counting from midnight of the day in which such notice is given by the Insurer, but it shall not apply to any shipment by the vessel which shall have sailed from the port of loading (or by the aircraft which shall have taken off from the airport of loading) before such alteration become effective. 11. CANCELLATION CLAUSE The present Open Policy may be cancelled at any time by either party by giving the other thirty (30) days' notice in writing, but such cancellation shall not prejudice any risk or risks which shall have attached at the time such cancellation becomes effective In witness whereof, I the undersigned of AAA ASSURANCE CORPORATION, on behalf of the said Insurer, have subscribed my name on We, AAA Assurance Corporation and (THE NAME OF INSURER), hereby declare that this Open Contract have been issued to us with our full knowledge and consent and that shall be duly executed as prescribed and its terms faithfully complied with and in witness thereof, I the undersign have subscribed my name on

Ph lc 2 TH KHIU NILETTER OF CLAIMTo: Date: Our ref.: Dear Sirs, Description of the accident: ............................................................................................... Description of goods: ......................................................................................................... Claim for: ...............................(loss and damage) in the amount: USD ............................. Please be advised that we, AAA Assurance Corporation, are interested as underwriters in the (subject matter insured) covered by the above (.) and we have settled a claim with the assured who officially subrogate us to all their right and interests thereon. We are now filing claim agaist you for compensation thereof as under and enclosed herewith the supporting documents. Your prompt attention and payment will be appreciated. Faithfully yours, (the third party) 07/10/2011

______________________________________________________________________ CALCULATION:

Enclosures: Relevent documents

Ph lc 3 MU BIN BN GIM NH TN THT

SURVEY REPORTNo.................THIS IS CERTIFYING that the following commodities have been duty inspect at the request of Messr:....................... Bill of Lading/Airway Bill no. ........................................ Issued at: ................................... (marks, Numbers, Quantities, weight and description of Goods) ......................................................................................... .................................................. Shipper per: ..................................................................... From: ........................................ Transhiped at: .................................................................. On : ........................................... Arrived at: ....................................................................... On: ............................................ 1. 1. Date of discharge of goods from vessel/ 1..................................................... plane ....................................................... 2. Date of discharge into from lighter 2..................................................... 3. Date goods delivered to place survey held 4. Date of application for survey 5. Date and place of survey 2. 1. Does B/L contain any reservation 2. Were goods shipped on deck. 3..................................................... 4..................................................... 5..................................................... 1..................................................... 2.....................................................

3. 1. Natural of packing (steate also wherether 1..................................................... new or secondhand and wherether customary ....................................................... and sufficient for such goods). 2. External condition of packing as per 2..................................................... summary of remarks made at discharging ....................................................... (state also kind of report approved by the ....................................................... carriers Rep.) 3. Condition of the outer and inner packing 3..................................................... at the time of survey. ....................................................... 4. State measure of loss prevention, if any, ....................................................... adopt at the port of discharge. .......................................................

5. Natural and cause of Loss and/or Damage. 6. Remarks.

....................................................... .......................................................

PARTICULAR OF LOSS AND/OR DAMAGE****************** At the request of the consignee.........................................,we, surveyor from AAA did attend at the .................................for purpose of carrying out the survey on the said above damage cargo. The results were as follows:

Total amount of loss:..................................................................................................... Surveyee fee:...........................

THIS REPORT IS ISSUED WITHOUT PREJUDICE TO THE RIGHTS OF THE INSURERS AND SUBJECT TO THE TERMS, CONDITIONS AND AMOUNT OF THE POLICY OF INSURANCE.

Hochiminh city, on...........................

SURVEYOR

MARINE INSURANCE DIVISION GENERAL MANAGER