Disputes over Insurance

保险纠纷

A: As you may recall.the June consignment arrived at India seriously damaged.The loss through breakage was over 30% of the consignment. We've presented a claim to the underwriters through your firm,but the insurance company refused to admit liability.as there was no insurance on breakage. We naturally were not satisfied with such a reply. l'd like to hear what Mr. Li has to say about it.

A: 你也许记得，6月份发运到印度的那批货破损严重。破碎损失超过这批货的30%。我们已经通过你们公司向保险公司提出了索赔，但保 险公司以没有投保破碎险为由，拒绝承担责任。我们当然对这种答复不满意。我想听听李先生对此的看法。

B: You know,the loss in question was beyond the coverage granted by us.According to your instructions.we made out an insurance certificate covering WAP and the risk of breakage wasn't mentioned in it.

B: 你说的损失并不包括在我们承保的责任范围内。根据你们的要求，我们出具了投保水渍险 的保险凭证，但没提及到破碎险。

C: In the letter of credit only coverage for all marine risks was requested. l'd like to point out that our prices were calculated without insurance for any special risk. So we applied for the usual WAP coverage and let our customers deal with the matter of breakage.

C：信用证只要求投保“综合海运险”。我想要指出的是，我们的价格没把任何特殊险计算在内，所以我们只投保了通常的水渍险，而让我 们的客户自相办理破碎险事宜。

A: Mr. King. we presume that the wording of our UC implies covering the risk of breakage. Besides.when I take a WAP insu-rance which is with particular average.l should think the risk of breakage is a particular average.isn't it?

A: 金先生，我认为信用证的措辞包含了投保破碎险。此外，我投保水渍险时．那就是对单独海损要负责赔偿，我想破碎险是属于一种单独海损对不对？

C: Not every breakage is a particular average. It is a particular average when the breakage results from natural calamities or maritime accidents.lf none of these conditions occur,breakage is often considered as an ordinary loss,which is outside the scope of the coverage.

C: 并不是所有破碎险都属于单独海损。只有由于自然灾害或意外事故造成的破碎才属于单． 独海损。如果没有发生上述事故，破碎险常被 认为是一种普通损失，不属于承保范围之内 。

A: But the risk of breakage is covered by marine insurance,isn't it'?

A：但破碎险是包括在海洋运输货物险之内，对不对？

B: Of course,but it is a usual practice to make specific mention in the insurance policy or certificate that the risk of breakage is included.The inclusion of this special risk will be subject to an additional premium that will normally be higher than the basic insurance for the ordinary marine risks.

B：当然，但按照惯例要在保险单或保险凭证上特。别注明破碎险包括在内。包括这种特别险就必须附加保险费。这种保险费一般比通常的海洋运输货物险高。

A: I see. Another thing I don't understand now is the advantage of WAP coverage.l thought that the WAP insurance should cover all principle risks while,according to what you say.it means very little.

A：我懂了。另外一件事我现在还不明白，保水渍 险有什么好处。我原以为水渍险包括全部主要风险，而根据你说的，它承保责任却很少.

B: Neither the WAP nor the FPA mention the risks covered or excl- uded. Look at the insurance certificates and you will find that the risks of theft and pilferage, freshwater, oil, grease. hooks, breakage.leakage, contamination. deterioration. etc. are specifically mentioned and must be specifically applied for. These are special risks.

B: 无论水渍险还是平安险都不注明包括哪些险别或不包括哪些险别。保险范嗣是写在基本保险单内和各种险别条款里。你看保险凭证就会发现偷窃险，淡水险，油渍险，油污险，钩损险，渗漏险，玷污险，变质险等都特加注明，并且必须特别申保。这些就是特别险.

A: It seems that the error was on both sides and I think the loss should be shared by both parties.

A: 看来双方都有错误，我认为损失应由双方承担。

B: Our price calculation could hardly admit that. Besides,we acted upon your instructions, so it is not our fault. But in view of our good partnership,we'll supply you with a favorite offer to compensate some of your losses.

B: 我们的计价不容许这么做。此外，我们是按你们的要求办理的，所以这不是我们的过错。但鉴于我们良好的伙伴关系，我们准备给你们提供优惠的报盘，借以补偿贵方的一些损失。