游艇保险讲稿.ppt

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Yacht Insurance 游艇保险 讲演人 Presented by: Tommy Ho (Aon HK) Steve Huang (Aon China Mainland) Apr/ 2012 1 2 内容 Content  介绍 Introduction  关于怡安 About Aon  为什么我们需要游艇保险？Why we need Yacht Insurance?  什么是游艇保险 What is Yacht Insurance?  保险条款 Policy Wording  保险索偿/理赔 Claims  个案研究 Case Studies  问答时间 Questions and Answers 3 Aon Corporation怡安集团 Business: Headquarter: Aon Listing: Aon Offices: Aon Operates in: No. of Staff: Aon is #1 in: Fortune 500 Ranking (2010): Aon Center, Chicago Leading global provider of risk management consulting, insurance & reinsurance brokerage, and human capital consulting services Chicago, US New York Stock Exchange (Trading Symbol: AON) 500 120 countries 60,000 worldwide Retail broking and Risk Consulting Reinsurance broking Captive management Human capital consultancy 298 4 关于怡安保险 / About Us 中怡保险经纪有限责任公司 / 怡安保险顾问有限公司 Aon-COFCO Insurance Brokers Co., Ltd / Aon Hong Kong Ltd 怡安公司总部设在美国芝加哥，是世界上领先的集风险管理咨询、保险经纪和再保险经纪、人力资源 咨询与外包服务为一体的综合性集团公司。我们的关键优势是对影响当今世界经济形势最重要的两大 核心因素——风险与人才，具有深刻的认识。怡安在全球120多个国家设有500多个办事机构，员工总 数59，000余人，基于此，使得我们可以预见一个地区的变化对其它地区的影响。 Our key advantage is our broad view of two of the most important issues in our economy today: risk and people. With an employee base of 59,000 people working in over 500 offices in more than 120 countries, we can anticipate how changes in one sector impact another. 5 关于怡安保险 / About Us (con’t)  中怡保险经纪有限责任公司(Aon-COFCO Insurance Brokers Co., Ltd.)成立于2003年11月，是首 家获准在中国境内从事保险、再保险经纪和风险管理咨询业务的中外合资保险经纪公司。合资双方 为美国怡安保险(集团)公司(简称“怡安集团”:全球最大的保险经纪公司和再保险经纪公司)和中粮集 团有限公司(简称“中粮集团”:中国政府直接管理的国有重要骨干企业之一，世界500强)。 中怡目前拥有上海、北京、广州、南京、成都五家分公司，超过300名雇员，具备完善的全国服务网络  Aon-COFCO Insurance Brokers Co., Ltd was established in November, 2003. We are the first licensed international insurance and reinsurance broking and risk management consulting company in China. Our two investors are Aon Corporation, the largest insurance broker, and reinsurance broking company in the world, and China National Cereals, Oils & Foodstuffs Corporation (COFCO), one of the state-owned backbone enterprises under the direct administration of the Chinese central government, Fortune 500 Company since 1994. Aon- COFCO now has 5 branches in Shanghai, Beijing, Guangzhou, Nanjing, and Chengdu. Over 300 employees are serving our clients and provide a nation-wide service network 6 关于怡安保险 / About Us (con’t)  游艇风险团队Yacht Division 我們的遊艇專家遍佈香港、倫敦、鹿特丹、紐約及佛罗里达州，通過這些地點，本團隊得以打入全球 所有的保險市場，體貼地關注客戶在不同地方的服務需要。 With yacht specialists in Hong Kong, London, Rotterdam, New York and Fort Lauderdale, we have a global reach that allows us to access all insurance markets to ensure we are offering a global approach with local service to our clients. 在怡安香港，我们已经安排超过1,000船只的游艇保险 We arranged insurance cover for over 1,000 units of yacht by Aon HK. 同时，我们还为皇家香港游艇会，白沙湾游艇会，香港航海训练学校，和香港帆船运动总会安排 保险事宜（包括了财产险，责任保险，活动取消保险）。 We also arranged insurance cover for Royal Hong Kong Yacht Club, Hebe Haven Yacht Club, Hong Kong Sea School and Hong Kong Sailing Federation. 7 为什么游艇须要保险? Why does the yacht needs insurance? 8 为什么游艇须要保险? Why does the yacht needs insurance? 9 10 为什么游艇须要保险? Why does the yacht needs insurance?  法律要求 Required by law  Mandatory Third Party Liability Insurance 强制性第三者责任保险  Requested by port authority & marina 港口当局或者游艇会的要求 为什么游艇须要保险? Why does the yacht needs insurance? 11 12 为什么游艇须要保险? Why does the yacht needs insurance?  贵重资产保障 Valuable asset protection 为什么游艇须要保险? Why does the yacht needs insurance? 13 14 什么是游艇保险What is Yacht Insurance?  游艇建造期 From the build of the yacht  游艇建造保险 Builders Risks Insurance  游艇从船厂运给船主 From Shipyard to Owner  游艇运输保险 Yacht Cargo Insurance  船主自己掌控下的风险 The owner’s risk  船壳和机械上的风险 Hull and Machinery Insurance  扩展保障 Additional Cover  竞赛风险Racing Risk  个人意外 Personal Accident  个人财物 Personal Effects  租船( 连船长) Skipper Charter  第三者责任保险 Third Party Liability Insurance  标准保单 Standard  船东协会保赔保险 P&I  船员保险 Crew Insurance  主要保障 Main Coverage:  物质损失和建造期间的第三者责任 Property damage and liability cover during yacht construction. 15 游艇建造期保险 Yacht Builders Risks Insurance 游艇建造期保险 Yacht Builders Risks Insurance 16 游艇建造期保险Yacht Builders Risks Insurance 17  主要保障 Main Coverage:  运送游艇过程(包括海陆空方式) 发生的游艇的物质损失Physical damage to, or loss of yacht whilst in transit by land, sea or air.  保险期间从航程启程开始一直延续到游艇到达目的地放进水中,包括在原产地和目的地国家的 装卸,拖带,仓储(如有需要) From time of commencement of voyage to time of discharge into the water at the destination, including loading / unloading and tow / storage in the country of origin and destination, if required. 18 游艇运输保险Yacht Cargo Insurance 游艇运输保险Yacht Cargo Insurance 19 游艇运输保险Yacht Cargo Insurance 20 21 第三者责任保险Third Party Liability Insurance Coverage  保障范围Coverage :  游艇或船主或船员对第三者的法律责任，这个责任包含人员伤害和财产损失Legal liability of the yacht and/or owner and/or crew to third parties. This include personal injury and/or property.     保障USD500,000,000 污染Pollutions 船员Crew 罚款和罚金 Fine and Penalties 22 船东互保协会保赔保险P & I Clubs  P. & I. Clubs 船东互保协会（SHIPOWNERS MUTUAL ASSURANCE ASSOCIATION）。船东互保协会规定承保范围，它由船东组成，意图为可能承 担的责任范围提供金融保障 船壳和机械设备保险 Hull & Machinery Insurance  主要保障Main Coverage : – – – – 船壳和机械Hull and Machinery 附属小艇及设备Tender and equipment 电子和导航设施Electrical and Navigational 偷窃Theft – 救助费用Cost of the salvage of the yacht – 清除游艇残骸费用Cost of removing the wreck of the yacht – 第三者责任Third Party Liability 23          Collision 碰撞 Sinking 下沉 Fire 火灾 Theft 盗窃 Accident Damage 意外损毁 Typhoon Damage 台风损毁 Lightning 雷电击中 Third Party Liability Included 已包括第三者责任保险 Etc…其他 24 综合保险(全保) Comprehensive Cover 25 一般除外责任Common Exclusions  不适航 Failure to maintain the yacht in seaworthy condition  恶意破坏或者正常损耗Loss caused by malicious act, wear and tear  船尾机,船上用具被盗, 除非该物品安置在锁好的柜子或储物室内Theft of any outboard motor, vessel’s gear / equipment unless at the time of the theft it was inside a locked cabin / storage compartment  帆被风吹烂Sails split by the wind  损失由竞赛/速试/试航造成 Cause in racing / speed tests / trials in connection  没有在发动机舱/发动机位置安装自动灭火系统情况下的船上着火或者爆炸 Fire or explosion on board if the engine room / engine space without fire extinguish system 26 船壳和机械设备保险Hull & Machinery Insurance Coverage Con’t  扩展条款Additional Cover: – 战争险War Risks – 竞赛险Racing Risks – 个人物品Personal Effects – 带船长的租船Skipper Charter 27 船员保险Crew Insurance  主要保障Main Coverage :  死亡Death  截肢或是眼睛失明Loss of limb /eye  永久性残废Permanent total disablement  医疗费用Medical Expenses  紧急救助 Emergency Services 船员保险Crew Insurance 28 29 保单种类 Policy Forms  协会游艇保险条款1985年11月1日 Institute Yacht Clauses (1/11/85)  ―All Risks‖ - Underwriter’s Standard Wording (Tailor Made)  R12 – All Risks Cover 30 协会游艇保险条款1985年11月1日 Institute Yacht Clauses (1/11/85) Named Perils Wording (指定保险单)  PERILS  危险条款  Subject always to the exclusions in this insurance  本保险受制于下列除外条件  This insurance covers loss of or damage to the subject-matter insured caused by  本保险承保下列原因造成的保险标的损失或损害  Perils of the seas rivers lakes or other navigable waters  海上、江河、湖泊或其它可航水域的危险  Fire  火灾 31 协会游艇保险条款1985年11月1日 Institute Yacht Clauses (1/11/85) Named Perils Wording (指定保险单)  Jettison  抛弃  Piracy  海盗  Contact with dock or harbour equipment or installation, land conveyance, aircraft or similar objects or objects falling therefore  与码头、港口设备或装置、陆上运输工具、航空器或类似装置及从其上跌落的物体的接触  Earthquake volcanic eruption or lighting  地震、火山爆发或闪电 协会游艇保险条款1985年11月1日 Institute Yacht Clauses (1/11/85) Named Perils Wording (指定保险单)  and, provided such loss or damage has not resulted from want of due diligence by the Assured Owners or Managers, the insurance covers  如果此种灭失或损害并非由于被保险人、船东、或管理人未谨慎处理所致，本保险承保：  Loss of or damage to the subject-matter insured caused by  由于下列原因引起的保险标的的灭或损害：  Accidents in loading, discharging or moving stores, gear, equipment, machinery or fuel  在装卸或移动备用品、船具、设备机器或燃料过程中的意外事故  Explosions  爆炸  Malicious acts  恶意行为 32 协会游艇保险条款1985年11月1日 Institute Yacht Clauses (1/11/85) Named Perils Wording (指定保险单)  Theft of the entire Vessel or her boats, or outboard motors provided it is securely locked to the Vessel or her boats by an anti-theft device in addition to its normal method of attachment, or, following upon forcible entry into the Vessel or place of storage or repair ,theft of machinery including outboard motors, gear or equipment  偷窃整艘船舶或其救生艇、或其舷外挂机，若其在通常的连接方式之外，通过某种防盗装置安全地 锁定在船上或其救生艇上，或经强行进入船内或积载或检修场所，偷窃机器设备包括舷外挂机、船 具或设施  Loss of or damage to the subject-matter insured, excepting motor and connections (but not strut shaft or propeller) electrical equipment and batteries and connections, caused by  除了发动机及其接管（但不包括轴架或推进器）电器设备及电池接线之外，由于下列原因所致的保险 标的的灭失或损害  Latent defects in hull or machinery, breakage of shafts or bursting of boilers (excluding the cost and expense of replacing or repairing the defective part broken shaft or burst boiler)  船壳或机器的潜在缺陷，尾轴断裂或锅炉破裂（不包括更换或修理有缺陷的零部件，断裂的尾轴，破 裂的锅炉本身的费用或花费） 33 协会游艇保险条款1985年11月1日 Institute Yacht Clauses (1/11/85) Named Perils Wording (指定保险单)  The negligence of any person whatsoever, but excluding the cost of making good any defect resulting from either negligence or breach of contract in respect of any repair or alteration work carried out for the account of the Assured and / or the Owners or in respect of the maintenance of the Vessel.  无论任何人的过失，但不包括修复任何缺陷的费用（此种缺陷是由于对有关被保险人或船东履行其 任何修理或更换工作或有关船舶保养维修工作的过失或违约所致） 34 35 保单种类 Policy Forms  All Risks Policy (一切险)  一切险保单保障所有除外责任以外的风险，列明风险的保单只是保障列明的风险All risks will pay any claim unless it is specifically EXCLUDED in the policy whereas the named perils wording will only pay a claim unless it is specifically covered in policy wording.  船底检查Bottom inspections  紧急救助费用Emergency Expenses  （对方）未买保险的船只Uninsured Boaters  预防措施Precautionary Measures  法律诉讼费用Defense Coverage (根据保单条款约定Depend the policy wording) 36 Super Yacht 37 Super Yacht 38 保险公司所需资料Material Facts required by insurers               船主或船长航海经验 Owner’s / Captain Sailing Experience 投保额 Value / Sum Insured 游艇类型 Type of Yacht 登记港口Port of Registry 船厂Builder 船龄Year Built 船壳物质 Material of Hull 长度和宽度 Length and Beam 发动机和动力Engine make and Horsepower 最高设计速度Maximum Design Speed (MDS) 赔偿历史Claim Record 停泊地Mooring Place 航海范围Cruising limit 船员数目Numbers of Crew 39 保险索偿/理赔 Claims 40 保险索偿/理赔 Claims 41 保险索偿/理赔 Claims 42 常見的索偿/理赔 Common Claims  搁浅Grounding  闪电Lightening  与浮动物或其他游艇相撞Collision with Floating Objects / other yacht  火灾Fire 43 索偿/理赔情序 Claims Procedure  How does insurer handle the claim, especially large claim? 当理赔时, 尤其是重大的赔偿时, 保险公司会如何处理?  Find a reputable insurance company with strong capacity 找一家信誉良好及财力稳健的保险公司  Does your insurance broker have enough knowledge to handle a claim? 你的保險中介經紀有否足夠的能力應付申索?  How to present your claim? Which surveyor will they appoint? 你应如何申索赔偿? 保险公司会聘用那些考察员?  Consult your insurance broker 请向你的保险经纪查询 44 45 多谢！Thank You! 问题？ Do You Have Any Questions?