一般來說，保險(xiǎn)條款涉及的內(nèi)容有保險(xiǎn)金額、投保險(xiǎn)別、保險(xiǎn)費(fèi)、保險(xiǎn)單證和保險(xiǎn)適用條款等。在報(bào)價(jià)單、合同中撰寫保險(xiǎn)條款，或者在和客戶進(jìn)行保險(xiǎn)條款磋商時(shí)，業(yè)務(wù)員應(yīng)該注意區(qū)分保險(xiǎn)責(zé)任在哪一方。在以 f 組、e組和c組中的 cfr (cost and freight，成本加運(yùn)費(fèi))和cpt (carriage paid to,運(yùn)費(fèi)付至)成交的合同中，保險(xiǎn)條款可撰寫為“保險(xiǎn)由客戶自理”(insurance: to be covered by the buyer)。在以 d 組貿(mào)易術(shù)語成交的合同中，保險(xiǎn)條款可撰寫為“保險(xiǎn)由賣家自理。”(insurance: to be covered by the seller)。 在以cif (cost insurance and freight,成本加保險(xiǎn)費(fèi)加運(yùn)費(fèi))或 cip(carriage and insurance paidt，運(yùn)費(fèi)加保險(xiǎn)付至)成交的合同中，若運(yùn)輸方式為海洋運(yùn)輸，則保險(xiǎn)條款可撰寫為“由賣家按發(fā)票金額的 110%保x x x險(xiǎn)，以中國人民保險(xiǎn)公司x年x月x日的有關(guān)海洋運(yùn)輸貨物保險(xiǎn)條款為準(zhǔn)。”(to be covered by the seler for 110% of invoice value against xxx risk and xxx risk as per the relevant ocean marine cargo clauses of the people's insurance company of china 值得注意的是，即使由賣家投保，也屬于賣家代理買家投保，保險(xiǎn)費(fèi)的負(fù)拍方實(shí)際為買家。
(三)常用的國際貨物運(yùn)輸保險(xiǎn)條款的撰寫
常用的表述如下。
( 1) please cover us on the goods detailed below
(2) please hold us covered for the cargo listed on the attached sheet.
(3) please effect insurance for my account of usd 55000 on my goods against all risks from hong kong to this city and at the lowest premium possible not exceeding 10%
(4) we usually effect insurance against all risks and war risk for the invoice value plus 10% for the goods sold on cif basis.
( 5) we will effect insurance against all risks, as requested, charging premium and freight to the consignees.
(6) the cargo is to be insured warehouse to warehouse against all risks.


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