保險單據及保險范圍

　　A.保險單據、例如保險單或預約保險項下的保險證明書或者聲明書，必須看似由保險公司或承保人或其代理人或代表出具并簽署。

　　B.如果保險單據表明其以多份正本出具，所有正本均須提交。

　　V.暫保單將不被接受。

　　D.可以接受保險單代預約保險項下的保險證明書或聲明書。

　　E.保險單據日期不得晚于發運日期，除非保險單據表明保險責任不遲于發運日生效。

　　F.i.保險單據必須表明投保金額并以與信用證相同的貨幣表示。

　　ii.信用證對于投保金額為貨特價值，發票金額或類似金額的某一比例的要求，將被視為對最低保額的要求。

　　如果信用證對投保金額未做規定，投保金額或類似金額的某一比例的要求，將被視為對最低保額要求。

　　如果信用證對投保金額未做規定，投保金額須至少為貨物的CIF或CIP價格的110%.

　　如果從單據中不能確定CIF或者CIP價格，投保金額必須基于要求承付或議付的金額，或者基于發票上顯示的貨物總值來計算，兩者之中取金額較高者。

　　iii.保險單據須表明承保的風險區間至少涵蓋從信用證規定的貨物接管地或發運地開始到卸貨地或最終目的地為止。

　　G.信用證應規定所需投保的險別及附加險（如有的話）。如果信用證使用諸如“通常風險”或“慣常風險”等含義不確切的用語，則無論是否有漏保之風險，保險單據將被照樣接受。

　　J.當信用證規定投保“一切險”時，如保險單據載有任何“一切險”批注或條款，無論是否有“一切險”標題，均將被接受，即使其聲明任何風險除外。

　　I.保險單據可以援引任何除外條款。

　　J.保險單據可以注明受免賠率或免賠額（減除除額）約束。

　　Insurance Document and Coverage

　　a. An insurance document， such as an insurance policy， an insurance certificate or a declaration under an open cover， must appear to be issued and signed by an insurance company， an underwriter or their agents or their proxies.

　　Any signature by an agent or proxy must indicate whether the agent or proxy has signed for or on behalf of the insurance company or underwriter.

　　b. When the insurance document indicates that it has been issued in more than one original， all originals must be presented.

　　c. Cover notes will not be accepted.

　　d. An insurance policy is acceptable in lieu of an insurance certificate or a declaration under an open cover.

　　e. The date of the insurance document must be no later than the date of shipment， unless it appears from the insurance document that the cover is effective from a date not later than the date of shipment.

　　f. i. The insurance document must indicate the amount of insurance coverage and be in the same currency as the credit.

　　ii. A requirement in the credit for insurance coverage to be for a percentage of the value of the goods， of the invoice value or similar is deemed to be the minimum amount of coverage required.

　　If there is no indication in the credit of the insurance coverage required， the amount of insurance coverage must be at least 110% of the CIF or CIP value of the goods.

　　When the CIF or CIP value cannot be determined from the documents， the amount of insurance coverage must be calculated on the basis of the amount for which honour or negotiation is requested or the gross value of the goods as shown on the invoice， whichever is greater.

　　iii. The insurance document must indicate that risks are covered at least between the place of taking in charge or shipment and the place of discharge or final destination as stated in the credit.

　　g. A credit should state the type of insurance required and， if any， the additional risks to be covered. An insurance document will be accepted without regard to any risks that are not covered if the credit uses imprecise terms such as “usual risks” or “customary risks”。

　　h. When a credit requires insurance against “all risks” and an insurance document is presented containing any “all risks” notation or clause， whether or not bearing the heading “all risks”， the insurance document will be accepted without regard to any risks stated to be excluded.

　　i. An insurance document may contain reference to any exclusion clause.

　　j. An insurance document may indicate that the cover is subject to a franchise or excess （deductible）。

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