Norwegian marine insurance plan.docx

Norwegian marine insurance plan.docx

《Norwegian marine insurance plan.docx》由会员分享，可在线阅读，更多相关《Norwegian marine insurance plan.docx（144页珍藏版）》请在冰点文库上搜索。

Norwegianmarineinsuranceplan

PARTONE RULESCOMMONTOALLTYPESOFINSURANCE

Chapter1.  Introductoryprovisions

§ 1-1.

Definitions

ForthepurposesofthisPlan

（a）

theinsurer（assurandøren）meansthepartywhounderthetermsofthecontracthasundertakentograntinsurance,

（b）

thepersoneffectingtheinsurance（forsikringstageren）meansthepartywhohasconcludedtheinsurancecontractwiththeinsurer,

（c）

theassured（sikrede）meansthepartywhoisentitledundertheinsurancecontracttocompensationorthesuminsured.Inliabilityinsurancetheassuredisthepartywhoseliabilityfordamagesiscovered,

（d）

loss（tap）meansfinanciallossofanykind,includingtotalloss,damage,lossofearnings,costsandliability,

（e）

particularloss（partikulærttap）,particulardamage（partikulærskade）etc.meansloss,damageetc.,whichisnotrecoverableingeneralaverage.

§ 1-2.

Policy

Whenthecontractisconcluded,thepersoneffectingtheinsurancemayrequirethatapolicybeissued.Thepolicyshallconfirmthatacontracthasbeenenteredintoandshallrefertotheconditions.Iftheinsurerwishestoinvokeconditionswhicharenotsetoutinthepolicyorincorporatedinitbyreference,hehastheburdenofprovingthatthepersoneffectingtheinsurancewasawareoftherelevantconditionandthatitwasapplicable.

Thepersoneffectingtheinsurancemustraiseanyobjectionstothecontentofthepolicywithoutunduedelay.Ifhefailstodoso,thepolicyshallbeconsideredapproved.

§ 1-3.

Contractsenteredintothroughabroker

Ifthepersoneffectingtheinsuranceinstructsabrokertotakeoutaninsurance,thebrokershallsendhimawrittendraftoftheinsurancecontractforhisapproval.

Theapproveddraftshallbesubmittedtotheinsurerwhoshall,intheeventofagreement,issueawrittenconfirmationtothebrokertotheeffectthattheinsurancecontracthasbeenenteredintoonthebasisoftheprovisionscontainedinthedraft.

Thebrokershallthereafterissueanidenticalconfirmationtothepersoneffectingtheinsurance.Ifthepersoneffectingtheinsurancehasobjectionstothecontentoftheinsuranceconfirmation,hemustraisethesewiththebrokerwithoutunduedelay.Ifhefailstodoso,theinsuranceconfirmationshallbeconsideredapproved.

Ifthepersoneffectingtheinsurancerequiresthatapolicybeissuedinaccordancewith§1-2above,thebrokershallassistintheissuingofsuchapolicy.Ifthebrokerissuesapolicyonbehalfoftheinsurer,thepolicyshallexplicitlystatethatithasbeenissuedbythebrokerontheauthorityoftheinsurer.Thebrokerdoesnototherwisehavetherighttoactonbehalfoftheinsurerwithoutwrittenauthority.

§ 1-4.

ReferencetoNorwegianjurisdictionandchoiceoflaw

IfinsurancebasedonthisPlaniseffectedwithaNorwegianleadinginsurer,itisagreedthat:

（a）

legalproceedingsconcerninganymatter,disputeordisagreementofanykind,whichmayariseduringorinconnectionwithorwhichinanywayconcerntheinsurancecontract,mayonlybeinstitutedinNorwaybeforeNorwegiancourtsandonthebasisofNorwegianlaw,andNorwegianlawshallapplyexclusively,

（b）

theinsurer（s）maynotbesuedbeforeanyothercourts,

（c）

theinsurer（s）mayonlybesuedinthevenuewheretheleadinginsurer’sheadofficeislocated.

Theprovisionsinparagraph1maynotbedepartedfromwithoutthewrittenconsentoftheinsurer（s）.

IfinsurancebasedonthisPlaniseffectedwithaforeignleadinginsurer,itisagreedthatNorwegianlawshallapply,andthattheco-insurersmaybesuedinthevenueoftheleadinginsurer.

§ 1-5.

Insuranceperiod

Unlessotherwiseagreed,theinsurer’sliabilityattacheswhenthepersoneffectingtheinsuranceortheinsurerhasapprovedtheconditionsstipulatedbytheotherparty.

Iftheinsurer'sliabilityundertheagreementattachesonacertaindaywithoutanyindicationoftime,liabilitycommencesat0000hours.Ifaninsuranceremainsineffectuntilacertaindaywithoutanyindicationoftime,liabilityceasesat23:

59:

59hours.ThetimeshallbebasedonUTC.

Theinsuranceterminatesonexpiryoftheagreedinsuranceperiod,unlessthepartiesagreetorenewit.Intheeventofrenewal,theconditionsthenagreedshallapply.Theprovisionin§1-2aboveshallapplycorrespondingly.

Ifithasbeenagreedthattheinsuranceshallattachforaperiodlongerthanoneyear,theinsuranceperiodshallneverthelessbedeemedtobeoneyearinrelationto§2-2,§2-11,§5-3,lastparagraph,§5-4,paragraph3,§6-3,paragraph1,§12-2,§16-4,paragraph2,and§16-14.

Chapter2.  Generalrulesrelatingtothescopeoftheinsurance

Section1    Insurableinterestandinsurablevalue  

§ 2-1.

Insuranceunrelatedtoanyinterest

Acontractconcerninginsurancewhichdoesnotrelatetoanyinterestisvoid.

§ 2-2.

Insurablevalue

Theinsurablevalueisthefullvalueoftheinterestattheinceptionoftheinsurance.

§ 2-3.

Assessedinsurablevalue

Iftheinsurablevaluehasbyagreementbetweenthepartiesbeenfixedatacertainamount-assessedinsurablevalue（takst）-theinsurermaydemandtohaveitsetasideonlyifthepersoneffectingtheinsurancehasgivenmisleadinginformationaboutcharacteristicsofthesubject-matterinsuredthatarerelevantfortheassessment.

If,duetomarketfluctuations,thevalueoftheinterestinsuredhaschangedsignificantlyaftertheinsurancecontractwasenteredinto,bothpartiesmayrequirethattheassessedinsurablevaluebechangedbygivingfourteendays’notice.

Ifthepartiesdisagreeastowhethertheconditionsforchangingtheassessedinsurablevalueaccordingtoparagraph2arefulfilled,thequestionshallbesubmittedforfinaldecisiontoaNordicadjustertobechosenbytheassured.

§ 2-4.

Under-insurance

Ifthesuminsuredislowerthantheinsurablevalue,theinsurershallonlycompensateaportionofthelosscorrespondingtotheproportionthatthesuminsuredbearstotheinsurablevalue.Ifavaluationhasbeensetasideinaccordancewith§2-3,paragraph1,above,itshallneverthelessberegardedastheinsurablevaluewhentheruleinthisparagraphisapplied.

§ 2-5.

Over-insurance

Ifthesuminsuredexceedstheinsurablevalue,theinsurershallonlycompensatethelossuptotheinsurablevalue.

Iftheinterestisover-insuredwithfraudulentintent,thecontractisnotbindingontheinsurer.

§ 2-6.

Liabilityoftheinsurerwhentheinterestisalsoinsuredwithanotherinsurer

Iftheinterestisinsuredagainstthesameperilswithtwoormoreinsurers,eachofthemisliabletotheassuredinaccordancewiththeirrespectivecontractsuntiltheassuredhasreceivedthefullcompensationtowhichheisentitled.

Ifoneoftheinsurershasdisclaimedliabilitywheretheinterestisalsoinsuredwithanotherinsurer,heshallonlybeliabletotheextentthattheassuredhasnotobtainedcoverwithotherinsurers.

Ifalloftheinsurershavedisclaimedliabilitywheretheinterestisalsoinsuredwithanotherinsurer,therulescontainedinparagraph1shallapply.

§ 2-7.

Recoursebetweentheinsurerswheretheinterestisinsuredwithtwoormoreinsurers

Iftheinterestisinsuredagainstthesameperilswithtwoormoreinsurers,thetotalamountofcompensationshall,intherecoursesettlement,beapportionedonthebasisoftheamountsforwhicheachinsurerwasliable.

Ifalloftheinsurershavedisclaimedliabilitywheretheinterestisalsoinsuredwithanotherinsurer,therulescontainedinparagraph1shallapply.

Iftheassuredisentitledtorecovercostsincurredtopreventorminimiselossfromaninsurer,thatinsurershall,totheextentofhisliability,bearthefullamountofsuchcostsintherecoursesettlement.Thisappliesevenifalltheinsurershavedisclaimedliabilitywheretheinterestisalsoinsuredwithanotherinsurer.

Section2    Perilsinsuredagainst,causationandloss  

§ 2-8.

Perilscoveredbyaninsuranceagainstmarineperils

Aninsuranceagainstmarineperilscoversallperilstowhichtheinterestmaybeexposed,withtheexceptionof:

（a）

theperilscoveredbyaninsuranceagainstwarperilsinaccordancewith§2-9,

（b）

interventionbyaStatepower.AStatepowerisunderstoodtomeanindividualsororganisationsexercisingpublicorsupranationalauthority.MeasurestakenbyaStatepowerforthepurposeofavertingorlimitingdamageshallnotberegardedasanintervention,providedthattheriskofsuchdamageiscausedbyaperilcoveredbytheinsuranceagainstmarineperils,

（c）

insolvency,

（d）

perilscoveredbytheRACEIIclause:

1.ionisingradiationsfromorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwasteorfromthecombustionofnuclearfuel,

2.theradioactive,toxic,explosiveorotherhazardousorcontaminatingpropertiesofanynuclearinstallation,reactororothernuclearassemblyornuclearcomponentthereof,

3.anyweaponordeviceemployingatomicornuclearfissionand/orfusionorotherlikereactionorradioactiveforceormatter,

4.theradioactive,toxic,explosiveorotherhazardousorcontaminatingpropertiesofanyradioactivematter.Theexclusioninthissub-clausedoesnotextendtoradioactiveisotopes,otherthannuclearfuel,whensuchisotopesarebeingprepared,carried,sto