Insurance policy original wording

General conditions applicable to all sections of this policy

The terms and conditions of the various sections and/ or sub-sections of this policy shall supersede those set forth in these general conditions wherever the same may con­flict.

DEFINITION OF THE ASSURED

Only the following are included in the definition of the «Assured» under this policy. —

(a) the named Assured,

(b) the named Assured's subsidiary, owned or controlled
companies as their respective right and interest may
appear,

(c) any person or entity to whom the Assured is obliged
. by virtue-of a written contract entered into before

any relevant Accident or occurrence, to provide in­surance within the coverage afforded by this policy. Said person or entity shall be covered only to the extent of such obligation of the Assured and then only in respect of products manufactured by or op­erations carried out by or on behalf of the Assured or of facilities of the Assured or of facilities used by the Assured,

(d) additional Assureds, other than as provided for in b)
or c) above, which have been declared and accepted
by Insurers at the inception date of this policy,

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

 

(е)

(О

any officer, director, stockholder, partner or employ­ee of an Assured, but only in respect of a claim made against him in his capacity as such, such additional percentage of any joint venture, op­eration or partnership where the Assured is required by written contract to provide insurance for any other partner in the joint venture and which has been de­clared to and accepted by Insurers at the inception date of this policy,

(g)

(h)

any person or entity that would otherwise fall under b), d), or f) above but for which the named Assured first seeks coverage after the inception date and during the period of this policy, will automatically be covered her-eon subject to the retroactive date, where applicable, for such person or entity being the date from which coverage is required and provided satisfactory advice and full information is received by Insurers from the first named Assured of such additional person or entity within 45 days after the date such coverage is required. Insurers reserve the right to charge such additional pre­mium and/or impose such specific terms, conditions and exclusions upon any person or entity covered un­der this paragraph g) as Insurers think fit, any subsidiary or affiliated company insured under b), d), f)> or g) above which ceases to be a subsidiary or affiliated company, but only in so far as such former subsidiary or affiliated company does not have any other insurance.

Loss Payee: Losses and returns of premiums payable to the Company or order.

DUE DILIGENCE

It is a condition of this insurance that the Assured shall exercise due care and diligence in the conduct of all oper­ations covered hereunder, utilizing all safety practices and

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equipment generally considered prudent for such opera­tions, and in the event any hazardous condition develops with respect to an insured property, the Assured shall at its sole expense make all reasonable efforts to prevent the occurrence of a loss insured hereunder.

4. DEFENCE

Insurers shall not be called upon to assume the han­dling or control of the defense or settlement of any claim made against the Assured but Insurers shall have the right, but not the duty, to participate with the Assured in the defense or settlement of any claim which may be indem-nifiable in whole or in part.

Insurers will pay any defense expenses incurred after exhaustion of the Deductible/ Excess, provided the prior written consent of Insurers is obtained before those de­fense expenses are incurred and subject to Insurers' limits of liability.

5. SUBROGATION OF RIGHTS AND WAIVER OF
SUBROGATION

The Insurers shall be subrogated to the extent of any payment hereunder to all the Assured's rights of recovery, and the Assured shall do nothing after loss to prejudice such rights and shall do everything necessary to secure such rights.

However, the Insurers shall not have the right to be sub­rogated to or to require assignment of the Assured's right or rights of recovery against:

A. any party with whom the Assured has effected con­tracts or agreements customary to the conduct of the busi­ness of the Assured and under which the Assured may have assumed liability or granted releases therefrom, without Prejudice to this Policy, provided such contracts or agree­ments, written, insofar as they effect any loss hereunder, ^are concluded prior to such loss;

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

В. any of the Assureds under this Policy, or their direc­tors, officers, stockholders, partners or employees.

BANKRUPTCY AND INSOLVENCY

In the event of the bankruptcy or insolvency of the As­sured or any entity comprising the Assured, the Insurers shall not be relieved thereby of the payment of any claims recoverable hereunder because of such bankruptcy or in­solvency.

SALVAGE AND RECOVERIES

It is understood and agreed that in the event of any payment hereunder, Insurers will act in concert with all other interests (including the Assured) concerned, in the exercise of rights of recovery or gaining of salvage. Any net salvages, recoveries or payments (except other insurance carried by or on behalf of the Assured) recovered or re­ceived subsequent to a loss settlement under this insur­ance shall be applied as if recovered or received prior to such settlement and all necessary adjustment shall then be made between the Assured and the Insurers hereunder, provided always that nothing in this Condition 7. shall be construed to mean that losses under this insurance are not recoverable until the Assured's loss has been finally ascer­tained.

NOTICE OF CANCELLATION

Notwithstanding that this policy is for a period of 36 months, it may be cancelled by either the Insurers or the Assured giving sixty (60) days notice to take ef­fect from the time of the anniversary of the inception of this Insurance. Notice is deemed given at each anni­versary.

The Insurers may agree however to continue this Insur­ance subject to agreement between the Insurers and the As-

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sured prior to the expiry of siach notice of cancellation as to rate of premium and/or conditions and/or warranties.

In the event of cancellation of this Insurance by reason of the operation of this clause, a net return of any premi­um paid to the Insurers in respect of the period subsequent to such cancellation shall be payable to the Assured.

PREMIUM PAYMENT CLAUSE

The Assured undertakes that premium will be paid in full to Insurers within 75 days of inception of this policy (or, in respect of instalment premiums, when due).

If the premium due under this policy has not been so paid to Insurers by the 75th day from the inception of this policy (and, in respect of instalment premiums, by the date they are due) Insurers shall have the right to cancel this policy by notifying the Insured via the broker in writ­ing. In the event of cancellation, premium is due to Insur­ers on a pro rata basis for the period that Insurers are on risk but the full policy premium shall be payable to Insur­ers in the event of a loss or occurrence prior to the date of termination which gives rise to a valid claim under this policy.

It is agreed that Insurers shall give not less than 15 days prior notice of cancellation to the Insured via the broker. If premium due is paid in full to Insurers before the notice period expires, notice of cancellation shall automatically be revoked. If not, the policy shall automatically termi­nate at the end of the notice period.

Unless otherwise agreed, the Leading Insurer, (and Agreement Parties if appropriate) are authorized to exer­cise rights under this clause on their own behalf and on behalf of all Insurers participating in this contract.

If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

not affect the other provisions of this clause, which will remain in full force and effect.

Where the premium is to be paid through a London Market Bureau, payment to Insurers will be deemed to occur on the day of delivery of a premium advice note to the Bureau.

ERRORS OR OMISSIONS

Coverage provided by this Policy shall not be preju­diced by any unintentional and/or inadvertent:

A. incorrect description; and/or

B. error in the name or title of the Assured.

However, nothing contained within this clause shall op­erate to override any warranty and/or specific discovery/ reporting provisions contained elsewhere in this Policy.

SEVENTY-TWO HOURS CLAUSE

The terms «Occurrence» wherever used herein, shall mean an event or a continuous exposure to conditions, which cause sudden and accidental physical loss or physi­cal damage as covered under this Section of the Policy. All physical loss or physical damage resulting from a common cause or from exposure to substantially the same condi­tions shall be deemed to result from one Occurrence.

i) EARTHQUAKE SHOCK

As respects the peril of earthquake, the term «Occur­rence» shall mean the sum total of all losses sustained by the Insured during any period of seventy-two (72) hours commencing during the term if this Policy,

ii) FLOOD

As respects the peril of flood, the term «Occurrence» shall mean the sum total of all losses sustained by the Insured during any period of seventy-two (72) hours commencing during the term if this Policy;

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iii)WINDSTORM

As respects the peril of windstorm, the term «Occur­rence» shall mean the sum total of all losses sustained by the Insured arising out of the same atmospheric dis­turbance during any period of seventy-two (72) hours commencing during the term if this Policy; iv) STRIKES, RIOTS, CIVIL COMMOTION

As respects the perils of riot, riot attending a strike and civil commotion, the term «Occurrence» shall mean the sum total of all losses sustained by the Insured which occur during any period of seventy-two (72) hours commencing during the term if this Policy;

Should any «Occurrence» referred to above extend be­yond the expiration date of this Policy and commence prior to the expiration, the Insurers shall pay all losses occurring during such period as if such period fell en­tirely within the term of the Policy. The Insurers shall not be liable, however, for any loss caused by any «Occurrence» commencing before the effective date and time or after the expiration date and time of this Policy.

a. The term «earthquake shock», wherever it is used
in this Policy shall mean earthquake, volcanic erup­
tion, shock, tremor, landslide, subsidence, sinkhole
collapse, tsunami, mudflow or rock fall or any other
earth movement, and shall not include any ensuing
loss, damage or destruction resulting from other per­
ils insured;

b. The «flood», wherever it is used in the Policy, shall
mean waves, tide or tidal water or the rising (includ­
ing the overflowing or breaking of boundaries) of
lakes, ponds, reservoirs, rivers, harbors, streams, wa­
ter channels or other bodies of water, whether or not
driven by wind.

С. А. Семка, В. В. Сдобников, С. Н. Чекунова

с. The term «windstorm», wherever it is used in this Policy, shall mean all tornadoes, cyclones, hurricanes or similar storms and systems of winds of violent and destructive nature.

OTHER INSURANCE

Where the Assured is (are), irrespective of this policy, entitled to reimbursement or indemnity, in whole or in part, by any other insurance in respect of any costs and/ or expenses and/or liability for which the Assured would otherwise have been entitled to reimbursement or indem­nity by Underwriters under this policy, there shall be no contribution or participation as respects such Assured by Underwriters under this policy on the basis of excess, con­tributing, deficiency, concurrent or double insurance or otherwise for such costs and/or expenses and/or liabili­ties, or part thereof, for which the Assured is (are) enti­tled to reimbursement or indemnity from such other in­surance.

INSPECTION AND AUDIT

Insurers shall be permitted, during normal business hours, to inspect the Assured's premises and operations, and to examine and audit the Assured's books and records directly pertaining to the subject matter of this insurance and any claim arising therefrom.

NOTICE OF LOSS

The Assured shall, upon knowledge of any loss (es) or occurrence (s) which may give rise to a claim recoverable hereunder, advise the Reinsurers hereof (via the Reassured and JLT Risk Solutions Ltd) as soon as practicable.

It is understood and agreed that the Assured will notify of loss (es) or Occurrence (s) in accordance with the above clause unless in their opinion, it seems likely that the

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amount of loss or damage will not exceed the applicable Policy deductible (s).

The Assured shall further, as soon as practicable after the loss or damage or such further time as Insurers may allow on their behalf, deliver:

a. a claim, in writing, for the loss and/or damage con­
taining as particular an account as may be reasonably
practicable of all property damaged or destroyed and
of the amount of the loss or damage thereto respec­
tively, having regard to their value at the time of loss
or damage, not including profit of any kind; and

b. particulars of all other insurances, if any.

The Assured shall also at all times and at his own ex­pense produce, procure and give to Insurers all such fur­ther particulars, plans, specification, books, vouchers, invoices, duplicates or copies thereof, documents proofs and information with respect to the claim and the origin and cause of the loss, damage, liability or expense and the circumstances under which the loss or damage oc­curred.

ARBITRATION AND SUIT

* In the event that the Assured and Insurers shall fail to agree as to any matter as respects this Policy: A. As a first step, the decision shall be left to a single arbi­trator, if the parties can agree on a single arbitrator. Failing such agreement, each shall, on the written de­mand of either, select a competent and disinterested arbitrator, one to be appointed by the Assured and one to be appointed by Insurers.

The arbitrators then together shall first select a com­petent and disinterested umpire, and failing for fif­teen (15) days to agree upon such umpire then at the request of the Assured or Insurers, such umpire shall be selected by a judge of an English court having gen-

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

eral jurisdiction in the area which includes the address of the Assured. The arbitrators together shall then de­cide the issue or issues and failing to agree shall submit their differences only to the umpire. An award in writing of any two amongst the arbitrators and the umpire when filed with Insurers shall deter­mine the issue or issues. Each arbitrator shall be paid by the party (ies) selecting him and the expenses of arbi­tration and of the umpire or single arbitrator, if any, shall be paid equally by the Assured (fifty percent (50 %)) and Insurers (fifty percent (50 %)). B. Notwithstanding the above provision A., in the event that the Assured and Insurers shall still have dispute under this Policy, this Policy shall be subject to Russian law and practice but shall be subject to English jurisdiction. No suit or action on this insurance for the recovery of any claim shall be sustainable in any court of law or equity unless the Assured shall have fully complied with all the requirements of this insurance, and unless com­menced within twenty four (24) months after the time a cause of action for the loss accrues, provided, howev­er, that where such limitation of time is prohibited by Russian law and practice, then and in that event, no suit or action under this insurance shall be sustained, unless commenced within the shortest time limitation permitted under such law and practice.

EXTENDED EXPIRATION

If this Policy should expire or be cancelled while an Occurrence or Accident giving rise to a loss recoverable under this Policy is in progress, it is understood and agreed that said loss, subject to all other terms and conditions and the limit of liability will be covered under this Policy as if the entire loss had occurred prior to such expiration or can­cellation.

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CLAUSE PARAMOUNT (ADDENDUM 42B) AND BUYBACK

Addendum 42B

Notwithstanding anything to the contrary contained in this insurance, there shall be no liability for any claim caused by, resulting from, or incurred as a consequence of:

A. i. the detonation of an explosive; and/or
ii. any weapons of war,

and caused by any person acting maliciously or from a

political motive;

or,

B. any act for political or terrorist purposes of any persons,
and whether or not agents of a sovereign power, wheth­
er the loss, damage or expense resulting therefrom is
accidental or intentional.

Buyback

Notwithstanding the provisions of Addendum 42 В above and subject to the terms and conditions to which reference is made below, this Policy shall indemnify the Assured in respect of any loss, damage or expense that.would be recoverable under this Policy but for the exist­ence of the Clause Paramount (Addendum 42B) contained above.

CANCELLATION, AUTOMATIC TERMINATION,

SUSPENSION AND AMENDMENT OF TERMS

i. Amendment of terms

Coverage as afforded by this extension may be cancelled by the Insurers giving notice effective on the expiry of forty eight (48) hours from midnight Greenwich Mean Time on the day on which notice is issued. Insurers agree however to reinstate the coverage as afforded by this

_ __ extension subject to agreement between Insurers and

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

the Assured prior to the expiry of such notice of cancel­lation as to new rate of premium and/or conditions.

ii. Notice of Cancellation

Coverage as afforded by this extension may also be can­celled by the Insurers or the Assured giving notice not less than forty eight (48) hours prior to the end of each period of three months from inception.

iii. Automatic Termination

Whether or not such notice of cancellation has been given, the coverage afforded by this extension shall TERMINATE AUTOMATICALLY

a. upon the outbreak of war (whether there be a decla­
ration of war or not) between any of the following:
United Kingdom, United States of America, France,
the Russian Federation, and the People's-Republic of
China;

b. in respect of any vessel, in connection with which
cover is granted hereunder, in the event of such vessel
being requisitioned either for title or use.

iv. Suspension

The coverage afforded by this extension shall be sus­pended in respect of the property concerned in the event of the property being appropriated, requisitioned or confiscated by any authority or government (whether civil, military or de facto) of the state in which the prop-' erty is owned or registered.

v. Provided that there have been no claims hereunder, pro rata return of premium shall be payable to the Assured in the event either of cancellation by notice from In­surers or of automatic termination or suspension by rea­son of clauses iii. and/or iv. above.

vi. Held Covered Clause

In the event of the interest being requisitioned for title or use, or confiscated, nationalized, pre-empted or oth­erwise appropriated wholly or in part, this insurance

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shall continue to cover the contingent liability of the Assured in respect of the coverage provided under the Policy for a period of fourteen (14) days after such event. Thereupon the insurance shall terminate unless there be prior agreement by the Insurers to continue.

18. WAR AND CIVIL WAR EXCLUSION CLAUSE

Notwithstanding the provisions of the Clause Para­mount (Addendum 42B) and Buyback, or anything to the contrary contained herein, and in respect of all prop­erty whilst onshore, whilst permanently fixed to the sea­bed or on structures permanently fixed to the sea-bed, this Policy does not cover loss or damage directly or indi­rectly occasioned by, happening through or in conse­quence of:

A. war, invasion, acts of foreign enemies, hostilities (whe­
ther war be declared or not), civil war, rebellion, revo­
lution, insurrection, military or usurped power, or con­
fiscation or nationalization or requisition or destruc­
tion of or any damage to property by or under the order
of any government or public or local authority; or

B. arrest, restraint or detainment under quarantine regu­
lations or byreason of infringement of any customs reg­
ulations.

ATTACHMENT: MARINE CARGO

INSTITUTE CARGO CLAUSES

RISKS COVERED

1 This insurance covers all risks of loss of or Risks damage to the subject matter insured ex- Clause cept as provided in Clauses 4,5,6 and 7 be­low.

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

2 This insurance covers general average and General
salvage charges, adjusted or determined Average
according to the contract of affreightment Clause
and/or the governing law and practice, in­
curred to avoid or in connection with the
avoidance of loss from any cause except

those excluded in Clauses 4, 5, 6 and 7 or elsewhere in this insurance.

3 This insurance is extended to indemnify «Both
the Assured against such proportion of li- to Blame
ability under the contract of affreightment Collision»
«Both to Blame Collision» Clause as is in Clause
respect of a loss recoverable hereunder. In

the event of any claim by shipowners un­der the said Clause the Assured agree to notify the Underwriters, who shall have the right, at their own cost and expense,to defend the Assured against such claim.

EXCLUSIONS

4 In no case shall this insurance cover General
4.1 loss damage or expense attributable to Exclusions
wilful misconduct of the Assured Clause
4.2ordinary leakage, ordinary loss in

weight or volume, or ordinary wear and tear of the subject-matter insured

4.3 loss damage or expense caused by in­sufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 «pack­ing» shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment

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of this insurance or by the Assured or their servants)

4.4 loss damage or expense caused by in­
herent vice or nature of the subject-mat­
ter insured

4.5 loss damage or expense proximately
caused by delay, even though the delay be
caused by a risk insured against (except
expenses payable under Clause 2 above)

4.6 loss damage or expense arising from
insolvency or financial default of the own­
ers managers charterers or operators of the
vessel

4.7 loss damage or expense arising from
the use of any weapon of war employing
atomic or nuclear fission and/or fusion or
other like reaction or radioactive force or
matter.

5.1 In no case shall this insurance cover loss Unseawor-
damage or expense arising from unseawor- thiness and
thiness of vessel or craft, unfitness of ves- Unfitness
sel craft conveyance container or Iiftvan Exclusion
for the safe carriage of the subject-matter Clause
insured, where

the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.

5.2 The Underwriters waive any breach of
the implied warranties of seaworthiness of
the ship and fitness of the ship to carry the
subject-matter insured to destination, un­
less the Assured or their servants are privy
to such unseaworthiness or unfitness.

С. Л. Семко, В. В. Сдобников, С. К Чекунова

6 In no case shall this insurance cover loss War
damage or expense caused by Exclusion
6.1 war civil war revolution rebellion in- Clause
surrection, or civil strife arising therefrom,

or any hostile act by or against a belliger­ent power

6.2capture seizure arrest restraint or de-tainment (piracy excepted), and the con­sequences thereof or any attempt thereat 6.3 derelict mines torpedoes bombs or other derelict weapons of war

7 In no case shall this insurance cover loss Strikes
damage or expense Exclusion

7.1 caused by strikers, locked-out work- Clause
men, or persons taking part in labour dis­
turbances, riots or civil commotions

7.2 resulting from strikes, lock-outs, la­
bour disturbances, riots or civil commo­
tions

7.3 caused by any terrorist or any person
acting from a political motive.

DURATION

8 8.1 This insurance attaches from the time Transit
the goods leave the warehouse or place of Clause
storage at the place named herein for the
commencement of the transit, continues
during the ordinary course of transit and
terminates either

8.1.1 on delivery to the Consignees' or oth­
er final warehouse or place of storage at
the destination named herein,

8.1.2 on delivery to any other warehouse
or place of storage, whether prior to or at

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the destination named herein, which the Assured elect to use either

8.1.2.1 for storage other than in the or­
dinary course of transit or

8.1.2.2 for allocation or distribution, or
8.1.3 on the expiry of 60 days after com­
pletion of discharge overside of the goods
hereby insured from the oversea vessel at
the final port of discharge,
whichever shall first occur.

8.2 If, after discharge overside from the
oversea vessel at the final port of discharge,
but prior to termination of this insurance,
the goods are to be forwarded to a desti­
nation other than that to which they are
insured hereunder, this insurance, whilst
remaining subject to termination as pro­
vided for above, shall not extend beyond
the commencement of transit to such oth­
er destination.

8.3 This insurance shall remain in force
(subject to termination as provided for
above and to the provisions of Clause 9 be­
low) during delay beyond the control of
the Assured, any deviation, forced dis­
charge, reshipment or transhipment and
during any variation of the adventure aris­
ing from the exercise of a liberty granted
to shipowners or charterers under the con­
tract of affreightment.

If owing to circumstances beyond the con- Termination

trol of the Assured either the contract of of Contract

carriage is terminated at a port or place of Carriage

other than the destination named therein Clause

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

 

I

or the transit is otherwise terminated be­fore delivery of the goods, as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is giv­en to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an addi­tional premium if required by the Under­writers, either

9.1 until the goods are sold and delivered
at such port or place, or, unless otherwise
specially agreed, until the expiry of 60 days
after arrival of the goods hereby insured at
such port or place, whichever shall first oc­
cur,

or

9.2 if the goods are forwarded within the
said period of 60 days (or any agreed ex­
tension thereof) to the destination named
herein or to any other destination, until
terminated in accordance with the provi­
sions of Clause 8 above.

10Where, after attachment of this insur- Change ance, the destination is changed by the of Voyage Assured, held covered at a premium and Clause on conditions to be arranged subject to prompt notice being given to the Under­writers.

CLAIMS

1111.1 In order to recover under this insur- Insur able

ance the Assured must have an insurable Interest

interest in the subject-matter insured at Clause
the time of the loss.

 

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11.2 Subject to 11.1 above, the Assured shall be entitled to recover for insured loss oc­curring during the period covered by this insurance, notwithstanding that the loss oc­curred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.

12Where, as a result of the operation of a risk Forwarding covered by this insurance, the insured tran- Charges sit is terminated at a port or place other Clause than that to which the subject-matter is covered under this insurance, the Under­writers will reimburse the Assured for any extra charges properly and reasonably in­curred in unloading, storing and forward­ing the subject-matter to the destination to which it is insured hereunder. This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not > include charges arising from the fault neg­ligence insolvency or financial default of the Assured or their servants.

13 No claim for Constructive Total Loss shall Construc- be recoverable hereunder unless the sub- the ject-matter insured is reasonably aban- Total doned either on account of its actual total Loss loss appearing to be unavoidable or be- Clause cause the cost of recovering, recondition­ing and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

14 14.1 If any Increased Шие insurance is ef- Increased fected by the Assured on the cargo insured Value herein the agreed value of the cargo shall be Clause deemed to be increased to the total amount insured under this insurance and all In­creased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall pro­vide the Underwriters with evidence of the amounts insured under all other insurances. 14.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Wue insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall pro­vide the Underwriters with evidence of the amounts insured under all other insurances.

BENEFIT OF INSURANCE

15 This insurance shall not inure to the bene­fit of the carrier or other bailee.

MINIMISING LOSSES

16It is the duty of the Assured and their serv­ants and agents in respect of loss recovera­ble hereunder 16.1 to take such measures as may be rea-

Not

To Inure Clause

Duty

Of Assured

Clause

 

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sonable for the purpose of averting or min­imising such loss, and

16.2 to ensure that all rights against carri­ers, bailees or other third parties are prop­erly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.

17 Measures taken by the Assured or the Un­
derwriters with the object of saving, pro­
tecting or recovering the subject-matter
insured shall not be considered as a waiver
or acceptance of abandonment or other­
wise prejudice the rights of either party.

AVOIDANCE OF DELAY

18 It is a condition of this insurance that the
Assured shall act with reasonable despatch
in all circumstances within their control.

LAW AND PRACTICE

1 9This insurance is subject to Russian law and practice and English jurisdiction.

NOTE:

It is necessary for the Assured when they be­come aware of an event, which is «held cov­ered» under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.

Waiver Clause

Reason­able

Despatch Clause

Law and Practice Clause

 

 

⁶ Зак. 5274

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

КОММЕНТАРИЙ И СЛОВАРЬ

Вышеприведенные общие положения договора страхования представляют собой выдержку из типово­го страхового договора страхового общества Ллойд, ис­пользованного в страховании проекта Сахалин 1. В приложении приведены стандартные оговорки Ин­ститута Лондонских Страховщиков, которые являют­ся типовыми и используются во всем мире аналогич­но базисным условиям Инкотермс.

1. supersede — отменять, заменять собой (о законе по отношению к другому закону). ' 2. controlled company — контролируемая (подконт­рольная, часто — аффилированная компания). Ком­пания, в которой компания инвестор держит более 15 % акций, необходимых для участия в общем собра­нии акционеров и влияния на решения, принимаемые управлением компании.

3. by virtue of a contract — (by virtue or operation of
law) — в силу, на основании договора (в силу, на осно­
вании закона). Возможные синонимы — by operation
of contract/of law.

4. retroactive date — (страх.) дата, имеющая обрат­
ную силу; ретроактивная дата.

5. premium (insurance premium) — (страховая) премия
(возможные варианты сокращений — РМ; pm; Prii;
Ргет.). Тариф или расценка, по которым страхователь
производит выплаты в пользу страховщика (страховой
компании), отражающие меру в денежном выражении
ожидаемого возникновения убытка вследствие наступ­
ления страхуемого риска или опасности; страховая
компания принимает на себя риск страхователя (на­
пример, продолжительность жизни, утрата здоровья,
повреждение или гибель имущества или риск ответ­
ственности) в обмен на уплачиваемую премию.

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6. due diligence clause — положение о должной ос­
мотрительности (надлежащей осторожности); поло-
жжение договора о страховании, оговаривающее обяза­
тельство застрахованного имущества (владельца стра­
хового интереса) принимать все необходимые меры
безопасности для обеспечения сохранности застрахо­
ванного имущества, а также для того, чтобы избежать
причинение вреда третьим лицам. Также — осторож­
ность (осмотрительность), разумно ожидаемая от, и
соблюдаемая лицом, которое требует получения воз­
мещения в результате наступления страхового случая.

7. deductible/excess — франшиза. Сумма доли убыт­
ка, которую оплачивает сам застрахованный по иску,
предъявляемому страховой компании. Соответствен­
но deductible clause — оговорка в договоре страхования,
освобождающая страховщика от обязанности возме­
щения ущерба в случаях, если ущерб составляет опре­
деленный процент от страховой суммы. Чаще всего в
страховых договорах используется так называемая ус­
ловная франшиза — franshise deductible — условие, со­
гласно которому убытки по страховому возмещению
не выплачиваются до тех пор, пока сумма убытка не
превосходит фиксированную сумму или заданный
процент от суммы действующей страховки; после того,
как сумма убытка превосходит сумму условной фран­
шизы, страховая компания выплачивает 100 % по тре­
бованию о возмещении убытков. От условной фран­
шизы следует отличать обычную франшизу (иногда —
абсолютную франшизу) — straight deductible/flat
deductible — оговорки, определяющей фиксирован­
ную сумму или процент от суммы убытка, которые не
оплачиваются страховщиком.

8. subrogation — суброгация. Право страховщика на
получение какой-либо суммы из тех денег, которые
страхователь получает, используя свои права на воз-

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

мещение от третьей стороны; тем самым снижается убыток страховщика и предотвращается возможность того, чтобы страхователь получил сумму, превышаю­щую полное возмещение по страховому случаю; иног­да по условиям страхового полиса страховщику пере­дается право предпринимать юридические действия против третьей стороны, которая несет ответствен­ность за ущерб, причиненный страхователю. Соответ­ственно, оговорка о суброгации — subrogation clause — раздел (обычно в полисах имущественного страхова­ния и страхования ответственности), в котором стра­ховщику передаются права страхователя предприни­мать юридические действия против третьей стороны, ответственной за убытки страхователя, которые опла­чиваются страховой компанией.

9. waiver — отказ от прав; отказ от законного права
действовать; документ об отказе от прав. Например,
оговорка об отказе прав на суброгацию — waiver of
subrogation rights clause — приложение к полису стра­
хования имущества и ответственности за ущерб иму­
ществу третьей стороны, с помощью которого стра­
ховщик отказывается от права предпринимать акты су­
дебного преследования в отношении третьей сторо­
ны за убытки, понесенные страхователем.

10. recovery — (1) утилизация. Использование стра­
ховой компанией поврежденного имущества, полу­
ченного ею в результате абандона и спасения имуще­
ства при морских катастрофах, а также в результате
суброгации и перестрахования. (2) возврат. Любая де­
нежная сумма, снижающая сумму понесенных убыт­
ков за счет средств, вырученных от утилизации или
реализации спасенного при несчастном случае или
аварии имущества. При этом восстановительная ого­
ворка — recovery clause — условие, согласно которому
ответственность страховщика за сумму выплачиваемо-

Учебник коммерческого перевода. Английский язык

^-0 страхового возмещения может быть восстановлена три условии уплаты дополнительной премии с этой суммы. Абандон (следует различать два возможных употребления термина) — (1) abandon — (морск. страх.) — акт отказа от прав на владение судном или его грузом в пользу страховой компании (обычно пос­ле выплаты страхового возмещения за полную гибель); (2) abandonment — отказ страхователя от прав на заст­рахованное имущество в пользу страховщика; (морск. страх) передача права собственности на судно или его груз страховщику после оплаты страхового возмеще­ния за полную гибель; или отказ грузополучателя от принятия поставленного товара или груза (обычно из-за неприемлемо сильного повреждения). При этом оговорка об абандоне — abandonment clause — условие договора морского страхования, дающая страховате­лю право отказаться от утраченного или поврежден­ного имущества в пользу страховщика и все-таки по­требовать полной выплаты страхового возмещения.

11. prejudice — (1) вред, ущерб/наносить ущерб, вред,
причинять вред (правам, интересам); (2) преюдиция/
создавать, устанавливать преюдицию (синонимы —
collateral estoppel; issue preclusion; prejudgment; prejudicial
effect). В этом значении возможны следующие слово­
сочетания: fair prejudice — предубеждение при наличии
повода; in prejudice of — в ущерб, во вред; to prejudice a
trial — придать судебному рассмотрению дела предвзя­
тый характер; to unduly prejudice — предубеждать, со­
здавать предвзятость при отсутствии к тому повода;
without prejudice — без ущерба (для); не предрешая окон­
чательного разрешения вопроса; без предубеждения,
Нелицеприятно, беспристрастно, объективно.

12. stockholder— участник; лицо, имеющее право
требования на активы компании. В качестве такого
Лица выступают акционеры — shareholders — которые

С. А. Семко, В. В. Сдобников, С. Н. Чекунова

имеют право на получение дивидендов и прочих вып­лат из распределенной прибыли, а также кредиторы — creditors — которые предоставляют средства в виде кре­дитов, займов и т. д., для финансирования активов компании. При этом, следует иметь в виду, что пре­тензии акционеров на активы компании в результате, например, ее ликвидации, имеют второстепенный или субординированный (subordinated) характер, т. е. удов­летворяются после выплаты сумм, причитающихся кредиторам.

13. bankruptcy— банкротство, процедура банкрот­
ства. Государственная процедура признания должни­
ка несостоятельным; результатом является освобож­
дение от долгов или их реструктуризация и принуди­
тельная реорганизация или ликвидация предприятия
с целью выплаты задолженности перед кредиторами.
Следует различать вынужденное банкротство — invo­
luntary bankruptcy — инициируемое кредиторами, и
добровольное банкротство — voluntary bankruptcy —
инициируемое самим должником. Банкротство следу­
ет отличать от неплатежеспособности — insolvency, —
т. е. неспособности оплачивать обязательства, финан­
совой несостоятельности, которые могут привести
либо к объявлению банкротства, либо к реструктури­
зации задолженности.

14. loss settlement — погашение убытков; выплата
страхового возмещения по наступлении страхового
случая.

15. occurrence — наступление страхового случая.

16. override — лишить юридического действия;
иметь преимущественное юридическое действие; от­
вергать, не принимать во внимание; превышать; дей­
ствовать вопреки; преобладать, доминировать.

17. attend — (здесь) сопровождающий, сопутству­
ющий.

Учебник коммерческого перевода. Английский язык

18. reinsurance — перестрахование. Форма страхова­
ния, которое страховая компания приобретает для сво­
ей собственной страховой защиты путем разделения рис­
ка с другими страховыми компаниями; страховая ком­
пания, выступающая в роли перестрахователя (reinsu­
red), снижает свой максимально возможный убыток пу­
тем передачи, т. е. цедирования (to cede, cession), доли
совей финансовой страховой ответственности другой
страховой компании, т. е. перестраховщику (reinsurer).

19. JLT Risk Solutions Ltd. — международный бро­
кер компании Ллойд, признанный лидер в сфере стра­
хования, перестрахования и финансировании риска.

20. umpire — посредник, третейский судья; суперар­
битр.

21. Paramount clause — оговорка «Парамаунт»; усло­
вие коносамента о превалирующем значении нацио­
нального законодательства, принятого в соответствии
с Брюссельской конвенцией 1924 г. о коносаментных
перевозках;

22. Held covered clause — оговорка о сохранении стра­
хового покрытия.

УПРАЖНЕНИЯ

Переведите на русский язык.

То supercede, by virtue of, inception date, stockholder,
coverage, due diligence, exhaustion of deductible, net sal­
vage, pro rata basis, valid claim, to exercise one's rights, over­
ride, hours clause, umpire, extended expiration, occurrence,
buyback, de facto, title, affreightment, constructive loss,
abandon, general average. ^i- •■

■qn 2;.