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Quy Tac Chung Ve Bao Hiem Hang Hoa Van Chuyen Bang Duong Bien_PJICO 2008

Quy Tac Chung Ve Bao Hiem Hang Hoa Van Chuyen Bang Duong Bien_PJICO 2008

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Được xuất bản bởitrungtk
Quy tac bao hiem HHVCND
trungtk.pjico1@petrolimex.com.vn
Quy tac bao hiem HHVCND
trungtk.pjico1@petrolimex.com.vn

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CONG " lei p~ AD Ift.

EM PETROLIMEI I'dl DJ PETRDUMEI ,JOINT- STOCK INS'URANGE COMPlNlY

Tru filii chlnh ~ sei 532 Otroflg Ung • D6nQ 0 .. -!-Is. Qi

1 7760667, 7160923, 7760924

Fe (84 4) mi086o. 7163283 Website _w Plica.Cl:Jm 'i

JICO

INSURANCE

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NHA BAO HIEM CHUYEN NGHI~P

IQU lAc CHU

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VIE BAD HIE HANG HOIA

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V • N leHUY BANG DilOlUi 81 'N

HI\. NtJl 2008

QUY T Ac CHUNG vI: BAo HIEM

HANG HOA V ~N CHUYEN BANG DUONG BIEN (Ban hanh kern thea Quyet dinh s6 641/2007/QD-PJICO ngay 26/11/2007 cua T(~ng Giam Dix Cong ty

cd phdn baa hie'm Petrolimex) .

CHU'lTNGI NGUYEN TAc CHUNG

Di~u I

Quy tAc chung nay ap dung cha viec bao hiem hang hoa van chuyen bang duong bien baa gorn gia tri hang hoa, lili iroc tinh neu co, phi baa hiem, eucre phi va cac chi phi khac lien guano Quy tAc nay con co th~ ap dung cho ca viec baa hiern hang hoa van chuyen nbi tiep bang duong bo, duong song hoac duong hang khong,

CHlfaNGII· PH.:\.M VI BAo HIEM

Di~u 2:

1. Hop d6ng baa hiem co th@ diroc ky k~t thea mot trong

nhirng di~u kien sau day:

D·A Id" A leu en :

Thea di~u kien nay, Ngiroi baa hiem chiu trach nhiem v~ moi rui ro gay ra mat mat, hir hong cho hang hoa duoc baa hiem, tnr nhtrng tnrong hop da guy dinh loai tnr a chuang III dum day.

1

lliiu kitn B:

Tnr nhirng twang hop quy dinh loai tnr & chuang III duoi day, theo dieu kien nay, Ngiroi bao hiem chiu trach nhiem d6i voi:

a) Nhiing mat mat, hir hong xay fa cho hang hoa diroc bao hiem co th~ quy hop I}" eho cac nguyen nhan sau day:

Chay hoac no,

Tau hay sa Ian bi mac can, darn hoac J~t up.

Tau dam va nhau hoac tim, sa Jan hay phuong tien v~ "Chuy~n dam va phai bit ky v~t the gi ben ngoai khong k~ mroc.

Da hang tai mot cang noi tau g~p nan,

Phuong tien van tai duong b¢ bi I~t db hoac trat banh,

Dong d<lt, alii lira phun, set danh.

b) Nhtrng mat mat, hu hong xay fa d6i voi hang hoa diroc bao hiem do cac nguyen nhan sau day:

Hy sinh t6n thAt chung

Nern hang khoi tau hoac nuoc cuon khoi tau

Niroc bien, nuoc h6 hay mroc song chay vao tau, sa Ian, ham hang, phuong tien van tai, cong-ten-no hoac noi chua hang.

c) T6n thAt toan b¢ cua bit ky kien hang nao roi ra khoi tau hoac roi trong khi dang x~p hang len hay dang do hang khoi tau hoac sa Ian.

d) Hang hoa diroc baa hiem bj mAt do tau hoac phirong tien cho hang mit tich,

2

lli~u ki~n c:

T nr nhirng truang hop quy dinh loai trir a chuang III dum day, theo dieu kien nay, Ngiroi baa hiem chiu trach nhiem doi voi:

a) Nhtrng mat ma~. hu hong xay ra cho hang hoa diroc bao hiern co the quy hop Iy cho cac nguyen nhan sau day:

Chay hoac n6

Tau hay sa Ian bi mile '{ill, darn hoac lat up

Tau dam va nhau hoac tau. sa Ian hay phuang tien van tai dam va phai bit ky v~t th~ gi ben ngoai khong k& nmrc

Do hang tai m¢t cang noi tau gi,ip nan

Phuong ti~n van tai duong bl} hi l~t db hoac ~t banh,

b) Nhirng mAt mat hir hong xay ra cho hang hoa diroc bao hiern do cac nguyen nhan sau gay ra:

Hy sinh ton that chung Nem hang khoi tau

c) Hang hoa diroc bao hi~m bi mit do tau hoac phuong

ti~n cho hang mAt tich.· .

2. Oil hang hoa ~ugc baa hiern theo dieu kien "A", "B" hay "C" trong m~i tnrong hop, Ngiroi baa hiern con chiu

trach nhiem ve nhtrng t6n that va chi phi sau day: .

a) T?n t~it ohung va ch,i phi ciru hI} diroc dieu chinh hay xac dinh bang hop dong chuyen cho va/hoac thea Iuat phap va ~p, quan hien hanh, da chi ra nh~ tranh hay lien quan den viec tranh khoi ton th~t co th~ xay ra do bat ky nguyen nhan gl trir nhirng truong hop da loai trir tai chuang III cua Quy tAc nay hay nhfrng tnrong

3

hop loai tnr khac quy dinh trong Hop dong bao hiern. Tuy nhien, khi co ton thAt chung Ngiroi diroc bao hiern cfm hoi y kienNgiroi bao hiem tnroc khi ke khai va kyo cam ket ton th,1t chung,

b) Nhirng chi phi va ti~n cong hop Iy rna Ngiroi duoc ~ao hiem, ngiroi lam cong hay d~! I)' c~a ho da chi ra nham phong tranh hoac giam nhe ton that cho hang hoa diroc bao hiern db doi b6i tlnrong va kien nguoi chuycn cho, ngiroi nhan uy thac hang hoa hay nguai, thir ba nao khac voi diSu kien nhirng chi phi va tien cong nay phaidiroc gioi han trong pham vi nhirng ton thit thuoc trach nhiern Ngiroi bao hiem,

c) Nhirng ehi phi hop Iy cho viec do hang. hru kho va gui tiep hang hoa diroc bao hiem tai cang doc duong hay cang lanh nan do hau qua cua mot rui ro thuoc pham vi Hop dong bao hiern.

d) Nlnrng chi phi hop Iy cho viec giam dinh va xac dinh 56 tbn that rna Nmroi bao hiem chiu trach nhiem hoi thuong,

e) Ph~n trach nhiern thuoc di0u khoan "Tau dam va nhau dbi ben cung ~hiu tr~eh nhiern' ghi tro:1g Hop dong v~ chuyen duoc coi nhu mot loai ton that, thuoc pham vi trach nhiern boi thirong cua Ngiroi bao hiem, Truong hop chu tau khieu nai theo di~u khoan do thi Ngiroi duoc bao hiem co trach nhiem thong bao eho Nguoi bao hi€~ bi~t. Ngirci bao hiem danh quyen bao v¢ Nguoi duoc bao hiem, chong lai viec khieu nai cua chu tim va tIJ chiu cac phi ton,

4

Di~u 3:

Trong cac tnrong hop hang hoa duoc bao hiem thea dieu "B" hay "C', neu Ngiroi duoc bao hi~m yeu cau thi Nguai bao hiem co th~ nhan trach nhiem bao hiem them mot hay nhieu loai rui ro phu duoi day voi dieu kien N giroi duoc bao hibm phai tra them phi bao hiem theo thoa thuan:

Rui ro trom cAp va/hoac khong giao hang.

Tbn th,1t do nhirng hanh vi ac y hay pha hoai gay ra.

Hu hai do mroc mira. mroc ngot, do dong hoi mroc va hap hoi nong,

Va d~p phai hang hoa khac. Gi va oxy hoa,

Va, cong va/hoac bep, mop meo. Ro, ri, va/hoac thieu hut hang hoa. Hu hai do moe du hang.

Day ban do d~u va/hoac rna.

Va nhirng rui ro khac nrong tu,

Di~u 4:

Ngiroi bao hiern khong chiu trach nhiem b6i thuong nhtmg m,1t mat, hu hong xay ra cho hang hoa xep tren boong tau trai voi t~p quan thuang mai. Dbi voi hang x~p tren boong phu hop voi t~p quan thirong mai chi co th~ duoc bao hiem thee dieu kien "C".

Di~u 5:

N~u theo t~p quan dia phirong dn phai Slr d1)11g sa Ian hoac cac phuang tien v~n tai khac d~ chuyen cho hang hoa dtroc

5

bao hiem tit tim bi~n vao bo hoac ngiroc lai thi Ngiroi bao hiem cling se chiu trach nhiem d6i voi rui ro v~ sa Ian nhir da ghi trong Dibu 2 Quy t~c nay voi di~u kien N gum duoc bao hiern phai thong bao tnroc cho Ngiroi bao hiern bi~t nhirng thay d6i do va phai nQP them phi bao hiem, Tuy nhien, quy dinh nay kh6ng bao g6m tnrong hop sa Ian dung vao viec chua hang ngoai qua trinh v~ chuyen binh thuong,

CHl/(JNG III LO~I TRif BAo HrEM

Di~u 6:

Tnr khi co thoa thuan khac, Ngiroi bao hiem se khong chiu trach nhiem d6i voi:

1 . Nhfrng mat mat, hu hong hay chi phi gay ra boi:

a) Chien tranh, nQi chien, each mang, khoi nghia, phan loan hoac quan chung n6i day khi xay ra nhirng bien c6 nay hoac do bat ky hanh dong thu dich nao khac cua mot the hrc tham chien hay chong lai th~ hrc do.

b) Viec chiern, bat gitr, d.m gifr tai san hoac kiem che (tnr khi do cirop bien va trong tnrong hop dang ap dung dieu kien "A") va hau qua hay bitt ky mtru toan nao phat sinh nr nhimg S\I vi~c nay.

c) Min, thuy loi, born hay nhirng vii khi chien tranh khac dang troi dat,

2. Nhtrng mat mat hu hong hay chi phi:

a) Nhirng nguoi dinh cong hay cong nhan bi earn xirong gay ra hoac do nhirng nguoi tham gia cac vu gay r6i trong lao dong, lam nao loan hoac bao d¢ng gay ra.

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b) Phat sinh nr nhirng cUQC dinh cong, earn xuong, nhirng V1,l gay r6i trong lao dQng, phan loan hoac bao d¢ng

c) Do bAt ky ke khung b6 nao hoac do bAt ky ngiroi nao dang hanh dong vi mot ly do chinh tri nao gay ra

3. Nhirng mat mat, hu hong hay chi phi phat sinh ill viec sir dung b<it ky mot loai vti khi chien tranh gi co SLe dung nang hrong nguyen nr, hat nhan va/hoac phan irng hat nhan, phong xa hoac tuang tu.

4. Nhirng mAt mat, hu hong hay chi phi do khuyet t~t von co hoac do tinh cha: rieng cua loai hang hoa duoc bao hiem,

5. Hang hoa hay mot b¢ phan cua hang hoa bi hu hai hay bi pha huy co chu tam do hanh d¢ng sai lfun cua bAt ky ngiroi nao gay ra. E>ibm 5 nay khong ap dung trong tnrong hop bao hiem theo di~u kien "A".

Di~u 7:

Trong moi tnrong hop Nguoi bite hiem khong chiu trach nhiem d6i voi:

I. Nhirng mat mat, hu hong hay chi phi duoc quy la do viec lam xAu c6 y cua Ngiroi diroc bao hiem,

2. Nhirng mitt mat, hu hong hay chi phi c6 nguyen nhan tnrc ti~p do cham tr~, du cham tr~ xay ra la do m¢t rui ro duoc bao hiem (trir nhirng chi phi diroc b6i thuong thee di~u 2/2a quy lAc nay).

3. Nhfrng mAt mat, htr hong hay chi phi phat sinh do tau hcac sa Ian khong du kha nang di bien va do tau, sa lan, phuang tien v~ chuyen hoac cong-ten-no khong

7

thich hop cho viec chuyen cho hang an toan neu Ngiroi diroc bao hi~m hay nhirng ngiroi lam c6ng cho ho duoc bi~t rieng v~ trang thai kh6ng du kha nang di hiSn hay khong thich hop do vao thai gian boc x~p hang hoa,

4. Nhirng mat mat, hu hong hay chi phi phat sinh do viec dong goi hoac chuan hi hang hoa diroc bao hick khong dfty du hoac khong thich hQP va do vit;c x~p hang hong len tau,

5. Hang hoa duoc bao hiem bi ro chay thong thuong, hao hut trong hrong hay giarn th6 tich thong thuong hoac hao mon nr nhien,

6. Nhirng mat mat, hir hong hay chi phi phat sinh do chu tau, nguoi quan ly, ngiroi thue hay nguoi di~u hanh tau khong tra duoc nc hoac thieu then v~ tai chinh gay ra.

7. X~p hang qua tai (d6i voi hang cho nguyen chuyen) hoac xep hang sai quy each, khong dam bao an toan cho hang hoa khi van chuyen,

CHlf(JNG IV

BAT BAu vA KET THUC TRAcH NHI~M BAO IDEM

Bi~u 8:

1. Trach nhiem bao hiem bAt d~u co hieu hrc tir khi hang hoa diroc bao hiem roi kho hoac noi chua hang tai dia diem ghi trong Hop dong bao hiem dS bAt dbu v{ill chuyen va tiep tuc co hieu hrc trong su6t qua trinh van chuyen binh thuong, Trach nhiern bao hiem ket thuc tai

8

mot trong s6 cac thai diem sau day. tuy thea tnrong hop nao xay den truce.

a) Khi giao hang vao kho hay noi chua hang cuoi cling cua ngiroi nhan hang hoac cua mot nguoi nao khac tai noi nhan co ghi tren Hop dbng bao hiem .

b) Khi giao hang eho bat ky kho hay noi chua hang nao khac, du tnroc khi toi hay tai noi nhan ghi trong Hop dong bao hiem rna Ngiroi duoc bao hiern chon dung him:

Noi ehia hay phan phoi hang:

- Noi chua hang ngoai qua trinh van chuyen binh thuong;

c) Khi h~t han ·60 ngay sau khi hoan thanh viec do hang hoa bao hiem hoac sa Ian (neu 1.1 tau Lash) khoi tau biSn tai cang do hang cuoi cung ghi tren dan bao hiem

2. N~ll sau khi do hang khoi tau bien tai cang dO' hang cuoi cling, nhung tnroc khi ktt thuc bao hiem, hang hoa duoc gui mot noi nhan hang khong dung voi dia danh nhan hang ghi trong dan bao hiern thi bao hiem nay trong khi giil' nguyen hieu luc, se khong rna rong gioi han qua luc bat dbu van chuyen too mot noi nhan hang khac nhu vay,

3. Trang qua trinh v~n chuyen noi tren, neu xay ra cham tr~ rna Ngiroi diroc bao hiem khong th~ khong ch~ diroc hoac nhirng tnrong hop tau di chech huang, dO' hang bAt bucc, chuyen tai ngoai I~ hoac thay d6i hanh trinh, thi bao hiem nay v~n giil' nguyen hieu luc voi di6u kien phai thong bao ngay cho Ngiroi bao hiem biet vS viec x~y ra hoac thay doi do va phai tra them phi bao hiem neu co yeu cau, Nguoi diroc bao hiem se rn~t quyen doi boi thuong n~u khong dap irng dung yell cau nay.

9

4. Truong hop hanh trinh baa hiem co ca quang van chuyen duong song hay duong b(> thi trach nhiern baa hiem se gioi han a nhtrng rui ro tuong irng voi dieu kien baa hi~m ghi tren don baa hiem hang hai. Truong hop hanh trinh co van chuyen bang dirong hang khong, trach nhiem baa hiem se gioi han thea di~u khoan baa hiem hang hoa van chuyen bAng dirong hang khong cua HQc vien bao hiem Luan Don. Trang t.1t ca cac tnrong hop tren, N gum diroc baa hiem d~u phai thoa thuan tt;Ioc voi N guoi bao hi~m va phai tra them phi baa hiem neu co yeu cau,

CHl/(fNG V

KY KET D(lP DONG BAo DIEM

Di~u 9:

1. Khi co nhu du bao hiem, nguoi co nhu du phai lam gi.1y yeu cau trong do ghi r6 cac dieu khoan sau day:

Ten Nguoi duoc bao hiern.

Ten hang hoa dn duoc baa hiem.

Loai bao bi, each dong goi va ky rna hieu ella hang hoa duoc baa hiern,

Trong iUQ11g hay s6 lUQ11g hang hoa diroc bao hiern. Gia tri hang hoa diroc baa hiem va s6 tibn bao hiem. Ten tau bien hoac Ioai phirong tien van chuyen.

each thirc xep hang duoc baa hiem xuong tim (xep tren boong, dum ham tau, cho rei ..... ).

Noi bat dAu v~ chuyen, chuyen tai va noi nhan hang hoa duoc baa hiern.

10

Ngay, thang phuong tien cho hang dtroc bao hiem bat dAu roi ben,

f)i~u kien baa hiem.

Noi thanh toan boi thirong.

Ngoai fa, ngiroi co nhu d.u bao hiem con phai baa cho Ngiroi bao hiem biet nhirng tinh huong quan trong khac rna ho biet d~ giup cho Nguoi baa hiem phan doan rui roo

N~u khi ky k,~t HQ'p ~6n~ baa hiem, nguoi co n~u dl;! bao hiem chua the cung cap day du nhfrng thong tin can thiet noi tren thi ho co trach nhiern baa tiep cho Ngiroi bao hiern biet nhirng chi ti~t con thieu ngay khi ho duoc bi~t.

2. Hop d6ng bao hiem coi nhu da duoc ky k~t khi ngiroi bao hiem chap nhan baa hiern bang van ban.

Ngiroi bao hiem se can eu vao GiAy yeu cftu baa hiem d6 cAp don bao hiem hoac gi<lY chimg nhan bao hiem.

3. Nguoi diroc baa hiem phai thanh toan phi baa hiem cho Ngiroi bao hiem ngay khi nhan don bao hiern hay gi.1y chirng nhan baa hiem, tnr khi co thoa thuan khac, Trang moi tnrong hop khi hang da vb an toan rna Nguoi diroc bao hiem chua n(>p phi, thi mac nhien khoan phi bao hiem chua n(>p se chuyen thanh khoan no cua Ngiroi dircc baa hiem dbi voi N giroi baa hiem,

4. N~u sau khi Hop dong bao hiem duoc ky k~t rna co b<lt ky S1,£ thay dbi nao v~ rui ro diroc bao hiern, d~c biet neu vi thay d6i do rna lam tang them nguy hi6m thi Nguoi dtroc bao hiem co trach nhiem thong bao cho Ngtroi baa hiem biet nhirng thay dbi do ngay khi ho ducc biet.

Khi nhan dtroc thong bao nay, Ngiroi bao hiem se d.p gidy sua d6i, b6 sung va co the can cir vao S1,£ viec thay

11

d6i do rna yeu cftu Ngiroi duoc bao hi~m tra them phi bao hiem,

Di~u 10:

N~u Nguoi diroc bao hiem khai bao sai hoac giJ.u giem nhtrng diem d~ ra trong giJ.y yeu cau bao hi~m hay nhirng su viec thay d6i aa diroc thong bao cho N gum bao hiem, thi Nguoi bao hi~m duoc mien trach nhiem da quy dinh trong HQ'P d6ng bao hiem rna vitn co quyen nhan phi bao hiem,

Di~u 11:

N~u HQ'P dong bao hi~m duoc ky k~t khi ds. xay ra t6n th.lt trong pham vi trach nhiem cua HQ'P dong thi HQ'P d6ng v.in gift ~gl!yen ~ia tri, neu Ngu?i duoc bao hiem kho~g hay biet gi ve ton that do. Nhirng neu Nguoi duoc bao hiem da biet co t6n th.lt r6i thi Nguoi bao hiem se khong chiu trach nhiem b6i thirong rna v~n co quyen nhan phi bao hiem.

N~u hQP a6ng bao hiem diroc ky k6t khi hang hoa diroc bao hiem dil an toan vb d6n noi nhan ghi trong HQ'P d6ng bao hiem thi HQ'P d6ng v.in giil nguyen gia tri neu Ngiroi bao hiem kh6ng hay biet gi vb viec do. Nhung neu Nguoi bao hiem dil bi6t viec do r6i thi HQ'P d6ng bao hiem se mAt hieu lire va ho phai hoan lai cho N gum diroc bao hiem toan b¢ 56 phi bao hiem rna ho ds. nhan diroc.

Di~u 12:

Dan bao hiem hoac gi.ly chirng nhan bao hiem co the duoc chuyen nhuong cho mot nguoi khac sau khi Nguoi diroc bao hiem h~y dai dien co tham quy~n cua ho ky 6 mat sau dan hoac giay chirng nhan bao hiem,

12

, J

CHUaNG VI

CIA TRI BAO HIEM V A SO TIEN BAO HIEM

Bi~u 13:

I " S6 tien bao hi~m cua hang hoa diroc bao hiern phai la gia tri do Ngiroi dircc bao hiem khai bao va diroc Nguoi bao hiern thira nhan,

2. N~u Ngiroi diroc bao hi~m khong khai bao diroc 56 tien bao hiem thi co the ap dung each tinh gia tri bao hiem nhu sau:

Gia tri bao hiem cua hang hoa diroc bao hi~m bao g6m gia tien hang ghi tren hoa dan ban hang (hoac gia hang thuc t~ tai noi 'giri hang neu khong co hoa dan), cong chi phi v~ chuyen va phi bao hiem,

Di~u 14:

Tnr khi co thoa thuan khac, trong 56 tien bao hiern khai bao, Ngiroi diroc bao hiem co the tinh gop ca tien lai UGC tinh, Tuy nhien tien lai nay khong duoc vuot qua 10% gia tri bao hiem,

Di~u 15:

1. N6u 56 tien bao hiem cua hang hoa thap han gia tri bao hiem thi Ngiroi bao hiem se b6i thuong nhfrng mat mat, hu hong va cac chi phi da quy dinh 6 =. kh?an 2b va 2c cua Dibu 2 Chuang II thee ty I¢ gifra so tien bao hiem va gia tri bao hiem,

2. Neu s6 tibn bao hiem cua hang hoa cao han gia tri bao hiem thi phan cao han do khong duoc thira nhan,

13

CHUaNG VII

BAO HIEM TRUNG V A BAO HIEM GIA TRJ TANG THEM

CHUlING VIII

H(1P DONG BAO HIEM BAO

f)i~u 16:

1. N~u cung mot s6 hang dem bao hiem voi nhieu Ngiroi bao hiem va neu t&ng cua nhirng s6 ti~n bao hi~m .... 'uot qua gia tri bao hiem thi trach nhiern cua tit ca nhtrng Nguoi bao hiem cling chi gioi h<;U1 (] gia tri bao hiem va trach nhiem cua m6i Ngiroi bao hiem duoc tinh theo ty l~ giira s6 tien bao hiem rieng va tong cua nhirng s6 ti~n bao hiem.

N~u trach nhiem bao hiem chua b~t dAu thi Nguoi duoc bao hiem co th~ yeu d.u huy bo Hop d6ng bao hiern hoac giam b61: s6 ti~n bao hiem va doi hoan lai phan phi bao hiem nrong irng, V01 dieu kien trong tnrong hop huy bo Hop dong Ngiroi bao hiem co quyen yeu cAu Ngiroi duoc bao hiem nop thu tuc phi.

2. N~u Nguoi ducc bao hiem tien hanh bao hiem gia tri tang them cho hang hoa phai diroc bao hiem thuoc Hop d6ng bao hiem nay thi gia tri thoa thuan cua hang hoa phai duoc coi nhu da gia tang thanh t6ng s6 tien bao hiem thee hop d6ng bao hiem nay cong voi ult ca cac khoan bao hiem v~ gia tri tang them bao hiem t&n that va trach nhiem thuoc pham vi bao hiem nay phai duoc tinh ty l~ gifra s6 tien bao hiem thuec Hop dang bao hiem nay va tbng s6 ti8n bao hiem noi tren,

Truong hop co khieu nai, Nguoi dUQ"c bao hiem phai cung c§.p cho Nguoi bao hiern bang chimg v~ nhirng s6 tien bao hiem thuoc tit ca cac bao hiem khac.

Di~u 17:

1. Nguoi diroc bao hiem co the ky k~t tnroc voi Ngiroi bao hi~m mot hop d6ng bao hiem bao cho nhirng hang hoa can diroc bao hiern, trong do ghi ro ten hang boa diroc bao hiem, loai tau cho hang, each tinh gia tri bao hiern cua hang, s6 tien bao hiem t6i da cho mbi chuyen hang va di~u kien bao hiern. ty l~ phi bao hiem va nhirng diem lien quan khac da duoc thoa thuan giua hai ben.

2. Khi b~t dAu xep hang len tim hay khi nhan duoc thong bao xep hang; N gU?,i duoc bao hiem pha! thong bao cho Ngiroi bao hiem biet cang som cang tot moi tinh hinh rna Ngirci bao hiern d.n biet, tuy nhien viec thong bao nay khong diroc cham qua sau khi tau b~t dAu do 16 hang dAu tien tai cang d~n cuoi cung ghi tren dan bao hiem,

N~u tnroc khi thong bao rna hang hoa da bj mat mat. hu hong thuoc pham vi bao hiem thi Ngiroi bao hiem v~n co trach nhiem b6i thuong. Ti~n b6i thuong se diroc tinh theo nguyen tic xac dinh gia tri bao hiem nhu da quy dinh trong Hop d6ng bao hiem.

3. N~u Nguo! duoc bao hi€m c6 y khong thong bao hoac thong bao khong kip thoi hay sai lech thi Ngiroi bao hiem co qUYSn ket thuc hop d6ng ngay khi phat hien tinh hinh do va thu toan bQ s6 phi bao hiem phai tra tnroc khi Hop dong k~t thuc.

4. Theo yeu cfiu cua Ngiroi diroc bao hiem, Nguoi bao hiem co th~ cap dan bao hiern hay giAy clurng nhan bao hiem rieng cho tung chuyen hang. N~u noi dung cua

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clnrng nr cap rieng nay khong phil hop voi nQi dung Hop dong bao hiem bao thi se can cir vao clnrng tir dp riena d~ giai quyet. ~

CHl/aNGIX

NGHiA Vl) CVA NGU'OO DUQC BAo HIEM KHI xA Y RA TON THAT

dfu1 cho Nguoi diroc bao hiem tham gia cong viec cuu hQ va bao v~ hang hoa diroc bao hiem,

3. B~t ky bien phap nao noi tren do Nguoi bao hi~m hay Ngiroi dtroc bao hiem tien hanh d@u khong tht coi la d~u hieu khuoc tir hay chap nhan viec ill bo hang hoa,

Di~u 20:

Trong rnoi tnrong hop. Ngiroi diroc bao hi~m hay dai Iy cua ho co trach nhiern dam bao thuc hien va bao luu ddy du cho Nguoi bao hiem quyen khi€u nai dbi voi nguoi chuyen cho, ngiroi nhan uy thac hang hoa hay nguoi thir ba khac. Dac bier, ho can lam thea nhirng quy dinh sau day:

I. Khieu nai ngay ngiroi v~n chuyen, chinh quyen cang hay nhirng nguoi nhan uy thac hang v~ bat ky kien hang nao bi mlit.

2. Yeu du dai dien nguoi chuyen cho hay nguoi nhan uy thac hang tham gia viec chirng kien giarn dinh ngay khi phat hien hang hoa co hien tirong mat mat hoac hu hong va qua giam dinh neu thay thirc t~ co t6n thAt thi phai lap ho sa khi€u nai ho.

3. Tnr khi da co thir khang nghi, trong moi tnrong hop khong duoc cap gi<1y bien nhan hoan chinh cho nhirng hang hoa co hien tuong nghi van,

4. Om gi<1y bao cho dai dien nguoi chuyen cho hay nguoi nhan uy thac hang hoa trong vong 3 ngay sau khi nhan hang neu ton that thuec 10<,1i kho phat hien vao thai gian nhan hang.

Neu Nguoi duoc bao hiern khong thuc hien ddy du nghia V1,l nhu da quy djnh trong dieu nay thi N gum bao hi~m co quyen nr choi nhirng khieu nai thuoc trach

Di~u 18:

Khi xay ra mat mat. hu hong thuoc pharn vi trach nhiern Hop dong bao hiern, Nguoi duoc bao hiem phai thong b~o ngay cho Nguoi bao hiern hay dai ly diroc ho chi dinh den giam dinh, neu Ngiroi bao hiem khong co dai 1y dia phirong thi Nguoi diroc bao hi~m co the yeu cau giam dinh vien co dang ky a noi do den giam dinh.

Tnr khi tnroc do da co mot thoa thuan khac, Ngiroi bao hiem co quyen tu chbi giai quyet mot vu khieu nai khong duoc chirng rninh bang bien ban giam dinh,

Di~u 19:

1. Khi xay ra mat mat, hu hong thuoc pham vi trach nhiem Hop d6ng bao hiem, Ngiroi duoc bao hiem hay dai ly cua ho phai ti~n hanh rnoi bien phap co the thuc hien diroc nham phong tranh hoac giarn nhe t6n that cho hang hoa duoc bao hiem, Ngiroi bao hiem se khong chiu trach nhiern b6i thtrong cho nhtrng mat mat hir hong xay ra do phia Nguoi diroc bao hiem khong chap hanh day du nghia vu cua ho nhu da quy dinh trong dieu nay.

2. Khi xay ra t6n thJ,t thuoc pham vi trach nhiem cua Hop d6ng bao hiem, Ngiroi bao hiem co th~ tv minh hoac chi

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nhiem nguoi chuyen chao ngiroi nhan uy thac hang hoa hay ngiroi thir ba khac,

f)i~u 21:

CHlfaNGX

xAc f),NH TON THAT

2. Khi xay ra mat mat hu hong thuoc pham vi trach nhiem hop d6ng bao hiern, neu hang hoa diroc bao hiern bi pha huy hoan toan hay hu hong nghiem trong toi rmrc khong con la hang hoa voi tinh ch~t ban d~u cua no nita hoac Nguoi duoc bao hiem bj mAt han quyen so hiru hang hoa thi dtroc coi la t6n thAt toan bQ thirc t~.

3. Khi hang hoa diroc bao hiem bi mat mat hay hu hong thuoc 'ph~m vi ~ch nhiem hqp d6~g bao hiem, n~~ xet thay khong the tranh khoi ton that toan bQ thuc te hoac do cac chi phi CUll hang, chi phi chinh Iy va giri hang d~n noi nhan ghi trong Hop dong bao hiem co the virot qua gia tri hang hoa khi toi noi nhan do, thi diroc coi Ia t6n thAt toan b¢ iroc tinh,

4. BAt ky tnrong hop mAt mat hay hu hong nao khong thuoc loai tbn that dii noi (y hai phan tren d~u duoc coi la t6n th.:1t b¢ phan.

f)i~u 23:

NSu tau cho hang hi mat tich thi hang hoa duoc bao hiem se duoc coi la ton thAt toan b¢ thuc teo

Tau cho hang diroc coi la mat tieh kill khong t61 diroc ben den va ciing khong co tin rue gi, v~ thoi gian thi da qua ba lfut quang thoi gian efin thi~t cho tau di nr dia diem dimg lai cu6i cung cho to; Mn den. Tuy nhien, thai gian dn thi& d~ xac dinh viec mAt tich tau khong diroc it hon ba thang, Neu viec thong bao tin tire bi anh huong boi chi~n tranh hoac nhirng hoat dong qUM S1,l thi thoi han noi tren dbi thanh 6 thang,

Khi doi Ngiroi bao hiern b6i thirong v~ nhiing mAt mat hay hu hon~ thuoc trach nhiern Hop d6ng bao hiem, Ngiroi duac bao hiern can nop du giAy to chirng minh, trong do tuy tnrong hop lien quan phai co:

I. Ban c~inh cua Dan bao hiem hoac Giay chirng nhan

bao hiem. .

2. Ban chinh hoac ban sao hoa don giri hang, kern to ke chi tiet hang hoa va/hoac phieu ghi trong hrong.

3. Ban chinh cua van tai dan va/hoac hQ'P dong chuyen cho khac loai,

4. Bien ban, giam dinh va chirng nr tai lieu khac ghi TO rmrc de) ton that.

5. G_iAy .~ien nhan hoac giA~ chirng nhan tau giao hang va phieu ghi trong IU91lg tar noi nhan cuoi cung.

6. Ban sao bao colo hai S1,l va/hoac trich sao nhat ky hang hili.

7. Cong vito ~hu tir trao d6i voi ngiroi chuyen cho va cac ben khac ve trach nhiem cua ho d6i voi t6n that.

8. Thu doi b6i thuong,

f)i~u 22:

1. T6n that toan ,bi? n~i trong quy t~c nay bao g<,;m t6n thAt toan hi? thuc te va ton that toan bi? iroc tinh.

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19

CHU{JNGXI

CACH TiNH vA THANH ToAN BOI THU"ONG

d6ng thai b6i thirong cho Ngiroi dtrcc bao hiern roan bl) 56 tien bao hiem.

Khi thirc hien quyen ella minh da: quy dinh ~ tn~~. Nguoi b~~ hiem phai thong bao cho N guo; diroc bao hiem biet tro~g thoi han 7 ngay k~ tir ngay nhan duoc thong bao cua N gum duq~ MO hiem v€ hiem hoa da xay ra va h~u qua e~ no. Nh~g e~l phi can thi~t va hop ly rna ,Ngu0 dlI<;Y~ baa .hiem ~a C?l tnroc khi nhan diroc thong hie tren !1h~ phong tranh hoac gram nhe t6n th~t 5e duoc N gum bao hiem boi hoan,

Diiu 28:

1. Sau khi kiern tra cac chirng nr co lien qua,: den viec khieu nai do Nguoi diroc .bao hiem giri dC~. va :ac nhan t6n that, N gu6i bao hiern se thanh toan .bOI thuong ch~ Nguoi duoc bao hiern, Ngu~i bao hiem e~i bo~ tmrong sau khi Nguoi duqc. bao .hiem ea thanh .toan P~l bao hiem ddy du tnroc khi t6n that xay ra, tnr khi co thoa thuan khac.

2. Trir khi co thoa thuan khac, vi~c, thanh toan boi thuOTIh' g se duoc giai quyet bing loai tien, guy dinh trong 9P dbng hoac Gifry clnrng nhan bao hiem.

3. Khi thanh roan b6i thtrong, NguiJ! baa hitm co th<b kh~~ trir vao tien b6i thuong cac khoan thu nhap cua Ngiroi diroc baa hi~m trong vice ban hang hoa cuu duoc va doi ngiroi thir ba.

Di~u 24:

Khi hang hoa duoc bao hiem bj ton thftt bl) phan, thi so tien b6i thuong se duoc xac dinh bing thng gia tri hang hoa khi con nguyen ven tnr di tong gia tri hang hoa con lai sau khi da t6n that t<;11 noi nhan hang tren co so ty l~ giira 56 ti6n baa hiem va gia tri bao hiem,

Di~u 25:

Truong hop co t6n that chung lhu¢C pham vi tnkh nhiern Hop d6ng baa hiem thi s6 tien dong goP t6n that chung ella Ngiroi diroc bao hiem se duqc Nguai bao hi~m b6i thu6ng lai d~y duo Tuy nhien, neu 56 ti~n baa hiern cua hang hoa lai thAp han gia trj dong gop t60 thAt chung thi NguiJi bao hiem chi chiu trach nhiern b6i thuong ti€n dong gop ton that chung thee ty 1~ gifra 55 tifn baa hi~rn va gia tri dong gop.

Di~u 26:

Trach nhiem cua Ngiroi baa hiern chi gioi han a s6 tien bao hi~m. Tuy nhien, Nguaj bao hi~m vfut phai chiu trach nhiern voi 56 thn thdt cong voi cac chi phi ciru h{l, phi giam dinh, chi phi danh gia va ban hang hoa tdn th~t, chi phi doi nguoi thir ba b6i thirong va tien d6ng g6p t&n thdt chung, du cho sf, ti~n baa hi~m nhu V?y co th~ virot qua 56 tien baa hiem,

Di€u 27:

Ngiroi baa hiem co quyen duoc mi~n moi trach nhiem quy dinh trong HQ'P d6ng baa hiem bang each khuoc nr quyen loi v~ hang hoa bao hi~m va quyen khieu nai nguoi thir ba.

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CHl/(fNG XlI

CHUYEN QUYEN DOl DOl THUONG

CHU(fNG XIII TUBOHA.NG

Di~u 29:

1 . Sau khi thanh toan boi thirong thee Hop d6ng bao hiem, moi khoan khieu nai va quyen khieu nai cua N gum diroc bao hiem d6i voi nhirng ngiroi thir ba d~u duoc chuyen cho N guoi bao hiem rna gioi han la 56 ti~n da b6i thuong.

Ngay khi nhan duoc s6 tien b6i thuong cua Ngiroi bao hiem, Nguoi duoc bao hiem co trach nhiem chuyen cho Nguoi bao hiem moi tai lieu va bang clurng cua ho va phai lam d~y du thu tuc dap irng yeu cau thirc hien quyen truy doi cua Ngiroi bao hiem,

2. N~u Ngiroi duoc bao hiem be qua quyen doi nguoi thir ba hoac n~u do 16i cua ho rna khong the thirc hien duoc quyen nay (nhu h~t han giri thir khieu nai nguoi chiu trach nhiern v~ t6n that. .... ), thi N giroi bao hiern se diroc mi~n trach nhiem b6i thuong voi mot rmrc dQ thich hop va n~u viec b6i thuong cua bao hiem dii duoc giai quyet thi Nguoi duoc bao hiern co nghia vu hoan lai cho Ngiroi bao hiem mot phan hoac roan bQ 56 tien b6i thuong rna ho dcI nhan diroc, tuy thee tnrong hop cu the.

Di~u 30:

Voi di~u kien phai thirc hien nhfrng quy dinh tren, khi Ngiroi bao hiem b6i thuong mot vu t6n thAt toan bi? co th~ bai thuong tAt cit hoac nguyen mi?t phan hang hoa diroc bao hiem, ho con co quyen thu hai nhirng gi con lai cua phan hang hoa duoc b6i thuong thee hinh tmrc do.

Diiu 31:

1. Truong hop Nguoi duoc bao hiern muon khieu nai t6n thAt toan b6 tree tinh cho hang hoa duoc bao hiem thi ho phai giri thong bao nr be hang eho Ngu~i bao, hiem, N~u khong thirc hien theo quy dinh nay thi ton that duoc giai quyet thee hinh thirc boi thuong ton that b¢ phan,

2. Thong bao nr be hang phai lam bang van ban va trong moi tnrong hop phai cho bi~t y dinh cu~ N guo! duoc bao hiem la nr be khong di~u kien moi quyen loi ve hang hoa diroc bao hiem cho Nguoi bao hiem.

3. Truong hop thong bao tir bo hang duoc gui thee dli?g quy dinh thi quyen khieu nai cua Nguoi diroc bao hier;n khong bi phuong hai boi viec N guoi bao hiem tu choi chip nhan ill be hang. Khi thong bao ur b6 hang dii diroc chip nhan thi viec nr bo hang kh6ng con thay d6i khac ducc.

CHUlJNG XlV NHUNG QUY DINH KHAC

Di~u 32:

Hop d6ng bao hiem khong co hieu luc d6i voi loi ich cua Nguoi chuyen cho, nguoi nhan uy thac hang hoa hay ngiroi bao hiem chay,

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Diiu 33:

Ngiroi diroc bao hiem phai hanh dong khan wong hop I;' trong nhtrng tinh huong co th~ chu d¢ng diroc va Ngiroi bao hiem co quyen tu choi b6i thirong cho nhirng V1,l t6n that phat sinh do Nguoi duoc bao hiem khong hoan thanh nghia vu do.

CHUaNG xv THen msu KHIEU N~]

Diiu 34:

Quyen doi boi thuong cua Ngtroi duoc bao hi~m se h~t hieu luc sau hai nam k~ tu ngay phat sinh quyen do.

CHU(JNG XVI XU L Y TRANH CHAp

Diiu 35:

Boftt ky mot VI,l tranh chap nao co lien quan d~n hop d6ng bao hi~m rna khong giai quyet duoc bang hinh thirc thirong luong giira Ngiroi diroc bao hiem va Ngiroi bao hiem d~u phai chuyen toi Trung tam trong tai QU6e t~ Vi~t Nam hoac Tea kinh t~ Viet Nam c6 thdm quyen thee phap lu~t Vi~t Nam hien hanh.z.

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