Air cargo transport is a complex economic activity with high cost and high risk。When the insurance company is insured, the appropriate diversification and transfer of business risks in advance is an effective means to prevent and reduce the loss of international air transportation accidents。At the same time, it is beneficial to the shipper, and the consignee is guaranteed to obtain compensation for losses。
It can be said that the development of international air transport is inseparable from the development of air transport insurance。Air transport needs aviation insurance to promote air transport and bring its own development。
1.Aviation insurance。
Aviation insurance refers toInternational air transportRelated various aviation or ground losses are the general term for various types of insurance。Initially, aviation insurance is handled by the insurer's Marine or accident department。
With the rapid development of the world aviation industry, all large insurance companies in the world have independent aviation insurance departments, specializing in all kinds of aviation insurance。
This is also determined by the technical characteristics of aviation insurance, because the insurer who underwrites aviation insurance must be familiar with aviation expertise and knowledge of aviation law。
There are many types of aviation insurance, which are mainly divided into the following types according to the different insured:
First, with the air carrier as the insurer, including fuselage insurance, loss of use value insurance, passenger and baggage statutory liability insurance, cargo and parcel statutory liability insurance, aircraft third-party liability insurance。In addition, there are additional insurance, war and strike insurance。
(2) Legal liability insurance for owners or operators of organic places where the owner or operator is the insured。
Third, with the aircraft manufacturer as the insured, there is product liability insurance。In addition, air passengers and crew can be insured against personal accident。
Under normal circumstances, aviation insurance only refers to air transport insurance, and air transport insurance belongs to inland transport insurance。
In the international insurance market, air transport insurance usually attaches an aviation clause to the Marine transport policy。In addition, there are so-called "air all risks" clauses。
In other words, there are two basic types of international air transport insurance: air transport liability insurance and international air transport All Risks。Air transport insurance is in principle applicable to land and air insurance。However, Marine insurance shall be supplemented by Marine insurance clauses and aviation insurance clauses。
The contents of air transport insurance generally include the following。
(1) Scope of insurance liability。Includes losses caused by fire, aircraft collision, aircraft crash, and other Marine insurance for all hazards except those not suitable for the aviation insurer。
(2) Exclusion of liability。Other liabilities, such as loss or damage due to delays in transport, defects in cargo, climate change, and losses caused by war, are excluded from aviation insurance, except for persons who are not eligible for aviation insurance。
(3) Coverage period。The period of coverage of the air insurance insurer is: the time of delivery from the carrier to the destination of delivery of the subject matter insured, up to 48 hours after the destination of delivery。
(4) Insurance compensation。After the conclusion of the aviation insurance contract, if the insured property is lost due to an insured accident, it shall immediately submit a notarized compensation application to the airline。Any claim made by the insurer shall be accompanied by a copy and photocopy of the above-mentioned claim and submitted to the insurer for inspection。Once verified, it is indeed the insurer's responsibility, and compensation shall be made in accordance with the agreement。