近日大部分国际保赔协会发布通函宣布:受俄乌冲突对全球再保险市场的影响,其固定保费业务的再保险人从2023年1月1日零时起,将不再为俄乌战争所引起的所有战争风险提供再保险支持。受此影响,各国际保赔协会也不得不签发相应的取消通知。以下几点特别提醒大家注意:
取消通知自格林尼治标准时间2023年1月1日零时起正式生效。
取消通知适用于非互助性业务,包括但不限于租家责任险、固定保费性质的保赔险以及在互助保险基础上的Non-Poolable的扩展及附加险种。
取消通知不适用于互助性质的保赔险和抗辩险,以及互助性质的船壳战争险和保赔战争险。
取消通知适用于上述第2条所涉及的保单中作为被保险人或共同被保险人的任何个人或公司。
简而言之:
目前在国际保赔协会所投保的互助性质的保赔险和抗辩险暂时是不受影响的。
但是,在国际保赔协会投保的固定保费性质的保赔险以及在非IG协会投保的保赔险、抗辩险、租家责任险等将受此影响。我们注意到,非IG协会KPI以及IG协会下的固定保费业务机构,如TMS和EOM也已发布通函,宣布自2023年1月1日零时起不再为俄罗斯、乌克兰或白俄罗斯领土上发生的战争风险提供保险保障。他们稍后会就此签发相应的批单。预计其他的固定保费业务机构也会陆续宣布。请大家关注相关保险人的通知。
我们谨就UK保赔协会(其固定保费业务机构TMS)发布的取消通知内容翻译如下,谨供大家参考:
Notice is hereby given that, with effect from January 1st 2023, the following coverage changes will be implemented in respect of War Risks coverage on all non-mutual business including but not limited to Charterer's Liability Cover, Non-Poolable extended and ancillary covers to Mutual entries and Fixed Premium P&I Cover. Coverage changes do not apply to mutual entries for P&I and PLR war covers.
兹通知,自2023年1月1日起,所有非互助性质的保险业务中的战争险,包括但不限于租家责任险、在互助保险基础上的Non-Poolable的扩展及附加险种以及固定保费性质的保赔险,将做以下保险变更。保险范围的变更不适用于互助性质的保赔险以及保赔战争险。
This policy excludes all loss, damage, liability, cost or expense:
本保单剔除以下所有损失、损害、责任、成本或费用:
(a) caused by or arising from or in connection with any Russia-Ukraine conflict and/or any expansion of such conflict; or
(a)由于任何俄乌冲突和/或该冲突的扩大所引起或与之有关的;或
(b) in any area or territory or territorial waters where Russian armed forces, Russian-backed forces, and/or Russian authorities, are engaged in conflict within the territories (including territorial waters) of the Russian Federation, Belarus, Ukraine and any disputed regions of Ukraine, the Crimean Peninsula and the Republic of Moldova.
(b)在俄罗斯联邦、白俄罗斯、乌克兰以及乌克兰、克里米亚半岛和摩尔多瓦共和国之间任何争议领土(包括领海)内,涉及俄罗斯武装部队、俄罗斯支持的部队和/或俄罗斯当局发生冲突的任何地区、领土或领海;
(c) arising from capture, seizure, arrest, detainment, confiscation, nationalisation, expropriation, deprivation or requisition for title or use, or the restraint of movement of vessels and cargo in the territories (including territorial waters) of the Russian Federation, Belarus, Ukraine and any disputed regions of Ukraine, the Crimean Peninsula and the Republic of Moldova.
(c)在俄罗斯联邦、白俄罗斯、乌克兰以及乌克兰、克里米亚半岛和摩尔多瓦共和国之间任何有争议的领土(包括领海)内,由于占领、扣押、逮捕、扣留、没收、国有化、征用、剥夺或征用所有权或使用权,或限制船舶和货物的移动而引起的。
Notice of Cancellation (“Notice”)
取消通知(以下简称”通知”)
Where this policy insures liability, loss, damage, cost or expense caused by, arising out of or in any way connected with one or more of the following risks:
本保单所承保的以下一种或多种风险所引起的、或以任何方式与以下一种或多种风险有关的责任、损失、损害、成本或费用:
1.1 war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power;
1.1战争、内战、革命、叛乱、暴动或由此引发的内乱,或由交战国作出或对交战国作出的任何敌对行为;
1.2 capture, seizure, arrest, restraint, or detainment, and the consequences thereof or any attempt thereat;
1.2占领、扣押、逮捕、限制或扣留,及其后果或任何图谋;
1.3 derelict mines, torpedoes, bombs, or other derelict weapons of war;
1.3废弃的地雷、鱼雷、炸弹或其他废弃的战争武器;
1.4 strikes, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions;
1.4罢工、被迫停工、或参与劳工骚乱、暴动或内乱的人;
1.5 terrorism, or any person acting maliciously or from a political motive;
1.5恐怖主义,或任何有敌意行为或出于政治动机的人;
1.6 confiscation, nationalisation, expropriation, deprivation or requisition.
1.6没收、国有化、征收、剥夺或征用。
This policy may be cancelled in respect of these risks only by the Club giving 72 hours'notice of cancellation(hereinafter "Notice") with Notice being effective from midnight Greenwich Mean Time on the day Notice is given by the Club.
只有在协会提前72小时发出取消通知(以下简称”通知”)的情况下,本保单才能被取消,并且该通知从协会发出通知之日格林尼治时间24时起生效。
The Club may subsequently agree to reinstate cover, if required, at terms to be agreed by the Club. Any reinstatement of cover shall occur at a time to be agreed by the Underwriters.
如有需要,协会后续可以考虑恢复保险,但承保条件需先由协会确认同意。保险责任的恢复应在协会同意后方可生效。
Automatic Termination
自动终止
2.1 Whether or not the notice of cancellation described in clause 1 has been given,this insurance shall TERMINATE AUTOMATICALLY:
2.1如有下列情况,无论第1条中所述的取消通知是否已发出,本保险将自动终止:
2.1.1 upon the occurrence of any hostile detonation of any nuclear weapon of war,wheresoever or whensoever such detonation may occur,and/or;
2.1.1一旦发生使用任何战争核武器的敌对爆炸,无论这种爆炸发生在何时何地,和/或:
2.1.2 upon the outbreak of war (whether there be a declaration of war or not)between any of the following countries:United Kingdom, United States of America,France,the Russian Federation,the People's Republic of China.
2.1.2在以下任何国家之间爆发战争(无论是否宣战)时:英国、美国、法国、俄罗斯联邦、中华人民共和国。
This Notice of Cancellation shall apply to all persons or companies named as Assureds and/or Co-assureds
本取消通知适用于作为被保险人和/或共同被保险人的所有个人或公司。
(上述中文翻译仅供参考,具体请以英文措辞为准)