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CH ) NG II - Original
CH ) NG II - Original
1.Khi nim - Bo him hng hi l nhng nghip v bo him c lin quan n hot ng ca con tu, con ngi hoc ca hng ho c vn chuyn trn bin hay nhng nghip v bo him nhng ri ro trn bin, trn b, trn sng c lin quan n hnh trnh ng bin 2. Cc loi hnh bo him hng hi - Bo him hng ho XNK chuyn ch bng ng bin: i tng bo him l hng ho XNK c vn chuyn trn bin v cc chi ph c lin quan - Bo him thn tu: i tng bo him l v tu, my mc thit b trn tu v cc chi ph hp l (chi ph dc hnh trnh, chi ph ng trc lng cho s quan thu th, mt phn trch nhim m ch tu phi chu trong trng hp hai tu m va nhau) - Bo him trch nhim dn s ch tu: bo him nhng thit hi pht sinh t trch nhim ca ch tu trong qu trnh s hu, kinh doanh, khai thc tu bin i vi ngi khc
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Ri ro vt hoc nm xung bin (Jettision): l hnh ng vt mt phn hng ho hoc trang thit b ca tu xung bin nhm mc ch cu tu v hnh trnh ca tu. Ri ro mt tch (missing): l trng hp tu khng n c cng nh quy nh ca hp ng v sau mt khong thi gian nht nh k t ngy hnh trnh b mt tin tc v tu v hng ho trn tu. +) Php: 6 thng i vi hnh trnh ngn v 12 thng i vi hnh trnh di +) Anh v cc nc theo lut Anh: thi gian tuyn b tu mt tch bng 3 ln hnh trnh nhng khng nh hn 2 thng v khng ln hn 6 thng +) Vit nam: thi gian tuyn b tu mt tch bng 3 ln hnh trnh ca tu nhng khng nh hn 3 thng
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Lm tuyn b t b gi cho cng ty bo him (Notice of Abandonment) Khi t b c chp nhn th khng thay i c na Ch c t b khi i tng bo him cn dc ng v cha b tn tht ton b thc t.
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Chi ph sa cha tm thi Chi ph sa cha chnh thc: chi ph sa cha, thay th cc b phn tn tht xy ra nhm khi phc li gi tr ban u ca con tu trc khi c tai nn tn tht
Chi ph cha sa cha: l s tin hp l i vi vic gim gi tr thn tu, my mc trang thit b do vic h hng cha sa cha gy ra
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Tn tht chung (General Average): a) Khi nim v c trng - Tn tht chung l nhng thit hi xy ra do nhng chi ph v hy sinh c bit c tin hnh mt cch c v hp l nhm cu tu, hng ho v cc ph khi b tai ho trong mt hnh trnh chung trn bin. - Mun c tn tht chung phi c hnh ng tn tht chung: c v ch c hnh ng tn tht chung khi v ch khi c mt s hy sinh hoc chi ph bt thng (extraordinary) c tin hnh mt cch c v hp l nhm bo tn ti sn khi b tai ho trong mt hnh trnh chung trn bin Nguyn tc 1: tn tht chung v s an ton chung Nguyn tc 2: nhng chi ph pht sinh tuy khng phi cn thit trnh him ho cho tu v hng nhng l hu qu trc tip ca hnh ng tn tht chung v v li ch chung cng c cng nhn l tn tht chung.
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d) Th tc, giy t lin quan n tn tht chung: * Khi xy ra tn tht chung, ch tu hoc thuyn trng phi tin hnh mt s cng vic sau y: Tuyn b tn tht chung (Notice of GA) Mi gim nh vin n gim nh tn tht ca tu v hng Gi cho cc ch hng bn cam oan ng gp tn tht chung (average bond), giy cam oan ng gp tn tht chung (average guarantee) ch hng v ngi bo him in vo v xut trnh khi nhn hng Ch nh mt nhn vin tnh ton, phn b tn tht chung Lp khng ngh hng hi (Sea Protest) nu cn * Ch hng phi lm nhng vic sau: - K khai gi tr hng ho - Nhn average bond v average guarantee
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Bc 1: Xc nh gi tr tn tht chung: Tng gi tr tn tht chung l tng nhng hy sinh v chi ph c cng nhn l tn tht chung. Nu hng ho b hy sinh v tn tht chung th gi tr c tnh l gi tr hng ho lc d hng, cn c vo ho n thng mi hoc cn c vo gi hng lc xp hng xung tu. Gi tr ny bao gm c ph bo him v cc ph, tr trng hp cc ph khng thuc trch nhim thanh ton ca ch hng Bc 2: Xc nh gi tr chu phn b:
l gi tr ti sn c mt trn tu ca tt c cc quyn li vo thi im c hnh ng tn tht chung, tc l tng cc gi tr c hnh ng tn tht chung cu thoat, bao gm c nhng gi tr hy sinh v an ton chung. Nhng ti sn mt mt h hi thuc tn tht ring xy ra trc tn tht chung khng phi tnh vo gi tr phn b, nhng nu tn tht ring xy ra sau tn tht chung th vn tnh
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S tin ng gp ca tng quyn li bng t l ng gp nhn vi gi tr ng gp ca tng quyn li: C = (L/CV)v Trong : +) C l s tin phi ng gp vo tn tht chung ca mi quyn li +) L l tng gi tr tn tht chung +) CV l tng gi tr chu phn b +) v l gi tr chu phn b ca tng quyn li
Bc 5: Tnh ton kt qu ti chnh l s tin thc s thu v hoc b thm ra ca tng ch hng hay ch tu sau khi tr i phn gi tr ti sn hoc chi ph h t b ra trong hnh ng tn tht chung (= s tin ng gp tn tht chung gi tr ti sn hoc chi ph t b ra trong tn tht chung)
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S cn thit phi bo him hng ho XNK chuyn ch bng ng bin - Hng ho vn chuyn bng ng bin thng gp nhiu ri ro. - Trch nhim ca ngi chuyn ch rt hn ch v vic khiu ni i bi thng rt kh khn - Mua bo him bo v c li ch ca doanh nghip khi c tn tht v to ra tm l an tm trong kinh doanh - Mua bo him cho hng ho XNK l mt tp qun thng mi quc t
2. Trch nhim ca ngi bo him i vi hng ho theo cc iu kin bo him hin hnh
2.1. Gii thiu cc iu kin bo him 2.1.1. Khi nim: iu kin bo him l s quy nh trch nhim ca ngi bo him i vi i tng bo him (hng ho) v cc mt: ri ro tn tht, thi gian, khng gian- hay chnh l s khoanh vng cc ri ro bo him 2.1.2. Cc iu kin bo him ca Anh - Do U ban k thut v iu khon (Technical and clauses committee) thuc Hc hi nhng ngi bo him London (Institute of London Underwriters- ILU) son tho. Cc iu kin bo him ny c gi tt l cc ICC (Institute Cargo Clauses):
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2. Trch nhim ca ngi bo him i vi hng ho theo cc iu kin bo him hin hnh
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ICC 1963: - FPA (Free from Particular Average): iu kin min tn tht ring - WA (With Particular Average): iu kin bo him tn tht ring - AR (All Risk): iu kin bo him mi ri ro - WR (War Risk): iu kin bo him cc ri ro chin tranh - SRCC: iu kin bo him ri ro nh cng
3 iu kin bo him u l 3 iu kin bo him gc, iu kin 4 & 5 l iu kin bo him cc ri ro c bit
2. Trch nhim ca ngi bo him i vi hng ho theo cc iu kin bo him hin hnh
ICC 1982:
C: phm vi bo him tng ng vi FPA B: phm vi bo him tng ng vi WA A: phm vi bo him tng ng vi AR WR SRCC
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2. Trch nhim ca ngi bo him i vi hng ho theo cc iu kin bo him hin hnh
2.1.3. Cc iu kin bo him ca Vit nam - S dng cc quy tc chung (QTC) do B Ti chnh ban hnh, ni dung ch yu ca cc QTC cng da trn ni dung ca cc ICC: +) QTC 1965: FPA, WA, AR tng t nh ICC 1963, cha cp n WR v SRCC +) QTC 1990: C, B, A tng t nh ICC 1982
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Cc chi ph hp l:
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Chi ph cu nn Chi ph phng, hn ch tn tht Chi ph gim nh, xc nh tn tht Chi ph khiu ni, t tng Bt k mt chi ph no m ch hng b ra nhm bo v li ch ca cng ty bo him
Phn trch nhim m ngi c bo him phi chu theo iu khon hai tu m va nhau cng c li
iu kin WA: bo him bi thng trong 7 trng hp: FPA Tn tht b phn v thin tai khng gii hn trong 4 ri ro chnh Ngi mua bo him theo WA cn c th tham gia bo him cc loi ri ro ph (WA + ri ro ph: rch, v, g, bp, cong, vnh, hp hi, mt mi, ly hi, ly bn, nc ma, nc bin,mc cu ) Ngi bo him ra mc min thng v gii quyt theo nguyn tc: - Khng cp mc min thng tn tht do 4 ri ro chnh, ri ro chin tranh, nh cng v cc ri ro ph do con ngi gy ra - Khng cng cc chi ph t mc min thng, ch tnh tn tht thc t - c tnh cc tn tht lin tip xy ra t mc min thng - Mi x lan c coi l mt con tu tnh mc min thng - Ngi c bo him c quyn la chn cch tnh min thng c li nht cho mnh c bi thng nhiu hn
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WA Cc ri ro ph (thiu ht, chy, va chm, hng, v, mc cu, ly hi, ly bn, hp hi, nc ma, nc bin, rch, v, g, bp, cong, vnh, thi nt, my lnh hng, mt trm, mt cp, giao thiu hng, khng giao hng v him ho khc khi c tho thun thm) FPA v AR khng ra mc min thng
Gi tn cc iu kin bo him theo ni dung lm ngi ta d nhm ln Phn bit tn tht ton b v tn tht b phn Vn ri ro cp bin Vn mu n bo him
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B Tn tht do cc ri ro ph gy nn: rch, v, g, bp, cong, vnh, hp hi, mt mi, ly hi, ly bn, hnh vi c hoc ph hoi (khng phi ca ngi c bo him), va p vo hng ho khc, trm, cp, cp, nc ma, giao thiu hng ho hoc khng giao, mc cu hoc cc ri ro tng t
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3. Hp ng bo him
3.1. Khi nim 3.1.1. nh ngha - Hp ng bo him l mt vn bn trong ngi bo him cam kt s bi thng cho ngi c bo him khi i tng bo him b tn tht do nhng ri ro tho thun gy nn, cn ngi c bo him cam kt np ph bo him 3.1.2. Tnh cht - L mt vn bn bi thng (contract of indemnity) - L mt hp ng tn nhim (contract of goodfaith) - L mt vn bn c th chuyn nhng c (Negotiable contract)
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3. Hp ng bo him
3.1.3. Phn loi - Hp ng bo him chuyn (Voyage Policy): l hp ng bo him cho mt chuyn hng hoc mt l hng c vn chuyn t mt cng ny n mt cng khc
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Hiu lc: lun tun theo iu khon t kho n kho Ch c gi tr i vi tng chuyn hng c th hin bng n bo him hoc giy chng nhn bo him
3. Hp ng bo him
n bo him: ni dung gm 2 mt:
Mt 1: ghi cc chi tit v hng ho, tu, hnh trnh, ngi bo him v ngi c bo him:
Tn, a ch ca ngi bo him v ngi c bo him Tn hng, s lng, trng lng, s vn n Tn tu, ngy khi hnh Cng i, cng n, cng chuyn ti Gi tr bo him, s tin bo him iu kin bo him T l ph bo him, ph bo him Ni v c quan gim nh tn tht Ni v cch thc bi thng Ngy, thng, ch k ca cng ty bo him
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3. Hp ng bo him
Hp ng bo him bao (Floating Policy): l hp ng dng bo him cho nhiu chuyn, nhiu l hng trong mt khong thi gian nht nh C gi tr t ng linh hot, gip gim c thi gian v chi ph m phn v trnh c vic qun khng k hp ng bo him Hp ng bo him nh gi (Valued Policy): l loi hp ng khi k ngi ta ghi r tr gi hoc s tin bo him ca hp ng bo him Hp ng bo him khng nh gi (Unvalued Policy): l loi hp ng khi k kt ngi ta khng ghi r s tin bo him hay gi tr bo him m ch nu ra nguyn tc tnh s tin hay gi tr bo him: cn c vo gi tr hng ho bn n vo ngy tu n hoc ngy tu ng k phi n hoc tr gi hng ho lc xy ra tn tht, lc bi thng hoc lc chp nhn bi thng Vit Nam: khng s dng hp ng bo him khng nh gi
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Loi hng ho, bao b Cch xp hng (trn boong hay trong hm tu) Loi tu (cm c thng hay c phng tin, tui tu ) Qung ng vn chuyn iu kin bo him Quan h vi cng ty bo him Chnh sch ca mt quc gia
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Ngi khiu ni c li ch bo him Hng ho c bo him Tn tht thuc mt ri ro c bo him Gi tr bo him, s tin bo him Mc tn tht S tin i bi thng m bo c nguyn tc th quyn
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Thi hn khiu ni ngi bo him l 2 nm theo ICC 1982 v QTC 1990 k t ngy c tn tht hoc pht hin tn tht B h s khiu ni phi gi n cng ty bo him trong vng 9 thng k t ngy c tn tht hoc pht hin tn tht
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Tn tht ton b thc t: ngi bo him bi thng ton b s tin bo him hoc gi tr bo him Tn tht ton b c tnh:
Nu ngi c bo him c thng bo t b hng v c ngi bo him chp nhn th ngi bo him phi bi thng ton b Nu ngi c bo him khng t b hng hoc t b hng khng c ngi bo him chp nhn th ch c bi thng nh tn tht b phn
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Chi ph t tng v phng hn ch tn tht hoc bo v quyn li ca hng ho bo him hoc nhng chi ph lin quan n vic i ngi th ba bi thng Chi ph gim nh tn tht thuc trch nhim bo him Hy sinh tn tht chung: nu ton b hay mt phn ca l hng b hy sinh cu tu v c cng nhn l tn tht chung th ngi bo him s bi thng gi tr hy sinh ng gp tn tht chung: trn c s bn phn b tn tht chung do chuyn vin tnh ton tn tht chung lp nn, ngi bo him s bi hon phn ng gp ca ch hng vo tn tht chung, cho d hng ho c bo him theo iu kin g.
Thi hn thanh ton tin bi thng: 30 ngy k t ngy ngi bo him nhn c h s khiu ni hp l
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Bi tp iu kin bo him
Tu Cu Long ch hng NK cho VN t HK v cng Hi phng th b ha hon. Mt s b phn ca tu v mt s hng ha trn tu b chy. Thuyn trng ra lnh phun nc bin cha chy lm mt s hng ha b h hi v ngm nc.
Vi: 400 kin, tr gi 600.000$ tham gia BH vi s tin 500 000$ in my: s tin bo him 1.010.000$ C hai l hng tham gia bo him theo iu kin B ti Bo Vit Si gn. Khi d hng ln ti cng cui cng, gim nh vin cho kt qu: - 100 kin vi b chy en - 200 kin vi b ngm nc cha chy gim gi tr 40% - Thit b tu b chy tr gi 1500$ - Gi tr tu khi ri bn: 1.241.500$ - Chi ph gim nh:3000$ Xc nh trch nhim ca bo him hng ha
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Lu v Hp ng bo him chuyn
Hp ng Ti v t- at and from: Khi hp ng k kt, con tu c mt ti a im quy nh th hp ng bo him bt u c hiu lc vi mi ri ro, tn tht c bo him xy ra t cng tr i. C trng hp khi hp ng k, khng nht thit con tu phi c mt ti cng ti v t quy nh, nhng cuc hnh trnh phi bt u sau mt khong thi gian hp l, nu qu thi gian ngi bo him c th hy b hp ng. Hiu lc ca bo him bt u ngay khi con tu n cng ti v t :
Hp ng T- from: mt tu c bo him t mt a im ring. Khi tu khi hnh ri a im ring , trch nhim bo him mi bt u v tip tc khi tu n cng n quy nh.
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iu kin 1: TLO- Total Loss Only: iu kin ch bo him tn tht ton b iu kin 2: FOD- Free of Damage Absolutely: iu kin loi tr tuyt i tn tht b phn iu kin 3: FPA- Free from Particular Average: iu kin min tn tht ring iu kin 4: ITC Institute Time Clause: iu kin bo him thi hn thn tu
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Hp ng bo him thi hn: bo him bt u c hiu lc t 24h ca ngy k kt n ht 24h ca ngy c hiu lc. Khi nim gi do hai bn tho thun, c th l gi a phng hoc gi quc t Nu n ht 24h ca ngy ht thi hn m tu cha v n cng th s ch cho n khi tu neo u an ton ti mt cng no hoc cng n (ch tu phi np thm ph bo him cho thi hn ko di) Hp ng bo him chuyn: bo him c hiu lc t khi tu nh neo v kt thc sau 24h khi tu th neo an ton ch d hng cng n Bo him chuyn cng kt thc hiu lc khi:
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Tu thay i cp hng hoc cng ty ng kim Tu i chch hng m khng c l do chnh ng Thay i v ch quyn, quc k, quyn qun l, cho thu hoc b trng dng
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Hp ng bo him chuyn: bo him c hiu lc t khi tu nh neo v kt thc sau 24h khi tu th neo an ton ch d hng cng n
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Hp ng ti v t: c hiu lc khi tu bt u vo a phn cng ti v t mt cch kh an ton v vi thc hin cuc hnh trnh v kt thc 24h khi tu neo u ti cng n Hp ng t: c hiu lc khi tu khi hnh cng quy nh thc hin cuc hnh trnh ghi trong hp ng v kt thc 24h khi tu neo cng n Tu thay i cp hng hoc cng ty ng kim Tu i chch hng m khng c l do chnh ng Thay i v ch quyn, quc k, quyn qun l, cho thu hoc b trng dng
4. Hp ng bo him thn tu
Ngi bo him: cc cng ty bo him Ngi c bo him: cc ch tu/ ngi i thu tu khai thc kinh doanh thu cc ph i tng bo him: v tu, my mc trang thit b trn tu v cc chi ph khc (khng bao gm vt dng v ti sn c nhn) Phm vi bo him
Ri ro c bo him thng thng bao gm nhm cc ri ro chnh trong hng hi: chm m, mc cn, chy n, m va, tu mt tch do mi l do, tu h hi do li lm ca thy th on, cp bin Ri ro loi tr: chin tranh, nh cng, do s c hay li lm ca ngi c bo him v ri ro vi phm cc iu kin bo him. Ch tu c th mua thm mt s iu khon b sung: ri ro do tu i chch hng, thay i hnh trnh hoc chm tr hnh trnh.
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4. Hp ng bo him thn tu
Cc ch bo him:
Ch bo him theo ri ro u tin, theo s tin bi thng khng c vt qu s tin bo him, c th:
Tn tht b phn: s tin bi thng bng ng gi tr tn tht v khng vt qu s tin bo him Tn tht ton b: s tin bi thng bng ng s tin bo him Trch nhim m va: bo him gii hn trong s tin bo him
4. Hp ng bo him thn tu
Gi tr bo him V: bng tng gi tr ca con tu khi tham gia bo him:
V tu, my tu, trang thit b ca tu Cc vt phm cung ng cho hnh trnh ca tu Ph tn iu hnh, qun l, li hoc tr gi gia tng ( 25% gi tr tu) Cc thu nhp (25%) Tin lng ng trc cho s quan thu th
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4. Hp ng bo him thn tu
Ph bo him:
Ph bi thng cho tn tht ton b Ph bi thng cho tn tht b phn: chi ph sa cha tm thi, chnh thc v cha sa cha Ph ph: chi ph qun l, chi ph phng hn ch tn tht Nu ng hu b hp ng th s hon li 90% s ph bo him trong thi gian tu ngng hot ng Trng hp tu sa cha v neo u an ton ti mt cng trong nc th hon li 75% s ph trong thi gian tu ngng hot ng Trng hp tu sa cha v neo u an ton ti mt cng nc ngoi: hon li 60% Nu tu gp tn tht ton b th khng hon li ph.
Khng ai c li: x ho, thit hi v ai ngi y t chu Khng chng minh c li thuc v ai: x ho, thit hi ca ai ngi y t chu Mt bn c li: bn c li phi bi thng cho bn kia Hai bn cng c li:
Mi quan h gia tu vi tu: 2 tu bi thng cho nhau da trn c s li ca mnh, li c phn chia trn c s phn s => khng cng bng v gi tr ca mi con tu l khc nhau
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5. Tai nn m va v trch nhim ca cc bn khi hai tu m va nhau cng c li Quan h gia tu vi hng:
HA
HB
5. Tai nn m va v trch nhim ca cc bn khi hai tu m va nhau cng c li Trng hp 2: c iu khon hai tu m va nhau cng c li TA TB TA TB
HA
HB
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5. Tai nn m va v trch nhim ca cc bn khi hai tu m va nhau cng c li Quan h gia bo him vi ch hng:
i vi tu c bo him: bo him thn tu ch chu trch nhim i vi thit hi vt cht thn tu (khng chu trch nhim v thit hi kinh doanh, thit hi v hng ha v con ngi trn tu) i vi tu b m:
Tn tht, thit hi vt cht ca tu b m Tn tht, thit hi v ti sn, hng ha Thit hi v kinh doanh Tn tht chung, chi ph cu h ca tu b m va do tai nn m va gy ra (nu c)
=> Bo him gii hn bi thng mc trch nhim m va pht sinh v khng vt qu s tin bo him
trch nhim m va Bt ng sn, ng sn, ti sn hay vt g khc khng phi thn tu trn tu c bo him Hng ha hay vt phm chuyn ch trn tu c bo him Cht ngi, m au, thng tt Phn trch nhim ln hn s tin bo him
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Bi tp
Tu A m va vi tu B, c hai tu u mua bo him ngang gi tr. Theo bin bn gim nh mi bn c li mt na. Thit hi ca hai tu nh sau: Hy gii quyt bi thng trch nhim m va theo trch nhim cho v xc nh trch nhim ca bo him trong tai nn m va ny.
Thit hi Tu A
Tu B
V tu
10 000
20 000
Kinh doanh
4000
8000
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gim ph bo him thn tu Tr gi thn tu ngy cng cao => nguy c i vi cc ch tu ln hn, h khng c kh nng b p khi tn tht ton b xy ra Bo him nhng trng hp m bo him thn tu khng bo him:
trch nhim m va Bt ng sn, ng sn, ti sn hay vt g khc khng phi thn tu trn tu c bo him Hng ha hay vt phm chuyn ch trn tu c bo him Cht ngi, m au, thng tt Phn trch nhim ln hn s tin bo him
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Phi vit n khi gia nhp hi Tu tham gia hi P&I l tu c bo him thn tu Khi l hi vin th coi nh k mt hp ng bo him vi hi- c hiu lc theo nm ti chnh ca hi (t 12h ngy 20/2 nm trc n 12h ngy 20/2 nm sau) Hi vin c th tham gia theo quy tc ca hi, cng c th thm bt cho ph hp vi tng hi vin Hi vin b cht, b ph sn, mt quyn s hu cng ty, mt nng lc kinh doanh Tu b bn hoc b mt tch Sau 30 ngy k t ngy hi vin xin ra khi hi Sau 7 ngy k t ngy tuyn b hu hp ng do li ca hi vin
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3. Ri ro bo him
3.1. Nhng khiu ni v ngi: thu th v hnh khch trn tu, gm cc chi ph: - Chi ph thuc men, vin ph, mai tng theo hp ng hoc theo php lut - Chi ph hi hng do m, cht, buc phi quay tr li do tu m hoc do vi phm k lut - Chi ph tin lng, tin cng cho ngi hi hng trong thi gian hi hng hoc trong thi gian tht nghip do phi hi hng - Cc chi ph pht sinh do tu buc phi i chch hng cu ngi (nhin liu, lng thc, lng s quan thu th, cng ph )
3. Ri ro bo him
3.2. Ri ro m va: hi P&I bi thng cho c hai ch tu - Tu c bo him: +) Tn tht v ngi +) Tn tht v hng ho chuyn ch trn tu - Tu b m: +) trch nhim ca tu c bo him vi tu b m +) phn trch nhim ca tu c bo him vi tu b m ln hn gi tr thn tu c bo him +) Thit hi ca cc ti sn khc do tu c bo him m va
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3. Ri ro bo him
3.3. Ri ro nhim - Nhng mt mt h hi hoc lm bn do nhim - Chi ph phng hn ch tn tht - Tin pht do nhim hoc cc chi ph thc hin mnh lnh ca chnh quyn ngn nga hay hn ch tn tht (Hi bo him min Ty nc Anh WOE gii hn mc bi thng do ri ro nhim l 400 triu $)
3. Ri ro bo him
3.4. Ri ro v hng ho - Nhng tn tht v hng ho v ti sn c chuyn ch trn tu do hi vin mc li gy ra - Cc chi ph xp d bt thng m hi vin phi chu nhng khng i c t nhng ngi khc - Phn tn tht chung phn b cho cc ch hng nhng ch tchoij vin khng i c - Cc chi ph pht sinh nu hng ho c chuyn ch trn tu khc hoc chi ph chuyn ti lu kho lu bi ngoi khu vc cng xp d nhng ch tu hi vin phi chu theo mt vn n ch sut hoc mt hp ng no m ch tu hi vin chp nhn
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3. Ri ro bo him
3.5. Cc trch nhim theo mt hp ng nht nh 3.6. Bo him ri ro di chuyn xc tu: - Cc chi ph tn tht pht sinh do trc vt, di chuyn, ph hu, nh du, thp sng - Cc trch nhim pht sinh do trc vt, di chuyn, ph hu, nh du, thp sng k c vic thi thot du - Cc trch nhim m ch tu phi chu do xc tu nm ti hoc v tnh b chuyn ri i ni khc nu ch tu cha tuyn b t b tu
3. Ri ro bo him
3.7. Ri ro iu pht: trong qu trnh kinh doanh khai thc tu ch tu c th b pht do: - Khng chp hnh quy tc an ton ca mt nc bt k - Ch hng lu - Vi phm lut hi quan - Vi phm lut kiu dn - Vi phm v cu trc hoc thay i cu trc ca tu - Gy nhim (nu cha c bi thng ri ro nhim) - Hnh vi bt cn hoc thiu st ca thuyn b ca tu c bo him 3.8. Cc chi ph phng hn ch tn tht 3.9. Cc chi ph bt thng m hi vin phi chu trong qu trnh s hu khai thc khng thuc quy tc ca hi m hi vin li khng i c t nhng ngi khc
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