日本财产保险（中国）有限公司
SIC Institute Cargo Clauses (A)（1/1/09）
RISKS COVEREDRisks
1. This insurance covers all risks of loss of or damage to the subject-matter insured except as
excluded by the provisions of Clauses 4, 5, 6 and 7 below.
General Average
2. This insurance covers general average and salvage charges, adjusted or determinedaccording to the contract of carriage and/or the governing law and practice, incurred to avoid orin connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5,
6 and 7 below.
"Both to Blame Collision Clause"
3. This insurance indemnifies the Assured, in respect of any risk insured herein, against
liability incurred under any Both to Blame Collision Clause in the contract of carriage. In theevent of any claim by carriers under the said Clause, the Assured agree to notify the Insurers 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
4.1 loss damage or expense attributable to willful misconduct of the Assured.
4.2 ordinary 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 to withstand the ordinary incidents of the insured
transit where such packing or preparation is carried out by the Assured or their employees
or prior to the attachment of this insurance (for the purpose of these Clauses "packing"shall be deemed to include stowage in a container and "employees" shall not include
independent contractors).
4.4 loss damage or expense caused by inherent vice or nature of the subject-matterinsured.
4.5 loss damage or expense 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 caused by insolvency or financial default of the owners
managers charterers or operators of the vessel where, at the time of loading of thesubject-matter insured on board the vessel, the Assured are aware, or in the ordinary courseof business should be aware, that such insolvency or financial default could prevent thenormal prosecution of the voyage.

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This exclusion shall not apply where the contract of insurance has been assigned to theparty claiming hereunder who has bought or agreed to buy the subject-matter insured ingood faith under a binding contract.
4.7 loss damage or expense directly or indirectly caused by or arising from the use of
any weapon or device employing atomic or nuclear fission and/or fusion or other likereaction or radioactive force or matter.
5. 5.1 In no case shall this insurance cover loss damage or expense arising from
5.1.1 unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe
carriage of the subject-matter insured, where the Assured are privy to such unseaworthinessor unfitness, at the time the subject-matter insured is loaded therein.
5.1.2 unfitness of container or conveyance for the safe carriage of the subject-matterinsured, where loading therein or thereon is carried out prior to attachment of this insurance
or by the Assured or their employees and they are privy to such unfitness at the time ofloading.
5.2 Exclusion 5.1.1 above shall not apply where the contract of insurance has been
assigned to the party claiming hereunder who has bought or agreed to buy thesubject-matter insured in good faith under a binding contract.
5.3 The Insurers waive any breach of the implied warranties of seaworthiness of theship and fitness of the ship to carry the subject-matter insured to destination.
6. In no case shall this insurance cover loss damage or expense caused by
6.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or
any hostile act by or against a belligerent power.
6.2 capture seizure arrest restraint or detainment (piracy excepted), and theconsequences 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 damage or expense
7.1 caused by strikers, locked-out workmen, or persons taking part in labour
disturbances, riots or civil commotions.
7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions.
7.3 caused by any act of terrorism being an act of any person acting on behalf of, or inconnection with, any organisation which carries out activities directed towards theoverthrowing or influencing, by force or violence, of any government whether or not legallyconstituted.
7.4 caused by any person acting from a political, ideological or religious motive.
DURATION

日本财产保险（中国）有限公司
Transit Clause
8. 8.1 Subject to Clause 11 below, this insurance attaches from the time the subject-matterinsured is first moved in the warehouse or at the place of storage (at the place named in thecontract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle orother conveyance for the commencement of transit, continues during the ordinary course of transit
and terminates either
8.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at thefinal warehouse or place of storage at the destination named in the contract of insurance,
8.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at
any other warehouse or place of storage, whether prior to or at the destination named in thecontract of insurance, which the Assured or their employees elect to use either for storage otherthan in the ordinary course of transit or for allocation or distribution, or
8.1.3 when the Assured or their employees elect to use any carrying vehicle or otherconveyance or any container for storage other than in the ordinary course of transit or
8.1.4 on the expiry of 60days after completion of discharge overside of the subject-matterinsured 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 subject-matter insured is to be forwarded to a destination
other than that to which it is insured, this insurance, whilst remaining subject to termination asprovided in Clauses 8.1.1 to 8.1.4, shall not extend beyond the time the subject-matter insured isfirst moved for the purpose of the commencement of transit to such other destination.
8.3

This insurance shall remain in force (subject to termination as provided for in

Clauses 8.1.1 to 8.1.4 above and to the provisions of Clause 9 below) during delay beyond thecontrol of the Assured, any deviation, forced discharge, reshipment or transhipment and during
any variation of the adventure rising from the exercise of a liberty granted to carriers under thecontract of carriage.
Termination of Contract of Carriage
9. If owing to circumstances beyond the control of the Assured either the contract of carriage
is terminated at a port or place other than the destination named therein or the transit is otherwise
terminated before unloading of the subject-matter insured as provided for in Clause 8 above, thenthis insurance shall also terminate unless prompt notice is given to the Insurers andcontinuation of cover is requested when this insurance shall remain in force, subject to an
additional premium if required by the Insurers, either
9.1 until the subject-matter insured is sold and delivered at such port or place, or, unlessotherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter insured at日本财产保险（中国）有限公司
such port or place, whichever shall first occur, or
9.2 if the subject-matter insured is forwarded within the said period of 60 days (or anyagreed extension thereof) to the destination named in the contract of insurance or to any otherdestination, until terminated in accordance with the provisions of Clause 8 above.
Change of Voyage
10. 10.1 Where, after attachment of this insurance, the destination is changed by the Assured,
this must be notified promptly to Insurers for rates and terms to be agreed. Should a loss occur
prior to such agreement being obtained cover may be provided but only if cover would havebeen available at a reasonable commercial market rate on reasonable market terms.
10.2 Where the subject-matter insured commences the transit contemplated by this insurance(in accordance with Clause 8.1), but, without the knowledge of the Assured or their employees theship sails for another destination, this insurance will nevertheless be deemed to have attached atcommencement of such transit.
CLAIMS
Insurable Interest
11. 11.1 In order to recover under this insurance the Assured must have an insurable interestin the subject- matter insured at the time of the loss.
11.2 Subject to Clause 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 Insurers were not.
Forwarding Charges
12. Where, as a result of the operation of a risk covered by this insurance, the insured transit
is terminated at a port or place other than that to which the subject-matter insured is covered under
this insurance, the Insurers will reimburse the Assured for any extra charges properly andreasonably incurred in unloading storing and forwarding the subject-matter insured to thedestination to which it is insured.
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 employees.
Constructive Total Loss
13.No claim for Constructive Total Loss shall be recoverable hereunder unless thesubject-matter insured is reasonably abandoned either on account of its actual total loss
appearing to be unavoidable or because the cost of recovering, reconditioning and日本财产保险（中国）有限公司
forwarding the subject-matter insured to the destination to which it is insured would exceed
its value on arrival.
Increased Value
14. 14.1 If any Increased Value insurance is effected by the Assured on thesubject-matter insured under this insurance the agreed value of the subject-matter insured
shall be 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 insuch proportion as the sum insured under this insurance bears to such total amount insured.
In the event of claim the Assured shall provide the Insurers 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 subject-matter insured shall be deemed to be equal to the total amountinsured under the primary insurance and all Increased Value insurances covering the loss
and effected on the subject-matter insured by the Assured, and liability under this insurance
shall be in such proportion as the sum insured under this insurance bears to such total
amount insured. In the event of claim the Assured shall provide the Insurers with evidence of
the amounts insured under all other insurances.
BENEFIT OF INSURANCE
15.This insurance
15.1 covers the Assured which includes the person claiming indemnity either as the person by
or on whose behalf the contract of insurance was effected or as an assignee,
15.2 shall not extend to or otherwise benefit the carrier or other bailee.
MINIMISING LOSSES
Duty of Assured
16.It is the duty of the Assured and their employees and agents in respect of loss recoverable
hereunder
16.1 to take such measures as may be reasonable for the purpose of averting or minimisingsuch loss, and16.2 to ensure that all rights against carriers, bailees or other third parties are properly
preserved and exercised and the Insurers will, in addition to any loss recoverable hereunder,
reimburse the Assured for any charges properly and reasonably incurred in pursuance of theseduties.
Waiver
17.Measures taken by the Assured or the Insurers with the object of saving, protecting orrecovering the subject-matter insured shall not be considered as a waiver or acceptance of日本财产保险（中国）有限公司
abandonment or otherwise 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
19.This insurance is subject to English law and practice.
NOTE:-Where a continuation of cover is requested under Clause 9, or a change of destination
is notified under Clause 10, there is an obligation to give prompt notice to the Insurers and theright to such cover is dependent upon compliance with this obligation.
CL382
01/01/2009