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FOB贸易术语在国际货物运输中使用甚广,在该术语下,国际惯例为买方购买仓至仓保险,在实务中,若在卖方将货物从仓库运至船上的陆上过程中发生灭失,卖方因不是投保人也不是被保险人无权索赔,买方因为在保险事故发生时不具有保险利益而无权索赔,出现了保险空白地带。对于此种问题,在遵循我国保险法及海商法的相关规定条件下,通过双方对FOB术语下风险约定进行改动、卖方购买全程保险并在货物装上船即风险转移之时通过背书转让等方式变更保险合同主体四种方式对卖方保险空白地带的风险进行规避。
FOB trade terms are widely used in the international carriage of goods. Under this term, it is the international practice for purchasers to buy warehouse-to-warehouse insurance. In practice, if the seller loses goods on the land from the warehouse to the ship, the seller Because the insured is not the insured person is not entitled to claim, the buyer because the insured event does not have the insurance benefits and no right to claim, there has been a blank area of insurance. For such problems, under the conditions of the relevant provisions of China’s insurance law and maritime law, both parties make changes to the risk agreement under the FOB term, the seller purchases the entire insurance policy and alters the goods by endorsement when the goods are loaded on board The main four aspects of the insurance contract to avoid the risk of the seller’s insurance blanket.