The term "institute" here refers to the Institute of London Underwriters or the American Institute of Marine Underwriters.


Institute Cargo Clauses

The cover under a Marine Cargo policy is defined by standard policy wordings issued by the Institute of London Underwriters (or the American Institute of Marine Underwriters). These are called Institute Cargo Clauses. While there are numerous clauses and different clauses will apply to different cargoes, normally the widest cover is provided under Institute Cargo Clauses A with more restrictive cover under, Institute Cargo Clauses B and Institute Cargo Clauses C. These new clauses replaced the previous Institute Cargo Clauses All Risks, With Average (WA) and Free of Particular Average (FPA).

照發票金額百分之壹百壹拾投保之全套正本保險單，註明以同種貨幣賠償在臺灣給付並作空白背書，其保險範圍包括：
Insurance policy or certificate all the originals，endorsed in blank for 110% of invoice value stipulating that claims are payable
in Taiwan in the same currency and including：
1982 Institute Cargo Clauses（A）
1982 協會貨物保險條款（A）
1982 Institute Cargo Clauses（B）
1982 協會貨物保險條款（B）
1982 Institute Cargo Clauses（C）
1982 協會貨物保險條款（C）
1982 Institute Cargo Clauses（Air）
1982 協會貨物保險條款（航空險）
1982 Institute War Clauses(Cargo)
1982 協會貨物保險兵變條款
1982 Institute Strikes Clauses（Cargo）
1982 協會貨物保險罷工條款

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Note added at 3 hrs (2007-08-05 10:55:13 GMT)
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The term "institute" here refers particularly to the Institute of London Underwriters.

伦敦保险协会货物条款(航空) INSTITUTE CARGO CLAUSES (AIR)
http://www.cpic.com.cn/property/ccsee/ICC_9.jsp


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Note added at 3 hrs (2007-08-05 10:58:50 GMT)
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The (UK) Marine Insurance Act of 1906 provides the basis for marine insurance contracts and, within the legal parameters laid down in this Act, the Institute of London Underwriters have approved numerous 'clauses' defining the risks covered, circumstances excluded, etc. to be incorporated into insurance policies. Some of these have broad application and are therefore in everyday use. Others are specific to certain trades and classes of goods. The tenets of the Marine Insurance Act, and the Institute Clauses, have been widely adopted amongst trading nations, including South Africa.

The standard policy document represents only the skeleton of a marine insurance contract. It is the clauses, which are incorporated by attachment to the policy, that are the essence of the contract, but the policy may contain, by agreement, specific wordings which extend or restrict the basic cover by imposing, for example, warranties, special conditions, a franchise or an excess.

The main clauses are:

* Institute Cargo Clauses which consist of:
* Institute Cargo Clauses (A)
* Institute Cargo Clauses (B)
* Institute Cargo Clauses (C)
* Institute Cargo Clauses (Air)
* Institute War Clauses
* Institute Strikes Clauses
* Institute Trade Clauses
* Additional Clauses
* Additional Terms
http://www.imarine.co.za/glossary2.htm

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Note added at 4 hrs (2007-08-05 11:40:48 GMT)
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The Institute of London Underwriters(I.L.U) is translated as “倫敦保險人協會” rather than "伦敦保险协会".