保险条款是国际货物买卖合同的重要组成部分之一，它涉及买卖双方的利益。一般来说，保险条款所涉及的内容有保险金额、投保险别、保险费、保险单证和保险适用条款等。保险金额(Amount Insured)是指保险公司可能赔偿的最高金额，习惯上按发票金额加一成(10％)
保险条款是国际货物买卖合同的重要组成部分之一，它涉及买卖双方的利益。一般来说，保险条款所涉及的内容有保险金额、投保险别、保险费、保险单证和保险适用条款等。保险金额(Amount Insured)是指保险公司可能赔偿的最高金额，习惯上按发票金额加一成(10％)预期利润和业务费用。
一、常用条款约定
1、Insurance: To be covered by the Seller for 110 percent of the invoice value against War Risks and Strike Risk as per Institute Cargo Clauses.||8.保 险：由卖方根据货物协会条款投保一切险和战争险、罢工险，保险额为商业发票金额的110%。
Insurance：To be covered by the___for 110% of thefull invoice value against_______.
3、
Except in cases where the insurance is covered by the Buyers as arranged, insurance is to be covered by the Sellers with a Chinese insurance company. If insurance for additional amount and /or for other insurance terms is required by the Buyers, prior notice to this effect must reach the Sellers before shipment and is subject to the Sellers’ agreement, and the extra insurance premium shall be for the Buyers’ account.
4、保险：由买方投保
5、INSURANCE: To be covered by the seller for110% of invoice value against All Risks and war risks.运输保险：由卖方负责按发票金额的110%投保一切险及战争险。
6、…risks clauses of the P.I.C.C. subject to C.I.C.
根据中国人民保险公司的保险条款投保……险
7、marine insurance policies or certificates in negotiable form, for 110%
full CIF invoice covering the risks of War & W.A. as per the People's Insurance
Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims
payable in （at） Kuala Lumpur in the currency of draft （irrespective of
percentage）
作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。按照汇票所使用的货币在吉隆坡赔付（无免赔率）
8、insurance policy or certificate settling agent's name is to be indicated,
any additional premium to cover uplift between 10 and 17% may be drawn in excess
of the credit ualue
保险单或凭证须表明理赔代理人的名称，保险费如增加10-17%可在本证金额以外支付
9、insurance policy （certificate） … Name of Assured to be showed: A.B.C.Co.
Ltd. 保险单或凭证作成以A.B.C.有限公司为被保险人
10、insurance policy or certificate covering W.A. （or F.P.A.） and war risks as
per ocean marine cargo clause and ocean marine cargo war risk clauses of the
People's Insurance Company of China dated 1/1/1981
保险单或凭证根据中国人民保险公司1981年1月1日的海洋运输货物保险条款和海洋运输货物战争险条款投保水渍险（或平安险）和战争险
11、insurance policy/certificate covering all war mines risks
保险单/凭证投保一切险、战争险、地雷险（注：mines解释为地雷，属于战争险的负责范围，可以接受）
12、W.A. this insurance must be valid for period of 60 days after the
discharge of goods
13、in triplicate covering all risks and war risks including W.A. and breakage
in excess of five per cent on the whole consignment and including W/W up to
buyer's godown in Penang
投保一切险和战争险包括水渍险，破碎损失有5%绝对免赔率，按全部货物计算，包括仓至仓条款，负责到买方在槟城的仓库为止（的保险单）一式三份
14、insurance policy issued of endorsed to order … for the face value of
invoice plus 10% covering including war with 15 days after arrival of goods at
destination, only against FPA and T.P.N.D.
按发票面值加10%投保战争险，货物到达目的地后15天有效，仅负责平安险和盗窃提货不着险的保险单开给或背书给……
15、insurance policy or certificate issued by an insurance Co. with W.P.A.
clause covering the merchandise for about 10% above the full invoice value
including unlimited transhipment with claims payable at Singapore
由保险公司签发的保险单或凭证按发票总金额另加10%投保水渍险，包括非限定转船的损失，在新加坡赔付
16、covering all eventual risks 投保一切以外风险
17、covering all marine risks 投保一切海运风险
18、marine insurance policy including "both ot blame" collision clauses and
fully covering the shipment 海运保险单包括负责船舶互撞条款和全部货载
19、insurance … including deviation clauses 保险包括绕道条款
20、covering overland transportation all risks as per overland transportation
cargo insurance clauses （train, trucks） of the People's Insurance Company of
China dated…
按照中国人民保险公司×年×月×日陆上运输货物保险条款（火车、汽车）投保陆上运输一切险
21、covering air transportation all risk as per air transportation cargo
insurance clauses of P.I.C.C.
按照中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切险
22、insurance policy or certificate covering parcel post all risks including
war risks as per parcel post insurance clauses and parcel post war risk
insuracne clauses of the People's Insurance Company of China dated…
保险单或凭证按照中国人民保险公司×年×月×日邮包保险条款和邮包战争险条款投保邮包一切险和邮包战争险
23、covering all risks including war risks as per ocean marine cargo clauses
and air transportation cargo insurance clauses and ocean marine cargo war risk
clauses and air transportation cargo war risk clauses of the People's Insurance
Company of China dated…
按照中国人民保险公司×年×月×日海洋运输货物保险条款和航空运输货物保险条款以及海洋运输货物战争险条款和航空运输货物战争险条款投保海空联运一切险和战争险
24、covering all risks as per ocean marine cargo clauses and overland
transportation cargo insurance clause （train, truck） of P.I.C.C. dated…
按照中国人民保险公司×年×月×日海洋运输货物保险条款和陆上运输货物保险条款（火车、汽车）投保海陆联运一切险
25、covering all risks including war risks as per overland transportation
cargo insurance clauses （train,truck） and air transportation cargo insurance
clauses and air transportation cargo war risk clause and war clauses （for cargo
transportation by rail） of the People's Insurance Company of China dated…
按照中国人民保险公司×年×月×日陆运货物保险条款（火车、汽车）和空运货物保险条款以及空运货物战争险条款和铁路货运战争条款投保陆空陆联运一切险和战争险
26、including shortage in weight in excess of 0.5%（with 0.5% franchise） on the
whole consignment 包括短量损失有0.5%绝对免赔率（0.5%相对免赔率），按全部货物计算
27、including risk of breakage and clashing 包括破裂或凹瘪险
28、including risk of chipping & denting 包括碎裂或凹弯险
29、including risk of bad odour 包括恶味险
30、including damage by hooks, oils, muds and contact with other cargo（insured
value）包括钩损、油污、泥污以及和他物接触所致的损失（以保险价值为限）
31、including damage caused by rain fresh and/or water, internal combustion（total or partial loss）
32、including loss and/or damage caused by sea water, fresh-water, acid,grease
包括海水、淡水、酸蚀、油脂所致的损失
33、including T.P.N.D. loss and/or damage caused by heat, ship's sweat and
odour, hoop-rust, breakage of packing
34、including damage caused by infestation mould 包括虫蛀霉烂的损失
35、including damage due to rough handling during transit subject to C.T.C.
按照中国保险条款包括运输途中操作不当所致的损失
36、including loss and/or damage from any external cause as per CIC
按照中国保险条款包括外来原因所致的损失
37、including damage by slings, stains, grease, acids
包括吊具、斑污、油脂、酸蚀造成的损失
38、excluding risk of breakage 不包括破碎险
39、including the breakage does not cover the goods remarked in th invoice as
originally damage 包括破碎险，但不负责发票所示之货物的原残损失
40、excluding natural loss in weight 不包括途耗短量的损失
41、including 60 days after discharge of the goods at port of destination （or
at station of destination） subject to C.T.C.
按照中国保险条款货物在目的港卸船（或在目的地车站卸车）后60天为止
42、including W.A. & risk of fire for 60 days in customs warehouse after
discharge of the goods at port of destination subject to CIC
按照中国保险条款投保水渍险和火险，在目的港卸货后存入海关仓库60天为止
43、this insurance must be valid for a period of 60 days after arrival of
merchandise at inland destination 本保险扩展到货物到达内地的目的地后60天有效
44、insurance policy or certificate covering F.P.A. including the risk of war
and risks of S.R.C.C. as per I.C.C. dated…and institute war clauses dated…and
institute S.R.C.C. clauses dated…
按照×年×月×日伦敦保险学会条款和×年×月×日学会战争险条款以及×年×月×日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险
45、the People's Insurance Company of China investment insurance （political
risks） clauses
46、property insurance clauses 财产保险条款
47、the People's Insurance Company of China Erection all risks clauses
中国人民保险公司安装工程一切险条款
48、the People's Insurance Company of China contractors all risks clauses
中国人民保险公司建筑工程一切险条款
二、险别
（1）free from particular average （F.P.A.） 平安险
（2）with particular average （W.A.） 水渍险（基本险）
（3）all risk 一切险（综合险）
（4）total loss only （T.L.O.） 全损险
（5）war risk 战争险
（6）cargo（extended cover）clauses 货物（扩展）条款
（7）additional risk 附加险
（8）from warehouse to warehouse clauses 仓至仓条款
（9）theft,pilferage and nondelivery （T.P.N.D.） 盗窃提货不着险
（10）rain fresh water damage 淡水雨淋险
（11）risk of shortage 短量险
（12）risk of contamination 沾污险
（13）risk of leakage 渗漏险
（14）risk of clashing & breakage 碰损破碎险
（15）risk of odour 串味险
（16）damage caused by sweating and/or heating 受潮受热险
（17）hook damage 钩损险
（18）loss and/or damage caused by breakage of packing 包装破裂险
（19）risk of rusting 锈损险
（20）risk of mould 发霉险
（21）strike, riots and civel commotion （S.R.C.C.） 罢工、暴动、民变险
（22）risk of spontaneous combustion 自燃险
（23）deterioration risk 腐烂变质险
（24）inherent vice risk 内在缺陷险
（25）risk of natural loss or normal loss 途耗或自然损耗险
（26）special additional risk 特别附加险
（27）failure to delivery 交货不到险
（28）import duty 进口关税险
（29）on deck 仓面险
（30）rejection 拒收险
（31）aflatoxin 黄曲霉素险
（32）fire risk extension clause-for storage of cargo at destination Hongkong,
including Kowloon, or Macao
出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款
（33）survey in customs risk 海关检验险
（34）survey at jetty risk 码头检验险
（35）institute war risk 学会战争险
（36）overland transportation risks 陆运险
（37）overland transportation all risks 陆运综合险
（38）air transportation risk 航空运输险
（39）air transportation all risk 航空运输综合险
（40）air transportation war risk 航空运输战争险
（41）parcel post risk 邮包险
（42）parcel post all risk 邮包综合险
（43）parcel post war risk 邮包战争险
（44）investment insurance（political risks） 投资保险（政治风险）
（45）property insurance 财产保险
（46）erection all risks 安装工程一切险
（47）contractors all risks 建筑工程一切险
2.the stipulations for insurance 保险条款
（1）marine insurance policy 海运保险单
（2）specific policy 单独保险单
（3）voyage policy 航程保险单
（4）time policy 期限保险单
（5）floating policy （or open policy） 流动保险单
（6）ocean marine cargo clauses 海洋运输货物保险条款
（7）ocean marine insurance clauses （frozen products）
海洋运输冷藏货物保险条款
（8）ocean marine cargo war clauses 海洋运输货物战争险条款
（9）ocean marine insurance clauses （woodoil in bulk）
海洋运输散装桐油保险条款
（10）overland transportation insurance clauses （train, trucks）
陆上运输货物保险条款（火车、汽车）
（11）overland transportation insurance clauses （frozen products）
（12）air transportation cargo insurance clauses 航空运输货物保险条款
（13）air transportation cargo war risk clauses 航空运输货物战争险条款
（14）parcel post insurance clauses 邮包保险条款
（15）parcel post war risk insurance clauses 邮包战争保险条款
（16）livestock & poultry insurance clauses （by sea, land or air）
活牲畜、家禽的海上、陆上、航空保险条款
