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簡介

 

經營航空貨運承攬運送人業務過程中,對託運貨物之接受、保管、運送人之選定、在目的地之交付及其他與運送有關之事項,有未盡其注意義務情事,依法應負賠償責任而受賠償請求時,保險人對被保險人負保險補償責任。

保障內容

核准日期及文號

  • 97.01.25(97)邦保精字第0123號備查
  • 98.11.23(98)美亞保精字第0001號函備查 
  • 102.03.04(102)美亞保精字第0030號函備查
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍

本保險對於被保險人在保險有效期間內,經營航空貨運承攬運送人業務過程中,對託運貨物之接受、保管、運送人之選定、在目的地之交付及其他與運送有關之事項,有未盡其注意義務情事,致被保險人依法應負賠償責任而在保險期間內受賠償請求時,本公司對下列事項應負賠償責任:

A.對貨物之賠償責任: 
1.因貨物之實質毀損或滅失所致之賠償責任。 
2.因貨物遲延或誤交至錯誤之人或地點所致之賠償責任。 
B.對費用之賠償責任: 
1.被保險人為處理貨物因誤運、誤交、指示或安排錯誤所生之費用。 
2.被保險人向第三人行使追償權所必需之費用。 
C.對附帶損失之賠償責任: 
1.發生第一款第一目情事所引起之附帶損失之賠償責任,但以該次運費總金額為限。 
 

不保事項

本公司對於下列事項不負賠償責任:

A.一般不保事項: 
1.被保險人或其受僱人之惡意或重大過失行為所致之賠償責任。 
2.被保險人或其受僱人之詐欺、背信侵佔或其他犯罪行為致之賠償責任。 
3.被保險人或其受僱人或與被保險人有勞務契約關係之人等,因執行業務而致身體受有傷害疾病或致死亡,或    因而造成財物損失而應負之賠償責任。 
4.因被保險人之侵權行為所致第三人體傷、疾病或死亡或第三人財物受有實質損失之賠償責任。 
5.被保險人所有、管理、控制或租用之任何財產之損失。 
6.被保險人所屬船舶、航空器、其他運輸工具、或與之相關之管理、航行與運作等事項而生之危險。 
7.因戰爭、類似戰爭行為(不論宣戰與否)、敵人侵略、外敵行為、叛亂、內亂、強力霸佔或被徵用所造成之損失。 
8.因罷工、暴動、民眾騷擾所造成之損失。 
9.由於被保險人的無力清償或財務糾紛所引起之損害或費用。 
10.任何由於使用原子或核子分裂及或融合或其他類似反應或放射性的設備所造成的損害或費用。 
11.未依法收回正本提單而交貨之賠償責任。 
12.貨物出口大陸地區因無批文導致海關沒收,所致之損失。 
B.貨物不保事項: 
1.被保險人於運送契約中,對於貨物之毀損、滅失及其遲延所負之賠償責任,若係因託運所申報之價值或特別之指示而增加時,其增加部份。 
2.被保險人對於下列貴重物品之賠償責任: 
a.金銀條(塊) 
b.寶石 
c.紙幣或錢幣 
d.債券或其他可轉換之有價證券 
e.藝術品 
f.牲畜 
g.牲畜 
3.因貨物之固有瑕疵,或由於其固有性質所致損失之賠償責任。 
C.費用不保事項: 
1.被保險人因違反進出口法規所必須支付之關稅、銷售稅、加值稅或其他國家所徵收之費用。 
2.被保險人因違法行為或其他第三人為被保險之利益而為違法行為致被保險人應負之罰鍰或罰金。 
3.被保險人所應負懲罰性質損害之賠償責任。 
D.附帶損失不保事項: 
1.被保險人因侵權行為而致第三人體傷、疾病或死亡、或第三人財產受有實質損害或滅失所引起之附帶損失。 
2.因貨物之遲延裝載、運送或交付致有損失所引起之附帶損失。 
 

銷售予金融消費者之保險商品預定附加費用率: 41.5%

短期費率表

凡保險期間不足一年或投保後終止保險契約者,應按下列之百分比計收保險費

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  保險有效期間 應收全年保險費之百分比

一個月或以下者 15%

超過一個月以上至滿二個月者 25%

超過二個月以上至滿三個月者 35%

超過三個月以上至滿四個月者 45%

超過四個月以上至滿五個月者 55%

超過五個月以上至滿六個月者 65%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十個月以上至滿十一個月者 95%

超過十一個月以上者 100%

保費退費係數表

A.被保險人於投保後要求終止保險契約者,其未滿期之保險費,本公司依全年保費扣除已滿期之保險費後退還之。(已滿期之保險費應按短期費率表計算)。 
B.本公司依規定終止保險契約時,其未滿期之保險費,按未滿期日數比例退還之。

核准日期及文號

  • 100.03.21(100)美亞保精字0052號函備查
  • 102.03.04(102)美亞保精字第0030號函備查
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍
5.1 Risk Insured:

5.1.1 To indemnify the Insured in respect of its legal liability, in respect of the Operations stated under _XX ( how many ) Insured Services to be covered for : 
5.1.1.1 Loss of, or damage to cargo whilst in the care, custody or control of the Insured or a party who has contracted or sub contracted to provide transportation services, 
5.1.1.2 Loss of or damage to cargo, containers, vessels, vehicles, or transport equipment belonging to another party resulting from Clause 5.1.1.1 above: 
5.1.1.3 Consequential loss and/or business interruption resulting from Clause 5.1.1.1 above, but excluding delay in delivery; and also subject to that the Insured is liable as per contracts listed under 5.2; 
5.1.1.4 Cargo's proportion of general average, salvage and/or salvage charges which shall be payable without application of deductible; 
5.1.1.5 Duty payable resulting from Clause 5.1.1.1 
5.1.2 The insurance covers “Errors & Omissions” arising directly from losses due to liability for any other financial loss resulting from partly or totally failing to perform any contractual obligations, for example: 
5.1.2.1 arranging clearance of goods, or assisting the customer in connection herewith 
5.1.2.2 handling and marking of goods, order for neutralization 
5.1.2.3 arranging cargo insurance for the account of the customer 
5.1.2.4 assisting the customer with the necessary documents for export and import 
5.1.2.5 arranging the collection of the “cash on delivery” charge and assisting the customer in arranging the payment of consignment of goods. 
5.1.2.6 giving advice to the customer in matters of transport and distribution 
5.1.2.7 arranging the storage of goods 
5.1.2.8 any other contractual obligation approved by the Insurer with reference to Customer contract clause 5.2 and endorsed to the policy. 
5.1.2.9 Misrouting, mislabeling, misdelivery

不保事項
SPECIAL EXCLUSIONS

7.1. This insurance does not cover liability due to willful misconduct or gross negligence by the Insured or his managers. 
7.2. This insurance does not cover liability either directly or indirectly attributable to earthquake, volcanic eruption, nuclear reaction, radioactivity war, invasion, warlike operations whether there are a declaration of war or not, civil war, mutiny, revolution, civil commotion, riots, strikes or lockouts or acts by person having illegally taken power through a coup.  
7.3. Unless it has been approved by the insurer in advance this policy does not cover liability where the Insured has:  
7.3.1. contracted for an agreed delivery date or time  
7.3.2. contracted for higher limits of liability or greater responsibility other than that notified to and agreed by Insurers  
7.3.3. contracted for an agreed or declared value  
7.3.4. the above exclusions shall apply whether such contract was in writing or not. 
7.3.5. liability arising out of the pre or post dating of a bill of lading/waybill or similar document 
7.3.6. liability for cargo carried on deck unless it has been agreed the cargo will be carried on deck and is being carried on express terms which exonerate the Insured from liability; 
7.3.7. liability for cargo arising out of unlawful or unreasonable deviation from the contractual voyage 
7.3.8. liability arising out of incorrect information as regards 
7.3.8.1 port of loading 
7.3.8.2 port of discharge 
7.3.8.3 voyage route 
7.3.8.4 carrying vessel 
7.3.8.5 description of cargo, weight, number and/or quality 
7.3.8.6 received for shipment or shipped on board date 
7.4 Furthermore, this policy does not cover liability of 
7.4.1 property and/or cargo owned by the Insured 
7.4.2 an operation not previously advised to Insurers and agreed to be covered 
7.4.3 duty, other than under Clause 4.11 above, and/or customs fines or penalties except where covered under the Errors and Omissions Extension. 
7.5 The insurance does not cover the following cargoes: 
7.5.1 Bullion kind precious metal objects 
7.5.2 bank notes, coins, cheques, credit cards 
7.5.3 bonds, negotiable instruments or securities of any kind 
7.5.4 jewelry, works of art, antiques or precious stones except where part of household/personal effects consignment, 
7.5.5 live animals, birds, reptiles and fish, 
7.5.6 cigarettes and ready-made Tobaccos 
7.6 The Errors & Omissions extension excludes a claim against Insurers: 
7.6.1 where the Insured has failed to comply with any warranty or condition precedent under the Policy, or there is an exclusion under the Policy, unless it is expressly stated that such a failure or exclusion shall be covered under the Errors and Omissions extension, 
7.6.2 where the Insured incurs liability for failure to effect insurance, except that where the Insured fails to effect cargo insurance this exclusion shall not apply, provided that the Insured has a valid an Open Cover Cargo Insurance Policy, 
7.6.3 where the Insured invalidates an insurance policy including an Open Cover Cargo insurance Policy, 
7.6.4 where the Insured has made an error in calculating prices or costs or has applied the incorrect freight rate or freight tariff, 
7.6.5 related to ready-made tobaccos or cigarettes

銷售予金融消費者之保險商品預定附加費用率: 41.5%

短期費率表

<>
  保險有效期間 應收全年保險費之百分比

一個月或以下者 15%

超過一個月以上至滿二個月者 25%

超過二個月以上至滿三個月者 35%

超過三個月以上至滿四個月者 45%

超過四個月以上至滿五個月者 55%

超過五個月以上至滿六個月者 65%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十個月以上至滿十一個月者 95%

超過十一個月以上者 100%

保費退費係數表

A.被保險人於投保後要求終止保險契約者,其未滿期之保險費,本公司依全年保費扣除已滿期之保險費後退還之。(已滿期之保險費應按短期費率表計算)。 
B.本公司依規定終止保險契約時,其未滿期之保險費,按未滿期日數比例退還之。

核准日期及文號

  • 97.01.25(97)邦保精字第0116號備查
  • 98.11.23(98)美亞保精字第0001號函備查 
  • 102.03.04(102)美亞保精字第0030號函備查
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍
Risk Insured

Now this policy witness that subject to the terms contained herein or endorsed hereon the underwriters will indemnify the insured against his liability as a freight forwarder and/or NVOCC under the conditions seen and approved by the underwriters for:

A.Loss or destruction of or damage to goods or merchandise occurring during the period of insurance for the insured’s legal liability arising out of the movement or storage of such goods or merchandise and/or

B.Claim or claims which may be made against the insured during the period of insurance for legal liability for mis-direction or mis-delivery of cargo, losses falling under this section are recoverable hereunder only if such losses occurred during the period of insurance.

C.Claim or claims occurring during the period of insurance for consequential loss following loss of destruction of damage to or mis-diection and/or mis-delivery of cargo exception always any liability arising from 
1.loss of or damage to any goods owned by the insured. 
2.Death of or bodily injury to any person or living creature. 
3.Loss of or damage to any property belonging to any third Party other than the goods in transit.  

Provided always that the limit of liability of the underwriters in respect of such indirect or consequential loss shall not exceed in any case in the aggregate during any one annual period of insurance the sum stated in this policy.

D.Claim or claims occurring during the period of insurance for delay in the dispatch, carriage or delivery of cargo except always any liability arising from late delivery or delay in respect of transit for which a delivery time or date is contractually agreed by the insured unless the prior consent of the insurers has been obtained and unless any required additional premium has been paid, provided always that the limit of liability of the insurers in respect of such loss in delay shall not exceed 
1.the carriage charges in respect of the item or items so delivered 
2.in any case in the aggregate during any one annual period of insurance the sum stated in this policy.  
 

不保事項
EXCLUSIONS

This policy shall not indemnify the insured in respect of any claim

1.for libel or slander or 
2.brought about or contributed to by fraudulent criminal or malicious act or omission of the insured or their predecessors in business or any person at any time employed by the insured or their predecessors in business or 
3.for any liability as principal for the charter of the whole or part of any vessel or aircraft or 
4.resulting from the insolvency of the insured or 
5.resulting from any inability of the insured to pay or collect on behalf of their principals or 
6.resulting from any failure of the insured to comply with instructions to effect insurance or 
7.for breach of any duty of care where the claimants had no contract with the insured or 
8.for punitive or exemplary damages 
 

銷售予金融消費者之保險商品預定附加費用率: 41.5%

短期費率表

凡保險期間不足一年或投保後終止保險契約者,應按下列之百分比計收保險費

<>
  保險有效期間 應收全年保險費之百分比

一個月或以下者 15%

超過一個月以上至滿二個月者 25%

超過二個月以上至滿三個月者 35%

超過三個月以上至滿四個月者 45%

超過四個月以上至滿五個月者 55%

超過五個月以上至滿六個月者 65%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十個月以上至滿十一個月者 95%

超過十一個月以上者 100%

保費退費係數表
A.被保險人於投保後要求終止保險契約者,其未滿期之保險費,本公司依全年保費扣除已滿期之保險費後退還之。(已滿期之保險費應按短期費率表計算)。 
B.本公司依規定終止保險契約時,其未滿期之保險費,按未滿期日數比例退還之。

核准日期及文號

  • 100.12.23(100)美亞保精字0421號函備查
  • 102.03.04(102)美亞保精字第0030號函備查
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍 
Risk Insured: 

The Policy shall, subject to the terms conditions warranties limitations exclusions and exceptions of the Policy, cover the Assured’s liabilities and/or costs and expenses and/or other risks defined in the clauses below (“Insured Risks”) provided that they arise in the ordinary course of the Assured performing Insured Services upon Cargo being transported and/or stored within the Territorial Limits and provided that the contract terms governing the Assured’s liability in respect of the loss complained is a law and/or contract specified in the Insured Laws & Contracts section of the Policy Schedule. 
Loss of or Damage to Cargo Clause 
The Policy shall cover the Assured’s liability for actual or alleged physical loss or destruction or deterioration or contamination of or damage to Cargo in transit. 
Errors & Omissions Clause 
The Policy shall cover the Assured's liability for claims made against them by the consignor and/or consignee and/or a customs and excise authority for actual or alleged breach of professional duty by reason of a negligent act or error or omission arising from 
1) the accidental failure of the Assured or their employees to comply with or provide instructions 
2) faulty arrangements accidentally made by the Assured or their employees 
3) clerical errors accidentally made by the Assured or their employees 
4) the accidental provision of incorrect advice or information by the Assured or their employees. 
In respect of claims made against the Assured by a customs and excise authority, cover is limited to claims (which shall include punitive fines unless indemnity is contrary to public policy) arising out of customs processing or any import or export declaration, clearance, quota, refund, or any tax or excise or duty or suspension procedure, or any community/common transit system. 
It is a condition precedent to the Assured’s right of recovery under this Errors & Omissions Clause that, as at the inception of the Policy the Assured is not aware of, or in the ordinary course of their business could not have been aware of, any act or error or omission which occurred on or after the Retrospective Inception Date which may give rise to a claim being made against them, and that the Assured has not received any claim or notice from any person or firm or corporation of an intention to hold the Assured responsible for any actual or alleged act or error or omission. 
In no case shall the Insurer be liable under this Errors & Omissions Clause for an amount greater than the Errors & Omissions Limit of Indemnity specified in the Policy Schedule. 
Embargo and Sanctions Exclusion Clause 
The Insurer are not liable to make any payment for liability under any coverage section of this Policy or make any payment under any Extension for any loss or claim arising in, or where the Assured or any beneficiary under the Policy is a citizen or instrumentality of the government or, any country(ies) against which any laws and/or regulations governing this Policy and/or the Insurer, its parent company or its ultimate controlling entity have established any embargo or other form of economic sanction which have the effect of prohibiting the Insurer to provide insurance coverage, transacting business with or otherwise offering economic benefits to the Assured or any other beneficiary under the Policy. 
It is further understood and agreed that no benefits or payments will be made to any beneficiary(ies) who is/are declared unable to receive economic benefits under the laws and/or regulations governing this Policy and/or the Insurer, its parent company or its ultimate controlling entity. 
Legal Costs & Expenses Clause
The Policy shall cover legal costs and expenses necessarily and reasonably incurred by the Assured with the prior agreement of the Insurer (which agreement may be granted retrospectively at the discretion of the Insurer) in defence of a claim made against the Assured which is recoverable under the Policy. 
If required in a suit that the Insurer is defending, the Insurer shall pay premiums for appeal bonds to release property that is being used to secure a legal obligation. However, the Insurer shall only pay for bonds valued up to the applicable Limit of Indemnity. The Assured shall, in consultation with the Insurer, apply for and furnish such bonds. 
In no case shall the Insurer be liable under this Legal Costs & Expenses Clause for an amount greater than the Legal Costs & Expenses Limit of Indemnity specified in the Policy Schedule. 
Loss Mitigation Costs & Expenses Clause 
The Policy shall cover costs and expenses necessarily and reasonably incurred by the Assured with the prior agreement of the Insurer (which agreement may be granted retrospectively at the discretion of the Insurer), or for which the Assured are liable, with the object of saving, securing, preserving or recovering Cargo in order to prevent or minimise any loss or claim which would be covered under the Policy. 
It is a condition precedent to the Insurer’s liability under this Loss Mitigation Costs & Expenses Clause that such measures taken by the Assured or the Insurer shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice any rights of either party. 
In no case shall the Insurer be liable under this Loss Mitigation Costs & Expenses Clause for an amount greater than the Loss Mitigation Costs & Expenses Limit of Indemnity specified in the Policy Schedule. 
Lien on Cargo Clause
The Policy shall cover the loss of any possessory interest the Assured have in, or any lawful lien the Assured have on, Cargo lost destroyed or damaged whilst in transit or in store. 
It is a condition of the Policy that the Assured notifies the Insurer and obtains their written agreement prior -to the exercising of such a lien. 
Debris Removal Costs Clause
The Policy shall cover costs and expenses necessarily and reasonably incurred by the Assured with the prior agreement of the Insurer (which agreement may be granted retrospectively at the discretion of the Insurer), or for which the Assured are liable, pertaining to the removal and/or recovery of Cargo and/or the removal and/or disposal and/or clean up of the debris thereof, consequent always upon a sudden and accidental occurrence covered by the Policy. 
It is a condition precedent to the Insurer’s liability under this Debris Removal Clause that such measures taken by the Assured or the Insurer shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice any rights of either party. 
Nothing herein shall be deemed to amend the Pollution and Contamination Exclusion Clause in the Exclusions section of the Policy which shall be paramount. 
In no case shall the Insurer be liable under this Debris Removal Clause for an amount greater than the Debris Removal Costs Limit of Indemnity specified in the Policy Schedule. 
General Average and Salvage Clause
The Policy shall cover the Assured's liability for cargo's proportion of general average and/or salvage where the Assured is liable to pay such proportion on cargo's behalf. 
In respect of groupage shipments only, the Insurer shall at the request of the Assured sign and issue general average guarantees or salvage bonds in order to expedite the release of a groupage shipment. It is a condition of the Policy that unless the Insurer has given their express prior approval, the Assured shall not release such Cargo until they are in receipt of general average guarantees or salvage bonds from the individual cargo owner or their marine insurers. This extension shall only apply where the Assured are the groupage operator. 
The liability of the Insurer in respect of amounts recoverable under this General Average and Salvage Clause shall be limited to the amount that the Assured is unable to recover from the consignee or consignor or other cargo interests, or the relevant Limit of Indemnity, whichever the lesser.  
 Assured’s Own Transport Equipment Clause
Provided that the Assured’s Own transport Equipment has been declared to the Insurer and premium paid thereon (as specified in the Declared Values section of the Policy Schedule), the Policy shall cover physical loss of or damage to the Assured’s Own Transport Equipment arising in the ordinary course of the Assured performing Insured Services. 
Unless caused directly by a sudden and accidental event which is covered by the Policy, in no case shall the Policy cover any actual or alleged claim loss damage liability or expense directly or indirectly caused by or contributed to by or arising from bending or twisting or any distortion or tangling or like damage, or any claim for the cost of any repainting recoating or repolishing. 
In no case shall the Policy cover any actual or alleged claim loss damage liability or expense reasonably attributable to the ordinary wear tear and/or gradual deterioration and/or depreciation of the Assured’s Own Transport Equipment. 
If at the time of loss the total value of the Assured’s Own Transport Equipment exceeds the amount declared to the Insurer (as specified in the Declared Values section of the Policy Schedule), then the Assured shall be considered as being their own insurer for the difference and shall bear a proportionate share of the claim accordingly. 
Subject to prior notification to and acceptance by the Insurer, and on terms and conditions to be agreed, the Policy shall extend to cover physical loss of or damage to other property of the Assured such as but not limited to office furniture and equipment, computer equipment, packaging materials, racking and cargo handling equipment whilst such property is in transit or store within the Territorial Limits. 
The amount recoverable under this Assured’s Own Transport Equipment Clause shall be the reasonable cost of repair or the replacement value of a like item, whichever the lesser. 
In no case shall the Insurer be liable under this Assured’s Own Transport Equipment Clause for an amount greater than the Assured’s Own Transport Equipment Limit of Indemnity specified in the Policy Schedule.  
 Leased Trailers & Equipment Clause
Provided that Leased Trailers & Equipment has been declared to the Insurer and premium paid thereon (as specified in the Declared Values section of the Policy Schedule), the Policy shall cover the Assured’s liability to lessors under a loan or lease or hire agreement for physical loss of or damage to or continuing hire charges in respect of Leased Trailers & Equipment arising in the ordinary course of the Assured performing Insured Services. 
Unless caused directly by a sudden and accidental event for which the Assured is liable and which is covered under the Policy, in no case shall the Policy cover any actual or alleged loss damage liability or expense directly or indirectly caused by or contributed to by or arising from bending or twisting or puncturing or like damage, or any distortion or tangling, or any mechanical or electrical or electronic breakdown or failure or derangement, or any claim for the cost of any repainting or recoating or repolishing, or any damage to tyres including any cutting or puncturing or bursting or any damage resulting from braking. 
In no case shall the Policy cover any actual or alleged claim loss damage liability or expense reasonably attributable to the ordinary wear tear and/or gradual deterioration and/or depreciation of the Leased Trailers & Equipment. 
Except in respect of continuing hire charges, in no case shall the Policy cover any actual or alleged claim loss damage liability or expense directly or indirectly caused by or contributed to by or arising from any actual or alleged financial loss incurred by the lessor or any other party whatsoever. 
If at the time of loss the total value of all Leased Trailers & Equipment exceeds the amount declared to the Insurer (as specified in the Declared Values section of the Policy Schedule), then the Assured shall be considered as being their own insurer for the difference, and shall bear a proportionate share of the claim accordingly. 
The amount recoverable under this Leased Trailers & Equipment Clause shall be the amount for which the Assured is liable to the lessor in terms of the hire agreement, or the reasonable cost of repair or the replacement value of a like item, whichever the lesser, plus continuing hire charges where applicable. 
In no case shall the Insurer be liable under this Leased Trailers & Equipment Clause for an amount greater than the Leased Trailers & Equipment Limit of Indemnity specified in the Policy Schedule.  
 Employee Tools & Personal Effects Clause
The Policy shall covers costs and expenses reasonably and necessarily incurred by the Assured in compensating their employees for loss of or damage to their tools and/or personal effects whilst in a vehicle operated by the Assured provided that the employee is engaged in business on the Assured’s behalf at the time of loss. 
In no case shall the Policy cover any actual or alleged claim loss damage liability or expense directly or indirectly caused by or contributed to by or arising from: 
1) a vehicle left unattended unless all doors, windows and other openings of the vehicle were closed and securely locked and that a door, window, opening, lock or fastener has been opened by violent and forcible means 
2) any ordinary wear tear and/or gradual depreciation. 
The liability of the Insurer in respect of amounts recoverable under this Employee Tools & Personal Effects Clause shall be limited to the reasonable cost of repair or the replacement cost of a like item, whichever the lesser. 
In no case shall the Insurer be liable under this Employee Tools & Personal Effects Clause for an amount greater than the Employee Tools & Personal Effects Limit of Indemnity specified in the Policy Schedule. 

不保事項
EXCLUSIONS

RESTRICTED CARGO 
1) Any time sensitive or critical written material or documents for example, but without prejudice to the generality of this clause, bids and/or contract proposals and/or designs and/or patterns and/or plans and/or manuscripts and all other documents. 
2) Antiques and/or Fine Art unless the individual item value is less than USD 1,000. 
3) Alcoholic beverages, with the exception of beer and wine. 
4) Bulk cargoes of every description unless carried in ISO tank containers or purpose built road or rail tank conveyances. 
5) Cigarettes, cigars and any other tobacco products. 
6) Computer chips and/or Computer Processing Units (CPU’s) and/or lap top computers and/or mobile/cellular telephones and/or MP3 players. 
7) Deeds and/or securities and/or treasury notes and/or any other cash equivalents and/or tickets and/or vouchers and/or stamps and/or duty stamps and the like. 
8) Jewellery and/or watches unless the individual item value is less than USD 500.

EXCLUDED CARGO
1) Money and/or coins of every description. 
2) Livestock and/or bloodstock and/or living creatures. 
3) Precious Metals and items that are made from or which may include Precious Metals 
4) Precious or Semi-precious Stones or items that are made from or which may include Precious or Semi-precious Stones 
5) Any Cargo whilst being transported under its’ own power or whilst being towed on its’ own axle for example, but without prejudice to the generality of this clause, motor vehicles, motor cycles, caravans, horse boxes and trailers. 
6) Any Cargo that is owned or hired by or leased or loaned to the Assured

TERRITORIAL LIMITS
Anywhere in the world with the exception of, Burma (Myanmar), Cuba, Iran, Iraq, North Korea, Sudan, Syria and/or any country which is the subject of United Nations and/or United States of America economic sanctions or trade embargo. 
 

銷售予金融消費者之保險商品預定附加費用率: 41.5%

短期費率表

凡保險期間不足一年或投保後終止保險契約者,應按下列之百分比計收保險費

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  保險有效期間 應收全年保險費之百分比

一個月或以下者 15%

超過一個月以上至滿二個月者 25%

超過二個月以上至滿三個月者 35%

超過三個月以上至滿四個月者 45%

超過四個月以上至滿五個月者 55%

超過五個月以上至滿六個月者 65%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十個月以上至滿十一個月者 95%

超過十一個月以上者 100%