with particular average (WA, WPA); with average

简明释义

水渍险 ［承保单独海损］

英英释义

例句

1.Please ensure that the contract specifies coverage with average to avoid any misunderstandings.

请确保合同中明确规定了按平均的覆盖范围，以避免任何误解。

2.The insurance policy covers damages to the cargo with particular average (WA, WPA), ensuring that specific risks are included.

该保险政策涵盖对货物的损害按特定平均（WA，WPA），确保包括特定风险。

3.Our shipment was protected with particular average (WA, WPA) due to the high risk of damage during transit.

由于运输过程中损坏的高风险，我们的货物得到了按特定平均（WA，WPA）的保护。

4.The yacht was insured with average, which means it is covered for total loss only.

这艘游艇的保险是按平均，这意味着仅覆盖全损。

5.When shipping valuable items, it's crucial to insure them with particular average (WA, WPA) to protect against partial losses.

在运输贵重物品时，投保它们按特定平均（WA，WPA）至关重要，以防止部分损失。

作文

In the world of maritime insurance, the terms with particular average (WA, WPA); with average play a crucial role in defining the coverage of marine policies. Understanding these terms is essential for shipowners, insurers, and anyone involved in the shipping industry. This essay aims to elucidate the meanings and implications of these terms, highlighting their significance in maritime trade. Firstly, let us break down the term with particular average (WA, WPA); with average. In essence, 'particular average' refers to specific losses that occur during the voyage, which are not covered by the standard insurance policy. These losses can arise from various circumstances, such as damage to the ship or cargo due to accidents, weather conditions, or other unforeseen events. When a policy states that it is 'with particular average,' it indicates that the insurer will cover these specific losses, but only under certain conditions. On the other hand, 'with average' generally implies a broader coverage that includes both particular average and general average. General average is a principle in maritime law where all parties involved in a maritime venture share the losses resulting from a voluntary sacrifice made to save the whole venture. For example, if a ship encounters a storm and the captain decides to jettison some cargo to prevent the ship from sinking, all parties who have a stake in the cargo must share the loss of the jettisoned goods. Thus, when a policy is described as 'with average,' it suggests that the insurer will cover losses incurred under both particular and general average conditions. The distinction between these terms is significant because it affects the level of risk that shipowners and cargo owners are willing to take. If a shipowner opts for insurance 'with particular average,' they may save on premiums, but they also expose themselves to greater risk, as not all losses will be compensated. Conversely, choosing a policy 'with average' offers more comprehensive protection, albeit at a higher cost. Therefore, understanding these terms helps stakeholders make informed decisions regarding their insurance needs. Moreover, the implications of these terms extend beyond individual policies. They influence the overall dynamics of maritime trade. For instance, if more shipowners choose policies with limited coverage ('with particular average'), it could lead to increased financial strain on the shipping industry, particularly in times of crisis. On the contrary, widespread adoption of 'with average' policies could foster a more resilient maritime sector, as stakeholders would be better protected against unforeseen losses. In conclusion, the terms with particular average (WA, WPA); with average are vital in the context of maritime insurance. They define the extent of coverage provided to shipowners and cargo owners, influencing their risk management strategies and the overall health of the maritime industry. A thorough understanding of these terms is imperative for all parties involved in maritime trade, as it enables them to navigate the complexities of insurance and make sound decisions that protect their interests. As the global shipping landscape continues to evolve, staying informed about such terminologies will be key to ensuring sustainable growth and stability in the maritime sector.

在海事保险的世界中，术语with particular average (WA, WPA); with average在定义海洋保单的覆盖范围方面起着至关重要的作用。理解这些术语对于船东、保险公司以及任何参与航运行业的人来说都是必不可少的。本文旨在阐明这些术语的含义和影响，突出它们在海上贸易中的重要性。 首先，让我们分解一下术语with particular average (WA, WPA); with average。本质上，“特定平均”指的是在航程中发生的具体损失，这些损失不在标准保险政策的覆盖范围内。这些损失可能由于各种情况而发生，例如由于事故、天气条件或其他不可预见事件导致船只或货物受损。当一项政策声明为“特定平均”时，这表明保险公司将承保这些具体损失，但仅在某些条件下。 另一方面，“平均”通常意味着更广泛的覆盖范围，包括特定平均和一般平均。一般平均是海事法中的一个原则，在该原则下，所有参与海事风险的各方共同承担因自愿牺牲而造成的损失，以拯救整个冒险。例如，如果一艘船遇到风暴，船长决定抛弃一些货物以防止船只沉没，那么所有对货物有利益关系的各方必须共同承担被抛弃货物的损失。因此，当一项政策被描述为“平均”时，这表明保险公司将承保在特定和一般平均条件下发生的损失。 这些术语之间的区别是重要的，因为它影响船东和货物所有者愿意承担的风险水平。如果船东选择“特定平均”的保险，他们可能会节省保费，但他们也会面临更大的风险，因为并非所有损失都会得到赔偿。相反，选择“平均”政策则提供了更全面的保护，尽管成本较高。因此，理解这些术语有助于利益相关者就其保险需求做出明智的决策。 此外，这些术语的影响超越了个别政策。它们影响海上贸易的整体动态。例如，如果更多的船东选择有限覆盖范围的政策（“特定平均”），这可能会导致航运业在危机时期的财务压力增加。相反，广泛采用“平均”政策可能会促进海上行业的韧性，因为利益相关者将更好地保护自己免受不可预见的损失。 总之，术语with particular average (WA, WPA); with average在海事保险的背景下至关重要。它们定义了提供给船东和货物所有者的覆盖范围，影响他们的风险管理策略和海事行业的整体健康状况。对这些术语的透彻理解对于所有参与海上贸易的各方都是必要的，因为这使他们能够驾驭保险的复杂性，并做出保护自身利益的合理决策。随着全球航运格局的不断发展，了解此类术语将是确保海事部门可持续增长和稳定的关键。