free of particular average

简明释义

平安险

英英释义

例句

1.When shipping valuable goods, it’s risky to go with a policy that is free of particular average.

在运输贵重货物时，选择不承担特别平均损失的保险是有风险的。

2.For our shipment, we opted for coverage that is free of particular average to save on premiums.

对于我们的货物运输，我们选择了不承担特别平均损失的保险，以节省保费。

3.The insurance policy is free of particular average, meaning only total losses are compensated.

这份保险政策是不承担特别平均损失的，这意味着只有全损才会得到赔偿。

4.The cargo was insured under a policy that is free of particular average.

货物的保险政策是不承担特别平均损失的。

5.In maritime insurance, a vessel sailing free of particular average will not cover minor damages.

在海上保险中，航行的船只如果是不承担特别平均损失，则不会覆盖小额损失。

作文

In the world of maritime insurance, the term free of particular average is a crucial concept that every shipowner and cargo owner should understand. This term essentially refers to a type of insurance coverage that protects against partial losses of a vessel or its cargo, but only under specific conditions. It is essential for stakeholders in the shipping industry to grasp the implications of this term to make informed decisions regarding their insurance policies.To elaborate, when a vessel is said to be free of particular average, it means that the insurance policy does not cover losses that occur due to ordinary perils of the sea, unless those losses are significant enough to warrant a total loss claim. For instance, if a shipment of goods is damaged due to rough weather or minor accidents, the owner would not be compensated under a policy that is free of particular average. This clause is often included in marine insurance contracts to limit the insurer's liability and reduce the premium costs for the insured party.Understanding the nuances of free of particular average is particularly important for businesses involved in international trade. When shipping goods across oceans, companies must decide on the level of risk they are willing to accept and the extent of coverage they require. A policy that is free of particular average may seem appealing due to lower premiums, but it can expose the company to considerable financial risks in the event of partial losses.Moreover, it is vital to differentiate between free of particular average and other types of coverage. For example, a policy that includes 'general average' coverage provides protection against losses incurred during extraordinary circumstances, such as when cargo is jettisoned to save the ship. In contrast, free of particular average policies do not provide this level of protection, which can lead to significant out-of-pocket expenses for the cargo owner if an incident occurs.In conclusion, while choosing an insurance policy, it is imperative for stakeholders in the maritime industry to carefully consider the implications of free of particular average. This term signifies a limitation on coverage that can result in substantial financial risk in the face of minor incidents. Therefore, understanding this concept is essential for making informed decisions that protect both the vessel and its cargo. By weighing the pros and cons of different insurance options, businesses can safeguard their interests while navigating the complexities of international shipping.

在海上保险的世界里，术语free of particular average是每个船东和货物所有者都应该理解的重要概念。这个术语基本上指的是一种保险覆盖，保护船只或其货物的部分损失，但仅在特定条件下。对于航运行业的利益相关者来说，掌握这一术语的含义至关重要，以便在保险政策方面做出明智的决定。具体来说，当一艘船被称为free of particular average时，这意味着保险政策不涵盖由于海洋的普通危险而造成的损失，除非这些损失足够重大，值得提出全部损失索赔。例如，如果一批货物因恶劣天气或小事故而受损，则在一项free of particular average的政策下，所有者将不会获得赔偿。此条款通常包含在海洋保险合同中，以限制保险公司的责任并降低被保险方的保费成本。理解free of particular average的细微差别对于参与国际贸易的企业尤为重要。在跨越海洋运输货物时，公司必须决定他们愿意接受的风险水平以及所需的覆盖范围。虽然free of particular average的政策由于保费较低而显得诱人，但在发生部分损失时，它可能会使公司面临相当大的财务风险。此外，区分free of particular average与其他类型的保险覆盖也至关重要。例如，包含“共同海损”保障的政策提供了对在特殊情况下发生的损失的保护，例如为了拯救船只而抛弃货物。相比之下，free of particular average政策不提供这种级别的保护，这可能导致货物所有者在发生事故时承担巨额自付费用。总之，在选择保险政策时，海事行业的利益相关者必须仔细考虑free of particular average的含义。这个术语意味着对覆盖的限制，这在轻微事件发生时可能导致可观的财务风险。因此，理解这一概念对于做出保护船只及其货物的明智决策至关重要。通过权衡不同保险选项的利弊，企业可以在应对国际航运复杂性时保护自己的利益。