free from particular average unless caused by

简明释义

单独海损不保除非造成的

英英释义

例句

1.The agreement specifies that losses are free from particular average unless caused by fire or explosion.

协议明确规定，损失是不承担特定平均损失的，除非是火灾或爆炸造成的。

2.Insurance claims will be free from particular average unless caused by acts of war.

保险索赔将不承担特定平均损失，除非是战争行为造成的。

3.In maritime law, the vessel is free from particular average unless caused by bad weather conditions.

在海商法中，船只在恶劣天气条件下是不承担特定平均损失的。

4.The cargo insurance policy states that it is free from particular average unless caused by negligence during loading.

货物保险政策规定，除非因装载过程中疏忽造成，否则该政策是不承担特定平均损失的。

5.The terms of the contract indicate that damages are free from particular average unless caused by human error.

合同条款表明，损害是不承担特定平均损失的，除非是人为错误造成的。

作文

In the world of maritime insurance, understanding specific terms and conditions is crucial for shipowners and insurers alike. One such term that often arises in the context of marine insurance is free from particular average unless caused by. This phrase essentially means that the insured party will not receive compensation for certain types of losses unless they are caused by specified events or conditions. The concept of 'particular average' refers to partial loss or damage to a ship or its cargo that is not covered by general average, which involves shared losses among all parties involved in a maritime venture. Therefore, when a policy states that it is free from particular average unless caused by certain factors, it implies that the insurer is only liable for losses that fall under those specified circumstances.To illustrate, consider a scenario where a cargo ship encounters rough weather and suffers damage to its cargo. If the insurance policy includes the clause free from particular average unless caused by severe weather conditions, the insurer would only cover the losses if it can be proven that the damage was indeed caused by the storm and not by some other negligence or pre-existing condition. This creates a clear boundary for both the insurer and the insured regarding what is covered and what is not.Understanding this phrase is vital for shipowners who need to assess their risk exposure and ensure they have adequate coverage for potential losses. It emphasizes the importance of clarity in insurance contracts and the necessity for shipowners to be aware of the specific exclusions that may apply to their policies. For instance, if a shipowner knows that their policy is free from particular average unless caused by fire, they might take extra precautions to mitigate risks associated with fire hazards on board.Moreover, this phrase also highlights the need for thorough documentation and evidence when filing claims. In cases where an incident occurs, the burden of proof lies with the insured to demonstrate that the loss falls within the parameters set by the insurance policy. This could involve providing weather reports, maintenance records, and other relevant documentation to substantiate their claim.In conclusion, the term free from particular average unless caused by serves as a critical reminder for stakeholders in the maritime industry to fully understand the implications of their insurance agreements. By grasping the nuances of such phrases, shipowners can better navigate the complexities of marine insurance, ensuring they are adequately protected against unforeseen circumstances while also being aware of the limitations of their coverage. Ultimately, this knowledge empowers them to make informed decisions that can significantly impact their financial stability and operational success in the highly unpredictable world of maritime trade.

在海事保险的世界中，理解特定的术语和条件对船东和保险公司来说至关重要。一个经常出现在海洋保险背景下的术语是除非由于某些原因，否则免于特殊平均损失。这个短语的基本意思是，除非由特定事件或条件引起，投保方将不会因某些类型的损失而获得赔偿。“特殊平均损失”这一概念指的是船舶或其货物的部分损失或损坏，这种损失不受一般平均损失的保护，而一般平均损失涉及所有参与海事事业的各方之间的共同损失。因此，当一项政策声明为除非由于某些原因，否则免于特殊平均损失时，这意味着保险公司仅对那些在这些特定情况下发生的损失负责。为了说明这一点，考虑一下这样的场景：一艘货船遭遇恶劣天气，货物受到损害。如果保险政策包含除非由于某些原因，否则免于特殊平均损失的条款，保险公司将仅在能够证明损害确实是由风暴造成的情况下承担损失，而不是由于其他疏忽或先前存在的情况。这为保险公司和被保险人之间关于什么是覆盖和什么不是覆盖创造了明确的界限。理解这个短语对于船东评估其风险暴露并确保他们拥有足够的潜在损失保险至关重要。它强调了保险合同中清晰度的重要性，以及船东需要意识到可能适用于其政策的具体排除条款。例如，如果船东知道他们的政策是除非由于某些原因，否则免于特殊平均损失火灾，他们可能会采取额外的预防措施来减轻与船上火灾风险相关的风险。此外，这个短语还强调了在申请索赔时进行全面文档记录和证据收集的必要性。在发生事故的情况下，举证责任在于被保险人，必须证明损失符合保险政策所设定的参数。这可能涉及提供天气报告、维护记录和其他相关文件，以支持他们的索赔。总之，术语除非由于某些原因，否则免于特殊平均损失作为海事行业利益相关者的一个重要提醒，让他们充分理解保险协议的含义。通过掌握这些短语的细微差别，船东可以更好地应对海洋保险的复杂性，确保在面对不可预见的情况时得到充分保护，同时也意识到其保险范围的局限性。最终，这种知识使他们能够做出明智的决策，这可能会显著影响他们在高度不可预测的海洋贸易世界中的财务稳定性和运营成功。