free of particular average

简明释义

单独海损不保

英英释义

例句

1.Our cargo was shipped free of particular average, which means we are responsible for any minor damages during transit.

我们的货物是在不承担特定平均损失的情况下运输的，这意味着我们对运输过程中的任何小损坏负责。

2.When shipping goods internationally, it's important to select a policy that is free of particular average to avoid unnecessary claims.

在国际运输货物时，选择一份不承担特定平均损失的保单是很重要的，以避免不必要的索赔。

3.The yacht insurance policy is designed to be free of particular average, ensuring that small damages are not covered.

这份游艇保险政策旨在不承担特定平均损失，确保小损失不被赔偿。

4.The insurance company informed us that the policy we chose is free of particular average, limiting our coverage.

保险公司告知我们，我们选择的保单是不承担特定平均损失的，这限制了我们的保障范围。

5.If you want comprehensive coverage, you should avoid policies that are free of particular average.

如果你想要全面的保障，应该避免选择不承担特定平均损失的保单。

作文

In the world of maritime insurance, the term free of particular average plays a crucial role in defining the extent of coverage provided to shipowners and cargo owners. To understand this term better, it is essential to delve into the concepts of marine insurance and average. Marine insurance is designed to protect against the loss or damage of ships, cargo, and other maritime interests. One of the key components of this insurance is the concept of 'average,' which refers to the losses that can occur during maritime transport. There are two main types of average: general average and particular average. General average occurs when a sacrifice is made for the common good of all parties involved in a maritime venture, such as when cargo is intentionally thrown overboard to save a sinking ship. In contrast, particular average refers to losses that affect only a specific part of the cargo or a single vessel, without benefiting the collective interests of all parties. When a policy states that it is free of particular average, it indicates that the insurer will not cover losses that are solely related to particular average incidents. This means that if a ship encounters damage or if cargo is lost due to circumstances that do not involve a general average situation, the insurer is not liable for those losses. This clause is often included in marine insurance policies to limit the insurer's exposure to claims and to provide a clearer understanding of what is covered under the policy. For cargo owners, understanding the implications of being free of particular average is vital. It means that they must be prepared to bear the costs of any losses that arise from particular average events. For instance, if a shipment of goods is damaged due to rough seas or poor handling, and the policy is free of particular average, the owner will not receive compensation for those damages. Consequently, cargo owners may choose to purchase additional coverage or negotiate terms that include protection against particular average losses. Moreover, the phrase free of particular average also highlights the importance of risk assessment in maritime operations. Shipowners and cargo owners must evaluate the potential risks involved in their transport activities and decide on the appropriate level of insurance coverage. This decision-making process involves considering factors such as the type of cargo, the route taken, and the reputation of the shipping company. By doing so, they can mitigate the financial impact of unexpected losses. In conclusion, the term free of particular average is a significant aspect of marine insurance that clarifies the limitations of coverage regarding particular average losses. Understanding this term allows shipowners and cargo owners to make informed decisions about their insurance needs and to prepare for potential risks associated with maritime transport. In an industry where uncertainties abound, having a clear grasp of the terms and conditions of insurance policies is essential for safeguarding investments and ensuring smooth operations.

在海洋保险的世界中，术语free of particular average（不承担特定平均损失）在定义船东和货物所有者所提供的保障范围方面发挥着至关重要的作用。要更好地理解这个术语，有必要探讨海洋保险和平均损失的概念。海洋保险旨在保护船只、货物和其他海上利益免受损失或损坏。该保险的一个关键组成部分是“平均”的概念，指的是在海上运输过程中可能发生的损失。平均损失主要分为两种类型：一般平均损失和特定平均损失。一般平均损失发生在为了所有参与海上事业的各方的共同利益而做出牺牲的情况下，例如，当货物被故意扔到海里以拯救正在沉没的船只时。相反，特定平均损失是指仅影响某一特定部分货物或单一船只的损失，而没有惠及所有各方的共同利益。当保单声明为free of particular average时，这表明保险公司将不承担仅与特定平均损失事件相关的损失。这意味着，如果船只遭遇损坏或货物因不涉及一般平均损失情况而丢失，保险公司不对这些损失负责。此条款通常包含在海洋保险政策中，以限制保险公司的索赔责任，并提供对保单覆盖范围的更清晰理解。对于货物所有者而言，理解被free of particular average涵盖的含义至关重要。这意味着他们必须准备承担因特定平均损失事件而产生的任何损失费用。例如，如果一批货物因恶劣海况或处理不当而损坏，而保单为free of particular average，则所有者将无法获得这些损坏的赔偿。因此，货物所有者可能会选择购买额外的保险或协商包括对特定平均损失保护的条款。此外，术语free of particular average还强调了在海事运营中风险评估的重要性。船东和货物所有者必须评估其运输活动中涉及的潜在风险，并决定适当的保险覆盖水平。此决策过程涉及考虑货物类型、航线和航运公司的声誉等因素。通过这样做，他们可以减轻意外损失的财务影响。总之，术语free of particular average是海洋保险的一个重要方面，明确了关于特定平均损失的保障限制。理解这一术语使船东和货物所有者能够做出明智的保险需求决策，并为海上运输相关的潜在风险做好准备。在一个充满不确定性的行业中，清楚掌握保险政策的条款和条件对于保护投资和确保顺利运营至关重要。