free of particular average

简明释义

平安险单独海损不赔

英英释义

例句

1.The yacht insurance policy states that it is free of particular average, meaning that small damages will not be covered.

这份游艇保险政策声明它是不承担特定平均损失的，这意味着小损失将不被覆盖。

2.In marine insurance, a vessel may be insured free of particular average to reduce the premium costs.

在海洋保险中，一艘船可以选择不承担特定平均损失，以降低保费成本。

3.Our insurance agent recommended a policy that is free of particular average for our low-value shipments.

我们的保险代理推荐了一种针对我们低价值货物的不承担特定平均损失的保单。

4.When shipping goods, it's important to understand if your policy is free of particular average.

在运输货物时，了解您的保单是否是不承担特定平均损失是很重要的。

5.The contract clearly states that all shipments will be free of particular average unless otherwise agreed.

合同明确规定，除非另有协议，所有货物运输将是不承担特定平均损失的。

作文

In the world of maritime insurance, the term free of particular average holds significant importance. It refers to a type of insurance policy that covers losses only if they are caused by specific events, such as natural disasters or accidents, rather than general wear and tear. This concept is crucial for ship owners and operators, as it helps them understand the extent of their coverage and the risks they face at sea. Understanding the implications of being free of particular average can help ship owners make informed decisions regarding their insurance policies. For instance, if a vessel is insured under a policy that is free of particular average, the owner will not receive compensation for minor damages or losses that occur due to everyday operational risks. This means that in the event of a small leak or damage from rough seas, the ship owner would have to bear the costs on their own. On the other hand, this type of insurance can be more affordable than comprehensive coverage, which protects against a broader range of incidents. Therefore, many ship owners opt for free of particular average policies when they assess their risk tolerance and financial capabilities. It allows them to save money on premiums while still having protection against major losses. However, this decision requires careful consideration, as the cost savings may lead to significant out-of-pocket expenses in the event of an accident. Moreover, understanding the nuances of free of particular average is vital for those involved in international shipping. Different countries may have varying regulations and definitions regarding maritime insurance. A thorough comprehension of these differences can help ship owners navigate the complexities of international trade and protect their investments effectively. In addition to financial implications, being free of particular average also influences operational strategies. Ship owners might decide to invest in better maintenance and safety measures to minimize the risk of incurring damages that would not be covered under this type of insurance. This proactive approach can lead to safer voyages and ultimately reduce the likelihood of financial losses. In conclusion, the term free of particular average is more than just a phrase in maritime insurance; it embodies a strategic choice made by ship owners based on their risk assessment and financial situation. By understanding the limitations and benefits of such policies, they can make better decisions that align with their operational goals and financial health. Whether one chooses to go free of particular average or opts for more comprehensive coverage, the key is to be well-informed and prepared for the potential consequences of their choices.

在海上保险的世界里，术语free of particular average具有重要意义。它指的是一种保险政策，仅在特定事件（如自然灾害或事故）造成损失时才提供保障，而不是一般的磨损和撕裂。这个概念对于船东和运营商至关重要，因为它帮助他们了解自己的保障范围和在海上面临的风险。理解作为free of particular average的含义可以帮助船东做出明智的保险决策。例如，如果一艘船根据free of particular average的政策投保，那么船东将不会因日常操作风险造成的小损害或损失而获得赔偿。这意味着在发生小泄漏或因恶劣海况造成的损坏时，船东将不得不自掏腰包。另一方面，这种类型的保险可能比综合保险更实惠，后者保护范围更广。因此，许多船东在评估风险承受能力和财务能力时选择free of particular average政策。它使他们能够节省保费，同时仍然对重大损失提供保护。然而，这一决定需要仔细考虑，因为节省的成本可能导致在发生事故时产生巨额自付费用。此外，理解free of particular average的细微差别对于参与国际航运的人士至关重要。不同国家对海上保险的规定和定义可能有所不同。全面理解这些差异可以帮助船东有效地应对国际贸易的复杂性，保护自己的投资。除了财务影响外，作为free of particular average还会影响运营策略。船东可能决定投资于更好的维护和安全措施，以尽量减少在这种类型保险下不受保障的损害风险。这种积极主动的方法可以带来更安全的航行，并最终降低财务损失的可能性。总之，术语free of particular average不仅仅是海上保险中的一个短语；它体现了船东基于风险评估和财务状况所做出的战略选择。通过理解此类政策的限制和好处，他们可以做出更好的决策，使其与运营目标和财务健康相一致。无论是选择free of particular average还是选择更全面的保障，关键是要充分了解并为其选择的潜在后果做好准备。