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분야
docx2. The type of Risk
3. The type of marine insurance
3.1 Cargo Insurance
3.2 Hull Insurance
3.3 Freight Insurance
4. The meaning of Marine peril
5. Marine loss
(1) Hull/Machinery Insurance
Hull insurance is which aimed at hull. Hull insurance doesn't just aim at the fuselage of the hull but instrument of the ship and the necessary articles for a voyage include. Therefore, Hull insurance says that the ship which includes hull, materials of ship, instrument, tool of voyage and other equipment becomes the aim of insurance.
(2) Ship Building Insurance
Ship building occurs danger both sea and land and spend a considerable expense and period. Ship building insurance is that all damages compensate from ship building to launching, voyage and transfer. The aim of ship building insurance is usually the place of construction of ship builder, ship, engine or these components being built within the section and components of hull being transfer out of the place of construction or being manufacture outside the place of construction can extend coverage.
(3) Loss of Earning and/or Charter Hire Insurance
Loss of earning insurance is that compensate loss of the expected profit of shipowner or ship manager at this case which the ship doesn't sail because of the accident insurance, Mostly, it compensates instant loss of earning from sinking, stranding, fire and collision of ship. But loss of earning due to oil explosion of oil tanker or an engine trouble should take advantage of extended coverage separately.
3.3 Freight Insurance
Freight insurance aims to freight charge. A person who acquires fare signs a contract of freight insurance. In the case of carriage forward, a shipper signs a contract of freight insurance and when freight charge will be paid at destination, a shipowner signs a contract. Freight insurance targets not only freight charge being paid by a third party but also conjecturable fare while shipowner transfers shipowner's cargo to owner's ship. But passenger's fares exclude from the aim of freight insurance because passenger pay don't include freight charge.
4. The meaning of Marine peril
Marine insurance is contract which an insurer compensate arisen loss related to applicable business. Marine peril to secure in marine insurance says accident or disaster taking place on the sea by chance like sinking, stranding, collision and so on. British Marine insurance law, in Article 3, Section 2 defines marine perils as all dangers which come from voyage or unique risk at sea, fire, war, pirate, robbery, poaching, seizure, internment, sailor's evil deed and forward various risk or the whole perils written in an insurance policy. Of course, Korea commercial law, in Article 693 defines marine insurance contract that it aims at compensation of loss taking place due to accident of voyage, so marine peril can be limited by accident associated with voyage but it is right to include perils consequent on, or incidental to, the navigation of the sea because internationally, we regard MIA article 3 standard
