10/26/2010

IOP, Irrespective of Percentage

IOP即 Irrespective of Percentage,不受免賠額限制。
在保險條件中有所謂單獨海損 (Particular average),單獨海損貨物在海上運送中,因無法預測的危險所招致的部分減失或損害。此種損害並非由共同航海的財產所能共同負擔,乃是由遭受損害的各財產所有單獨負責,故有以下幾種是否賠償之劃分:

1.單獨海損絕對不賠償(free from particular average absolutely: F.P.A.A):即單獨海損之原因非承保之危險所造成,保險人不負賠償責任。

2.F.P.A(free from particular average) :即除特定危險所造成的單獨海之外,單獨海損不賠償。

3.W.P.A.(with particular average):指單獨海損賠償,但此單獨海損若未達約定之一定百分比者,不予賠償;除非超過一定百分比,方能獲致賠償。

4.單獨海損賠償:但單獨海損未超過約定金額者不賠,在保險人對於已超過約定金額的單獨海損,僅賠償所超過部分。

5.I.O.P:對於單獨海損賠償,不計免賠額百分比。

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