1/1/09

INSTITUTE CARGO CLAUSES (B)

RISKS COVERED

Risks

1. This insurance covers, except as excluded by the provisions of Clauses 4, 5, 6 and 7 below,

1.1 loss of or damage to the subject-matter insured reasonably attributable to1.1.1 fire or explosion1.1.2 vessel or craft being stranded grounded sunk or capsized1.1.3 overturning or derailment of land conveyance1.1.4 collision or contact of vessel craft or conveyance with any external object other than water1.1.5 discharge of cargo at a port of distress1.1.6 earthquake volcanic eruption or lightning,

1.2 loss of or damage to the subject-matter insured caused by1.2.1 general average sacrifice1.2.2 jettison or washing overboard1.2.3 entry of sea lake or river water into vessel craft hold conveyance container or place of storage,

1.3 total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft.

General Average

2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of carriage and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 below.

"Both to Blame Collision Clause"

3. This insurance indemnifies the Assured, in respect of any risk insured herein, against liability incurred under any Both to Blame Collision Clause in the contract of carriage. In the event of any claim by carriers under the said Clause, the Assured agree to notify the Insurers who shall have the right, at their own cost and expense, to defend the Assured against such claim.

EXCLUSIONS

4. In no case shall this insurance cover4.1 loss damage or expense attributable to willful misconduct of the Assured4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subjectmatter insured to withstand the ordinary incidents of the insured transit where such packing or preparation is carried out by the Assured or their employees or prior to the attachment of this insurance (for the purpose of these Clauses "packing" shall be deemed to include stowage in a container and "employees" shall not include independent contractors)4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured4.5 loss damage or expense caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)

4.6 loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel where, at the time of loading of the subject-matter insured on board the vessel, the Assured are aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the voyage This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract4.7 deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons 4.8 loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

5. 5.1 In no case shall this insurance cover loss damage or expense arising from5.1.1 unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject-matter insured, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein5.1.2 unfitness of container or conveyance for the safe carriage of the subject-matter insured, where loading therein or thereon is carried out prior to attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading.5.2 Exclusion 5.1.1 above shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract.5.3 The Insurers waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination.

6. In no case shall this insurance cover loss damage or expense caused by6.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power

6.2 capture seizure arrest restraint or detainment and the consequences thereof or any attempt thereat

6.3 derelict mines torpedoes bombs or other derelict weapons of war.

7. In no case shall this insurance cover loss damage or expense7.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions

7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions

7.3 caused by any act of terrorism being an act of any person acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of any government whether or not legally constituted7.4 caused by any person acting from a political, ideological or religious motive.

DURATION

Transit Clause

8. 8.1 Subject to Clause 11 below, this insurance attaches from the time the subject-matter insured is first moved in the warehouse or at the place of storage (at the place named in the contract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of transit and terminates either

8.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at the final warehouse or place of storage at the destination named in the contract of insurance,8.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at any other warehouse or place of storage, whether prior to or at the destination named in the contract of insurance, which the Assured or their employees elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, or8.1.3 when the Assured or their employees elect to use any carrying vehicle or other conveyance or any container for storage other than in the ordinary course of transit or8.1.4 on the expiry of 60 days after completion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge,whichever shall first occur.8.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the subject-matter insured is to be forwarded to a destination other than that to which it is insured, this insurance, whilst remaining subject to termination as provided in Clauses 8.1.1 to 8.1.4, shall not extend beyond the time the subject-matter insured is first moved for the purpose of the commencement of transit to such other destination.8.3 This insurance shall remain in force (subject to termination as provided for in Clauses 8.1.1 to 8.1.4 above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to carriers under the contract of carriage.

Termination of Contract of Carriage

9. If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before unloading of the subject-matter insured as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Insurers and continuation of cover is requested when this insurance shall remain in force, subject to an additional premium if required by the Insurers, either

9.1 until the subject-matter insured is sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter insured at such port or place, whichever shall first occur,

or

9.2 if the subject-matter insured is forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named in the contract of insurance or to any other destination, until terminated in accordance with the provisions of Clause 8 above.

Change of Voyage

10. 10.1 Where, after attachment of this insurance, the destination is changed by the Assured, this must be notified promptly to Insurers for rates and terms to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable market terms.

10.2 Where the subject-matter insured commences the transit contemplated by this insurance (in accordance with Clause 8.1), but, without the knowledge of the Assured or their employees the ship sails for another destination, this insurance will nevertheless be deemed to have attached at commencement of such transit.

CLAIMS

Insurable Interest

11. 11.1 In order to recover under this insurance the Assured must have an insurable interest in the subjectmatter insured at the time of the loss.

11.2 Subject to Clause 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Insurers were not.

Forwarding Charges

12. Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject matter insured is covered under this insurance, the Insurers will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter insured to the destination to which it is insured.

This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their employees.

Constructive Total Loss

13. No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter insured to the destination to which it is insured would exceed its value on arrival.

Increased Value

14. 14.1 If any Increased Value insurance is effected by the Assured on the subject-matter insured under this insurance the agreed value of the subject-matter insured shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured.

In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances.

14.2 Where this insurance is on Increased Value the following clause shall apply:

The agreed value of the subject-matter insured shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the subject-matter insured by the Assured, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured.

In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances.

BENEFIT OF INSURANCE

15. This insurance

15.1 covers the Assured which includes the person claiming indemnity either as the person by or on whose behalf the contract of insurance was effected or as an assignee,

15.2 shall not extend to or otherwise benefit the carrier or other bailee.

MINIMISING LOSSES

Duty of Assured

16. It is the duty of the Assured and their employees and agents in respect of loss recoverable hereunder

16.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss,

and

16.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised

and the Insurers will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.

Waiver

17. Measures taken by the Assured or the Insurers with the object of saving, protecting or recovering the subjectmatter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.

AVOIDANCE OF DELAY

18. It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.

LAW AND PRACTICE

19. This insurance is subject to Serbian law and practice.

NOTE:- Where a continuation of cover is requested under Clause 9, or a change of destination is notified under Clause 10, there is an obligation to give prompt notice to the Insurers and the right to such cover is dependent upon compliance with this obligation.

Copyright: 11/08 - Lloyd's Market Association (LMA) and International Underwriting Association of London(IUA).

CL38301/01/20091/1/09

INSTITUTSKA KLAUZULA ZA OSIGURANJE ROBE (B)

OSIGURANI RIZICI

Klauzula o pokrivenim rizicima

1. Ovo osiguranje pokriva, osim izuzetaka predvienih odredbama klauzula 4, 5, 6 i 7 ovih uslova, ove rizike:

1.1 gubitak ili oteenje osiguranog predmeta koji se razborito moe pripisati1.1.1 poaru ili eksploziji1.1.2 nasukanju, naslanjanju na dno, potonuu ili prevrnuu broda ili drugog plovila1.1.3 prevrnuu ili iskliznuu kopnenog vozila1.1.4 sudaru ili udaru broda, drugog plovila ili vozila s vilo kojim spoljanjim predmetom osim s vodom1.1.5 iskrcaju tereta u skloninoj luci1.1.6 zemljotrsu, vulkanskoj erupciji ili udaru groma,1.2 gubitak ili oteenje osiguranog predmeta nastao zbog1.2.1 tete (rtve) zajednike havarije1.2.2 izbacivanja tereta u more ili otplavljenja1.2.3 prodora morske, jezerske ili rene vode u brod, drugo plovilo, vozilo, kontejner ili mesto uskladitenja,1.3 potpuni gubitak svakog koleta nastao padom u more ili padom za vreme ukrcaja ili iskrcaja sa broda, ili drugog plovila.

Klauzula o zajednikoj havariji

2 Ovo osiguranje pokriva zajedniku havariju i nagrade za spasavanje, obraunate ili odreene prema ugovoru o prevozu i/ili merodavnom pravu i praksi, koji su nastali kako bi se izbegla teta ili su uvezi sa izbegavanjem tete, a posledica su bilo kog uzroka, osim onih uzroka iskljuenih klauzulama 4, 5, 6 i 7 ovih uslova.

Klauzula o sudaru usled obostrane krivice

3 Ovo osiguranje prua odtetu osiguraniku za onaj deo odgovornosti na osnovu klauzule ugovora o prevozu o sudaru usled obostrane krivice koji se odnosi na osigurane tete. U sluaju bilo kakvog zahteva brodara za naknadu na osnovu ove klauzule, osiguranik se obavezuje da o tome obavesti osiguravaa, koji ima pravo da o svom troku brani osiguranika od takvog zahteva.

ISKLUENJA IZ OSIGURANJA

4 Iz osiguranja su iskljuene sledee tete:4.1. gubitak, oteenje ili troak koji se mogu pripisati namernom postupku osiguranika4.2 normalno curenje, redovni gubitak u teini ili zapremini ili uobiajeno habanje osiguranog predmeta4.3 gubitak, oteenje ili troak izazvan manjkavim ili neodgovarajuim pakovanjem ili nepripremljenou osiguranog predmeta da izdri uobiajene nezgode osiguranog putovanja, ako su takvo pakovanje ili pripremu obavili osiguranik ili njegovi zaposleni, odnosno ako se ono obavi pre stupanja na snagu ovog osiguranja (za svrhe ove klauzule pakovanje podrazumeva i slaganje robe u kontejner, a zaposleni ne ukljuuju i nezavisne ugovorne strane).4.4 gubitak, oteenje ili troak nastali usled unutranje mane ili prirodnog svojstva osiguranog predmeta4.5 gubitak, oteenje ili troak nastali neposredno usled zakanjenja, ak i onda kada je to zakanjenje nastalo usled osiguranog rizika (osim trokova plativih na osnovu klauzule 2 ovih uslova)4.6 gubitak, oteenje ili troak izazvani nesolventnou ili neizvrenjem finansijskih obaveza od strane vlasnika broda, menadera, artera, ili brodara, ako su u vreme ukrcaja osiguranog predmeta na brod, osiguranici svesni ili bi po redovnom toku poslovanja trebali biti svesni, da nesolventnost ili neizvrenje finansijskih obaveza mogu spreiti normalno izvrenje putovanja Ovo iskljuenje se ne primenjuje kada je ugovor o osiguranju prenet licu koje trai naknadu, koje je kupilo ili se obavezalo da kupi osigurani predmetu u dobroj veri na osnovu obavezujueg ugovora

4.7 namerno oteenje ili namerno potpuno ili delimino unitenje predmeta osiguranja protivpravnim delovanjem bilo koje osobe ili osoba4.8 gubitak, oteenje ili troak direktno ili indirektno izazvani ili proizali iz upotrebe bilo kakvog oruja ili ureaja koji koriste atomsku ili nuklearnu fisiju i/ili fusiju ili sline reakcije ili radioaktivne sile ili stvari

5. 5.1 Ovo osiguranje ni u kom sluaju ne pokriva gubitak, oteenje ili troak nastao zbog:5.1.1 nesposobnosti broda ili drugog plovila za plovidbu ili nepodobnosti broda ili drugog plovila za siguran prevoz osiguranog predmeta, ako je osiguranik, u vreme ukrcaja osiguranog predmeta, znao za tu nesposobnost ili nepodobnost5.1.2 nepodobnosti kontejnera ili vozila za siguran prevoz osiguranog predmeta, ako je utovar izvren pre stupanja na snagu ovog osiguranja ili od strane osiguranika ili njegovih zaposlenih i oni su upoznati sa takvom nepodobnou u vreme utovara.5.2 Iskljuenje 5.1.1 gore se ne primenjuje ako je izvren prenos ugovora o osiguranju licu koje ostvaruje pravo na osnovu njega, kome je osigurani predmet prodat ili koje je u dobroj very bilo obavezno na osnovu ugovora.5.3 Osigurava moe odustati od stavljanja prigovora u pogledu preutnog uslova sposobnosti broda za plovidbu i podobnosti za prevoz osiguranog predmeta do mesta opredeljenja.

6. Ovo osiguranje ni u kom sluaju ne pokriva gubitak, oteenje ili trokove izazvane:6.1 ratom, graanskim ratom, revolucijom, ustankom, pobunom ili nekim drugim graanskim sukobom koji zbog toga nastane, ili bilo kojim neprijateljskim aktom jedne zaraene strane ili protiv nje6.2 zarobljavanjem, zaplenom, uzapenjem, zaustavljanjem, ogranienjem ili zadravanjem kao i posledica tih akata ili pokuaja da se oni izvre 6.3 zaostalim minama, torpedima, bombama ili drugim ratnim orujem.

7. Ovo osiguranje ni u kom sluaju ne pokriva gubitak, oteenje ili trokove7.1 koje su izazvali trajkai, radnici otputeni s posla ili lica koja uestvuju u radnikim nemirima, nasiljima ili graanskim nemirima7.2 proizale iz trajkova, otputanja s posla, radnikih nemira, nasilja ili graanskih nemira7.3 izazvane teroristikim aktima, kao aktom lica koje radi za ili u vezi sa bilo kojom organizacijom koja vri aktivnosti direktno usmerene ka svrgavanju ili ostvarenju uticaja, upotrebom sile ili nasilja, nad bilo kojom vladom, bez obzira da li je zakonito konstituisana7.4 izazvani od strane lica koje postupa iz politikih, ideolokih ili religioznih motiva.

TRAJANJE OSIGURANJA

Klauzula o trajanju osiguranja

8. 8.1 U skladu sa klauzulom 11, ovo osiguranje stupa na snagu od trenutka kada je osigurani predmet prvi put pomeren u skladitu ili mestu uskladitenja (u mestu oznaenom u ugovoru) radi neposrednog ukrcaja u prevozno sredstvo, a zbog otpoinjanja prevoza, nastavila se za vreme redovnog toka prevoza i zavrava

8.1.1 zavretkom iskrcaja sa prevoznog sredstva u krajnjem skladitu ili mestu uskladitenja u mestu opredeljenja navedenom u ugovoru o osiguranju,8.1.2 zavretkom iskrcaja sa prevoznog sredstva u skladitu ili u mestu uskladitenja, bez obzira da li se ono nalazi u mestu opredeljenja navedenom u ugovoru o osiguranju ili pre njega, ako su osiguranik ili njegovi zaposleni izabrali to mesto za uskladitenje ili za dostavu ili raspodelu izvan redovnog toka prevoza, ili8.1.3 ako osiguranik ili njegovi zaposleni izaberu bilo koje prevozno sredstvo ili kontejner za uskladitenje izvan redovnog toka prevoza ili

8.1.4 istekom roka od 60 dana nakon zavretka iskrcaja osiguranog predmeta s pomorskog broda u krajnjoj luci iskrcaja,

prema tome ta prvo nastupi.8.2 Ako nakon iskrcaja s pomorskog broda u krajnjoj luci iskrcaja, ali pre zavretka ovog osiguranja, osigurani predmet treba da bude otpremljen u drugo odredite, a ne ono do koga je osiguran, ovo osiguranje ostaje na snazi prema odredbama klauzula 8.1.1 do 8.1.4, ali e prestati kada je predmet prvi put pomeren radi zapoinjanja prevoza do tog drugog odredita.

8.3 Ovo osiguranje ostaje na snazi (prema napred navedenim uslovima u klauzulama 8.1.1 do 8.1.4 i odredbama klauzule 9 dole) za vreme zakanjenja izvan kontrole osiguranika, za vreme bilo kog skretanja, prisilnog iskrcaja, ponovnog ukrcaja ili prekrcaja i za vreme bilo koje izmene u pomorskom poduhvatu nastale zbog korienja ovlaenja brodara na osnovu ugovora o prevozu.

Klauzula o prestanku ugovora o prevozu

9. Ako zbog okolnosti izvan volje osiguranika izvrenje ugovora o prevozu prestane u nekoj drugoj luci ili mestu, a ne u odreditu predvienim ugovorom, ili se prevoz zavri na neki drugi nain pre iskrcaja osiguranog predmeta, kako je predvieno klauzulom 8 ovih uslova, ovo e osiguranje takoe prestati osim ako o tome odmah ne bude obaveten osigurava i zatrai se produenje osiguranja, kada ono ostaje na snazi, uz plaanje dodatne premije ako to osigurava bude traio sve dok

9.1 osigurani predmet ne bude prodat i isporuen u toj luci ili mestu ili, ako neto drugo nije posebno ugovoreno, do isteka roka od 60 dana nakon prispea osiguranog predmeta u tu luku ili mesto, prema tome ta prvo nastupi

ili

9.2 osigurani predmet ne bude otpremljen u toku navedenog roka od 60 dana (ili ugovorenom produenom roku) do mesta opredeljenja navedenog u ugovoru o osiguranju ili nekog drugog mesta opredeljenja, sve dok se prevoz ne zavri u skladu sa odredbama gore navedene klauzule 8.

Klauzula o promeni putovanja

10. 10.1 Ako, nakon stupanja na snagu ovog osiguranja, osiguranik promeni mesto opredeljenja, to mora biti odmah saopteno osiguravau, kako bi premija i uslovi osiguranja bili ugovoreni. Ako se teta dogodi pre postizanja ovog sporazuma, pokrie moe biti obezbeeno samo ako se ono moe dobiti po razumnoj premiji i po razumnim trinim uslovima.

10.2 Ako osigurani predmet zapone prevoz predvien ovim osiguranjem (u skladu sa klauzulom 8.1), ali bez znanja osiguranika ili njegovih zaposlenih, brod zaplovi ka drugom mestu opredeljenja, ovo osiguranje, bez obzira na to, stupa na snagu u momentu zapoinjanja takvog prevoza.

ODTETNI ZAHTEVI

Klauzula o osiguranom interesu

11. 11.1 Da bi dobio naknadu iz ovog osiguranja, osiguranik mora imati odreeni osigurljiv interes na predmetu osiguranja u trenutku nastanka tete.

11.2 Ako su ispunjeni uslovi iz klauzule 11.1, osiguranik e biti ovlaen na naknadu za osiguranu tetu nastalu za vreme trajanja ovog osiguranja iako je teta nastala pre sklapanja ugovora o osiguranju osim ako je osiguraniku bilo poznato da je nastupio osigurani sluaj, a osiguravai nisu za to znali.

Klauzula o trokovima otpreme

12. Ako je zbog nastupanja osiguranog rizika osigurano putovanje zavreno u nekoj drugoj luci ili mestu, a ne u onom predvienom ugovorom, osigurava e osiguraniku naknaditi svaki osigurani troak, koji je razumno in a odgovarajui nain uinjen radi iskrcaja, uskladutenja ili otpreme osiguranog predmeta na odredite predvieno ugovorom.

Na osiguranje prema klauzuli 12, koja se ne primenjuje na zajedniku havariju i trokove spasavanja, primenjuju se odredbe o iskljuenim tetama iz klauzula 4, 5, 6 i 7 ovih uslova, a nisu pokriveni ni trokovi nastali zbog propusta, nepanje, nesolventnosti ili neizvravanja finansijskih obaveza osiguranika ili njegovih zaposlenih.

Klauzula o izvedenom potpunom gubitku

13. Iz ovog osiguranja se nee pruiti naknada za izvedeni potpuni gubitak, osim ako je osigurani predmet razumno naputen jer je nastupio njegov stvarni potpuni gubitak, koji se nije mogao izbei, bilo zato to bi trokovi opravke, dovoenja u ispravno stanje i trokovi otpreme predmeta do odredita iznosili vie od njegove vrednosti na odreditu.

Klauzula o osiguranju na dodatnu vrednost

14. 14.1 Ako osiguranik, osim iznosa na koji je zakljueno ovo osiguranje, zakljui i osiguranje tog predmeta na dodatni iznos, smatrae se da ugovorenu vrednost osiguranog predmeta ini ukupan zbir iznosa osiguranog ovim ugovorom i svih dodatno osiguranih iznosa ako pokrivaju nastalu tetu. Naknada za tetu bie obraunata srazmerno odnosu osiguranoh iznosa iz ovog ugovora prema ukupno osiguranom iznosu.

U sluaju zahteva za naknadu iz ovog osiguranja, osiguranik e osiguravaima pribaviti dokaze o iznosima iz svih drugih osiguranja.

14.2 Kada se ovo osiguranje zakljui na iznos za koji je uveana vrednost:

Smatra se da ugovorenu vrednost robe ini zbir iznosa na koji je zakljueno prvobitno osiguranje i zbir svih iznosa na koje je osiguranik zakljuio dodatno osiguranje, ako pokrivaju tetu. Naknada za tetu obraunae se srazmerno odnosu osiguranog iznosa iz ovog ugovora prema ukupno osiguranom iznosu.

U sluaju zahteva za naknadu iz osiguranja osiguranik e osiguravaima pribaviti dokaze o iznosima osiguranim pos vim drugim osiguranjima.

KORISTI IZ OSIGURANJA

15. Ovo osiguranje

15.1 prua zatitu osiguraniku, to ukljuuje lice koje zahteva naknadu iz osiguranja, bilo kao lice koje je zakljuilo ugovor o osiguranju ili u iju korist je ugovor zakljuen, bilo kao lice kome je isti prenet,

15.2 se ne odnosi na ili ne koristi na drugi nain prevoziocu ili ostalim treim licima.

SMANJENJE TETA

Klauzula o dunostima osiguranika

16. dunost je osiguranika, njegovih zaposlenih ili zastupnika u odnosu na tetu naknadivu ovim osiguranjem

16.1 da preduzmu razumne mere radi spreavanja ili smanjenja takve tete,

te

16.2 da osiguraju da se sva prava protiv prevozioca, skladitara ili ostalih treih lica na odgovarajui nain sauvaju i vre

a osigurava e, osim tete naknadive ovim osiguranjem, osiguraniku naknaditi i svaki odgovarajui i razumno uinjen troak nastao vrenjem ovih dunosti.

Klauzula o odricanju prava iz ugovora

17. Mere preduzete od strane osiguranika ili osiguravaa radi ouvanja, zatite ili spaavanja osiguranog predmeta, nee se smatrati odricanjem od prava na naputaj ili njegov prihvat, niti e na drugi nain uticati na prava jedne ili druge strane.

IZBEGAVANJE ZAKASNJENJA

18. Ovo osiguranje se prua pod uslovom da e osiguranik delovati sa razumnom brzinom u svim okolnostima koje zavise od njegove volje.

PRIMENA PRAVA I PRAKSE

19. Na ovo osiguranje primenjuje se srpsko pravo i praksa.

NAPOMENA: Kada nastavak pokria zavisi od primene klauzule 9 ili je promena odredita saoptena na osnovu klauzule 10, osiguranik ima obavezu da bez odlaganja obavesti osiguravaa o tome, jer je pravo na takvo pokrie uslovljeno ispunjenjem ove obaveze.

Copyright: 11/08 - Lloyd's Market Association (LMA) and International Underwriting Association of London(IUA).

CL38301/01/2009

Merodavni jezik ove klauzule je engleski (originalna sadrina klauzule), kao i da je za njenu primenu merodavno pravo Republike Srbije.