8.1.2.1 Basic coverage基本险
♦FPA(Free from Particular Average)平安险
FPA is a type of limited coverage which covers total losses and general averages arising from marine perils including natural calamities and fortuitous accidents.It literally means that particular averages are not covered,but with the real-world development of marine cargo insurance,some particular averages(of a partial loss nature)are now recoverable,including those caused by fortuitous accidents alone or by fortuitous accidents and natural calamities combined,etc.The specific eight types of coverage are listed as follows(see Table 8-1):
Table 8-1 Basic Coverage Under FPA
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♦WPA(With Particular Average)水渍险
WPA is a type of wider coverage than FPA which literally means particular averages are covered.In addition to the eight types of coverage under FPA,it also covers partial loss or damage attributable to natural calamities.
♦All Risks 一切险
“All Risks”is the most comprehensive of the three types of basic coverage under which the insurer is responsible for all total or partial loss of,or damage to the cargo insured either arising from marine perils or general extraneous causes.However,it does not cover the loss,damage or expenses caused by special extraneous risks such as wars,strikes,riots or civil commotions,etc.It does not cover the loss of market,or loss or damage caused by delay or inherent vice of the goods,either.