3.4.1 保险合同的种类 Types of insurance contracts
种类:2种 There are two types of insurance contracts.
1.一次性：保险合同仅针对一次航行或一次特定装运签订。当货物到达合同中指明的地点时，合同即告终止。在这种情况下，被保险人将从保险公司收到一份保险单。
One‑off: an insurance contract is concluded for one voyage or one specific shipment only. The contract ends when the goods have arrived at the point indicated in the contract. In this case, the insured party will receive an insurance policy from the insurance company.
2.预约保单：大多数活跃于国际业务的公司将与保险公司签订预约保单，以明确的条件（例如仓库到仓库）覆盖其所有货物。年费是根据公司的营业额计算的。如果需要，可以获得保险证书，证明货物在未结保单下投保。
Open policy: most corporates active in international business will conclude an open policy with an insurance company covering all their shipments with well‑defined conditions (eg warehouse‑to‑warehouse). An annual fee is calculated based on the turnover of the corporate. If needed, an insurance certificate can be obtained, evidencing that the goods are insured under an open policy.
仓库到仓库 Warehouse-to-warehouse
保险单中的仓库到仓库条款规定，从一个仓库到另一个仓库的运输货物的承保范围。仓库到仓库条款通常涵盖货物从离开原产地仓库的那一刻起，直到货物到达目的地仓库的那一刻。在运输过程之前和之后为货物投保需要单独承保。
“A warehouse‑to‑warehouse clause in an insurance policy provides for coverage of cargo in transit from one warehouse to another. A warehouse‑to‑warehouse clause usually covers cargo from the moment it leaves the origin‑warehouse until the moment it arrives at the destination‑warehouse.Separate coverage is necessary to insure goods before and after the transit process.” (Liberto, 2021)
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3.4 Marine cargo insurance 海运货物保险