{"id":10582,"date":"2012-04-25T03:41:40","date_gmt":"2012-04-25T03:41:40","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2012\/04\/25\/introduction-to-p-i-insurance\/"},"modified":"2025-09-01T01:21:47","modified_gmt":"2025-08-31T17:21:47","slug":"introduction-to-p-i-insurance","status":"publish","type":"post","link":"http:\/\/andrewliu.com.hk\/zh\/introduction-to-p-i-insurance\/","title":{"rendered":"Introduction to P&I Insurance"},"content":{"rendered":"

 \"pdf\" ENG<\/a>   \"pdf\" CHN<\/a><\/p>\n

Protection and indemnity insurance, commonly known as P&I, is a form of insurance which firstly provided by mutual P&I clubs and cover the liability risks to third parties not usually covered by conventional marine insurers. P&I clubs are run as a non-profit-making business and thus financed by “calls” not by “premiums” like other conventional marine insurers. The rate of “calls” is not fixed and there exists return and supplementary of premium and also release call. It can be said that P&I clubs are servant to their Members because of their “mutuality” , including a professional team of lawyers and experts to help the owners deal with claims, which will not be found in conventional marine insurance.<\/p>\n

There are also vessels insured with fixed premium for P&I insurance by other conventional insurers, which is not mutual. However, more than 90% of the world’s oceangoing tonnage is insured by thirteen mutual P&I clubs that are members of the International Group of P&I clubs. If any incident happens which could result in a claim or liability, you are recommended to give immediate notification to us to avoid any misconduct which would disable the claim to be covered or fully covered.<\/p>\n

Club cover is constantly changing and developing as and when new liabilities are placed on shipowners. P&I insurance protect members against losses and liabilities towards third parties. The insurance is available to shipowners and charterers, including operators. In general, the clubs offers two principal types of cover:<\/p>\n

Class 1 Protection and Indemnity
The club covers the Members’ liability for seven major types of claim: cargo, crew, collision (to the extent such claims are not covered under hull polices), fixed and floating objects, third party injury and death claims, oil pollution, and miscellaneous (including fines, wreck removal and other types of claims not in the other major categories). Costs and expenses incurred in investigating and handling claims falling within the Rules are also included in the cover.<\/p>\n

Class 2 Freight Demurrage and Defence
FD&D is a legal expenses insurance providing legal assistance as well, which pays the legal costs incurred in establishing or resisting certain types of disputes which are not covered under Class 1.Legal costs is not only lawyers’ costs, but also costs of correspondents and experts who provides assistance to facilitate an amicable resolution.<\/p>\n

Certificate of Entry
After acceptance of an application of entry of a Ship for insurance in the Club, a Certificate of Entry (COE) will be issued to the member in respect of such Ship. This document provide the information of insurance for the specific ship, such as coverage of the insurance, special terms and conditions (i.e. deductibles) etc. Every P&I clubs have their own rule books, and it is usually stated in the COE such as “this insurance is subject to the Rules of the club and the terms and conditions specified or referred to below.” Therefore, should any claims arisen, we shall turn to provisions of COE and endorsements issued by manager and also relevant rules of the club for details.<\/p>\n

We have established long-term and friendly relationships with most of these P&I clubs and please do not hesitate contact us for assistance in P&I insurance.<\/p>\n

See attached file : ALCO20120030Introduction to P&I Insurance.pdf<\/p>\n

 <\/p>\n

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\u4ee5\u4e0a\u7531 ANDREW LIU & CO.,LTD \u7f16\u8bd1\uff0c\u5e94\u4ee5\u82f1\u6587\u4e3a\u51c6\uff01<\/p>\n

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<\/strong><\/span><\/p>","protected":false},"excerpt":{"rendered":"

  ENG    CHN Protection and indemnity insurance, commonly known as P&I, is a form of insurance which firstly provided by mutual P&I clubs and cover the liability risks to third parties not usually covered by conventional marine insurers. P&I clubs are run as a non-profit-making business and thus financed by “calls” not by “premiums” like other […]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[125],"class_list":["post-10582","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-english"],"_links":{"self":[{"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10582","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=10582"}],"version-history":[{"count":1,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10582\/revisions"}],"predecessor-version":[{"id":20422,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10582\/revisions\/20422"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=10582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=10582"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=10582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}