Different insurers have different procedures when owners apply laid-up return. When a vessel is moored in an anchorage and its operating systems have been shut down, other than submitting relevant documentations, owners should beware of the laid-up return rules which marked in the certificate/policy/application form before applying laid-up return.
In a recent case, PICC rejected a laid-up return application because of late declaration. Although PICC only mentioned that laid-up periods of more than 30 days would be qualified for a return of premium, without mentioned the timeframe that the declaration should be submitted to the insurer, they rejected the laid-up return application by the following clause and explanation.
See attached file: ALCO20140021 The issue in applying laid-up return through PICC.pdf
向PICC申请停航退费的问题
船东在申请停航退费时，不同保险人的操作程序各不相同。当船舶停泊在锚地，操作系统停止运作时，船东除了要提交申请停航退费的相关文件，还要注意入会证书/保单/申请表中有关停航退费的规则。
在最近的一个案例中，中国人民财产保险公司(PICC)因逾期告知而拒绝了船东停航退费申请。尽管PICC只提到停航时间超过30天有资格申请退还保费，没有提到向保险人告知的时间限制，但是PICC根据以下条款和解释，拒绝停航退费申请。
详细信息请参阅附件。
