海上航行环境复杂多变，船舶在进出港口及狭水道航行过程中，碰撞与触碰事故属于高发的第三方责任风险。在航运保险实践中，”碰撞”（Collision）与”触碰”（FFO）虽常被并称，但二者承保范围及损失赔付标准存在本质差异。同时，不同保险条款体系（如中国PICC远洋船舶险、沿海内河船舶险、英国ITC Hulls船舶险及保赔险(P&I）在碰撞与触碰责任的承保安排上亦有显著区别。厘清差异并科学配置船舶险与保赔险，对船东有效管控事故损失、高效开展保险理赔和碰撞责任抗辩具有至关重要现实意义。
详细信息请参阅附件。
Introduction to Collision & FFO Liability Risks in Marine Insurance (Part I)
The maritime navigation environment is complex and ever-changing. During port entries, departures, and transit through narrow channels, collision and FFO incidents represent high-frequency third-party liability risks. In marine insurance practice, Collision and “FFO” (Fixed and Floating Objects), though often mentioned together, differ fundamentally in terms of insurance coverage and indemnities. Meanwhile, different insurance clause such as China’s PICC Ocean-going Hull Insurance, PICC Coastal and Inland Vessel Insurance, the English ITC Hulls Clause, and Protection and Indemnity (P&I) insurance — also differ significantly in their underwriting arrangement for the RDC (“Runing Down Clause”) & FFO liabilities. Understanding of these differences and the risk placement of the Hull & Machinery (H&M) and P&I insurance is of critical practical importance for shipowners to manage losses, handle insurance claims, and defend against third party liability claims more effectively and efficiently.
Please see attached file for details.
