{"id":11002,"date":"2011-03-04T16:00:00","date_gmt":"2011-03-04T16:00:00","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2011\/03\/04\/insurance-broker-s-liability\/"},"modified":"2025-09-01T01:21:54","modified_gmt":"2025-08-31T17:21:54","slug":"insurance-broker-s-liability","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/insurance-broker-s-liability\/","title":{"rendered":"Insurance Broker’s Liability"},"content":{"rendered":"

\"pdf\" ENG\"pdf\"<\/a> <\/a>\u4e2d\u6587  <\/a><\/p>\n

In the Hong Kong case of Kam Hing Trading v PICC & MST(HK), Kam Hing acting through its broker MST(HK) purchased an open cargo insurance cover from PICC which included the Institute Classification Clause (ICC \/01).<\/span><\/p>\n

The cargo was lost during the voyage and PICC repudiated liability on the grounds the vessel was not an approved vessel within the Institute Classification Clause. Kam Hing argued that MST was under a duty to ensure that they understood all the insurance terms and that had they known of the implications of the Institute Classification Clause, they would not have arranged for shipment of the cargo on such a non approved vessel.<\/p>\n

It was held that as the insurance brokers were not asked by Kam Hing to advise further on the terms of the Institute Classification Clause (which was a customary standard clause) and the insurance brokers could not be expected to know which terms of the quote their client did not understand, the insurance brokers were held not liable.<\/p>\n

It is therefore important for insurance brokers to highlight any special terms of the quote and to ensure the client understands such terms. Further it is important for the client\/assured to ensure he reads the terms of the quote and seeks clarification from the broker if necessary.<\/p>\n

In another case William Jackson & Sons v Oughtred & Harrison, it was held the broker’s duty to advise was lower where the assured \/ client had attained a higher level of sophistication.<\/p>\n


<\/span><\/strong><\/p>\n

\u4fdd\u9669\u7ecf\u7eaa\u4eba\u7684\u6cd5\u5f8b\u8d23\u4efb<\/span><\/strong><\/p>\n

\u5728 Kam Hing Trading v PICC & MST(HK) \u8fd9\u4e2a\u6848\u5b50\u91cc\uff0cKam Hing \u901a\u8fc7\u4ed6\u7684\u4fdd\u9669\u7ecf\u7eaa\u4eba MST\uff08HK\uff09\u5411PICC \u8d2d\u4e70\u4e86\u8d27\u7269\u9884\u7ea6\u4fdd\u9669\uff0c\u5176\u4e2d\u5305\u542b\u4e86\u4f26\u6566\u4fdd\u9669\u534f\u4f1a\u7684\u8239\u7ea7\u6761\u6b3e\uff08ICC\/01\uff09\u3002\u8d27\u7269\u5728\u822a\u884c\u8fc7\u7a0b\u4e2d\u706d\u5931\uff0c\u4f46\u662fPICC\u8ba4\u4e3a\u627f\u8fd0\u8be5\u8d27\u7269\u7684\u8239\u8236\u4e0d\u5c5e\u4e8e\u4f26\u6566\u4fdd\u9669\u534f\u4f1a\u7684\u8239\u7ea7\u6761\u6b3e\u4e0b\u88ab\u8ba4\u53ef\u7684\u8239\u8236\uff0c\u56e0\u800c\u62d2\u7edd\u8d54\u4ed8\u3002Kam Hing\u65b9\u9762\u8ba4\u4e3a\u4fdd\u9669\u7ecf\u7eaa\u4ebaMST\uff08HK\uff09\u6709\u4e49\u52a1\u786e\u4fddKam Hing (\u88ab\u4fdd\u9669\u4eba) \u7406\u89e3\u6240\u6709\u4fdd\u9669\u6761\u6b3e\u7684\u5185\u5bb9\uff0c\u5982\u679c\u4ed6\u4eec\u4e8b\u5148\u77e5\u9053\u4f26\u6566\u4fdd\u9669\u534f\u4f1a\u7684\u8239\u7ea7\u6761\u6b3e\u7684\u542b\u4e49\uff0c\u5c31\u4e0d\u4f1a\u5b89\u6392\u4e00\u8258\u672a\u7ecf\u8ba4\u53ef\u7684\u8239\u8236\u6765\u627f\u8fd0\u8be5\u8d27\u7269\u3002\u6cd5\u9662\u8ba4\u4e3a\uff0c\u4fdd\u9669\u7ecf\u7eaa\u4eba\u6ca1\u6709\u8d23\u4efb\u3002\u56e0\u4e3a Kam Hing \u6ca1\u6709\u8981\u6c42\u4fdd\u9669\u7ecf\u7eaa\u4eba\u5bf9\u8be5\u6761\u6b3e\uff08\u4f5c\u4e3a\u56fd\u9645\u901a\u7528\u7684\u6807\u51c6\u6761\u6b3e\uff09\u7684\u5177\u4f53\u5185\u5bb9\u8fdb\u884c\u89e3\u91ca\uff0c\u4fdd\u9669\u7ecf\u7eaa\u4eba\u4e0d\u53ef\u80fd\u77e5\u9053\u5ba2\u6237\uff08\u88ab\u4fdd\u9669\u4eba\uff09\u4e0d\u4e86\u89e3\u54ea\u4e00\u9879\u6761\u6b3e\u3002<\/p>\n

\u56e0\u6b64\u4fdd\u9669\u7ecf\u7eaa\u4eba\u9700\u8981\u7279\u522b\u6ce8\u610f\uff0c\u5411\u5ba2\u6237\u8bf4\u660e\u62a5\u4ef7\u4e2d\u53ef\u80fd\u5305\u542b\u7684\u4e00\u4e9b\u7279\u6b8a\u7684\u6761\u6b3e\uff0c\u5e76\u786e\u4fdd\u5ba2\u6237\u7406\u89e3\u8fd9\u4e9b\u6761\u6b3e\u7684\u5185\u5bb9\u3002\u540c\u65f6\uff0c\u5ba2\u6237\uff08\u88ab\u4fdd\u9669\u4eba\uff09\u4e5f\u9700\u8981\u786e\u4fdd\u81ea\u5df1\u7406\u89e3\u62a5\u4ef7\u4e2d\u5404\u4e2a\u6761\u6b3e\u7684\u5185\u5bb9\uff0c\u5982\u6709\u4e0d\u786e\u5b9a\u7684\u5730\u65b9\uff0c\u5e94\u53ca\u65f6\u54a8\u8be2\u4fdd\u9669\u7ecf\u7eaa\u4eba\u3002<\/p>\n

\u5728\u53e6\u5916\u4e00\u4e2a\u6848\u5b50 William Jackson & Sons v Oughtred & Harrison \u4e2d\uff0c\u867d\u7136\u88ab\u4fdd\u9669\u4eba\u65b9\u9762\u63d0\u4f9b\u4e86\u975e\u5e38\u4e30\u5bcc\u7684\u8bba\u636e\uff0c\u4f46\u662f\u6cd5\u9662\u8ba4\u5b9a\u7ecf\u7eaa\u4eba\u6240\u5e94\u627f\u62c5\u7684\u8bf4\u660e\u4e49\u52a1\u7684\u7a0b\u5ea6\u66f4\u4f4e\u3002<\/p>","protected":false},"excerpt":{"rendered":"

 ENG CHN   In the Hong Kong case of Kam Hing Trading v PICC & MST(HK), Kam Hing acting through its broker MST(HK) purchased an open cargo insurance cover from PICC which included the Institute Classification Clause (ICC \/01). The cargo was lost during the voyage and PICC repudiated liability on the grounds the vessel was […]<\/p>","protected":false},"author":1,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[125],"class_list":["post-11002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-english"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/11002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=11002"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/11002\/revisions"}],"predecessor-version":[{"id":20663,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/11002\/revisions\/20663"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=11002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=11002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=11002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}