问答题 What are the scope of F. P. A. ,W. P. A.  a.nd All risks?
【正确答案】(1) The scope of F.P.A.
   ·Actual total loss or constructive total loss of the whole consignment hereby insured caused in the course of transit by natural calamities, such as vile weather, thunder and lightning, etc.
   ·Total or partial loss caused by accidents-the carrying vessel being grounded, stranded, sunk, or in the collision with floating ice or other objects, as well as fire or explosion.
   ·Partial loss caused by bad weather, lightning, and/or tsunami, etc.,where the conveyance has been grounded, stranded, sunk, irrespective of whether the event or events to take place before or after such accidents.
   ·Partial or total loss consequent on falling of entire package or packages into sea during the process of loading, unloading or transshipment.
   ·Reasonable cost incurred by the insured in salvaging the goods or preventing or minimizing a loss recoverable under the policy, providing that such cost shall not exceed the sum insured of the goods saved.
   ·Special charges arising from loading, unloading, warehousing and forwarding of the goods at an intermediate port or refuge when conveyance meets natural calamities and fortuitous accidents.
   ·Sacrifice in and contribution to general average, and salvage charges resulting from the above mentioned accidents as well as other reasonable expenses in salvaging the cargoes from perils.
   ·Under the carriage contract "both to blame collision" clause, proportion of loss sustained by the ship owners as is to be reimbursed by the cargo owner.
   (2) The scope of W.P.A.
   It covers partial loss due to vile weather, lightning, tsunami, earthquake and/or flood as well as the risks covered under F.P.A. condition as mentioned above.
   (3) The scope of All risks
   Aside from the risks covered under the F.P.A. and W.P.A. conditions as above, this insurance also covers all risks of losses or damage to the insured goods whether partial or total, arising from external causes in the course of transit.
【答案解析】