B: You know,the loss in question was beyond the coverage granted by us.According to your instructions.we made out an insurance certificate covering WAP and the risk of breakage wasn't mentioned in it.
C: In the letter of credit only coverage for all marine risks was requested. l'd like to point out that our prices were calculated without insurance for any special risk. So we applied for the usual WAP coverage and let our customers deal with the matter of breakage.
A: Mr. King. we presume that the wording of our UC implies covering the risk of breakage. Besides.when I take a WAP insu-rance which is with particular average.l should think the risk of breakage is a particular average.isn't it?
C: Not every breakage is a particular average. It is a particular average when the breakage results from natural calamities or maritime accidents.lf none of these conditions occur,breakage is often considered as an ordinary loss,which is outside the scope of the coverage.
C:并不是所有破碎险都属于单独海损。只有由于自然灾害或意外事故造成的破碎才属于单. 独海损。如果没有发生上述事故，破碎险常被 认为是一种普通损失，不属于承保范围之内 。
A: But the risk of breakage is covered by marine insurance,isn't it'?
B: Of course,but it is a usual practice to make specific mention in the insurance policy or certificate that the risk of breakage is included.The inclusion of this special risk will be subject to an additionalpremium that will normally be higher than the basic insurance for the ordinary marine risks.
A: I see. Another thing I don't understand now is the advantage of WAP coverage.l thought that the WAP insurance should cover all principle risks while,according to what you say.it means very little.
B: Neither the WAP nor the FPA mention the risks covered or excl- uded. Look at the insurancecertificates and you will find that the risks of theft and pilferage, freshwater, oil, grease. hooks, breakage.leakage, contamination. deterioration. etc. are specifically mentioned and must be specifically applied for. These are special risks.
A: It seems that the error was on both sides and I think the loss should be shared by both parties.
B: Our price calculation could hardly admit that. Besides,we acted upon your instructions, so it is not our fault. But in view of our good partnership,we'll supply you with a favorite offer to compensatesome of your losses.