一、海事保險意外事故發生後，保險公證人除調查損害原因之外，亦應確認損失情況， 請詳述 1906 年英國海上保險法（Marine Insurance Act,1906）中有關 constructive total loss 及 actual total loss 之相關規定為何？（25 分）

⑴ Claims Setting Agent

⑵ Average Adjuster

⑶ Marine Insurance Surveyor

⑷ Protection & Indemnity Club

三、請以英文寫出被保險人向海上貨物保險人求償時應提出之相關文件。（14 分）

⑴ Unless the policy otherwise provides, where there is a change of voyage, the insurer is discharged from liability as from the time of change, that is to say, as from the time when the determination to change it is manifested; and it is immaterial that the ship may not in fact have left the course of voyage contemplated by the policy when the loss occurs.（10 分）

⑵ This insurance covers the Vessel's proportion of salvage, salvage charges and/or general average, reduced in respect of any under-insurance, but in case of general average sacrifice of the Vessel the Assured may recover in respect of the whole loss without first enforcing their right of contribution from other parties. Adjustment to be according to the law and practice obtaining at the place where the adventure ends, as if the contract of affreightment contained no special terms upon the subject: but where the contract of affreightment so provides the adjustment shall be according to the York-Antwerp Rules.（15 分）

五、試以英文寫出貨損發生後對運送人之損失通知書內容。（16 分）

四、何謂偏航？請說明偏航之正當性？請列舉二項說明屬正當偏航事例？以及偏航之效果又如何？（30 分）

三、何謂代位求償書（Letter of Subrogation）？於理賠實務上，何以保險人要求 被保險人簽署代位求償書？此代位求償書的內容主要為何？（20 分）

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