P&I-försäkring- Redarens skadeståndsansvar vid sjötransport av farligt gods
Sammanfattning: The P&I insurance is the shipowners liability insurance and is only provided by the clubs. Sveriges Ångfartygs Assurans Förening (SÅAF) or as it now day is called, the Swedish club, is Swedens P&I-club. P&I stands for protection and indemnity and protects the shipowner from liability. In the world of marine insurance, the P&I insurance differs from the hull insurance. Hull insurance covers losses to the vessel itself, machinery and equipment, and the P&I insurance covers the shipowners liability in concern of pollution, personal injuries and so on. In some cases the P&I insurance acts as a support to the shipowners other insurances. This occurs when the shipowners liability is covered by his hull insurance. There are no fixed sum for compensation for the P&I insurance, other than for oil pollution, this can result in high compensation costs for the insurance company. Because of the fact that the shipowner has a absolute liability in concern of oil pollution it is important that he protects himself from the risk of having to pay for the damages himself, by insuring his interest. Today there are a couple of conventions regulating oil pollution at sea. The national rules regarding liability and compensation for pollution is found in the Law of the Sea 10 chapter and the law (2005:253) of compensation from the international oil pollution fund. The Law of the sea does not today comprise accidents concerning pollution from hazardous and noxious substances, and there are no other legal rules in Sweden regarding this. IMO has adopted a convention regarding compensation for damage caused by carriage by sea of hazardous and noxious substances, the HNS-convention. The convention has not yet been acceded by Sweden.
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