Insurance of ships, yachts, and boats

Kroz ovaj rad biti će objašnjen dio pomorskog osiguranja koji se tiče brodova, jahti i brodica, prikazati će se osnovni pojmovi osiguranja, te subjekti pomorskog osiguranja, kao i interes brodara za osiguranje plovila. Pravni posao osiguranja kojim se osiguravaju brodovi, roba (teret) koja se prevozi brodovima, odgovornost brodara i drugi interesi izloženi rizicima mora, naziva se pomorsko osiguranje. Pomorsko osiguranje pruža ekonomsku zaštitu od različitih opasnosti koje ugrožavaju nečiju imovinu ili integritet. Zaštita, kao takva, se ostvaruje sklapanjem specifičnog obveznopravnog posla, odnosno ugovora o osiguranju. Ugovor u pomorskom osiguranju sklapa se suglasnošću volja ugovornih stranaka. Ostvaruje se tako da jedna stranka izdaje ponudu za sklapanje ugovora drugoj, a druga stranka tu ponudu prihvaća (često uz određene dopunske uvjete). Prihvaćanjem pravovaljane ponude, smatra se da je ugovor između stranaka sklopljen. Prijedlog za sklapanje ugovora o osiguranju mogu dati obje ugovorne stranke, odnosno ugovaratelj osiguranja ili osiguratelj. Ugovor o pomorskom osiguranju je neformalno pravni posao što znači da za njegovo sklapanje nije potrebna pisana forma. Zbog toga je uobičajeno da osiguratelj na zahtjev osiguranika izdaje ispravu kojom potvrđuje da je ugovor sklopljen. Najpoznatija isprava pomorskog osiguranja je polica.This paper describes maritime insurance in regard to ships, boats and yachts, and explains the basic terms regarding insurance and subjects of maritime insurance as well as interest of vessels owners for vessel insurance. The legal process of insurance by which vessels, the cargo they transport, the responsibility of the ship owner, and other interests exposed to maritime risks is called maritime insurance. Maritime insurance offers economic protection from possible perils which could jeopardise one's property or integrity. Protection, as such, is realised by drawing up a specific legal document, i.e. an insurance contract. A contract in maritime insurance is drawn up with both parties' consent. It is realised when a party places a contract offer to another party that then accepts it (often with certain additional conditions). By accepting the legal offer, it is considered that a contractual agreement between both parties has been made. Both parties, the policy holder and the insurer, can make changes to it. A maritime insurance contract is an informal legal procedure which means that it needn't be in the written form. It is therefore common that the insurer, at the request of the insuree, issues a document which certifies that a contract has been concluded. The most prominent maritime insurance document is the policy