Total and partial loss or damage of the insured ship

Pomorsko osiguranje pruţa ekonomsku zaštitu sudionicima pomorskog pothvata od razliĉitih opasnosti što ugroţavaju njihovu imovinu. Ta se zaštita ostvaruje zasnivanjem ugovora o pomorskom osiguranju. Potpuni i djelomiĉni gubitak ili oštećenje osiguranog broda spadaju pod osigurane štete prema pozitivnim zakonskim propisima te ugovornim uvjetima osiguranja. Pod pojmom osigurane štete podrazumijeva se gubitak ili oštećenje osiguranog predmeta, kao i svaka druga vrsta osiguranjem pokrivene štete ili troška poruzroĉenog ostvarenjem osiguranog rizika. Posljedice ostvarenja osiguranog rizika mogu se ogledati u potpunom ili djelomiĉnom gubitku osiguranog predmeta, njegovu oštećenju, raznim troškovima i obvezama osiguranika prema trećim osobama.Marine insurance provides economic protection to maritime venture participants against the various hazards that endanger their property. This protection is achieved by establishing a marine insurance contract. The total and partial loss or damage of the insured vessel are covered by the insured damage according to the positive legislation and contractual terms of insurance. The term insured damage refers to the loss or damage of the insured item, as well as any other type of insured covered damage or expense caused by the realization of insured risk. The consequences of realizing the insured risk can be reflected in the total or partial loss of the insured object, its damage, various costs and liabilities of the insured towards third parties