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  SWQ_63
5
.04.2008
Insurance documents in multiple languages
  Question:

Name: Cristian Dobre

Dear all,

Thank you very much for your prompt reply with regard to my previous query as to the effective date on the insurance certificate (SW question # 60)

I would like to post a new one, of course with another insurance certificate that troubled me a lot.

The facts:

L/C states Insurance certificate for 110 pct value of goods.

Additional conditions: documents issued in another language than English is not acceptable.

A certificate of insurance has been presented consisting of 1 document and 2 attachments thereto.

The docs itself and first attachment is 100 pct issued in Italian and the second attachment in English bearing the title 'Translation'.

More than that translation is incomplete as to the original document and presents some inconsistency of which: original document shows place of receipt city A and translation show city B (the latter as stipulated in L/C).

Document and both attachments (no.1 and no. 2 as described) bear the authentication of the insurance company.

Do I have to consider the English translation as certificate itself to be reviewed under LC and the other to consider additional docs (the view of my colleagues) or, in line with ISBP art. 26 (multiple pages and attachments) to which I fully agree, I should review all 3 documents as one. My understanding is that in reality the insured will go to the original certificate for claims and not with translation as a separate document.

 

 
  Answer (from Bogdan Ilie)

 

Article 14(d) applies. As long as data in the insurance certificate aren't correlated with data in attachment and do conflict with the LC, it is a discrepancy.

Regards,

Bogdan

 

 
  Answer (from Kim Christensen)

The way you describe it - it surely sounds like the documents are discrepant - but one would need to see them to evaluate precisely.