外贸英语函电Unit10Insurance.ppt

Unit 10 Insurance,Content,Introduction Background information Case study Case 1 Useful phrases Exercises,. The purpose of insurance,to provide compensation for those who suffer from loss or damage. It is a contract of indemnity,. Parties involved in insurance,the insurer the party who agree to accept the risk the insured the party seeking protection from the risk the beneficiary can be same person the party who will get the compensation when any loss occur,Insurance policy 保险单 Contract between the insurer and the insured Insurance premium The sum of money the insured agrees to pay the insurer for an insurance policy Insurance amount,Background information,Marine risk Average Coverage,风险： risks, perils total loss 损失：losses particular average partial loss (单独海损） general average （共同海损） 险别：risks, perils, coverages 保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着紧密的联系，为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解。,海上风险 Perils of the Sea,外来风险 Extraneous Risks,自然灾害 (Natural Calamity),意外事故 (Fortuitous accidents),一般外来风险 General Extraneous Risks,特殊外来风险 Special Extraneous Risks,风险 Risks,损失 Losses,海上损失,其他损失,全部损失 Total Loss,实际全损Actual Total Loss,推定全损 Constructive Total Loss,部分损失 Partial Loss,共同海损General Average,单独海损Particular Average,一般外来损失,特殊外来损失,Marine risk,Perils of the sea(海上风险) natural calamities: fortuitous accidents Extraneous risks,Perils of the sea,natural calamities: heavy weather, lightening, earthquake, volcanic eruption and so on. fortuitous accidents: fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external object other than water,Heavy weather,lightening,earthquake,Volcanic eruption,Tunami（海啸）,Natural Calamities,Fortuitous accidents,fire,explosion,collision,Stranded触礁,sunk,Grounded搁浅,Extraneous risks,General Extraneous Risks: theft and pilferage, contamination, leakage, breakage, sweating and/or heating, taint of odor, rusting, hook damage, fresh and/or rain water damage, short-delivery and non-delivery, shortage in weight, clashing and so on. Special Extraneous Risks: war, strike, failure to deliver due to some special laws or regulations.,Average,Total loss: Actual Total Loss(实际全损) Constructive Total Loss(推定全损) Partial loss: General Average(共同海损) Particular Average(单独海损),Partial loss,1.General average It is a loss resulting from a voluntary sacrifice or expenditure in time of peril, for the safety of hull, cargo and freight.,2.Particular average: It means partial loss or damage accidentally caused to the ship or to a particular lot of goods. Particular average is not a total loss. It must be borne by the owner of the property suffering the loss, it is distinct from general average, which is shared by all who have a financial interest in the voyage and its risks in proportion to the value of their interests.,Coverage,basic risks Free from Particular Average (F.P.A) With Particular Average or With Average (W.P.A or W.A) All Risks additional risks general additional risks special additional risk,Basic risks,Free from Particular Average平安险（ F.P.A ） 范围较窄，只提供实际海损所引起的全损及共同海损的赔偿。不承担单独海损的赔偿 With Particular Average（WPA） 水渍险 水渍险对整个保险期间内由海难引起的全部损失或损坏提供广泛保险,All Risks (AR)一切险 不管是海难还是一般外来险原因所造成的被保之物的全损或部分损失的赔偿责任 包括共同海损和单独海损责任 外来原因造成的短少，短量，渗漏，碰碎，钩损，雨淋，生锈，受潮，受热，发霉，窜味，玷污等全部或部分损失也负责赔偿 不包括战争险，不合格包装，内在缺点等,Additional risks,general additional risks 偷窃提货不着险（Theft, Pilferage and Non-delivery缩 T.P.N.D），淡水雨淋 （Fresh Water/or Rain Damage），短量（Risk of Shortage）,混杂玷污险（Risk of Intermixture and Contamination）,渗漏险（Risk of Leakage）,碰损破碎险（Risk of Clash and Breakage） special additional risk 战争险（War Risk）,罢工险(Strikes Risk),交货不到险（Failure to Delivery）,进口关税险(Import Duty Risk),舱面险(On Deck Risk),拒收险(Rejection Risk)和黄曲霉素险(Aflatoxin).,Case 1,Which party is this letter written by ? What is his requirement? Why? Which company does he choose? Why? What other information is he asking for?,On CFR terms按报价 Take out 出具 An open policy 预约保险单 The Lloyd Insurance Company 劳埃德保险公司 On good terms with sb 交往甚好 Underwriter Premium rebate PICC The People,s Insurance Company of China,1. Insurance Policy (保险单,俗称大保单) 2. Insurance Certificate (保险凭证，俗称小保单） 3. Open Policy /Open Cover (预约保险单/总保险单),3 Forms of Marine Insurance Documents.,1. 保险单Insurance Policy,保险单是保险人已接受保险的正式凭证，俗称“大保单”，也是保险人和被保险人之间订契约的证明。,2.预约保单Open Policy,预约保险单它是保险人承保被保险人在一定时期内分批发运的货物所出立的保险单。在预约保险单内，载明保险货物的范围、险别，保险费率、每批运输货物的最高保险金额以及保险费的结算办理等。,3.保险凭证Insurance Certificate,保险凭证是保险人对货物已接受保险的一种证明文件，俗称“小保单”，是简化的保险单，保险凭证仅载明被保险人名称、被保险货物名称及数量、船名、航程、开航日期、险别、保险期限和保险金额等必要的项目，而对保险公司与被保险人的权利和义务则不予载明。保险凭证与保险单具有同等效力。,Useful phrases,1. cover insurance on against eg. We cover insurance on the goods for 110% of the invoice value against All Risks and War Risk. Similar phrase：cover, arrange insurance, effect insurance, provide/take out insurance eg. For this contract, we would like you to arrange insurance at your end.,表所保的货物，后接On Insurance on the 100tons of wool 表投保的险别，+against Insurance against all risks 保额+for Insurance for 110% of the invoice value 保费率+at Insurance at the rate of 向某保险公司投保+with Insurance with PICC,Insure 的用法,Vt. Insure sth./a risk Vi. Insure against a risk,Cover 的用法,Vt. Cover insurance Cover a risk Cover All Risks and War Risks Cover sth./sb. against a risk Cover the goods against All Risks Cover us against Breakage,Premium at a premium of eg. This kind of additional risk is coverable at a premium of 2%. The premium is for buyers account eg. Under different trade terms, the insurance charge can go for buyers account or the sellers account. Similar phrase： to be borne by the buyer to be charged to the buyers account,Vocabulary,insurance agent 保险代理人 insurance broker 保险经纪人 insurance certificate 保险凭证 insurance commission 保险佣金 insurance ma