商务英语,Chapter 9.INSURANCE教案课件

1、Chapter 9 InsuranceContents Teaching Objectives Teaching Focus Teaching Methods Contents of LectureChapter 9 InsuranceTeaching Objectives To have a good understanding of risks and losses To have a good understanding of insurance clauses How to write an appropriate letter regarding issues of insuranc

2、e To have some knowledge of insurance policy Language pointsChapter 9 InsuranceTeaching Focus Risks and losses Insurance clauses Insurance documents Language pointsChapter 9 InsuranceTeaching Methods Lecture Presentation Group discussion tutorialChapter 9 InsuranceContents of LectureChapter 9 Insura

3、nce Cargo transport Insurance It is to protect the interests of importers and exporters from possible financial losses caused by risks during the transit of goods.Chapter 9 Insurance Parties involvedInsurer承保人承保人/保险人保险人: insures others against possible losses or damage and undertakes to make payment

4、 in case of losses.The Insured投保人投保人/被保险人被保险人: is the party who is insured against possible loss and to whom payment covering the loss will be made.Insurance policy: the contract between the insurer and the insured.Insured amount投保金额投保金额: the amount of money the insurer agrees to cover by insurance

5、against the subject matter.Premium保险费保险费: the sum of money the insured agrees to pay the insurer for an insurance policy.Chapter 9 InsuranceRisks and losses1.Different risks mean different losses2.Different risks are covered by different insurance clauses3.Different insurance clauses mean different

6、premium Chapter 9 Insurance Risk Perils of the sea 海上风险Risk Extraneous risk 外来风险Chapter 9 Insurance Risk Natural Calamity: perils under force majeure such as vile weather thunder storm, lightening, earthquake, flood, tsunami 海啸Perils of sea Fortuitous Accident: such as ship stranding 搁浅, striking up

7、on rocks, sinking, collision, fire, explosion, ship missing etc.Chapter 9 Insurance Risk General Extraneous risk: theft, rain, leakage, shortage, breakage, dampnessExtraneous risk Special Extraneous risk: war, strikes, failure of delivery, rejection etc. Chapter 9 Insurance Loss Total Loss: whole lo

8、t of the consignment has been lost or damaged or found valuelessLoss Partial Loss: loss or damage to the goods is only partial Chapter 9 Insurance Loss General Average: 共同海损 both ship and consignment on board are endangered. The captain intentionally and reasonably does some sacrifices Partial Loss

9、or makes some expense. The losses and expense are to be born by all parties concerned. Particular Average: 单独海损 particular consignment is partially damaged. The damage is to be born only by the party who suffer the losses. Chapter 9 Insurance Basic Risks Coverage for ocean Transportation Under China

10、 Insurance Clause (CIC)1. Free From Particular Average (FPA): 平安险平安险/ 单独海损不陪单独海损不陪 covers: Total loss of the consignment caused by natural calamities Total loss or partial loss caused by fortuitous accidents Partial or total loss consequent on falling of an entire package or packages in to the sea R

11、easonable expenses the insured makes for the salvage of losses.etc.Chapter 9 Insurance Basic Risks Coverage for ocean Transportation Under China Insurance Clause (CIC)2. With Particular Average (WPA) 水渍险水渍险/单独海损也陪单独海损也陪 covers: FPA+ partial losses of the goods caused by vile weather, lightening, tsu

12、nami, earthquake etc.3. All Risks covers: WPA+ General Extraneous RiskChapter 9 Insurance Additional Risks Coverage for ocean Transportation Under China Insurance Clause (CIC) -General additional risks: Theft, Pilferage & Non-Delivery Risks (TPND) Fresh and/or Rain Water Damage Risks Shortage Ri

13、sk Intermixture & Contamination Risks Leakage Risk Clash & Breakage Risks Taint of Odour Risks Sweating & Heating Risks Hook Damage Risk Rusk Risk Breakage of packing RiskChapter 9 Insurance Additional Risks Coverage for ocean Transportation Under China Insurance Clause (CIC) -Special ad

14、ditional risks: War Risk Strikes, Riots and Civil Commotions Chapter 9 Insurance VI. I.C.C. Internationally speaking, the Institute Cargo Clauses ICC协会货物条款set forth by the Institute of London Underwriters伦敦保险协会 is more popular. Insurance coverage under the new version of ICC falls into 6 clauses:1.

15、ICC (A) 协会货物（A）险条款2. ICC (B) 协会货物（B）险条款3. ICC (C) 协会货物（C）险条款4. Institute War ClausesCargo 协会战争险条款 （货物）5. Institute Strikes ClausesCargo协会罢工险条款（货物）6. Malicious Damage Clause 恶意损害险条款Chapter 9 Insurance Insurance Documents1. Insurance Policy Policy No. Name and address of the insurer Subject matter to

16、be insured (mark and No., quantity, description of goods, amount insured Premium Conveyance steamship Sailing date, port Risks to be covered Place where claim can be made Insurance dateChapter 9 Insurance Insurance Documents2. Insurance certificate simplified insurance policy3. Open policy预约保单预约保单 P

17、re-contract, the insurer offers insurance to the insured for the goods he dispatches within a certain period of time. The insured need only to inform the insurer the particulars of each transaction.4. Franchise 免陪率免陪率 it is often claimed by the insure for goods that are breakable or easy to lose wei

18、ght. The insurer does not cover the loss that does not exceed the franchise.Chapter 9 Insurance Insurance clauses in Sales Contract. Insurance to be effected by the seller for 110% of invoice value against All Risks and War Risk as per Ocean Marine Cargo Clauses of Peoples Insurance company of China.Chapter 9 Insurance Language pointsTo cover insurance on goods for 110% of invoice value against risksTo take out insurance on goods for 110% of invoice value against risksTo effect