chapterteninsurance

1、ObjectivesIntroductionNew Words & Expressions Analysis of Sample LettersKeys to Exercises 1. 保险在外贸业务中的重要性保险在外贸业务中的重要性 2. 国际贸易中的主要险种国际贸易中的主要险种 3. 涉及保险的商业信函的撰写涉及保险的商业信函的撰写 To spread the financial losses of the insured members over the whole of the insuring community by compensating the misfortune

2、few from the fund built up from the contributions of all members. Today, insurance is a form of intangible trade which helps our country to accumulate foreign exchange. Businessmen should have a thorough knowledge of it and the ability to handle its problems to win over the business of insurance. It

3、 is customary to insure goods sold It is customary to insure goods sold for for export against the risks of the journey. In export against the risks of the journey. In international trade, the transportation of international trade, the transportation of goods from the seller to the buyer is goods fr

4、om the seller to the buyer is generally over a long distance by air, by generally over a long distance by air, by land or by sea and has to go through the land or by sea and has to go through the procedures of loading, unloading and procedures of loading, unloading and storing. storing. During this

5、process it is quite During this process it is quite possible that the goods will encounter possible that the goods will encounter various kinds of risks and sometimes various kinds of risks and sometimes suffer losses. In order to protect the suffer losses. In order to protect the goods against poss

6、ible loss in case of goods against possible loss in case of such risks, the buyer or seller before such risks, the buyer or seller before the transportation of the goods usually the transportation of the goods usually applies to an insurance company for applies to an insurance company for insurance

7、covering the goods in transit.insurance covering the goods in transit.The premium charged for the insurance The premium charged for the insurance policy is calculated according to the risks policy is calculated according to the risks involved. A policy which protects the involved. A policy which pro

8、tects the holder against limited risks charges a low holder against limited risks charges a low premium, and policy which protects premium, and policy which protects against a large number of risks charges a against a large number of risks charges a high premium.high premium.The insurance value is c

9、alculated as: The insurance value is calculated as: cost of goods + amount of freight + cost of goods + amount of freight + insurance premium + a percentage of insurance premium + a percentage of the total sum to represent a reasonable the total sum to represent a reasonable profit on sale of the go

10、odsprofit on sale of the goods. .For CIF transactions, we usually effect For CIF transactions, we usually effect insurance for 110% of the invoice value insurance for 110% of the invoice value against (risks), that is to say 100% is against (risks), that is to say 100% is for CIF invoice value and 1

11、0% is to for CIF invoice value and 10% is to cover a reasonable profit and some cover a reasonable profit and some expenses. Sometimes, buyers may expenses. Sometimes, buyers may request insurances to cover more than request insurances to cover more than 110%. In such circumstances, the extra 110%.

12、In such circumstances, the extra premium will be for buyers account.premium will be for buyers account.基本险基本险平安险（平安险（Free from Particular Average,FPA)水渍险水渍险(With Particular Average，WPA or WA）一切险（一切险（All Risks）2022-4-5u一般附加险一般附加险偷窍提货不着险偷窍提货不着险(Theft Pilferage and NondeliveryT.P.N.D)淡水雨淋险淡水雨淋险(Fresh W

13、ater RainDamage,F.W.R.D)短量险（短量险（Short-weight)混杂、沾圬险（混杂、沾圬险（Rish of Intermixture &Contamination)串味险（串味险（Risk of Odour）碰撞险（碰撞险（Risk of Clash）破碎险（破碎险（Risk of Breakage）锈损险锈损险（Risk of Rusting）渗漏险（渗漏险（Risk of Leakage）受潮受热险（受潮受热险（Risk Caused by Heating &Sweating）钩损险（钩损险（Hook Damage）2022-4-5u特别附加险特别

14、附加险战争险（战争险（War Risk）罢工险（罢工险（Strik Risk）交货不到险交货不到险（Failure to Deliver Risk）进口关税险（进口关税险（Import Duty Risk）拒收险拒收险（Rejection Risk）舱面险舱面险（On Deck Risk）黄曲霉素险黄曲霉素险（Aflatoxin Risk）出口货物到香港、九龙或澳门存仓火险扩展条款出口货物到香港、九龙或澳门存仓火险扩展条款（Fire Risk Extension Clause for Storageof Cargo at destination Hongkong,includingKowloo

15、n,or Macao简简称称FREC）v Put forward the problem of insurance in a positive way.v State which kind of insurance is desired and provide the reader with convincing and specific reasons.v Express expectations for an early reply or cooperation. 1. 与与insurance 有关的一些短语有关的一些短语( (1) )与与on 连用，表示投保的货物：连用，表示投保的货物：

16、insurance on 100 tons of cotton( (2) )与与against 连用，表示投保的类别：连用，表示投保的类别：insurance against war risk( (3) )与与at 连用，表示保费或费率：连用，表示保费或费率：insurance at the rate of 10%, insurance at a lower premium( (4) )与与 with 连用，表示向保险公司投保：连用，表示向保险公司投保：insurance with Xinhua Life Insurance Company of China(1) to insure W.P.

17、A (F.P.A)投保水渍险（平安险）投保水渍险（平安险） Please insure F.P.A at your end. 请在贵处投保平安险。请在贵处投保平安险。 We generally insure W.P.A on C.I.F sales. 按按CIF价出售的货物，我们一般投保水渍险。价出售的货物，我们一般投保水渍险。(2).to insure (cover)against 投保投保险险 Please cover the goods against War Risks. 请将货物投保战争险。请将货物投保战争险。 We have insured the goods F.P.A and

18、against All Risks. 我们已将货物投保平安险和一切险。我们已将货物投保平安险和一切险。(3) to arrange (effect, cover, take out) insurance投投保保 As our order was placed on a CIF basis, the insurance is to be arranged by you. 由于我方是按由于我方是按CIF价订货的，应由你方投保。价订货的，应由你方投保。 We will effect insurance on your behalf. 我方愿代贵方投保。我方愿代贵方投保。 Have you taken

19、 out insurance for us on these goods? 贵方是否已代我方对此货物投保？贵方是否已代我方对此货物投保？(4) to cover (insure) sb.on sth. Please insure us on the following goods. 请为我方投保下列货物。请为我方投保下列货物。(5) to insurefor按按金额投保金额投保We shall insure the goods for 110% of the invoice value.我方将按发票金额我方将按发票金额110%投保此货物投保此货物We wish you to insure th

20、e goods for the invoice value plus 10%我方希望贵方按发票金额加我方希望贵方按发票金额加10%投保。投保。(6) to insure with向向投保投保 We usually insure with the Peoples Insurance Company of China for the goods sold on CIF basis. 我方一般对按我方一般对按CIF价出售的货物向中国人民保价出售的货物向中国人民保险公司投保。险公司投保。 Insurance is to be effected by the sellers against All Ri

21、sks for 110% of the invoice value with the Peoples Insurance Company of China. 由卖方按发票金额由卖方按发票金额110%向中国人民保险公司向中国人民保险公司投保一切险。投保一切险。2. onbasis与之相关的短语有：与之相关的短语有：on the basis of, be based on, base on Reference is to made to our order No. 213 covering 300 sets of sewing machines, which is placed on CFR ba

22、sis. 请参看我们请参看我们213号定单下的号定单下的300台洗衣机，这是台洗衣机，这是以成本加运费为基础的。以成本加运费为基础的。 3. approve v.i. 批准、赞成，与介词批准、赞成，与介词of 连用连用Our company has approved of the insurance rate you offered in your letter of May 5th. 我公司已批准你方在我公司已批准你方在5月月5日来函中所报保险费日来函中所报保险费率。率。 We are eager to know if our offer has been approved by your

23、firm. 我方急于知道我们的报价是否得到贵方批准。我方急于知道我们的报价是否得到贵方批准。4. refer to 谈到，提到谈到，提到We d like to refer you to our reply of August 29th, in which we have clearly stated our insurance policy. 提请你们参看我方提请你们参看我方8月月29日回函，在回函中我们日回函，在回函中我们已清楚地解释了我方的保险政策。已清楚地解释了我方的保险政策。 As to the rate, you can refer to the official document

24、s of PICC. 至于费率，你们可参看中国人民保险公司的正至于费率，你们可参看中国人民保险公司的正式文件。式文件。5. be subject to 受约束，受控制受约束，受控制The rate now being charged by us for the proposed shipment against all risks will be 10% subject to China Insurance Clauses. 按照中国保险条款，我方对投保一切险的货物按照中国保险条款，我方对投保一切险的货物收取的费率是收取的费率是10%。 What we should like to point

25、 out here is that the agreement reached between us is subject to the further instructions from our headquarter. 需要指出，我们所达成的协议应以我方总部的需要指出，我们所达成的协议应以我方总部的进一步指示为准。进一步指示为准。6. amendment n. 修改，修正修改，修正Any amendment in the contract can be only made after having the consent of the two parties concerned. 只有在双

26、方同意的情况下才可对合同内容做出只有在双方同意的情况下才可对合同内容做出修改。修改。 With regard to the present price level, we proposed an amendment in the contract we signed on May 1st. 鉴于目前的价格水平，我们建议对鉴于目前的价格水平，我们建议对5月月1日的合日的合同内容进行修改。同内容进行修改。 7. on condition that 如果，在如果，在条件下条件下We accept your offer on condition that the time of shipment is

27、 May. 我方接受你方报盘，但以装运期我方接受你方报盘，但以装运期5月为条件。月为条件。 Our customers agree to place orders immediately on condition that you allow them a discount of 4%.如果能给予如果能给予4%的折扣，我方客户们同意立即订的折扣，我方客户们同意立即订购。购。8. premium n. 保险费保险费 premium loan 保险借款保险借款 premium tariff 保险费率表保险费率表 premium note 保险费付款期票保险费付款期票 A brief introdu

28、ction of the letter This is a letter from the buyer to the seller who wishes to make a change in trade terms, because the buyer has already taken out an open policy with the Lloyds Insurance Company in London. Meanwhile, the buyer requests the seller to supply him with full details regarding the cov

29、erage handled by the Peoples Insurance Company of China.Analyzing the letter: Paragraph one:identifying the reference Paragraph two :stating the reason for requirement for CFR terms. Paragraph three: asking for full details of coverage handled by PICC. Paragraph four:the closing sentence of the lett

30、er.Chinese version of the letter:A brief introduction to the letter This letter is from the sellers to the buyers requesting the buyers to delete the word “Breakage” from the insurance clause in their credit.Analyzing the letter: Paragraph one:identifying the reference.Paragraph two:proposing a requ

31、est.Paragraph three: explaining the reasons.Paragraph four:the closing sentence of the letter. Chinese version of the letter: 1. In particular we wish to know whether you can issue a special rate in return for the promise of regular monthly shipment.2. As shipment is due to begin on 14th March, plea

32、se let us have your quotation by return.3. On what terms will you be glad to arrange an all risks policy for us?4. The invoiced value of the consignment, including the freight and commission, is $2,500.5. We are pleased to note that you are ready to insure with us a shipment of Chinese porcelain fro

33、m Shanghai to Sydney by sea.6. If you find our rate acceptable, please present the details of your shipment so that we may issue our policy accordingly.7. The terms you quote for an open policy of 1,200 covering all risks will apply to our consignment on the routes named.8. We thank you for your rep

34、ly to our inquiry of April 29.9. If you can kindly arrange to insure the same on our behalf against All Risks we shall be greatly obliged.10. Under the ordinary circumstance, no loss or theft of such merchandise as mild steel is likely to occur during transportation. 1. We shall provide such coverag

35、e at your cost.2. Please arrange to supply these and charge to our account.3. Our clients request their order to be insured against all risks and war risk. Please arrange for the insurance cover accordingly.4. Please hold us for the consignment referred to below.5. We will arrange insurance coverage

36、 on your behalf.6. Please insure at invoice value plus 10%.7. We shall take out insurance at this end under our Open Policy.8. The coverage is for 110% of invoice value up to the port of destination.9. Insurance Certificate will follow as soon as we receive it from the underwriter.10. As the premium

37、 varies with the extent of insurance, extra premium is to be covered. 1. Please cover insurance on the consignment at (改为改为 for) 110% of the invoice value against All Risks with PICC.2.We will arrange insurance by (改为改为on) your behalf.3. Since the premium varies with the extent of insurance, extra p

38、remium is from (改为改为for) buyers account, should additional risks be covered.4. We have taken out an open policy in (改为改为with) that insurance company.5. In the meantime, we should be obliged if you could supply us for (改为改为with) full details regarding the scope of cover handled by the Peoples Insuran

39、ce Company of China for our reference.6. We hope no difficulty will arise to (改为改为in) connection with the insurance claim and thank you in advance for your trouble.7. On (改为改为in) the event of shipping, please inform us.8. If you desire to cover All Risks, we can provide such coverage with (改为改为at) a slightly higher premium.Read the following lette