外贸英语函电 unit ten

1、Unit TenInsuranceInsurance The purpose of insurance is to provide compensation for those who suffer from loss and damagevthe business of providing insurance 保险业vthe money you pay regularly to an insurance company = insurance premium 保险金 vThe contract of insurance is insurance policy 保单 Classificatio

2、ns of Insurance Concerning means of transportation, there are four kinds of basic insurance: Marine insurance Land transportation insurance Air transportation insurance Mail/Parcel transportation insuranceParties Involved in Insurancevinsurer: a person or company that provides insurance = insurance

3、underwriter 保险商vinsured: a person whose life or property is insured an insured, 投保人vpolicy-holder: someone who has bought insurance for something, the owner of an insurance policy 保单持有人v(insurance) assessor: （保险）估损员v(insurance) surveyor:（保险）勘查员，调查员风险风险RISK海上风险海上风险PERILS OF THE SEAPERILS OF THE SEA外来

4、风险外来风险EXTRANEOUS RISKSEXTRANEOUS RISKS自然灾害自然灾害Natural Calamities意外事故意外事故Fortuitous Accidents一般外来一般外来特殊外来特殊外来海洋货运保险保障的风险海洋货运保险保障的风险 refer to the calamities caused by the forces of Nature, such as heavy weather, lightning, tsunami, earthquake, and flood. refer to the events happened unexpectedly, such

5、 as the carrying conveyance being grounded, stranded, sunk or in collision with floating ice or other objects as well as fire or explosion.Main types of insurancevFPA (Free from particular average)平安险 It is a limited form of cargo insurance only provides coverage for total losses and general average

6、 emerging from the actual “marine perils” like vessel being stranded or sunk.Main types of insurancevWPA (With particular average) 水渍险 It is a wider cover than FPA. It provides extensive cover, including partial loss or damage which may be attributed to natural disasters.Main types of insurancevAll

7、Risks 一切险 It is the most comprehensive of the three basic coverage. The insurer is responsible for all total or partial loss of, or damage to the goods insured either from sea perils or general external causes.损失损失LOSS部分损失部分损失PARTIAL LOSSPARTIAL LOSS全部损失全部损失TOTAL LOSSTOTAL LOSS单独海损单独海损Particular Ave

8、rage (P.A.)共同海损共同海损General Average实际全损实际全损Actual Total Loss推定全损推定全损CONSTUCTIVE TOTAL LOSS海洋货运保险保障的损失海洋货运保险保障的损失vGeneral Average 共同海损 It is a loss resulting from a voluntary sacrifice or expenditure, in time of peril, for the safety of hull, cargo and freight.vParticular Average 单独海损 It means partial

9、 loss or damage accidentally caused to the ship or to a particular lot of goods. It is not a total loss. It must be borne by the owner of the property suffering the loss.Main types of insurancevGeneral additional risks 一般附加险 Include TPND (Theft, Pilferage and Non-delivery)偷窃提货不着险, Fresh Water Rain D

10、amage淡水雨淋险， Risk of Shortage短量险， Risk of Intermixture and Contamination混杂沾污险, etc. It is included in All Risks coverage.Main types of insurancevSpecial additional risks 特别附加险 Include War Risk, Strikes Risk, Failure to Delivery交货不到险, Import Duty Risk进口关税险, On deck Risk 舱面险etc. These additional risks

11、are insured together with FPA, WPA and All Risks.Sample letters Lets read the sample letters on page 204- 211 in details.vInsure vt. 保险保险 insure on ones behalf 为为投保投保 insure against All Risks / FPA / WPA投投保保险险 insure against at % of invoice value 按发票金额百分之按发票金额百分之投保投保险险e.g. Please insure the goods on

12、 our behalf against All risks and War risk at 110% of invoice value. vRefund v. n. pay back money to sb. 偿付偿付 还款还款 e.g. refund the purchase price 退还购买价 v.You may ask for refund for any unsatisfactory goods. n.vPremium the payment made for insurance 保费保费e.g. health insurance premium 健康保险费 maximum pre

13、mium 最高保险费 vEffect insurance for ones account 替替方投保方投保e.g. please effect insurance against WPA for our account.vCover the shipment with against 向向保保险公司为货物投保险公司为货物投保险险e.g. We have covered the shipment with Lloyds against All Risks. Lloyds 劳埃德海上保险协会 a world famous insurance organization 又称劳埃德社，英国最大的保险

14、组织英国最大的保险组织，是当今世界上惟一允许个体保险人经营保险业务的保险市场。 劳合社本身是个社团，更确切地说是一个保险市场，与纽约证券交易所相似，但只向其成员提供交易场所和有关的服务，本身并不承保业务，而是由取得会员资格的承保人以自己的名义来办理承保业务。该社为其所属承保人制订保险单、保险证书等标准格式，此外还出版有关海上运输、商船动态、保险海事等方面的期刊和杂志，向世界各地发行。 总的说来，劳合社本身不接受保险业务，所以劳合社只是一个管理与服务的机构，并不是一个保险公司。英国的劳合社英国的劳合社vInsurance surveyor 货物检查员 an inspector who exami

15、nes cargos or goods in case of a claim for damage or inferiorityvin the presence of sb. 在在在场的情况下在场的情况下e.g. The damage inspection was carried out in the presence of both buyer and seller. vSurveyors report 检查员报告检查员报告 vShipping agents statement 轮船公司代理人的声明轮船公司代理人的声明vCharge sth. to ones account 记在记在的帐上的

16、帐上e.g. Please insurance our goods against All Risks and War Risks, charge the extra premium to our account. vRate of premium 保险费率保险费率 e.g. the PICC offers relatively lower rate of premium compared to other insurance companies. vAs per Institute Cargo Clauses 根据（伦敦保险）协会货物保险条款根据（伦敦保险）协会货物保险条款e.g. We s

17、hall cover your goods against All Risks as per ICC. vocabularyAll risks (A.R.)With Particular Average (W.P.A.)Free from Particular Average (F.P.A)General Average (G.A.)Particular Average (P.A.)General Additional RisksSpecial Additional Risks一切险，综合险一切险，综合险水渍险水渍险平安险平安险共同海损共同海损单独海损单独海损一般附加险一般附加险特殊附加险特殊

18、附加险vocabularyICC (Institute Cargo Clauses)PICC (The Peoples Insurance Company of China)CIC (China Insurance Clauses)Ocean Marine Cargo Clauses of PICC（伦敦保险）协会货物条（伦敦保险）协会货物条款款中国人民保险公司中国人民保险公司中国保险条款中国保险条款中国人民保险公司海洋运中国人民保险公司海洋运输货物保险条款输货物保险条款Useful expressions1.Please insure / cover us on the following.

19、 Please insure/ cover for us the following. 2.The cargo is to be insured warehouse to warehouse against All Risks.vWarehouse to warehouse 仓至仓 3. We usually effect insurance against All Risks and War Risks for the invoice value plus 10% for the goods sold on CIF basis.4.For goods sold on CIF basis, i

20、nsurance is to be effected by us for 110% of the invoice value against All Risks based on warehouse to warehouse clause.vBased on W to W clause 按仓至仓条款5.We agree to your request to insure the shipment for 130% of the invoice value, but the premium for the difference between 130% and 110% should be fo

21、r you account.vInsure for % of invoice value 按发票金额百分之投保vPremium for the difference 保费的差别vFor ones account 由承担6. We regret being unable to comply with your buyers request to cover the goods against All Risks and War Risks for 150% of the invoice value because our contract stipulates that insurance is

22、 to be effected for 110% only.vBe unable to comply with 无法按照 vStipulate 规定 vBe effected for 110% only 保险只能按110%投保7. As our insurance company is a state-operated enterprise enjoying high prestige in settling claims promptly and equitably, you are advised to do business with us on CIF basis and leave

23、the insurance to be effected by us.vState-operated enterprise 国有企业vHigh prestige 很高声誉，威望vSettle claims promptly and equitably 及时的、公平的处理索赔 8.The premium varies with the extent of insurance. Should additional risks be covered, the extra premium would be for buyers account.vExtent of insurance 保险的范围vEx

24、tra premium 额外的保费vFor buyers account 由卖方承担Exercise IPlease fill these words into their proper places.Premium Policy Coverage Underwriterv_ is the extent of protection given to the insured by terms of the contract of insurance.v_ is a contract of insurance, an agreement between the insurer and insure

25、d.v_ is the amount an insured pays in exchange for the protection provided by a policyv_ is a firm or person that practices insurance, especially of ships.v请注意上述货物须在请注意上述货物须在6月月15日前装运，并按发票日前装运，并按发票金额金额150%投保一切险。我们知道按一般惯例，投保一切险。我们知道按一般惯例，你们只按照发票金额你们只按照发票金额110%投保，因此额外的保投保，因此额外的保费将由我们承担。费将由我们承担。Exercis

26、e II: Sentences translationvPlease see to it that the above-mentioned goods are to be shipped before 15th June and insured against All Risks for 150% of the invoice value. We know that according to your usual practice, you insure the goods only for 110% of the invoice value, therefore, the extra premium will be borne by us.v如果你方希望投保一切险。我们可代如果你方希望投保一切险。我们可代为投保，但保费稍高，保费差额由你为投保，但保费稍高，保费差额由你方负担。方负担。vIf you desire to cover your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference in which wil