商务英语函电 (12)

1、Unit 12 Insurance商务英语函电商务英语函电Unit 12 InsuranceContentContentKnowledge ObjectiveKnowledge ObjectiveSkill ObjectiveSkill ObjectiveWarm UpWarm Up Business Situational Design Business Situational Design Specimen Letters Specimen Letters Notes Notes Trade Terms and Typical Sentences Trade Terms and Typic

2、al SentencesPractice TrainingPractice TrainingSkill TrainingSkill Training Summary of ProjectSummary of ProjectKnow the basic knowledge of insurance, such as insurance clauses, types of insurance and insurance coverageGrasp the letter structure of insuranceGrasp the professional words, expressions,

3、and typical sentences about insuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectKnowledge ObjectiveKnowledge Objective商务英语函电Unit 12 InsuranceSkilled at writing and replying b

4、usiness letters related with insuranceTo solve the insurance issues in business negotiationKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of Project商务英语函电Unit 12 InsuranceInsurance covers

5、all damages or loss of the goods in ocean transportation, land transportation, and air transportation and provides considerable benefit and financial advantages. In international business, the ocean transportation is the most significant and the most common way.The parties of insurance include insur

6、er/underwriter, insured/insurant, insurance agent/broker, and claimant.Generally, there are three types of basic risks: Free from(of) Particular Average(short as FPA or F.P.A), With Particular Average(Short as WPA or W.P.A or WA), and All Risks. The coverage of FPA are as following:1) Total loss2) P

7、articular Average (P/A) caused by stranding, sinking, or burning3) P/A attributed to fire, explosion, collision or contact of the vessel and/or conveyance with any external substance other than water4) Any package which totally lost in loading, transshipment or discharge5) P/A attributed to discharg

8、e of cargo at a port of distress6) Special charge for landing, warehousing and forwarding at an intermediate port of call or refuge7) General Average (G/A) sacrifice and G/A expenditureThe coverage of WPA includes the coverage of FPA and damage to cargo by heavy weather.KnowledgeObjectiveSkill Objec

9、tiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectWarm UpWarm Up商务英语函电Unit 12 InsuranceThe coverage of WPA includes the coverage of FPA and damage to cargo by heavy weather.The coverage of All Risks includes th

10、e coverage of FPA and WPA and physical loss or damage from any external cause except exclusions.In addition to the Basic Risks, there is additional risks including general additional risks and special additional risks. The coverage of them is as following:KnowledgeObjectiveSkill ObjectiveWarm UpBusi

11、nessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectWarm UpWarm UpGeneral Additional RisksSpecial Additional RiskTheft, Pilferage and Non- delivery(T.P.N.D)Failure to Deliver RiskFresh Water and/or Rain DamageImport Duty RiskRi

12、sk of Shortage in WeightOn Deck RiskRisk of LeakageRejection RiskRisk of Intermixture and ContaminationAflatoxin RiskRisk of Clash and BreakageStrikes RiskRisk of OdourSellers Contingent RiskSweating and Heating RiskWar RiskHook Damage RiskFire Risk Extension Clause for Storage of Cargo at Destinati

13、on Hong Kong Including Kowloon, or Macao (F.R.E.C)Breakage of Packing RiskRisk of Rust商务英语函电Unit 12 InsuranceThe main insurance documents include the policy/floating policy, insurance certificate, open policy/cover, and cover note.The information is just on marine cargo insurance in general and alwa

14、ys subject to the terms and conditions of each specific policy or certificate.KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectWarm UpWarm Up商务英语函电Unit 12 InsuranceSituation:Gewoo

15、Telecom (Shenzhen) Ltd. is specialized in E-business of GF mobile phone. Recently, it establishes business relations with an Australian trade companySouthshore Trade Company. That company plans to purchase 5,000 sets of GFive G330 and GFive E650 separately. The negotiation between them is turning to

16、 insurance terms.KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectBusiness Business Situational DesignSituational DesignTask:You are William Lu, the sales representative from South

17、shore Trade Company.1Write letters to discuss the insurance terms with Gewoo Telecom Ltd.2Solve the problems during in the negotiation.3Reach an agreement with your business associate.商务英语函电Unit 12 Insurance1Buyer requests for insuranceSampleSampleDear Mr Wang,We wish to refer you to our order No.12

18、53 for 500 cases of Chinese Chinaware, from which you will see that this order was placed on CFR basis.As we now desire to have the consignment insured at your end, we shall be much pleased if you will kindly arrange to insure that same on our behalf against All Risks and Breakage Risks at invoice v

19、alue plus 10%.We sincerely hope that our request will meet with your approval.Yours sincerely,Pierre SabotPurchasing ManagerKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecime

20、n LettersSpecimen Letters商务英语函电Unit 12 Insurance2Replying the above letterSampleSampleDear Mr Sabot,In compliance with your letter about insurance for your order No.1253 for our Chinese Chinaware, we would like to inform you of the following:All Risks: Generally we cover insurance War Risk in the ab

21、sence of definite instructions from our clients. If you desire to cover All Risks, we can provide such coverage at a slightly higher premium.Breakage Risks: Breakage is a special risk, for which an extra premium will have to be charged. The present rate is about 0.6%. Claims are payable only for tha

22、t part of the loss, that is over 5%.In addition, we note that you wish us to insure shipments to you for 10% above invoice value, which is having our due attention.We believe that the information will serve your purpose and we await your reply.Yours sincerely,Sen WangExport ManagerKnowledgeObjective

23、Skill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen Letters商务英语函电Unit 12 Insurance3 3 Seller insuring for buyerSampleSampleDear Mr Bentley,We wish to insure the following consi

24、gnment against All Risks for the sum of US$ 10,000.100 c/s LOUIS VUITTON leather Goods, marked 1-100These goods are now lying at No.23 Dock, Hamburg, waiting to be shipped by vessel “HUSKY RUNNER”, due to leave for Shanghai on June 2.We require immediate cover as far as Shanghai and shall be gratefu

25、l if you will let us have the policy as soon as it is ready. In the meantime please confirm that you hold the consignment covered.We are looking forward to your early reply.Yours sincerely,Joe YangKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and

26、Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen LettersAS商务英语函电Unit 12 Insurance4 4Replying the above letterSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice Training

27、Skill TrainingSummary of ProjectSpecimen LettersSpecimen LettersDear Mr Yang,Thank you for your letter of May 23 asking us to cover the consignment of 100 cases of LOUIS VUITTON leather goods from Hamburg to Shanghai.The premium for this is at the rate of 0.9% of the declared value of US$ 10,000The

28、policy is being prepared and will be sent to you within two days. Meanwhile, we confirm that we hold the consignment covered as from today.Yours sincerely,David Bentley商务英语函电Unit 12 Insurance5 5Asking for a Special Rate of insuranceSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituatio

29、nal DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen LettersDear Mr Andrew,We regularly ship consignments of bottled rye and bourbon from London to Hong Kong by both passenger and cargo liners of Newest Shipping Lin

30、e. We would like to know whether you can issue an All Risks policy for these shipments and, if so, please inform us your terms. In particular, we will be pleased if you can issue a special rate in return for the promise of regular monthly shipments.We are expecting your early reply.Yours sincerely,M

31、arco Hu商务英语函电Unit 12 Insurance6Replying the above letterSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen LettersDear Mr Hu,We are replying to y

32、our letter about special rate of insurance. Our rate for wine products like your consignments by Newest Shipping Line from London to Hong Kong is 1.This is an exceptionally low rate and we trust you will give us the opportunity to handle your insurance business.We are looking forward to your favorab

33、le reply.Yours sincerely,Peter Andrew商务英语函电Unit 12 Insurance7Request for amendment to insurance clauseSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersS

34、pecimen LettersDear Mr Laver,We refer to your L/C No.325 covering vases, which we have just received. Please note that we do not cover insurance against breakage. Therefore, please delete the words “breakage” from the insurance clause in the L/C.Furthermore, we wish to point out that for such articl

35、es as porcelains, glasses, etc, even if additional Breakage Risk has been insured, the cover is subject to a franchise of 8%. In other words, if the breakage is surveyed to be less than 8%, no claim for damage will be entertained.We trust we are all clear about this situation. We are looking forward

36、 to your early reply.Yours sincerely,Thomas Chen商务英语函电Unit 12 Insurance8Replying the above letterSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecim

37、en LettersDear Mr Chen,Thank you for your letter about the amendment to insurance clause in our L/C No.325Be assured that we shall delete the words “breakage” and send the verified L/C to you in two days.With reference to a franchise of additional Breakage Risk, we are ware of that and thank you for

38、 your kind notice and statement.We are looking forward to our further cooperation.Yours sincerely,Mark Laver商务英语函电Unit 12 Insurance1cover v. 涉及，有关如：The survey covers all aspects of this business. 调查涉及这家企业的各个方面。cover v. 保险 cover sb./sth. against如：We confirm that your house is covered against fire ris

39、ks for 20,000.我们确认你的房子投保了两万英镑的火灾保险。如：The policy covers fire and theft risks.此保险单承保的是火险和盗窃险。cover n. 保险类别，保险范围 coverage如：WPA coverage is too narrow for this shipment, please extend the coverage to include TPND.对于这批货物来说，水渍险的保险范围太窄了，请增加偷窃提货不着险。KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational

40、 DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes商务英语函电Unit 12 Insurance2insure v. 投保，给保险 insurer n. 承保人 insurance n.保险insure sth/sb. against+保险类别 insure sth./sb. for + 保险金额insure sth./sb. at + 保险费率 insure sth./sb. with + 保险公司如：T

41、he painting is insured against theft for US $100 million.这幅画投保了100万美元的偷窃险。3franchise n. 免赔率如：The insurance company insures this risk with 5% franchise.保险公司承保此种险别有5的免赔率。4survey v. n. 调查、查看如：The insurance company needs to carry out a survey after the fire.火灾后保险公司需要进行查勘。a survey report 查验报告KnowledgeObj

42、ectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes5claim v. n. 索赔如：You can claim on your insurance for the lost goods.你方可根据所投的保险索赔丢失的货物。如：You can lodge a claim on your insurance polic

43、y.你可按保单索赔。商务英语函电Unit 12 Insurance6for your account 由你方承担如：We shall remind you that the extra premium is for your account.我们特别提醒你方多出的保险费由你方承担。7take note of 注意如：Please take note of franchises.请注意免赔问题。KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and

44、 Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes8与保险有关的术语premium n. 保费 premium rate 费率policy n. 保险单average n. 损失，海损partial loss 部分损失 total loss全部损失special rate of insurance 特别费率Particular average 单独海损，缩写为P/AGeneral average 共同海损，缩写为G/AFree from(of) Particular Average 平安险，

45、缩写为FPAWith Particular Average 水渍险，缩写为WPA商务英语函电Unit 12 InsuranceAll Risks 一切险insurance certificate保险凭证floating policy流动保单open cover/Policy 预约保单cover note 暂保单（或保险证明）The Peoples Insurance Compamy of China, PICC 中国人民保险公司China Insurance Clauses, C.I.C 中国保险条款Ocean Marine Cargo Insurance Clauses 海洋运输货物保险条款

46、KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes商务英语函电Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms

47、 and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectTrade Terms and Typical SentencesTrade Terms and Typical Sentences1Since the cause of the damage is within the coverage of the insurance policy, you should claim compensation from the insurance company concerned.由于损坏的原因在保险单的保险范围之

48、内，你们应该向有关的保险公司要求赔偿。2To prove the shortage, we enclose a certificate of CCIC.为了证明货物短量，我们随信附上了一份中国检验认证（集团）有限公司所出具的检验证书。3Please let us know immediately the detailed risks you wish to insure against for your shipment in question.请你方立即告诉我们对你方该批货物要投保的详细险别。4In the absence of definite instructions from our

49、clients, we generally cover WA, War Risk and Strikes Risk.在我们没有收到客户明确通知的情况下，我们一般投保水渍险、战争险和罢工险。5The insurance company insures this risk with 6% franchise.这家保险公司承保这种险别有6%的免赔率。商务英语函电Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and T

50、ypical SentencesPractice TrainingSkill TrainingSummary of ProjectTrade Terms and Typical SentencesTrade Terms and Typical Sentences6We insist that the wooden cases must be reinforced by steel straps and meanwhile the shipment be insured against pilferage.我们要求木箱用钢条加固，同时，货物必须投保偷窃险。7The goods under con

51、tract No.1533 are ready for shipment. Please inform us immediately the details for the insurance you wish to cover for the consignment.编号为1533合同项下的货物现已备好待运，请贵方立即告知你们想给货物投保的险别等详细信息。8Please see to it that the above mentioned shipment should be covered for 110% of invoice value against All Risks.请务必将上述

52、运输货物按发票金额的110%投保一切险。9We have learnt that according to your usual practice, you insure the goods only for 10% above invoice value, therefore the extra premium will be for our account.我们得知按照你们的惯例，你们只按发票金额的10%加成投保，因此，额外的保险费将由我方承担。10We are willing to arrange insurance on your behalf.我们愿意代你方投保。商务英语函电Unit

53、 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectTranslate the following expressions into Chinese. 1insurance coverage2insurance policy3insurance agent4for 110% of inv

54、oice value5for 10% above invoice value 6insurance at a rate of 5%7to arrange/cover/effect/provide/take out insurance 8with 4% franchise9insurance on the 5 tons of cotton10insurance against War Risks1保险责任范围2保单3保险公司4按发票金额的110%投保5按发票金额加成10%投保65%的保险费率7投保84%免赔率9为5吨棉花投保10投保战争险Practice TrainingPractice Tra

55、ining商务英语函电Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectChoose the best answer.1As requested, we the captioned shipment against All Risks for US$ 10,000.A. cov

56、er B. buyC. purchaseD. insurance2Today we send you our No. 2341, in duplicate. Please note.A. insurance bill B. bill of insurance C. insurance policy D. note of insurance3This policy us against Breakage Risk.A. effects B. executes C. covers D. insures.4With reference to insurance, the is for 110% of

57、 invoice value.A. coverage B. range C. field D. scope5Please make sure that you the goods against TPND.A. effect B. execute C. protect D. insurePractice TrainingPractice TrainingACDAD商务英语函电Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade T

58、erms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectChoose the best answer.6Our goods are liable to change by itself, you had better insure the shipment of your order the risk of deterioration.A. on B. for C. against D. about7The insured amount should be 110% of the .A. invoic

59、e value B. unit price C. all costs D. bill of lading8 is to be made in four equal lots beginning from July, with transshipment at Singapore.A. Ship B. Shipper C. shipment D. shipping9Please note that the extra will be for your account.A. premium B. bills C. price D. costs10Since the goods have been

60、covered by insurance, we would recommend you to apply to the insurance company concerned for_ A. money B. payment C. compensation D. feedback.Practice TrainingPractice TrainingCACDC商务英语函电Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Ter