商务英语保险类

1、Insurance保险Part 1. The Introduction of InsuranceInsurance is a key issue in international trade. The transportation of goods from the seller to the buyer is generally over a long distance and it has to go through the procedure of transit, loading and unloading, storage, etc. These goods, both being

2、imported and exported, are subject to damage or loss. So it is customary to insure the goods against risks of collision,leakage, pilferage, fire and storm, etc. The purpose of insurance is to provide compensation for those who suffer from loss or danger that may be icurred. Cargo insurance is now an

3、 indispensable part to the import and export practice. So it will make plain in a contract as to who will cover the insurance and bear the expenses. 买卖双方签订合同后, 出口商备货装运； 在货物到达买方之前, 可能牵涉到的环节是：买房将包装、装运要求发给卖方；买方督促装运,要求卖方提前或准时装运；卖方发出装船通知；卖方通知买方投保等；不管是哪一种情形,一般在开头部分都会提及交易中的商品,再就详细情形提出自己的要求；If the goods are

4、 sold on CIF terms, the seller is responsible for the insuring and the premium, which is 110% of the insurance value against risks as per Ocean Marine Cargo Clauses of the People s Insurance Company of China or other insurance companies. While the buyer should arrange the insurance and bear the cove

5、ring expenses, as in FOB and CFR terms. 在货物运输前,买方（假如合同是以FOB或 CFR为基础）或卖方（以 CIF为基础）必需对货物向保险公司投保；双方交换一贯的投保惯例；Insurance protection is available for different means of transportation, such as marine, land, and aviation as well as by post. Insurance clauses are drawn up to cater for different kinds of com

6、modities such as general cargo, refrigerated cargo, oil in bulk, live animals and poultry, and other goods. 保险适用于各种交通运输渠道,比如海运,陆运,空运以及邮寄；所编写的保险条款是为满意不同货物的需求如一般货物,冷藏货物,大量的油产品,家禽以及其他货物；The premium rates are determined largely by competition but also greatly affected by the character of the merchandise

7、 insured, the geographical area in which the shipmentes are made, the classification of the vessels employed and the probable volume of the insurance. In principle, the premium rates vary with different destinations and routes and carrying periods of insurance. 保险费用很大程度上是由各保险公司竞争打算的,但也受货物本身特性, 运输过程的

8、地理环境,船舶分类以及保险掩盖面等因素的影响；原就上,保险的费用等级由于不同的目的 地,路线和投保期限而多种多样；In case of loss for damage, insurance investigator will be assigned to inspect the case. If after the examination, the claim turns out to be justifiable, the underwriter shall make payments to the consignee and get the right of subrogation. If

9、 the loss or damage to the goods is caused by the international act or fault of the insured, or raising from inherent vice or normal loss of the consignor, the insurance company is not liable to pay. In the last instance, the buyer should file a claim against the seller. 万一发生了货物损坏,保险公司会派遣调查专员来检查大事始末

10、；假如在检查之后,结 论是公平的,保险公司会对受托者进行补偿并且获得代位偿清的权益；假如是由于国际因素、不确定因素、 本身缺陷或者托付人本身正常的货损所造成的货物缺失或货物坏损,保险公司 不需赔偿；最终,应由买方向卖方提出赔偿申明；Part 2. 高频词汇 Risks & Coverage 险别All risk 综合险Marine insurance 海险All risk 一切险（综合险）War risk 战争险 Fire insurance 火险Additional risk 附加险 Risk of leakage 渗漏险 Hook damage 钩损险Risk of contaminati

11、on 沾污险heating 受潮受热险Rain fresh water damage 淡水雨淋With particular average （W.A ）水渍险险（基本险）by Risk of clashing & breakage 碰损破Loss and/or damage caused 碎险breakage of packing 包装破裂险Damage caused by sweating and/or Terms of insurance 保险术语Insurance 保险（费）Insurance slip 投保单Underwriter 保险商,保险承运人 Insurance agains

12、t risk 保险Insurance company 保险公司 Insurance clause 保险条款Insurer 保险人 Insurance instruction 投保通知Insurance broker 保险经纪人 Insurance conditios 保险条件Insurance underwriter 保险承保人 Risk insured 承保险项Insurance applicant 投保人 Consignment 托运的货物The insured 受保人 Liability 责任To cover insurance 投保 Lodge a claim 提出索赔Insuranc

13、e coverage 保险范畴 In question 目前的,正在考虑的Insurance certificate 保险凭证 Combined certificate 联合凭证Open policy 预约保险单,开口保险单 Part 3. 常用句型及信函Endorsement 保险批单1. 我公司可以承担海洋运输的全部险别；We can cover all the risks of ocean transportation. 2. 保险将在货物从目的地港卸货以后到达仓库终止；Insurance will terminate when the goods are delivered to th

14、e warehouse after discharge at the port of the destination. 3. 一切险的承包范畴比平安险宽；All risks have a broader coverage than FPA. 4. 我们通常按发票金额的 110%来投保；We usually insure for 110% of the invoice value. 5. 除水渍险和战争险外,请再投保破裂险；Please cover insurance against breakage apart from WPA and War Risk. 6. 买方承诺负担保险费连同运费；B

15、uyer will undertake to bear premium and freight. 7. 依据国际惯例,除非买方要求,我们通常不投保偷窃提货不着险；According to international practice, unless otherwise required by the buyer, we will not insure TPND. 8. 请贵公司立刻将你们所使用的费率告知,我们在此预谢；Please inform us of your premium rate and weadvance. 9. 保险由卖方依据海运货物保险条款投保；d like to thank

16、 you in Insurance is covered by the seller under Ocean Cargo Clause.10. 假如投保附加险,附加费用由买方承担；If additional risks is insured, extra premium will be borne by the buyer. Dear Miss Liao, Re: 150 pieces Tea sets With reference to the order No.894 for 150 pieces Tea sets, we have opened through the Bank of China, New York, confirmed, irrevocable L/C for US$2900, valid till July 20. It is your usual practice to insure the goods against FPA for only 10% above invoice value. But owing to the special feature of our goods. Wed like to have the fragile goods insured against FPA a