国际商务英语函电Unit-11-Insuranc课件

Chapter12Insurance

Chapter12InsuranceHomeworkDearSirs,WeareverypleasedtoinformyouthatwehaveshippedyourOrderNo.573covering1,000setsofMDBrandMicrowaveStoveonboards.s.LongMarch,whichisduetosailforyourporttomorrow.Wehopetheaboveshipmentwillreachyouingoodtimeandinperfectcondition.Yoursfaithfully,TomHomeworkDearSirs,Questions1.Howmuchdoyouknowaboutinsurance?2.Whyisitnecessarytocoverinsuranceintheforeigntrade?3.Whatdoinsurancecompaniesdowiththepremiumcollectedfromtheinsured?Questions1.Howmuchdoyoukn

lifeinsurance

Personalinsurance

healthinsurance(人身保险)personal

accidentinsurancemarineinsurancePropertyinsurancecargotransportationinsurance

（财产保险）andothers

Ininternationaltrade,thetransportationofgoodsfromthesellertothebuyerisgenerallyoveralongdistancebyair,bylandorbyseaandhastogothroughtheproceduresofloading,unloadingandstoring.Duringthisprocessitisquitepossiblethatthegoodswillencountervariouskindsofperilsandsometimessufferlosses.

Inordertoprotectthegoodsagainstpossiblelossincaseofsuchperils,thebuyerorsellerbeforethetransportationofthegoodsusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodsintransit.Ininternationaltrade,thetrInsurancepremiumprovidesapoolorfundintowhichthemanycontributeandoutofwhichthefewwhosufferlossarecompensated.InsurancepremiumprovidesapTermsInsurer/underwriter:

保险人/承保人Theinsured/assured:被保险人Theapplicant:投保人Premium保险费Premiumrate保险费率Insurancepolicy保险单Coverage:险别Average:海损PICC:中国人民保险公司TermsInsurer/underwriter:Cover一、保险常识

1、货物运输保险定义是指投保人（Insured）在货物装运前向保险人（Insurer）投保，即办理保险手续（InsuranceFormalities）、选择保险险别（Coverage）、确定保险金额（InsuranceAmount）、支付保险费（Premium）并领取保险单证（InsuranceDocuments）的过程。此后，如果投保货物在运输中遇险而发生损失，则承保人应负责对投保险别范围内的损失进行经济补偿。一、保险常识2、保险险别

中国人民保险公司（PICC）

制定的中国保险条款（ChinaInsuranceClauses略称C.I.C.）中的海洋运输货物保险条款平安险（FreefromParticularAverage，FPA）基本险别水渍险（WithParticularAverage，WPA）一切险（AllRisks）一般附加险附加险别特殊附加险（WarRisks）2、保险险别中国人民保险公司（PI3、保险金额

1）FOB和CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。

2）CIF交易，习惯上由出口方按发票金额（InvoiceValue）的110%投保一切险（AllRisks），即100%是CIF发票总值，10%是合理的利润和其他费用。4、保险费premium通常为保险金额的一定比例。

保险费=保险金额×保险费率3、保险金额1）FOB和CFR交易，由进口方对货物Risks

CoveredbyMarineCargoInsurancePerilsoftheSea

海上风险1)NaturalCalamities（自然灾害）earthquake,tsunami,flood,heavyweathersuchashurricane,thunderstorm,etc.2)FortuitousAccidents（意外事故）Stranding触礁，grounding搁浅,sunk,collision,fire,explosionExtraneousRisks

外来风险1)GeneralAdditionalRiskstheft,pilferage,raindamage,shortage,breakage,leakage,etc.2)Special＆SpecificAdditionalRisksstrike,war,failuretodeliver,etc.Risks

CoveredbyMarineCargoLosses1.

LossesduetoMarinePerils海上损失

actualtotalloss（实际全损）

totallossconstructivetotalloss（推定全损）

generalaverage（共同海损）

partiallossparticularaverage（单独海损）2.

LossesduetoExtraneousRisks外来损失Losses1.LossesduetoMarineActualtotalloss:

itmeansthenon-existenceoftheinsuredcargoinvalue.Constructivetotalloss:it’sunlikelytorecoverthesubjectmatterorthecostofrecoverywillexceedthevalueofthesubjectmatter.Particularaverage:itmeansalossthatisbornesolelybytheownerofthelostproperty(shiporcargo).Generalaverage:itmeansasacrificemadeforthecommonsafetyofboththecargoandtheship.Actualtotalloss:itmeansthExamplePartialdamageofcargobyseawateris,forinstance,aparticularaverage,whilepartialdamageofcargobywaterthathasbeenusedtoputoutafireisageneralaveragesincethedamagehasbeenmadeinordertosaveboththeshipandthecargoonboardtheshipofallthecargoowners.(ofcourse,thedamagecausedbythefireisstillaparticularaverage)ExamplePartialdamageofcargoThreeBasicCoveragesF.P.A.:平安险

W.P.A.:水渍险

AllRisks:一切险Note:AllRisks＞W.P.A.＞F.P.A.ThreeBasicCoveragesF.P.A.:F.P.A.平安险FreefromParticularAverage(F.P.A.):(Literalmeaning:notliableforparticularaverage)Extentofcoverage:payclaimsfortotallossandpartiallosscausedbyfortuitous(意外的)accidentssuchasstranding(触礁),grounding(搁浅),collison(碰撞),sinking,fire,explosion,etc.Itdoesn’tpaypartiallosscausedbynaturalcalamities.F.P.A.平安险FreefromParticularW.A./W.P.A.水渍险WithAverage/WithParticularAverage:Itprovidescoveragainsttotallossandpartiallossduetoperilsofthesea.W.A./W.P.A.水渍险WithAverage/AllRisks一切险BesidestheriskscoveredbyFPAandWA,AllRisksalsoprovidescoveragainstsomeextraneousrisksoflossordamage(esp,generaladditionalrisk).Coverage:AllRisks=FPA+WPA+GeneralAdditionalRiskAllRisks一切险BesidestherisksExtraneousRisksGeneralAdditionalRisks:

一般附加险Special＆SpecificAdditionalRisks:

特别和特殊附加险ExtraneousRisksGeneralAdditiGeneralAdditionalRisksT.P.N.D.(threft,pilferageandnon-delivery)偷窃，提货不着险F.W.R.D.(freshwaterand/orraindamage)淡水雨淋险Shortage:短量险IntermixtureandContamination混杂，玷污险Leakage渗漏Clash＆breakage碰损，破碎险Taintofodour串味险Heating＆sweating受热，受潮险Hookdamage钩损险Breakageofpacking包装破裂险Rust锈损险GeneralAdditionalRisksT.P.N.Special＆SpecificAdditionalRisksFailuretoDelivery交货不到险ImportDuty进口关税险OnDeck舱面险Rejection拒收险Aflatoxin黄曲霉素险WarRisks战争险StrikeRisks罢工险Special＆SpecificAdditionalRionatagainstwithfor1.I’dliketotalksomethingabouttheinsuranceon

ourporcelainware.2.Pleasenotethatourinsurancecoverageisfor110%oftheinvoicevalue.3.HowaboutyourcoveringtheinsuranceagainstAllRisksfor120%oftheinvoicevaluewithPICC?4.Theinsurancerateisatapremiumrateof5%.

insuranceonAtagainstOnfor1.WewillcoverthegoodsagainstAllRisks.2.WewouldliketocoverW.P.A.onthecargo.3.Wewillcoverinsuranceonyourgoodsfor110%oftheinvoicevalueagainstAllRisksasusual.4.Wecanprovidesuchcoverageataslightlyhigherpremium.coverAtExample我们已经按0.2%的保险费率和发票金额的110%投保1000箱青岛啤酒的一切险。We’vecoveredinsuranceon1000casesofQingdaoBeerfor110%oftheinvoicevalueagainstAllRisksatapremiumrateof0.2%.Example我们已经按0.2%的保险费率和发票金额的110CalculationofPremiumPremium=invoicevalue×110%×premiumratee.g.insurebicyclesagainstW.P.A.for110%oftheinvoicevalueTotalvalue:$100,000premiumrate:0.2%

premium=￥220CalculationofPremiumPremium

二、进口方写给出口方请其代办保险的信函的表达方式写作步骤表达方式（1）说明某合同项下来函Wewishtoreferyouto…（请参阅……。）Wearepleasedtoinformyouthat…（很高兴告知……。）（2）说明所投保的险别，确定投保的金额Pleaseseetoitthattheinsuranceiscoveredfor…%oftheinvoicevalueagainst…（请务必保证，该批货物投保金额为发票金额的……%，投保险别为……。）二、进口方写给出口方请其代办保险的信函的表达方式写作步骤Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyouwillkindlyarrangetoinsurethegoodsonourbehalfagainst…atinvoicevalueplus…%,amountingto…（我方希望在你处投保，如果你方能够代我方按照发票金额加成……%，投保……（险别），总计金额为……，我方将不胜激。）（3）告知保险费的支付办法Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnote.（当然，一收到你方的还款通知，我方立即将保险费退还你方。）Asweunderstandthatasperyourcustomarypractice,youonlyinsuretheshipmentfor10%abovetheinvoicevalue,theextrapremiumforadditionalcoverageshallbeforouraccount.（我方知道按照你方的惯例，你方仅对货物发票金额加一成投保，而附加险的额外保险费将由我方承担。）Aswenowdesiretohavethec（4）进一步提出办理保险的要求Wesincerelyhopethatourrequestwillmeetwithyourapproval.（我方希望此要求能得到你方同意。）Pleasearrangeinsuranceaccordingtoourrequest.（请按我方要求办理投保。）Wesincerelyhopethatourreq三、出口方回复进口方代办请求的信函的表达方式写作步骤表达方式（1）确认对方要求办理保险的来函Thisistoacknowledgereceiptof…requestingustoeffectinsuranceontheshipmentforyouraccount.（兹确认收到你方……日来函，要求我方对该批货物代办保险。）Wehavereceivedyourletterof…,askingustoinsurethegoodsforanamountof…%abovetheinvoicevalue.（我方已经收到你方……日来函，要求我方对该货物按发票金额加成……%投保。）三、出口方回复进口方代办请求的信函的表达方式写作步骤表达方（2）告知对方保险条款、投保险别、保险金额、保险单据等Wearepleasedtoinformyouthatwehavecoveredtheshipmentwith…against…for…（很高兴告知，我方已向……办理投保手续，投保……（险别），投保金额为……。）Althoughitisourusualpracticetotakeoutinsurancefortheinvoicevalueplus10%,wearepreparedtocomplywithyourrequestforgettingcoverfor130%oftheinvoicevalue.（尽管我方的惯例是按照发票金额110%投保，但是此次我方准备同意你方要求对该批货物按发票金额的130%投保。）Wearepleasedtoinformyout（3）说明保险费的偿付问题ThepolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubynextTuesdaytogetherwithourdebitnoteforthepremium.（我方准备将相应的保单及我方关于保险费的索款通知单，于下周二寄送你方。Theextrapremiumwillbeforyouraccount.（额外的保险费将由你方负担。

ThepolicyisbeingpreparedaThankyouforyourattention!Thankyouforyourattention!

Chapter12Insurance

Chapter12InsuranceHomeworkDearSirs,WeareverypleasedtoinformyouthatwehaveshippedyourOrderNo.573covering1,000setsofMDBrandMicrowaveStoveonboards.s.LongMarch,whichisduetosailforyourporttomorrow.Wehopetheaboveshipmentwillreachyouingoodtimeandinperfectcondition.Yoursfaithfully,TomHomeworkDearSirs,Questions1.Howmuchdoyouknowaboutinsurance?2.Whyisitnecessarytocoverinsuranceintheforeigntrade?3.Whatdoinsurancecompaniesdowiththepremiumcollectedfromtheinsured?Questions1.Howmuchdoyoukn

lifeinsurance

Personalinsurance

healthinsurance(人身保险)personal

accidentinsurancemarineinsurancePropertyinsurancecargotransportationinsurance

（财产保险）andothers

Ininternationaltrade,thetransportationofgoodsfromthesellertothebuyerisgenerallyoveralongdistancebyair,bylandorbyseaandhastogothroughtheproceduresofloading,unloadingandstoring.Duringthisprocessitisquitepossiblethatthegoodswillencountervariouskindsofperilsandsometimessufferlosses.

Inordertoprotectthegoodsagainstpossiblelossincaseofsuchperils,thebuyerorsellerbeforethetransportationofthegoodsusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodsintransit.Ininternationaltrade,thetrInsurancepremiumprovidesapoolorfundintowhichthemanycontributeandoutofwhichthefewwhosufferlossarecompensated.InsurancepremiumprovidesapTermsInsurer/underwriter:

保险人/承保人Theinsured/assured:被保险人Theapplicant:投保人Premium保险费Premiumrate保险费率Insurancepolicy保险单Coverage:险别Average:海损PICC:中国人民保险公司TermsInsurer/underwriter:Cover一、保险常识

1、货物运输保险定义是指投保人（Insured）在货物装运前向保险人（Insurer）投保，即办理保险手续（InsuranceFormalities）、选择保险险别（Coverage）、确定保险金额（InsuranceAmount）、支付保险费（Premium）并领取保险单证（InsuranceDocuments）的过程。此后，如果投保货物在运输中遇险而发生损失，则承保人应负责对投保险别范围内的损失进行经济补偿。一、保险常识2、保险险别

中国人民保险公司（PICC）

制定的中国保险条款（ChinaInsuranceClauses略称C.I.C.）中的海洋运输货物保险条款平安险（FreefromParticularAverage，FPA）基本险别水渍险（WithParticularAverage，WPA）一切险（AllRisks）一般附加险附加险别特殊附加险（WarRisks）2、保险险别中国人民保险公司（PI3、保险金额

1）FOB和CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。

2）CIF交易，习惯上由出口方按发票金额（InvoiceValue）的110%投保一切险（AllRisks），即100%是CIF发票总值，10%是合理的利润和其他费用。4、保险费premium通常为保险金额的一定比例。

保险费=保险金额×保险费率3、保险金额1）FOB和CFR交易，由进口方对货物Risks

CoveredbyMarineCargoInsurancePerilsoftheSea

海上风险1)NaturalCalamities（自然灾害）earthquake,tsunami,flood,heavyweathersuchashurricane,thunderstorm,etc.2)FortuitousAccidents（意外事故）Stranding触礁，grounding搁浅,sunk,collision,fire,explosionExtraneousRisks

外来风险1)GeneralAdditionalRiskstheft,pilferage,raindamage,shortage,breakage,leakage,etc.2)Special＆SpecificAdditionalRisksstrike,war,failuretodeliver,etc.Risks

CoveredbyMarineCargoLosses1.

LossesduetoMarinePerils海上损失

actualtotalloss（实际全损）

totallossconstructivetotalloss（推定全损）

generalaverage（共同海损）

partiallossparticularaverage（单独海损）2.

LossesduetoExtraneousRisks外来损失Losses1.LossesduetoMarineActualtotalloss:

itmeansthenon-existenceoftheinsuredcargoinvalue.Constructivetotalloss:it’sunlikelytorecoverthesubjectmatterorthecostofrecoverywillexceedthevalueofthesubjectmatter.Particularaverage:itmeansalossthatisbornesolelybytheownerofthelostproperty(shiporcargo).Generalaverage:itmeansasacrificemadeforthecommonsafetyofboththecargoandtheship.Actualtotalloss:itmeansthExamplePartialdamageofcargobyseawateris,forinstance,aparticularaverage,whilepartialdamageofcargobywaterthathasbeenusedtoputoutafireisageneralaveragesincethedamagehasbeenmadeinordertosaveboththeshipandthecargoonboardtheshipofallthecargoowners.(ofcourse,thedamagecausedbythefireisstillaparticularaverage)ExamplePartialdamageofcargoThreeBasicCoveragesF.P.A.:平安险

W.P.A.:水渍险

AllRisks:一切险Note:AllRisks＞W.P.A.＞F.P.A.ThreeBasicCoveragesF.P.A.:F.P.A.平安险FreefromParticularAverage(F.P.A.):(Literalmeaning:notliableforparticularaverage)Extentofcoverage:payclaimsfortotallossandpartiallosscausedbyfortuitous(意外的)accidentssuchasstranding(触礁),grounding(搁浅),collison(碰撞),sinking,fire,explosion,etc.Itdoesn’tpaypartiallosscausedbynaturalcalamities.F.P.A.平安险FreefromParticularW.A./W.P.A.水渍险WithAverage/WithParticularAverage:Itprovidescoveragainsttotallossandpartiallossduetoperilsofthesea.W.A./W.P.A.水渍险WithAverage/AllRisks一切险BesidestheriskscoveredbyFPAandWA,AllRisksalsoprovidescoveragainstsomeextraneousrisksoflossordamage(esp,generaladditionalrisk).Coverage:AllRisks=FPA+WPA+GeneralAdditionalRiskAllRisks一切险BesidestherisksExtraneousRisksGeneralAdditionalRisks:

一般附加险Special＆SpecificAdditionalRisks:

特别和特殊附加险ExtraneousRisksGeneralAdditiGeneralAdditionalRisksT.P.N.D.(threft,pilferageandnon-delivery)偷窃，提货不着险F.W.R.D.(freshwaterand/orraindamage)淡水雨淋险Shortage:短量险IntermixtureandContamination混杂，玷污险Leakage渗漏Clash＆breakage碰损，破碎险Taintofodour串味险Heating＆sweating受热，受潮险Hookdamage钩损险Breakageofpacking包装破裂险Rust锈损险GeneralAdditionalRisksT.P.N.Special＆SpecificAdditionalRisksFailuretoDelivery交货不到险ImportDuty进口关税险OnDeck舱面险Rejection拒收险Aflatoxin黄曲霉素险WarRisks战争险StrikeRisks罢工险Special＆SpecificAdditionalRionatagainstwithfor1.I’dliketotalksomethingabouttheinsuranceon

ourporcelainware.2.Pleasenotethatourinsurancecoverageisfor110%oftheinvoicevalue.3.HowaboutyourcoveringtheinsuranceagainstAllRisksfor120%oftheinvoicevaluewithPICC?4.Theinsurancerateisatapremiumrateof5%.

insuranceonAtagainstOnfor1.WewillcoverthegoodsagainstAllRisks.2.WewouldliketocoverW.P.A.onthecargo.3.Wewillcoverinsuranceonyourgoodsfor110%oftheinvoicevalueagainstAllRisksasusual.4.Wecanprovidesuchcoverageataslightlyhigherpremium.coverAtExample我们已经按0.2%的保险费率和发票金额的110%投保1000箱青岛啤酒的一切险。We’vecoveredinsuranceon1000casesofQingdaoBeerfor110%oftheinvoicevalueagainstAllRisksatapremiumrateof0.2%.Example我们已经按0.2%的保险费率和发票金额的110CalculationofPremiumPremium=invoicevalue×110%×premiumratee.g.insurebicyclesagainstW.P.A.for110%oftheinvoicevalueTotalvalue:$100,000premiumrate:0.2%

premium=￥220CalculationofPremiumPremium

二、进口方写给出口方请其代办保险的信函的表达方式写作步骤表达方式（1）说明某合同项下来函Wewishtoreferyouto…（请参阅……。）Wearepleasedtoinformyouthat…（很高兴告知……。）（2）说明所投保的险别，确定投保的金额Pleaseseetoitthattheinsuranceiscoveredfor…%oftheinvoicevalueagainst…（请务必保证，该批货物投保金额为发票金额的……%，投保险别为……。）二、进口方写给出口方请其代办保险的信函的表达方式写作步骤Asw