国际商务函电第十四章Unit14 Insurance

UnitFourteenInsurance(保险)ObjectivesIntroductionNewWords&Expressions

ExercisesKeystoExercisesObjectivesUnitFourteenInsurance(保险)1.保险在外贸业务中的重要性

2.国际贸易中的主要险种

3.涉及保险的商业信函的撰写通过本章的学习，帮助学生掌握:IntroductionNecessitiesofinsuranceininternationaltradeTospreadthefinanciallossesoftheinsuredmembersoverthewholeoftheinsuringcommunitybycompensatingthemisfortunefewfromthefundbuiltupfromthecontributionsofallmembers.Today,insuranceisaformofintangibletradewhichhelpsourcountrytoaccumulateforeignexchange.Businessmenshouldhaveathoroughknowledgeofitandtheabilitytohandleitsproblemstowinoverthebusinessofinsurance.UnitFourteenInsurance(保险)IntroductionMaintypesofinsuranceininternationaltradeHookDamage

钩损险RiskofOdor

串味险RiskofRust

锈损险Sweating&HeatingRisk

受潮受热险RiskofShortage

短量险WarRisk

战争险RiskofLeakage

渗漏险Pilferage&Theft

偷窃险LossorDamageCausebyBreakageofPacking

包装破裂险AllRisks

一切险

UnitFourteenInsurance(保险)IntroductionLettersconcerninginsurancecanbewritteninthefollowingstructure:Putforwardtheproblemofinsuranceinapositiveway.Statewhichkindofinsuranceisdesiredandprovidethereaderwithconvincingandspecificreasons.Expressexpectationsforanearlyreplyorcooperation.

UnitFourteenInsurance(保险)UnitFourteenInsurance(保险)敬启者：

事由：我方105号定单你方005号销售合同下的400箱电子玩具请查阅我方第105号订购400箱电子玩具的定单。你方会发现此定单是按成本加运费订购的。我们现在想在你地投保，故请按发票金额加10%。即20万美元代我方对此投保综合险。收到你借方结帐单后，我方即将保险费付给你们。如你方愿意，亦可开具即期汇票，向我方收款。诚盼能够得到你方的同意。

谨上

SampleLetterⅠUnitFourteenInsurance(保险)敬启者：

事由：附加破损险我们查阅了你方为长城牌瓷砖所开具的202号信用证，这张信用证我们刚刚收到。请注意我们对这种货物不投破损险。因此，请在信用证中把破损险从保险条款中删掉。另外，我们要指出，像门窗玻璃、陶瓷等物品，即使投了破损险，也有5%的免赔率。换句话说，如果货物的破损损失低于5%，将得不到任何赔偿。相信我们的观点已经表达的非常清楚，请立即将更正后的信用证传真过来。

谨上SampleLetterⅡ敬启者：

对你方3月4日来信中有关保险问题的回复可以接受你方顾客的要求，将货投保到内陆城市，额外保费由你方顾客负担，我们不能同意你的按发票价值的120%投保的要求因为合同规定保费为发票价值的110%我们相信上述信息能够使你们满意。惠盼早复。

谨上SampleLetterⅢUnitFourteenInsurance(保险)NewWords&Expressions1. 与insurance有关的一些短语

(1)与on连用，表示投保的货物：insuranceon 100tonsofcotton (2)与against连用，表示投保的类别：insurance againstwarrisk (3)与at连用，表示保费或费率：insuranceat therateof10%,insuranceatalower premium (4)与with连用，表示向保险公司投保： insurancewithXinhuaLifeInsurance CompanyofChinaUnitFourteenInsurance(保险)NewWords&Expressions2. on…basis…

与之相关的短语有：onthebasisof,bebasedon,base…on… ReferenceistomadetoourorderNo.213covering300setsofsewingmachines,whichisplacedonCFRbasis.

请参看我们213号定单下的300台洗衣机，这是以成本加运费为基础的。UnitFourteenInsurance(保险)NewWords&Expressions3. approvev.i.批准、赞成，与介词of连用

OurcompanyhasapprovedoftheinsurancerateyouofferedinyourletterofMay5th.

我公司已批准你方在5月5日来函中所报保险费率。

Weareeagertoknowifourofferhasbeenapprovedbyyourfirm.

我方急于知道我们的报价是否得到贵方批准。UnitFourteenInsurance(保险)NewWords&Expressions4. referto谈到，提到

We‘dliketoreferyoutoourreplyofAugust29th,inwhichwehaveclearlystatedourinsurancepolicy.

提请你们参看我方8月29日回函，在回函中我们已清楚地解释了我方的保险政策。

Astotherate,youcanrefertotheofficialdocumentsofPICC.

至于费率，你们可参看中国人民保险公司的正式文件。UnitFourteenInsurance(保险)NewWords&Expressions5. besubjectto受约束，受控制

Theratenowbeingchargedbyusfortheproposedshipmentagainstallriskswillbe10%subjecttoChinaInsuranceClauses.

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10%。

Whatweshouldliketopointouthereisthattheagreementreachedbetweenusissubjecttothefurtherinstructionsfromourheadquarter.

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。UnitFourteenInsurance(保险)NewWords&Expressions6. amendmentn.修改，修正

Anyamendmentinthecontractcanbeonlymadeafterhavingtheconsentofthetwopartiesconcerned.

只有在双方同意的情况下才可对合同内容做出修改。

Withregardtothepresentpricelevel,weproposedanamendmentinthecontractwesignedonMay1st.

鉴于目前的价格水平，我们建议对5月1日的合同内容进行修改。UnitFourteenInsurance(保险)NewWords&Expressions7. onconditionthat如果，在……条件下

WeacceptyourofferonconditionthatthetimeofshipmentisMay.

我方接受你方报盘，但以装运期5月为条件。

Ourcustomersagreetoplaceordersimmediatelyonconditionthatyouallowthemadiscountof4%.

如果能给予4%的折扣，我方客户们同意立即订购。UnitFourteenInsurance(保险)NewWords&Expressions8.premiumn.保险费

premiumloan 保险借款

premiumtariff 保险费率表

premiumnote 保险费付款期票

UnitFourteenInsurance(保险)

ExerciseⅠ

ExerciseⅡ

ExerciseⅢ

ExerciseⅣ

ExerciseⅤExercisesUnitFourteenInsurance(保险)ExerciseⅠTranslatethefollowingtermsandexpressionsA.IntoChinese:1.heabsenceof4.inotherwords5.subjectto6.afranchiseshop7.ship...inbulk8.riskofshortage9.riskofleakage10.serveyourpurpose

UnitFourteenInsurance(保险)ExerciseⅠTranslatethefollowingtermsandexpressionsB.IntoEnglish:1.一切险2.水渍险3.平安险4.额外保险费率5.保险费率6.免赔率（额）7.明确指示8.惯例9.特殊附加险10.淡水雨淋险UnitFourteenInsurance(保险)ExerciseⅠ1.Inparticularwewishtoknowwhetheryoucanissueaspecialrate

return

thepromiseofregularmonthlyshipment.2. Asshipmentisdueto

begin

14thMarch,pleaseletushaveyourquotationbyreturn.3.

whattermswillyoubegladtoarrangeanallriskspolicyforus?Theinvoicedvalueoftheconsignment,

thefreightandcommission,is$2,500.5. Wearepleasedtonotethatyouarereadytoinsure

usashipmentofChineseporcelainfromShanghaitoSydneybysea.UnitFourteenInsurance(保险)ExerciseⅠ6. Ifyoufindourrateacceptable,pleasepresentthedetails

yourshipmentsothatwemayissueourpolicyaccordingly.7. Thetermsyouquoteforanopenpolicyof1,200coveringallriskswillapply

ourconsignmentontheroutesnamed.8. Wethankyouforyourreply

ourinquiryofApril29.Ifyoucankindlyarrangetoinsurethesame

ourbehalf

AllRisksweshallbegreatlyobliged.10.

theordinarycircumstance,nolossortheftofsuchmerchandiseasmildsteelislikelytooccurduringtransportation.UnitFourteenInsurance(保险)ExerciseⅡ1.Weshallprovidesuch

atyourcost.2.Pleasearrangetosupplytheseand

toouraccount.3.Ourclientsrequesttheirordertobe

againstallrisksandwarrisk.Pleasearrangefortheinsurancecoveraccordingly.4.Pleaseholdusforthe

referredtobelow.5.Wewill

insurancecoverageonyourbehalf.UnitFourteenInsurance(保险)ExerciseⅡ6.Pleaseinsureat

valueplus10%.7.Weshall

insuranceatthisendunderourOpenPolicy.8.Thecoverageisfor110%ofinvoicevalueuptotheportof

.9.InsuranceCertificatewillfollowassoonaswereceiveitfromthe

.10.Asthe

varieswiththeextentofinsurance,extrapremiumistobecovered.UnitFourteenInsurance(保险)ExerciseⅣTranslatethefollowingsentencesintoEnglish:1.我们得知我方电脑运往纽约的一切险费率为1.5%。能否在别处以更合理的费率投保？2.此费率为本地所有的大保险商所普遍接受。3.兹告知此险别可以投保，但保费略高。4.如果你们想按发票金额的130%投保，我们可以办理，但要收额外的保险费。5.由于战争风险增加，战争险的保费也提高了很多。UnitFourteenInsurance(保险)ExerciseⅣTranslatethefollowingsentencesintoEnglish:6.请将我方货物按20000美元的保值投保水渍险。7.我方要求你方为此批货物投保罢工、暴动、民变险（Strikes,Riots&CivilCommotions）。8.我们的惯例是按发票金额的110%投保平安险和战争险。9.为更好的推销，我们将免费给你方寄送样品。10.保单是一种契约，是承保人和投保人之间协议的证明。UnitFourteenInsurance(保险)ExerciseⅣWriteanEnglishletterbasedonthefollowinginformation:买方来函询问保险情况,现写信答复:1.对于以CIF价格成交的交易,我方通常向中国人民保险公司根据1981年1月1日的海洋运输公物保险条款投保一切险。若买方要求依据协会货物保险条款办理，我方可以照办但两者保费的差额由对方支付。2．若买方想要投保附加险，我方可以代办，额外保费由买方支付。我方将把保险商出具的保费收据寄给对方。3．保险金额通常为发票金额的110%。如果买方要求增加，可以照办但额外保费也将由买方支付。4．盼对方寄来订单。

UnitFourteenInsurance(保险)

ExerciseⅠ

ExerciseⅡ

ExerciseⅢ

ExerciseⅣ

ExerciseⅤKeystoExercisesUnitFourteenInsurance(保险)ExerciseⅠTranslatethefollowingtermsandexpressionsA.IntoChinese:1.为答复2.关于保险3.在没有……的情况下4.换句话说，也就是说5.以……为条件，以……为准6.专卖店7.散装装运8.短量险9.渗漏险10.使你达到目的，满足你的要求

UnitFourteenInsurance(保险)ExerciseⅠTranslatethefollowingtermsandexpressionsB.1.AllRisk2.W.P.A.3.F.P.A.4.extrapremiumrate5.insurancepremiumrate6.franchise7.definiteinstructions8.usualpractice9.specialadditionedrisks10.FWRD

UnitFourteenInsurance(保险)ExerciseⅠ1.Inparticularwewishtoknowwhetheryoucanissueaspecialrateinreturnforthepromiseofregularmonthlyshipment.2. Asshipmentisdueto

beginon14thMarch,pleaseletushaveyourquotationbyreturn.3. On

whattermswillyoubegladtoarrangeanallriskspolicyforus?4. Theinvoicedvalueoftheconsignment,includingthefreightandcommission,is$2,500.5. WearepleasedtonotethatyouarereadytoinsurewithusashipmentofChineseporcelainfromShanghaitoSydneybysea.UnitFourteenInsurance(保险)ExerciseⅠ6. Ifyoufindourrateacceptable,pleasepresentthedetailsof

yourshipmentsothatwemayissueourpolicyaccordingly.7. Thetermsyouquoteforanopenpolicyof1,200coveringallriskswillapplytoourconsignmentontheroutesnamed.8. WethankyouforyourreplytoourinquiryofApril29.9. IfyoucankindlyarrangetoinsurethesameonourbehalfagainstAllRisksweshallbegreatlyobliged.10.Undertheordinarycircumstance,nolossortheftofsuchmerchandiseasmildsteelislikelytooccurduringtransportation.UnitFourteenInsurance(保险)ExerciseⅡ1.Weshallprovidesuchcoverageatyourcost.2.Pleasearrangetosupplytheseandchargetoouraccount.3.Ourclientsrequesttheirordertobeinsuredagainstallrisksandwarrisk.Pleasearrangefortheinsurancecoveraccordingly.4.Pleaseholdusfortheconsignmentreferredtobelow.5.Wewillarrangeinsurancecoverageonyourbehalf.UnitFourteenInsurance(保险)ExerciseⅡ6.Pleaseinsureatinvoicevalueplus10%.7.WeshalltakeoutinsuranceatthisendunderourOpenPolicy.8.Thecoverageisfor110%ofinvoicevalueuptotheportofdestination.9.InsuranceCertificatewillfollowassoonaswereceiveitfromtheunderwriter.10.Asthepremiumvarieswiththeextentofinsurance,extrapremiumistobecovered.UnitFourteenInsurance(保险)ExerciseⅣTranslatethefollowingsentencesintoEnglish:1.WehavelearnedthattherateforAllRisksinsuranceonthecomputersconsignedtoNewYorkis1.5%.Pleaseletusknowwhetherwecancoverinsuranceelsewhereatamorereasonablerate.2.Thisrateisgenerallyadoptedbyallthelargeunderwritershere.3.Wewouldliketoinformyouthatthisriskiscoverableataslightlyhigherpremium.4.Ifyouwantinsurancetobecoveredfor130%oftheinvoicevalue,wecanarrangethissubjecttoanextrapremium.5.TheinsurancepremiumforWarRiskisincreasingenormouslyduetotheprospectofwar.UnitFourteenInsurance(保险)ExerciseⅣTranslatethefollowingsentencesintoEnglish:6.WerequestyoutocoverWPAonourcargosfortheamountof20,000yuan.7.WewouldlikeyoutoinsureagainstStrikes,Riots&CivilCommotionsontheshipment.8.ItisourusualpracticetocoverinsuranceagainstFPAandWarRiskfor110%oftheinvoicevalue.9.Inordert