商务英语综合教程 Unit Nine

UnitNine

Insurance

OralPracticeWarming-up

MatchthefollowinginsurancetermswiththeirChinesemeanings.(1)WPAA.战争险(2)FPAB.一切险(3)AllRisksC.变质险(4)W/WClauseD.钩损险(5)riskofbreakageE.平安险(6)riskofdeteriorationF.变味险(7)insuranceagainstwarriskG.水渍险(8)riskofhookdamageH.破碎险(9)riskofbadodorI.仓至仓条款(10)riskoffreshandrainwaterdamageJ.淡水雨淋险CommonPhrasesforInsurance

insurer/underwriter(2)insure(3)invalid(4)insurancepremium(5)insurancerate(6)insurancepolicy/certificate(7)cover/effect/arrange/takeoutinsurance(8)average(9)extraneous/affixationrisk(10)franchise(11)insurancecoverage(12)claim(13)insuranceitem(14)refusetopay(15)insurancecertificateUsefulSentencesforInsurance

(1)Thegoodsarereadyforshipment.Wewishtocoverinsuranceforthecargo.(2)DoyouprovideinsuranceforshipmentfromGuangzhoutoTokyo.(3)Youmustbearthepremiumforthissortofspecialcoverage.(4)Wecancovertheinsuranceofthegoodson110%oftheCIFvalue.(5)Theinsurancecompanyisresponsiblefortheclaim,asfarasitiswithinthescopeofcoverage.(6)Thereareconditionsunderwhichtheinsurancecompanyisnotliable.(7)WPAdoesnotcovertheriskofbreakage.(8)Specialrisksarenotcoveredunlessthebuyerappliesfor.(9)Whatcoveragedoyouthinksuitsourgoodsbest?(10)Wecanarrangeinsuranceonyourbehalf.NotesforDialogues1.term条件;条款

e.g.Weacceptedthenewterms.

我们接受了新的条件。2.risk险别

e.g.WecoverinsuranceagainstAllRisk.

我们投保一切险。3.invoice商业发票

e.g.Pleaseinsurethegoodsfor10%aboveinvoicevalue.

请按发票金额的10%投保。4.rate比率,率

e.g.TheratesquotedbythePICCareveryreasonable.

中国人民保险公司所报的汇率非常合理。5.premium保险费

e.g.Theextrapremiumisforyouraccount.

额外的保险费由你方支付。6.coverage保险范围

e.g.There’sreallynoneedtoworryasyouhaveaccidentliabilitycoverage.

您真的不必担心,因为您保了事故责任险。7.Itcoversallrisksandwarrisksat110%oftheinvoicevalue.

综合险和战争险，按发票金额的110%投保。8．Sosuchrisksasbreakage,leakage,TPND,hookandcontaminationdamagesareallincluded.

那么说，像破碎险、渗漏险、偷窃、提货不着险、钩损和污染险都包括在内了。9．TheratesquotedbythePICCaremoderate.

中国人民保险公司所收取费用很少。10.TheyhaveverylittleeffectonourCIFprices.

对CIF价没有多大的影响。11.Thepremiumvarieswiththenatureofthegoods,thedegreeofcoverdesiredandtheplaceofdestination.保险费要根据商品性质、所要投保的范围以及目的地而有所不同。12.WealwaysinsureourgoodswiththePICCaspertheirOceanMarineCargoClause,Jan.1,1981revision.我们通常根据1981年1月1日版的海洋运输保险条款向中国人民保险公司投保。13.ThethreebasicrisksareFreefromParticularAverage(F.P.A.),WithParticularAverage(W.P.A)andAllRisks(A.R.).

这三种基本险是平安险、水渍险和一切险。14.F.P.A.coverstotallossresultingfrombothnaturalcalamitiesandaccidents,andpartiallosscausedbyaccidents.F.P.A.包括由自然灾害造成的实际全损和由意外事故造成的部分损失。15.AllRisksmeansW.P.A.plusadditionalrisks,orextraneousrisks,risksnotincidentaltotransportbysea.

一切险就是水渍险加上附加险，附加险指并不是由于海上运输本身所带来的风险。16.butyouwillhavetopaytheextrapremium.

但是你们必须支付额外的保险费。NotesforPassage1.ThecrimerateintheUnitedStates,especiallythatofburglaryandthefts,isontheincrease.美国的犯罪率，尤其是偷盗与入室行窃的犯罪率，有上升的趋势。2.ThenumberofjoblessAmericansrisesduetoalackofwork.美国的失业人数由于岗位不足而增多。3.Localteenageriskilledinahead-oncollision.当地青少年死于正面冲突。4.Noamountofmoneycanbringthosepeoplebacktolife,butinsurancecanhelprelievesomeofthefinancialstrainontheirsurvivors.多少钱也无法让死去的人复活，但保险可以帮助那些幸存者缓解金钱方面的压力。5.Insurance,inlawandeconomics,isaformofriskmanagementprimarilyusedtohedgeagainsttheriskofacontingentloss.在法律和经济学上，保险是一种风险管理形式，主要是用来防止遭受意外损失的。6.Riskmanagement,thepracticeofappraisingandcontrollingrisk,hasevolvedasadiscretefieldofstudyandpractice.风险管理是一种风险评估和风险控制的实践，已演变成了研究和实践两种不同的领域。7.Aninsurancepolicywillsetoutindetailwhichperilsarecoveredbythepolicyandwhicharenot.保险单具体规定了哪些风险由保单承保，哪些风险不能承保。8.Ahomeowner'sinsurancepolicyintheU.S.typicallyincludespropertyinsurancecoveringdamagetothehomeandtheowner'sbelongings,liabilityinsurancecoveringcertainlegalclaimsagainsttheowner,andevenasmallamountofcoverageformedicalexpensesofguestswhoareinjuredontheowner'sproperty.在美国，私房主的保险单包括针对房屋和物主财产的损失的财产保险，和针对业主提出的法律索赔的责任保险，甚至包括因物主的财产使客人致伤所产生的医疗费用的险别。KeystotheExercisesPracticing1.Practicethepatterndrillsorallywiththemodelsentencesorsentencestructures.

Omitted2.Substitutetheunderlinedwiththegivenwordsorphrasesorally.(1)◆ExtraneousRisks◆AllRisks◆RiskofBreakage(2)◆TheRiskofBreakage◆RiskofShortage◆WarRisk(3)◆AllRisks◆LeakageRisk(4)◆ExtraneousRisks◆AllRisks◆WPA(5)◆thecostofinsuranceonFOBterms◆thecostofspecialcoverageunderfire◆thecostoftakingoutaspecialinsurance3.CompletethefollowingshortdialogueswiththeChinesegiven.Thenpracticetheminpairs.(1)But,asarule,wedon’tcoverthem,unlessyouwantto.(2)Actually,thedamageofthegoodsbelongstotheRiskofBreakage.Wecouldaddthisitemifyouwish.(3)Itcoversallrisksandwarrisksat110%oftheinvoicevalue.(4)butyouwillhavetopaytheextrapremium.(5)thepremiumvarieswiththenatureofthegoods,thedegreeofcoverdesiredandtheplaceofdestination.WealwaysinsureourgoodswiththePICCaspertheirOceanMarineCargoClause,Jan.1,1981revision.we’dliketohaveitcoveredunderWPA.IfyouhadinsuredagainstRiskofBreakage,wesurelywouldhavecompensatedfortheloss.(9)Thisismisunderstanding.ThecompensationrangeofWithParticularAverageisonlylimitedtonaturalcalamityandaccidents.Notalllossesareinitscompensationrange.(10)WarRiskisaspecialadditionalriskandweshouldarrangeinsurancerespectively.◆Practice

1.Answerthefollowingquestionsaccordingtothetext.(1)Insurancecanhelprelievesomeofthefinancialstrainontheirsurvivors.(2)Insuranceisdefinedastheequitabletransferoftheriskofaloss,fromoneentitytoanother,inexchangeforapremium,andcanbethoughtofasaguaranteedsmalllosstopreventalarge,possiblydevastatingloss.(3)Theinsurancerateisafactorusedtodeterminetheamounttobechargedforacertainamountofinsurancecoverage,calledthepremium.(4)Two.Ahomeowner'sinsurancepolicyintheU.S.typicallyincludespropertyinsurance,liabilityinsurance.(5)Someprincipalsubtypesofbusinessinsuranceare(a)thevariouskindsofprofessionalliabilityinsurance,alsocalledprofessionalindemnityinsurance;and(b)thebusinessowner'spolicy(BOP).2.MatchtheChinesemeaningsinColumnAtotheEnglishonesinColumnB.(1)f(2)i(3)c(4)d(5)h(6)a(7)b(8)g(9)j(10)e3.ReadingAnswerthefollowingquestionsaccordingtothepassage.(1)Insuranceissimilaraidtotrade.(2)Marineinsuranceisdefinedascontractofinsurancewherebytheinsurerinreturnforpremiumscollectedundertakestoindemnifytheinsuredinamannerandtotheextenttherebyagreed，againstmarinelosses，thatistosay，thelossesincidentaltomarineadventure.(3)Theexpansionofforeigntrade.(4)Thecontractmadebetweentheinsurerandtheinsuredistheinsurancepolicy.(5)Thesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyisthepremium．TranslatethefollowingsentencesintoChinese.(1)保险是对贸易另一种类似的援助，通过这一手段，由贸易相关的一些风险或冒险引起的财产损失是可以克服的。(2)如果他们每年支付一小笔费用作为基金，任何一个损失货物的人都可以从中收取足够的资金支付损失。(3)海上保险是指保险合同，保险人承担赔偿被保人的保险费的这种方式和按商定的保险范围，对海洋的损失投保，也就是海上遇险的损失。(4)海运货物保险的存在，是为了保护进口商或出口商免受经济损失，如果货物被损坏或在从原产国的工厂或仓库到目的地国的仓库途中丢失，他会遭受经济损失。(5)在保险中，一方确保其他人免受损失或伤害，并且万一发生损失，由其支付，这一方就被称为保险人。4.WritingDearMr.Smith,WehaveinadvertentlywritteninourOrderConfirmationNo.OR211"W.P.A.&WarRiskinsurancetobeeffectedbysellers",whereasweshouldhaveforbroadercoverage.PleasehereaftertakeoutcoveronallourpurchasesofLeatheragainstT.P.N.D.,Contamination,Fresh&RainWaterDamageinadditiontoW.P.A.