商务英语函电 课件Unit 9 Insurance

BUSINESSLETTERWRITINGUnit9

Insurance●Thestudentsareexpectedtohelpstudentsknowaboutbasicknowledgerelatedtoinsurance.●Thestudentsareexpectedtolearnandmasterkeywords,phrasesandsentencepatternsusedinthebusinesslettersofinsurance.●Thestudentsareexpectedtograsptheskillsofwritingbusinesslettersaboutinsurance.LearningObjectivesBUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-playReadingoutthefollowingdialoguewithyourpartners,findthecommercialtermsrelatedtoinsurance.Background:MissSmith,aNewZealandbusinessman,isimportingabatchofporcelainwarefromChina.ThepricetermshavebeenfixedontheCIFAucklandbasis.Afterloadingthegoodsaboardtheship,MissSmithgoestotheinsurancecompanytohavetheporcelainwareinsured.Mr.JoemeetswithherintheofficeofthePeople’sInsuranceCompanyofChina.(A:JoeB:MissSmith)Unit9

Insurance译BUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-playA:Goodmorning!B:Goodmorning!I’mJohnSmith,aNewZealandbusinessman.I’mlookingforinsurancefromyourcompany.A:Welcome!MynameisJoe.Takeaseat,please.

B:Thankyou,Mr.Joe.Whatkindofinsurancedoyouprovide?Areyouabletocoverformyconsignment?A:We’reabletocoverallkindsofrisksfortransportationbysea,land,andair.B:IhaveabatchofporcelainwaretobeshippedtoNewZealand.Whatrisksshouldbecovered?Unit9

Insurance译BUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-playUnit9

InsuranceA:Wecanserveyouwithabroadrangeofcoverageagainstallkindsofrisksforseatransport,suchasF.P.A,W.P.A.AllRisksandextraneousrisks.It’sbetterforyoutoscantheseleafletfirst,andthenmakeadecision.B:F.P.A.Thatmeansfreefromtheparticularaverage.Isitgoodenough?Whatdoyouthink?A:Surelyyoucan.Doasyou’repleased.Butdon’tyouwishtoarrangeforW.P.A.andadditionalcoverageagainstriskofbreakage?Thissuitsyourconsignment.B:Em,perhapsyou’reright.I’llhavethegoodscoveredasyousaid.译BUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-playUnit9

InsuranceA:Verygood!Pleasefillintheapplicationform.Youneedtowriteeverywordclearly.B:Surely,Iwill.Mr.Joe,I’vefinished.Pleasehelpmetohaveachecktoseeifeverythingiscorrect.A:OK.Letmereadit.Insured—JohnSmith.DescriptionoftheGoods—Porcelain.ModeofTransportandNameofVessel—S.S.Huayuan.Coverage—W.P.A.plusRiskofBreakage.Oh,Mr.Smith,whyareboththeloadingportandunloadingportmissing?译BUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-playUnit9

InsuranceB:Oh,terriblysorry.Iforgotthat.Theloadingportis“XinGang”,andtheunloadingportis“Auckland”.Hereyouare.Now,what’stheinsurancepremium?

A:Thepremiumistobecalculatedinthisway.First,findoutthepremiumrateforporcelainthatis0.3%.Andsecondly,considerwhatrisksarecovered.WhatyouhavecoveredisW.P.A.plusRiskofBreakage.Sothetotalpremiumis...B:Good!Mr.Joe.Thankyouforyourassistance.A:Don’tmentionit.Seeyouagain!B:Seeyouagain!译BUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-play译文Unit9

Insurance史密斯小姐是新西兰商人，从事进口中国瓷器茶具的买卖。产品的价格条件是CIF奥克兰。装货之后，史密斯小姐去保险公司为这批陶瓷办理保险事宜。乔先生在中国人民保险公司的办公室接待了他。（A：乔先生，B：约翰史密斯小姐）backBUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-play译文Unit9

InsuranceA：早上好！B：早上好！我是约翰史密斯，一位新西兰商人。想在贵公司投保货物。A：欢迎！我是乔，您请坐。B：谢谢，乔先生。贵公司的保险种类有哪些？能为我的货投保吗？A：所有的运输方式包括海运、陆路和空运都可以投保。B：我要将这一批陶器装船运往新西兰。我应该投保哪种险别？backBUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-play译文Unit9

InsuranceA：我们对于海洋运输的保险种类非常多，比如说平安险，水渍险、一切险、附加险。您先看一下这本小册子，然后再作决定。B：F.P.A.是指平安险。您觉得投保这种险够了吗？A：当然，只要您乐意。但是您可以考虑投保水渍险和碰损破碎附加险，这比较适用于您的货物。B：也许您说的对，就投保您说的这两种险吧。backBUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-play译文Unit9

InsuranceA：好的。请您填一下申请单，要确保每个字都正确。B：好的。……乔先生，我填好了。请您帮我看看对不对。A：好的，我看看：投保人——约翰史密斯货物名称——瓷器运输方式及货轮——华远号险别——水渍险及碰损破碎险噢，史密斯先生，您怎么遗漏了起运港和卸货港呢？backBUSINESSLETTERWRITINGTaskASituationalCommunicationⅠRole-play译文Unit9

InsuranceB：哦，很抱歉，我忘了填。起运港是新港，卸货港是奥克兰。好了，给您。保险费是多少？A：保险费是这样计算的：首先找到瓷器的保险费率，是0.3%；然后看看投保的险别，您投保了水渍险和碰碎破损险，因此保险费是……B：好的，乔先生。谢谢你的帮助！A：不客气，再见！B：再见！backBUSINESSLETTERWRITINGⅠRole-playUnit9

InsuranceTaskBReading&SpeakingDiscussthefollowingquestionsbasedontheabovedialogue.Question1Question2Question3WhatkindsofrisksforseatransportcanthePICCserve?Howisthepremiumcalculated?Howdoyouunderstandinsuranceinforeigntrade?Unit9

InsuranceTaskCKnowingaboutBasicKnowledgeBUSINESSLETTERWRITINGⅠRole-playUnit9

InsuranceAfterfindingoutthecommercialtermsfromtheabovedialogue,trytogiveexplanationstoyourpartnersaboutthem.IntroductiontoInsuranceInsuranceisasystemofprotectionagainstloss.Thepurposeofinsuranceistoprovidecompensationforthosewhosufferfromlossordamage.1.Kindsofinsurance(1)MarineInsurance.(2)LandInsurance.(3)ContainerInsurance.(4)MultimodalTransportInsurance.(5)OtherKindsofInsurance.TaskCKnowingaboutBasicKnowledgeBUSINESSLETTERWRITINGⅠRole-playUnit9

InsuranceAsweknow,some98%ofworldtradeisconveyedbyseatransport,sowelayanemphasisonmarineinsuranceinthisunit.Therearemainlytwotypesofmarineinsurancecoverage:1)BasicCoverageTherearethreeformsofbasiccoverageofMarineInsurance.(1)FPA(FreefromParticularAverage).(2)WPA(WithParticularAverage).(3)AllRisks.2)AdditionalCoverageTherearetwoformsofadditionalcoverageofmarineinsurance.Additionalinsurancecoverageincludes:(1)GeneralAdditionalInsuranceCoverage.(2)SpecialAdditionalInsuranceCoverage.TaskCKnowingaboutBasicKnowledgeBUSINESSLETTERWRITINGⅠRole-playUnit9

Insurance2.DefinitionsoftheTermsRelatedtoInsuranceItmeansstatinginformationaboutvariousgoods.TheTermsDefinitionsTheInsuredTheonewhopaystheinsurancecompanyforthecoverageofrisksofthecargo.TheInsurerTheinsurancecompanythatagreestomakepaymentincaseoflossordamageoccurredtotheinsured.InsurancePolicyThecontractbetweentheinsuredandtheinsurerPremiumThesumofmoneytheinsuredpaystotheinsurerforthecoverageofrisksofthecargo.InsuranceCertificateItisasimplifiedinsurancecontract,certifyingthataninsurancepolicyhasbeenboughtandshowinganabstractofthemostimportantprovisionsoftheinsurancecontractTaskCKnowingaboutBasicKnowledgeBUSINESSLETTERWRITINGⅠRole-playUnit9

Insurance3.OtherPointsaboutInsurance

CIC(ChinaInsuranceClausesofPICC)中国保险条款

ICC(InstituteCargoClause)协会货物保险条款BUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceWorkinagrouptowritebusinesslettersaccordingtothefollowingbusinessbackgrounds.BusinessBackgroundSupposeyou’reLiMing,thesalesmanagerofShanghaiYuandongImportandExportCorporation.YouhavereceivedalettershowingtheL/CestablishmentandgivinginsuranceinstructionfromMr.Smith,ManagerofABCTradingCompanyinAmerica(SpecimenLetter1).Nowyouwantto(SpecimenLetter2):accepttheinsuranceinstructionon110%oftheinvoicevalueagainstallrisks;mentiontheextrapremium;

confirmthedateofshipment.Unit9

InsuranceUnit9

InsuranceBUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceAskingtoCoverInsurance

SpecimenLetter1Unit9

InsuranceDearMr.Li,

ReferringtoourOrderNo.213for230casesofcamerasonCIFbasis,wenowwishyoutoarrangeanAllRisksinsuranceforus.Inouropinion,thistypeofcoverageisnecessaryforthecomparativelyvaluableandfragilecargo.

Itistheusualpracticetocover110%oftheinvoicevalue,i.e.US$64,000.Theextrapremiumwillbepaidbyusonreceiptofthenecessarydocumentsfromyou.BUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceAskingtoCoverInsurance

Wehopeyouwillagreetoourproposal.

Yoursfaithfully,Mr.SmithManagerABCTradingCompany

SpecimenLetter1Unit9

InsuranceBUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceReplyLetter1ofRequestingInsuranceDearMr.Smith,Re:YourOrderNo.213covering230casesofcamerasWeacknowledgereceiptofyourrequesttoeffectinsuranceforyou.Nowwearegladtoinformyouthatwe’vecoveredthecaptionedshipmentwithPICCagainstAllRisksforUS$64,000.

ThepolicyanddebitnoteforthepremiumwillbeforwardedtoyoubeforeJune8th.ThegoodswillbeshippedbyS.S“Mile”andduetoleavehereonJune26th.Yourssincerely,LiMingSalesManagerShanghaiYuandongImportandExportCorporationSpecimenLetter2Unit9

InsuranceBUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceBusinessBackgroundNowyouhaveenquiredforinsuranceratetoPICC(SpecimenLetter3),andtheinsurancecompanygivesyouareplyabouttherate(SpecimenLetter4),asfollows:Unit9InsuranceUnit9

InsuranceBUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceEnquiryforInsuranceRateDearSirs,Weshallshortlyhaveashipmentof230casesofcameras,valuedatUS$64,000CIFNewYork,tobeshippedbyS.S“Mile”fromShanghai.PleasequoteusyourratecoveringAllRisks,includingWarRisk.AstheshipwillsailfromShanghaionJune26th,wehopetohaveyourreplyassoonaspossible.Yourssincerely,LiMingSalesManagerSpecimenLetter3Unit9

InsuranceBUSINESSLETTERWRITINGⅡHaveaTryTaskACorrespondenceInsuranceCompany’sReplyDearMr.Li,Inresponsetoyourenquiryofthe20thofthismonth,wewishtoquoteyoutherateofAllRisksat0.315%,includingWarRisk,ontheshipmentreferredtoinyourletter.Thisisanexceptionallylowratebecausemanyoftheinsurancecompanieswillhesitatetotaketheriskatanypremium.Wetrustyouwillbesatisfiedwithitandgiveustheopportunitytoustohandleyourinsurancebusiness.

Wearereadytoassistyouatanytimeonallfutureinsurancecontracts.Yoursfaithfully,(Manager)ThePeople’sInsuranceCompanyofChinaShanghaiBranchSpecimenLetter4Unit9

InsuranceBUSINESSLETTERWRITINGUnit9

InsuranceLanguagePoints1.AllRisks一切险2.coverage涉及范围(如保险范围或储备金额)3.Fragilecargo易碎品4.Itistheusualpracticeto...通常的做法是……5.110%oftheinvoicevalue/invoicevalueplus10%按发票金额的110%;发票金额加成10%6.Extrapremium额外保费7.Effecttheinsuranceforsb.为某人投保8.Debitnote借记通知单9.Valuedat...(金额)价值……10.Inresponseto回复11.exceptionally破例地12.Taketheriskat冒……险BUSINESSLETTERWRITINGUnit9

InsuranceLanguagePoints13.insure后介词的用法:ContentPrepositionsExamples表示所保货物onPleaseinsureusonthe100tonsofwool.表示投保的险别againstWeshallinsure/coverthegoodsagainstallrisks.表示保额forWeshallinsurethislot(shipment)for54,000Euros.表示保险费或费率atThisriskiscoverableataslightlyhigherpremium/attherateof5%.表示向保险公司投保withWeusuallyinsurewiththePICCforthegoodssoldonCIFbasis.BUSINESSLETTERWRITINGUnit9

InsuranceLanguagePoints13.insure后介词的用法:ContentPrepositionsExamplesWehavecoveredonthe100metrictonsofwoolfor110%oftheinvoicevalueataslightlyhigherpremiumagainstallriskswiththePICC.BUSINESSLETTERWRITINGⅡHaveaTryTaskBLetter-writingGuideUnit9

Insurance1.TheStepsinWritingaletterofAskingtoCoverInsurance(1)Mentioningrelativeordernumberorshipmentofgoodstobeinsuredagainst;(2)Statingyourrequirementfortheinsurance,suchasthecoverageofinsurance,thetypeofinsuranceandthepremium,etc;(3)Endingtheletterbyexpressingyourexpectation.2.TheStepsinWritingaLetterinquiringaboutInsuranceRate(1)Mentioningthenameofthegoodstobeinsured;(2)Informingthevalueofthegoods,theportofdischargeandthenameofthevesseltobeusedandtheportofthedestination;(3)Requestingthekindofinsuranceyouwantto.BUSINESSLETTERWRITINGUnit9

InsuranceTaskCReading&CompletingReadtheusefulexpressionsandcompletethefollowingsentencesaccordingtotheChinese.1.Lettersabout

insurance(1)Asking

toCoverInsurance，相关词组表达如：e.g.(1)我们想为这批货物从我方上述地址货仓到纽约港承保一切险。Wewishtocover/insuretheconsignmentagainstAllRisksfromourwarehouseattheaboveaddresstotheportofNewYork.(2)按到岸价格成交之货,由我公司以发票价值110%投保一切险。

AstothegoodspricedonCIFbasis,ourcompanywill________________________.BUSINESSLETTERWRITINGUnit9

Insurance(2)LettersInquiringaboutInsuranceRate，相关词组表达如：e.g.(1)请给我公司平安险和水渍险的保险费率。Pleasegiveus___________________________forF.P.A.coverageandforW.P.A.coverage.(2)保险费将与运费一同加入发票金额中。Premiumwillbeaddedtotheinvoiceamounttogetherwiththefreightcharges.BUSINESSLETTERWRITINGUnit9

InsuranceTaskTips1.LettersaboutInsuranceTheExpressionsof

AskingtoCoverInsuranceinsureagainstAllRisksfor110%oftheinvoicevalue2)TheExpressionsofInquiringaboutInsuranceRateThepolicyratesBUSINESSLETTERWRITING1.TranslatethefollowingtermsandexpressionsintoEnglish.ExercisesⅢExercisesUnit9

Insurance(1)一切险(2)水渍险

(3)平安险(4)额外保险(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(1)AnInsurancePolicyisacontractandservesasevidenceoftheagreementbetweentheinsurerandtheinsured.(2)Forthiscargo,youarerequestedtoattachaninsurancepolicy,ratherthananinsurancecertificate,totheshippingdocuments.(3)It’simportantforyoutoreadthe“fineprint”inanyinsurancepolicysothatyouknowwhatkindofcoverageyouarebuying.(4)Theratesquotedbyusareverymoderate.Ofcourse,thepremiumvarieswiththerangeofinsurance.(5)W.P.Acoverageistoonarrowforashipmentofthisnature,pleaseextendthecoveragetoincludeTPND.BUSINESSLETTERWRITING

2.TranslatethefollowingsentencesintoChinese.Unit9

InsuranceBUSINESSLETTERWRITING3.TranslatethefollowingsentencesintoEnglish.ExercisesUnit9

Insurance

(1)请注意上述货物必须在8月15日装出。(2)一收到你方的借记通知即付还额外保费,或者如果你方愿意,也可向我方开即期汇票。

(3)这份保单给我们保了破碎险吗?

(4)如你方与保险公司安排了预约保单,我方不反对在你处保险。

(5)我们的CIF价格没有把任何附加险计算在内,我们通常只投保水渍险。BUSINESSLETTERWRITING4.LetterWritingExercisesUnit9

Insurance1.Supposeyou’rethebuyer.Youwritealettertellingtheselleraboutcoveringinsurance.Completeyourletterafterreadingthefollowinginformation.(1)你方已通过××银行为售货确认书345号项下5000件白兔牌毛毯开立总金额为……美元的、保兑的、不可撤销的信用证,编号为789,有效期至8月31号止。(2)货物应在8月底前装船起运,并按发票金额的130%投保一切险。(3)由于卖方惯例上是投保发票金额的110%,多余的保险费由你方承担。(4)希望卖方按要求投保,并尽快寄送装船通知书。2.Writealetterbasedonthefollowinginformation.我方将开始定期出口电器元件(electricalcomponents)到新加坡,并从那儿发送到东南亚的客户。由于每月都有货发出,写信给保险商要求办理预约保险,险别为一切险,保值为每批5万美元,立即生效,并要求给予最优惠费率。BUSINESSLETTERWRITING4.LetterWritingUnit9

Insurance3.Supposeyou’rethebuyer.Youwritealettertellingtheselleraboutcoveringinsurance.Completeyourletterafterreadingthefollowinginformation.(1)假设你是买方,去函要求卖方为101号订单项下、以CFR贸易术语订购的500箱电子玩具按发票金额加10%投保一切险,即投保金额为2200美元。(2)承诺一旦接到对方借记通知书就会返还保险费,对方还可以开立汇票要求买方支付保险费。

(3)上述要求希望得到对方同意。BUSINESSLETTERWRITINGUnit9

InsuranceⅢKeystoExercises1.TranslatethefollowingtermsandexpressionsintoEnglish.1)AllRisk6)franchise2)W.P.A.

7)definiteinstructions3)F.P.A.8)usualpractice4)extrainsurance9)specialadditionalrisks5)insurancepremiumrate10)FWRDBUSINESSLETTERWRITINGUnit9

InsuranceⅢKeystoExercises2.TranslatethefollowingsentencesintoChinese..1)保单是一种契约，是承保人和投保人之间协议的证明。2)对于这些货物，请在装船单据中附上保险单，而不是保险凭证。3)阅读保险单上的“细则”对你是十分重要的，这样就能知道你要买的保险包括哪些项目。4)我们所报的费率是很公道的，当然，保险费用要根据投保范围的大小而有所不同。5)针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不着险。1)Pleaseseetoitthattheabove-mentionedgoodsareshippedbeforeAugust15.2)Theextrapremiumwillberefundedtoyouuponreceiptofyourdebitnote,orifyoulike,youmaydrawasightdraftonusfortheamount.3)Doesthispolicyinsure/coverusagainstBreakage?4)Ifyouhaveanopenpolicywithyourinsurancecompany,wedonotobjecttocoveringinsuranceatyourend.5)OurCIFpricesdonotincludeinsuranceagainstanyadditionalrisk.WeusuallycoverWPAonly.3.T