国际商务信函写作-Unit-9-Insurance

Unit9

Insurance

2023最新整理收集do

somethingContents1.Revision

2.NewLecture3.UsefulExpressions4.

ExercisesBylearningthisunit,youaresupposedtobeableto:Understandtheimportanceofinsurance.

Knowthebasicknowledgeandtypesofinsurance.3.Writeletterstotalkaboutinsurance.

TeachingGoalsRevision

I.

TranslatethefollowingphrasesfromEnglishtoChineseorviceversa.1.non-negotiableB/L2.voyagecharter3.ETD4.dispatchmoney5.shippingspace6.运输合同7.班轮提单8.滞期费9.指示提单10.运费II.SentenceTranslation.1.There’sstillanotherpossibilitytoensureapromptdeliveryofthegoods.2.IfshipmentwereeffectedfromHongKong,wecouldreceivethegoodsmuchearlier.3.Theyholdadiscussiononthetimeofshipmentforfireworks.4.I’msorrytotellyouthatweareunabletogiveyouadefinitedateofshipmentforthetimebeing.5.Aftershipment,itwillbealtogetherfourtofiveweeksbeforethegoodscanreachourretailers.NewLectureBackgroundKnowledgeWhatisinsurance?保险是一种契约行为，指被保险人（出口商或进口商）给予保险人（保险公司）一定的保险费，而由保险人负责赔偿被保险人未来可能遭受的某种损失。办理保险手续和支付保险费，可由卖方负责，也可由买方负责，视合同使用的贸易术语而定。ImportanceofInsuranceInsuranceiscloselyrelatedtointernationaltrade.Ininternationalbusiness,thetransportationofthegoodsfromthesellertothebuyerisusuallyoveralongdistanceandhastogothroughtheproceduresofloading,unloadingandstoring.Thisprocessinvolvesvariesriskswhichmayresultinthedamageorlossofthegoods,andthustheinconveniencesorevenfinanciallossestoboththesellerandthebuyer.Toprotectthegoodsagainstpossiblelosses,beforeshipment,thebuyerorthesellerusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodstobetransported.Theinternationaltradeissubjecttomanyrisks.Shipsmaysinkorgoodsbedamagedintransit,exchangeratesmayalter,buyersdefaultorgovernmentsuddenlyimposeanembargo.Therefore,exportersandimportershavetoinsurethemselvesagainstmanyoftheserisks.Asfarasinternationaltradeisconcerned,whatmainlyconcernstousisstillthemarineinsurance,foralargepercentagetradegoesbyship.由于国际贸易的货物大多数是通过海洋运输的，所以海洋运输货物保险就显得特别重要。它主要分为平安险、水渍险和综合险3种。投保时，通常选择这三种基本险别的一种，然后根据货物的性质、包装等，加保其他必要的特殊附加险别。Threebasictypesofinsurance:

1.FreeofParticularAverage(F.P.A)平安险单独海损不担保（是范围较窄的一种险，只负责诸如船的搁浅、沉没等“海难”引起的全损及共同海损的赔偿）2.WithParticularAverage(W.P.A)orWithAverage(W.A)水渍险单独海损赔偿险（比平安险的范围要广一点，对整个保险期内由海难引起的全部损失或损坏提供广泛的保险，包括对恶劣天气等自然灾害所引起的部分损失或损坏的赔偿）3.AllRisks一切险综合险（是三个基本险中范围最广的）其他附加保险

Generaladditionalrisksusuallyare:Theft,pilferageandnon-delivery(T.P.N.D)FreshWaterand/orRainWaterDamageRisksofShortageRisksofHookDamageRiskofBreakageofPackingItmustbenotedthat,inChina,allthesegeneraladditionalrisksareincludedin“AllRisks”.Specialadditionalrisksusuallyare:FailuretoDeliveryRisksWarRisksStrike,RiotsandCivilCommotions(S.R.C.C).SpecialadditionalrisksarenotincludedinAllRisksandhavetobetakenseparately.WritingStrategyAninsuranceletteriscomposedofthreemainpartsasfollows:1.Theopeningsentence:expressthanksforthepreviousletterofinsuringthegoodsandconfirmtheinsuredgoods.2.Themiddlepartcanbedividedintoseveralparagraphsifnecessary,anditstatesthedetailsofinsurancecompletely.3.Theclosingsentence:hopetomakearesponsepromptly.Whilewritingaletteronanopeningpolicybytheclients,oneshouldmaketheaimsclear,askforthepolicypolitely,andpaymoreattentiontopoliteness,concisenessandcompleteness.TextbookSection1Section2Section

3Section4AskingforInsuranceArrangement

OpenCoverPolicy

ReplytoanInsuranceApplicationRequestforExcessiveInsurance

Section1AskingforInsuranceArrangement

Letter1DearSirs,Wehavepleasureininformingyouthatwe’vebookedS/S,“EastWind”,whichisleavingGuangzhouforNewYorkonJuly5th1991,tocarry1,000cartonsofLitchiwithatotalinvoicevalueofHK$20,000.Eagle&PumaLtd.,theconsignee,entrusts①uswithinsuringtheconsignmentagainstALLRisks②.Theamounttobecoveredisthetotalinvoicevalueplus10%.Pleasequoteusthelowestrateforthecover.Yoursfaithfully,

LanguagePoints1.entrustv.委托，信托e.g.WewillentrustyourcompanyastheonlybusinessagentofourcompanyinChina.我们将委托贵公司作为我公司在中国的独家业务代理。2.ALLRisks:一切险，简称AR，它的责任范围在三种主要险别中是最大的。它不仅负责平安险（FPA）和水渍险（WA）的责任，而且还负责一般附加险的责任。3.中国保险公司项下的远洋运输保险条款有三个基本险别：平安险（FPA）、水渍险（WA）和一切险（AR）。在我国，货物保险分为基本险与附加险，附加险又分为一般附加险和特殊附加险。例如：偷窃与提货不着险属于一般附加险，而罢工、暴动和民变险和战争险属于特殊附加险。附加险不可单独投保，它必须在基本险的基础上一起投保。Section1AskingforInsuranceArrangementLetter2DearSirs,Referringtoourcontract,youwillseethetransactionisconcludedonCFRbasis.Asdiscussedinoure-mail,wenowdesiretohavetheorderinsuredatyourside.WeshallverymuchappreciateitifyoucouldhavethegoodscoveredforouraccountagainstFPA②andAflatoxinRisk③for110%oftheinvoicevalue,totallyGBP55.000.Wewillrefundthepremiumtoyouuponreceiptofyourdraftatsightonusoradebitnote.Wesincerelyhopeourrequestwillmeetyourapproval.Lookingforwardtoyourearlyreply.Yourstruly,

LanguagePoints1.承保人和投保人之间的契约被称为保险单或保险凭证。在保单项下所规定的保险条款中，通常包含一下内容：谁投保保险，投保何种险别，按发票金额的百分之几投保，并列清单即将以何种保险条款执行。2.FPA:freeofparticularaverage【保险业】单独海损不赔，平安险3.AflatoxinRisk黄曲霉素险该附加险承保被保险货物（主要是花生、谷物等易产生黄曲霉素）在进口港或进口地经卫生当局检验证明，其所含黄曲霉素超过进口国限制标准，而被拒绝进口、没收或强制改变用途所造成的损失。按该险条款规定，经保险人要求，被保险人有责任处理被拒绝进口或强制改变用途的货物或者申请仲裁。Section1AskingforInsuranceArrangementLetter3DearSirs,WewouldliketoinsurethefollowingconsignmentagainstAllRisksandSRCC①forthesumofU.S.$50,000:10,000yardsofwateredsilk.ThesegoodsaretobeloadedontotheS.SChangFengwhichsailfromDalianonMay15andisdueinLondononJune2.Asthematterisurgent,wewouldappreciateanearlyreply.Thankyou.Yoursfaithfully,LanguagePoints1.SRCC:strike,riotsandcivelcommotion罢工、暴动、民变险Section1AskingforInsuranceArrangementLetter4DearSirs,WewishtoreferyoutoourOrderNo.123for1000casesToys,fromwhichyouwillseethatthisorderwasplacedonCFR①basis.Aswenowdesiretohavetheshipmentinsuredatyourend,weshallappreciateitifyouwillkindlyarrangetocoverthesameonourbehalf②againstAllRisksatInvoicevalueplus20%,i.e.US$100,000.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawon③usatsightforthesame.Wesincerelyhopethatourrequestwillmeetwithyourapproval.Yoursfaithfully,LanguagePoints1.CFR价格术语，costandfreight的缩写，成本加运费价e.g.OrderNo.123for1000casesToysisorderwasplacedonCFRbasis.订购1000箱玩具的123号订单是在成本加运费价基础上签订的。2.onone’sbehalf/onbehalfofsb.代表（或代替某人）e.g.WillyoucoverthesameonourbehalfagainstAllRisksatInvoicevalueplus20%?贵公司能否代表我方按发票金额的20%同样投保一切险？3.drawonsb.atsightfor/against向某人即期汇票索取e.g.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightforthesame.我们将在收到你们的收款单后付还保险费，或者你们也可以像我们即期汇票索取。Section2OpenCoverPolicyLetter1DearSirs,WeareinreceiptofyourletterofJuly20askingustocoverinsurance①onthecaptionedgoodsforyou.Incompliancewithyourrequest,wehavecontractedtheinsurancecompanyhereandcoveredthegoodswiththemagainstAllRisksandClash&BreakageRisks②for130%oftheinvoicevalue,totalingUS$18，200.Thepolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubyairmailwithinoneweek.PleasepaythepremiumbycheckintoouraccountwiththeBankofChina,Beijing.Foryourinformation,wearearrangingshipmentoftheabovegoodsbyS.S.Yoursfaithfully,LanguagePoints1.coverinsurancefor:为……投保e.g.Weshallcovertheglasswareagainstbreakagerisk.我们将为这些玻璃器皿投保破碎险。2.Clash&BreakageRisks碰损破碎险Section2OpenCoverPolicyLetter2DearSirs,Wearegladtolearnfromourconnections①that,asaninsurancecompanyintheworld,youhavesofarprovidedsatisfactoryservicetoallyourcustomers.NowweavailourselvesofthisopportunitytoapproachyouforinsuranceonthegoodswearegoingtopurchasefromJapan.WehaveconcludedbusinesswiththeJapansuppliersforlargequantitiesofhouseholdelectricappliancesandthegoodsaretobeshippedfromOsaka③tousinteninstallments②withinfifteenmonths.Tosavetimeandcost,weshouldfindsomeonewhocanissueopenpolicesforourimportsatthemostfavorablerates.Ifyouareinterested,pleasefaxusimmediatelysothatwecansendyoudetailsofthegoodsthataretobeimportedandnegotiatedfurtherwithyou.Wearewaitingforyourgoodnews.Yoursfaithfully,

LanguagePoints1.connectionn.客户，顾客；关系，联系e.g.Wehavegoodconnectionswithalltheleadingimportersandwholesalesinourcountry.我们与我国所有主要进口商，批发商有着密切的联系。2.installment分期，分批e.g.Wedidn’tbuythegoodsoninstallmentbasis.Wewantthemtobeshippedinonelot.我们不是按分批装运买进该货物的，我们要求一次装运。Howmanyinstallmentsdidittaketopayofftheloan?贷款是分几期偿还的？3.Osaka大阪（日本港市）Section2OpenCoverPolicyLetter3DearSirs,WeacknowledgewiththanksthereceiptofyourletterofAugust1st.Wearepleasedthatyouwouldliketoinsurewithusthegoodsof20casesofMen’sShirtsbyInternationalShippingLine①fromNewYorktoShanghai.WewillcoverinsuranceWPA②andWarRisksaccordingtousualpracticeintheabsenceofdefiniteinstructionsfromyou.Thepremiumisattherateof③1.5%ofthevaluedeclared.Weencloseheretherelevantfileofourcompanyforyourreference.Wearesurethatyouwillfindourrateismostfavorable.Ifourrateisacceptableforyou,pleaseletusknowitsothatourinsurancepolicycanreachyourtimely.Welookforwardtohearingfromyoupromptly.Yoursfaithfully,

LanguagePoints1.InternationalShippingLine国际航运公司2.WPA（WithParticularAverage,也写作W.P.A）是中国人民保险公司制定的保险条款中的海洋运输货物保险条款所包括的三个基本险别之一。3.attherateof按…….比率Section3ReplytoanInsuranceApplicationLetter1DearSirs,Thankyouforyourletterof23April.Asrequested,weencloseherewith①ourInsuranceCertificateNo.57568,induplicate,coveringtheaboveshipmentagainstAllRiskssubjecttoPICCclauses②whichwasshippedonboardthevessel“DONGFENG”sailingonorabout5May,2009fromZhanjiangtoHamburgforasumofUS$68800.Kindlyacknowledgereceiptthereof.③Yoursfaithfully,

LanguagePoints1..herewith尤用于商业函件，表示“同此函”等e.g.Pleasefillintheformenclosedherewith.请填写随函附上的表格。2.coveringtheaboveshipmentagainstAllRiskssubjecttoPICCclauses…

（该批货物）按中国人民保险公司条款进行投保coversth.orsb.againststh.orforsth.为某物或人保某种险e.g.WeshallcoverthegoodsagainstAllRisks.我们将把这些货物投保一切险。3.kindlyacknowledgereceiptthereof凭证收到后请确认Section3ReplytoanInsuranceApplicationLetter2DearSirs,Inreplytoyourenquiry,wearepleasedtogiveyouthefollowinginformation:ALLRisks,accordingtoPICC’sOceanMarineCargoClauses①,“coversAllRisksoflossorofdamagetotheinsuredgoodswhetherpartialortotal,arisingfromexternalclausesinthecourseoftransit”asidefromtheriskscoveredundertheFPAandWAconditions.Butthisinsurancedoesnotcover:“1.Lossordamagecausedbytheintentionalactorfaultoftheinsured.2.Lossordamagefallingundertheliabilityoftheconsignor.3.Lossordamagearisingfromtheinferiorqualityorshortageoftheinsuredgoodspriortotheattachmentofthisinsurance.

4.Lossordamagearisingfromnormalloss,inherentviceornatureoftheinsuredgoods,lossofmarketand/ordelayintransitandanyexpensesarisingtherefrom.5.RisksandliabilitiescoveredandexcludedbytheOceanMarine(Cargo)WarRisksClausesandStrike,RiotandCivilCommotionClausesofthiscompany.”AlthoughtherateofAllRisksishigherthanthatofotherrisks,inviewofyourconsignment,AllRisksisyourbestchoice.Enclosedistheinformationaboutvariouscoveragesandtheirrelevantpremiumrate②foryourreference.Welookforwardtothepleasureofservingyouwell.Yourssincerely,LanguagePoints1.PICC’sOceanMarineCargoClauses中国人民保险公司海洋运输货物保险条款2.relevantpremiumrate相关保险费率Section3ReplytoanInsuranceApplicationLetter3DearSirs,WithreferencetoyourletterofAugust1inquiringabouttheinsuranceonyourorder,wewishtoinformyouthatforgoodssoldonCIFbasis,ourcompanywillcover①againstAllRisksandWarRisksfor110%oftheinvoicevalue.Ifyouwanttoinsurebroadercoverage,theextrapremiumwillbebornebyyou②.Theinsuranceshallterminatewhenthegoodsaredeliveredtotheconsignee’swarehouseatthedestinationnamedinthepolicy.Ourunderwriter—thePeople’sInsuranceCompanyofChinaenjoyhighreputationforsettlingclaimspromptlyandequitable.Shouldanydamagetothegoodsoccuraclaimmaybylodgedwiththeinsuranceagentatyourend,whowillundertaketocompensateyouforthelosssustained.Forfurtherparticulars,pleasescontactthePeople’sInsuranceCompanyofChinaoritsagentatyourend.Yoursfaithfully,LanguagePoints1.cover…110%oftheinvoicevalue按发票金额的110%投保2.bebornebysb.由某人负担e.g.Accordingtothecontract,theinsurancepremiumisbornebyyou.根据合同，你方应承担保险费。Section4RequestforExcessiveInsurance

Letter1DearSirs,Asregardstoyourfaxdated14th,Oct.2008coveringforecommoditiesforA.R.underContract2133③,weherebywanttokeepyouinformedthat④theAJC⑤of3FCL⑥shippingtoIraqwillneedtoaddtheWarRiskattheproportionof0.3%ofthetotalinvoicevalue,andgoodspackedinplasticbagsof4FCLtoBaltimorewilladditionallycovertheF.P.A.Ofcourse,pleasenotethattheremaininggoodsarestillcoveredagainsttheoriginalinsurancetermsstipulatedinthecontract.Yoursfaithfully,LanguagePoints1.requestfor请求，恳求=asksb.forsth.inspeakingorwritingmakearequestforinstruction请示2.ExcessiveInsurance=AdditionalInsurance附加险投保人在投保三种险别中的任何一种以后，还可另加保附加险。附加险有一般附加险(GeneralExcessiveInsurance)和特殊附加险(SpecialExcessiveInsurance)。3.coveringcommoditiesforARunderContract2133：2133合同项下所投保商品的一切险4.keepyouinformedthat．．．通知你们．．．e.g.Keepmeinformedaboutwhathappens.有事随时通知我。5.AJC.applejuiceconcentrate浓缩果汁6.FCL：集装箱整柜（FULLCONTAINERLOAD）Section4RequestforExcessiveInsuranceLetter2DearSirs,ThankyouforyourletterofJuly7,2009informingusthatthelatheswebookedwithyouarenowreadyforshipment.Ascontracted,insuranceonthegoodsshouldbeeffectedfor10%abovetheinvoicevalue②.ButasyouknowtherecentsituationinthecountriesalongthewayfromBeijingtoourportisveryserious,wewonderifyoucouldinsureagainstWarRiskinadditiontothepreviouslyagreedFPAfor150%oftheinvoicevalue.Ifso,theextrapremiumwillbeforouraccount③.Yourearlyinformationoftheabovewillbemuchappreciated.Yoursfaithfully,LanguagePoints1.effectinsurance投保

YoumusteffectpaymentofOrderNo.3476plustheinterestimmediately.

你们应立即支付3476号订单的款项及相关利息。2.for10%abovetheinvoicevalue按发票金额的百分之十3.forone’saccount由某人支付（负担）Anyadditionalcostarisingfromtransshipmentshallbeforthebuyer’saccount.因转船引起的一切附加费应由买方承担。Section4RequestforExcessiveInsuranceLetter3Dearsirs,WehavereceivedyourletterofJanuary23,askingustoinsurethecaptionedorderforanamountof30%abovetheinvoicevalue.Althoughitisourusualpracticetoinsureshipmentsfortheinvoicevalueplus10%,wearepreparedtocomplywithyourrequestforgettingcoverfor130%oftheinvoicevalue.Buttheextrapremiumwillbeforyouraccount.Pleasetakenoteoftheabove.Yoursfaithfully,LanguagePoints1.complywith照做，遵守

e.g.TheCompanystrivestobeagoodcorporatecitizenineverycountryandcommunitywhereitconductsbusinessandwillcomplywithallapplicablelawsandregulations.对于公司来说，为了在和他们有生意往来的国家或者社区树立良好的形象，他们都会遵从所有的相关法律及规则。Glossary11.insuranceproceed保险金（保险收入）2.insurancearrangement保险安排，保险计划3.aninsurancecompany保险公司4.insuranceagents保险代理人5.insurancecertificate保险凭证6.insurancecoverage保险范围7.insurancepremium保(险)费8.insuranceapplicant投保人9.premium保险费10.insurancedocument保险单据目前，海洋运输货物保险的附加险主要有一下几种：(1) 偷窃、提货不着险：Theft,PilferageandNondelivery,简称TPND(2) 淡水雨淋险：FreshWaterRainDamage,简称：FWRD(3) 短量险：RiskofShortage(4) 混杂、玷污险：RiskofIntermixture&Contamination(5) 渗漏险：RiskofLeakage(6) 破损、破碎险：RiskofClash&Breakage(7) 串味险：RiskofOdor(8) 受热、受潮险：DamageCausedbyHeating&Sweating(9) 钩损险：HookDamage(10) 包装破裂险：LossforDamagebyBreakageofPacking(11) 锈损险：RiskofRustGlossary2insurancepolicy保险单insurancecertificate保险凭证openpolicy预约保单byairmail通过空运bycheck通过支票（付还）atthemostfavorablerates以最优惠的利率usualpractice惯例intheabsenceof缺少，没有definiteinstructions具体指示valuedeclared申报价格Glossary31.shiponboard已装船2.consignee收货人3.underwriter保险人，承担人4.settleclaims理赔5.oceanmarinecargoinsuranceclause海洋运输货物保险条款6.insurancecoverage;riskscovered保险范围7.average海损ParticularAverage(P.A)单独海损GeneralAverage(G.A)共同海损8. FailuretoDeliveryRisk交货不到险9. riskofnormalloss自然损耗险10.insuranceagainstadditionalrisks附加险Glossary41.bereadyforshipment等待装运2.inadditionto附加于3.beforouraccount由我方承担4.effect实现，完成，进行effectpayment付款effectshipment装运，装船5.insuranceinstruction投保通知6.insuranceconditions保险条件7.insuranceexpense保险费8.premiumrate保险费率9.insurancebroker保险经纪人10.insurancecompensation(indemnity)保险赔偿金UsefulExpressionsWecanserveyouwithabroadrangeofcoverageagainstallkindsofrisksforseatransport,suchasFreeofParticularAverage(F.P.A),WithParticularAverage(W.P.A),AllRisksandExtraneousRisks.Pleasenotethatourinsurancecoverageisfor110%oftheinvoicevalueonly.Intheinsurancebusiness,theterm“average”simplymeans“loss”inmostcases.W.P.Acoverageistoonarrowforashipmentofthisnature,pleaseextendthecoveragetoincludeTPND.FortransactionconcludedonCIFbasis,weusuallycovertheinsuranceagainstAllRisksfor110%oftheinvoicevalue.Ifyouwishtocoverinsurancefor130%instead,theextrapremiumshouldbeforyouraccount.Intheabsenceofyourdefiniteinstructions,weusuallycovertheinsuranceagainstWPAandWarRisks.IfyouwanttocoverFPA,pleaseletusknowinadvance.Thecoveristobefromwarehousetowarehouseandcome