国际经贸函电课件 6 Insurance

Chapter6InsuranceInsuranceiscloselyrelatedtoforeigntrade.Itisquitepossibleforgoodstoencountervariouskindsofrisksandlossesduringthelongdistancetransportationfromtheselltothebuyer.Inordertoprotectthegoodsagainstpossiblelosses,thebuyersorthesellersusuallyapplytoaninsurancecompanyforinsurancecoveringthegoodsintransitbeforethetransportation.Graspbasictermsrelatedtoinsurance---kindsofrisks,average,expensesandcoverageLearnhowtowritelettersregardinginsuranceMasterusefulwords,phrasesandexpressionsLearningobjectives:Section1:Introduction1.1UsualpracticeofinsuranceintheinternationaltradeWhoisresponsiblefortheinsuranceunderthetermsofFOB,CIF,CFR?UnderthetermsofFOBandCFR,theimporter(buyer)isresponsibleforinsuranceuptotheportofdestination.UnderthetermsofCIF,theexporter(seller)insuresthegoods.insurer承保人（保险公司）insured投保人（被保险人）insurancepolicy保险单insuredamount保险金额Premium保险费Section1:Introduction1.2BasicconceptsinvolvedininsuranceIninsurance,thepartywhoinsuresothersagainstpossiblelossesordamagesandundertakestomakepaymentincaseoflossiscalledtheinsurer.InsurerIninsurance,thepartywhoisinsuredagainstpossiblelossesandtowhompaymentcoveringthelosswillbemadeiscalledtheinsured.InsuredInsurancePolicyIninsurance,thecontractmadebetweentheinsurerandinsuredistheinsurancepolicy.Inotherwords,insurancepolicyisacontractofindemnity.InsuranceCertificate保险凭证(P103)OpenCoverPolicy预约保险单(P103)CoverNote暂保单，保险证明(P103)Ininsurance,theamountofmoneytheinsureragreestocoverbyinsuranceagainstthesubjectmatteristheinsuredamount.

InsuredAmountHowtocalculatetheinsuredamount?fullamountofthegoods:(P103)theamountof110%ofCIFvalueoftheconsignmenttheamountof110%ofinvoicevalueIninsurance,thesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyiscalledpremium.

PremiumRisksincargotransportationareofmanykinds;Differentrisksmeandifferentlosses,anddifferentrisksarecoveredbydifferentinsuranceclauses;Differentinsuranceclausesmeandifferentpremiums.KindsofRisksIntheinsurancebusiness,“average”,asaspecialtermisusedtorefertolossinmarinetransportation.ItisananglicizedtranslationoftheFrenchword“avarie”or“havarie”,andhasnothingtodowithitsnormalmeaning.Average海损Oceanmarineinsurancealsocoverssomeexpensesincurredinreducingthelossofthesubjectmatterinsuredeitherbytheinsuredhimselforapartyotherthantheinsurerandinsured.ExpensesUnderC.I.C.(中国保险条款),coverageisclassifiedintotwobroadcategories:basiccoverageandadditionalcoverage.BasiccoveragemainlyincludeFPA,WPAandAllRisks.Additionalcoverageincludesgeneraladditionalcoverageandspecialadditionalcoverage.Coverage承保险别Thepartiesseekingcovercompleteaproposalform(投保单，要保书)TheinsurancecompanyassessestheriskandfixesapremiumThepremiumispaidandcoverstarts(theinsurancecompanyissues/underwritesaninsurancepolicy)ClaimforcompensationCompensationispaid1.3TheprocedureofcoveringinsuranceP103Lettersregardinginsurance:EnquiryabouttheinsurancerateanditsreplyImportersandexportersexchangeopinionsregardinginsuranceInsuranceclaimanditsreply1.4RequirementsforWritingAlettercoveringinsuranceshouldincludethefollowinginformation:SubjectmatterInsuranceamountandpremiumScopeofcover/coverage2.1UsefulWordsandPhrases

Section2:Words,PhrasesandExpressions1.insurancen.投保，办理保险:CoverinsuranceArrangeinsuranceEffectinsuranceProvideinsuranceTakeoutinsuranceinsurance后介词的用法insurance后介词的用法：1.表示所保的货物，后接on/fore.g.insuranceonthe100tonsofwool2.表示投保的险别,后接againste.g.insuranceagainstallrisks3.表示保额,后接fore.g.

insurancefor110％oftheinvoicevalue

4.表示保险费或费率，后接ate.g.insuranceataslightlyhigherpremium/insuranceattherateof5％5.表示向某保险公司投保，后接withe.g.insurancewithPICCExercise:我们已经按照发票金额的110%为100公吨羊毛投保了一切险。Wehavecoveredinsuranceonthe100metrictonsofwoolfor110%oftheinvoicevalueagainstallrisks.2.insurev.保险，投保insuresthagainst(risks)e.g.Pleaseinsurethegoodsagainstallrisksandwarrisk.3.underwritern.保险业者，保险商，保险单签署人

4.covern./v.保险e.g.Wehavearrangedthenecessaryinsurancecover.Weshallcoverthegoodsagainstallrisks.Thisinsurancepolicycoversusagainstbreakage.Weshallcoverallrisksandwarriskforyou.

Insuranceistobecoveredbythebuyers.5.coveragen.保险范围e.g.Thecoverageiswritteninthebasicpolicyformandtheclausesfordifferentrisks.6.compensatev.补偿，赔偿e.g.Inthisparticularcase,wearepreparingtoallowaspecialdiscountof5%tocompensate(you)fortheinconveniencecaused.Nothingwillevercompensateforthelossofavaluableclient’sconfidence.7.on…basis以…为基础；以…方式e.g.TheorderisplacedonCIFbasis.ThebusinessisconcludedonFOBbasis.Themachinehasbeeninstalledonatrialbasis.9.settleaclaimv.理赔n.settlementofclaims;paymentofclaims;satisfactionofaclaim8.fileaclaim(withsb.)v.提出索赔e.g.Wewouldliketofileaclaimforpilferage.Youmayfileaclaimwiththeinsurancecompanyincaseanydamageoccurs.10.forsb’saccount由某人支付e.g.Ifbroadercoverageberequired,theextrapremiumisforthebuyer’saccount.对于按CIF价格成交的货物，我们通常按发票金额的110%投保一切险和战争险。WeusuallyeffectinsuranceagainstAllRisksandWarRiskfortheinvoicevalueplus10%forthegoodssoldonCIFbasis.2.Weareinapositiontoinsuretheshipmentagainstanyadditionalrisksifyoudesireso,andtheextrapremiumistobebornebyyou.2.2UsefulExpressionsGivinginformationoninsuranceWewishtocoverinsurancefortheconsignmentwithyourcompany,andwouldliketoknowwhattypesofcoveryouusuallyunderwrite.WearemakingregularshipmentsfromShanghaitoLondonandshouldbegladtohearwhetheryouwouldbepreparedtoissueanopenpolicy.Instructionstoinsuranceagents1.Thepremiumvarieswiththeextent/coverageofinsurance.Shouldadditionalrisksbecovered,theextrapremiumwouldbecharged.2.Wewilleffectinsuranceagainsttheusualrisks,forthevalueofthegoodsplusfreight.ReplyfrominsuranceagentsIregrettoreportthelossofourglasswareinsuredwithyouundertheabovepolicy.Weenclosedcopiesofthereportofthesurveyandadeclarationbytheship’sagenttotheeffectthatthedamagewasnoticedwhenthecasewasunloaded.Wearesorrythatwecannotacceptliabilityfordamageofthegoodsunlesstheyareshippedclean.Seeclause13CofthePolicy.InsuranceclaimsanditsreplySection3:Specimens

Case1:SellerorbuyerenquiryabouttheinsuranceandthereplyfromtheinsurancecompanyLetter5-1(P104)Letter5-2(P105)Letter5-3(P106)Section3:Specimens

Case2:AsellerapplyforanopencoverandthereplyfromtheinsurancecompanyLetter5-4(P107)Letter5-5(P108)Section3:Specimens

Case3:BuyerandsellerexchangeopinionsregardinginsuranceLetter5-10(P113)Letter5-11(P114)Section3:Specimens

Case4:InsuranceclaimanditsreplyLetter5-6(P109)Letter5-7(P110)Letter5-8(P111)Letter5-9(P112)Regardingthequestionof1,wewishtostatethatfortransactionsconcludedon2basisourusualpractice3tocoverALLRisksandWARRisk4110%5theinvoicevalue.Ifyouwishtocoverotherrisksthatareunderthe6MarineCargoClauseofthePeople’sInsuranceCompanyofChina,wemaydoso7yourbehalf,buttheextrapremiumshouldbe8byyou.TheRiskofBreakage9inyourletteris10factincludedinALLRisksthereforeitisnot11tocoveritseparately.Exercise:CloseTestExercise:CloseTestYoumayrest12thatPICCisalwayspromptand13insettlingclaims.However,thereisonepointto14underlined,i.e.youmust15deliveryofthegoods16goodtimeupontheir17atthedestination,Iftheinsuredgoodsarefound18havesus