国际商务英语口语（第三版）unit 9

UnitNineInsurance

1.NewWords&Expressions2.UsefulSentences4.

Conversations

（视频）5.Practice&KeystoExercises3.ListeningPracticeNEWWORDS&EXPRESSIONS

insure[in'ʃuə]

v.保险；给...保险insure…with…在…投保…People’sInsuranceCompanyofChina中国人民保险公司OceanMarineCargoClause海洋运输货物保险条款revision[ri'viʒən]

n.修订,修改,修正,修订本insurancecompany保险公司cover['kʌvə]

v.包含,适用insurancecoveragen.保险范围，承保险别AllRisks一切险WarRisk战争险specialadditionalrisk特殊附加险premium['primjəm]

n.保险费NEWWORDS&EXPRESSIONS

insuranceamount保险金额ceramic[si'ræmik]

n.陶瓷制品fragile['frædʒail]

adj.易碎的,脆的FreefromParticularAverage(F.P.A.)平安险（不赔单独海损）WithParticularAverage(W.P.A)水渍险（赔单独海损）respectively[ri'spektivli]

adv.分别地,各个地totallosses全部损失naturalcalamities自然灾害casualtiesn.人员伤亡partiallosses部分损失plus[plʌs]

prep.加上NEWWORDS&EXPRESSIONS

generaladditionalrisks一般附加险theft,pilferage&non-deliveryrisks盗窃提货不着险freshwaterand/orraindamagerisks淡水雨淋险clashandbreakagerisks碰损破碎险extra['ekstrə]

adj.额外的InstituteCargoClauses(I.C.C.)协会货物条款claim[kleim]

n.索赔，(根据权利提出)要求practically['præktikəli]

adv.几乎,简直premiumrebate保险回扣underwriter['ʌndəraitə]

n.承保人insurancepolicy保险单USEFULSENTENCES

谈论投保人

1.UnderFOBorCFRcontracts,thebuyersshouldcoverinsurancethemselves.

在FOB或CFR合同下，买方应自行办理保险。2.Weshalltakeoutinsuranceatourendunderopenpolicy.

我们将在我地办理预约投保。3.Wecanarrangeinsuranceonyourbehalf.

我们可以为你们代办保险。USEFULSENTENCES1.Formarineinsuranceongarments,whatrisksdoyoucover?

对于服装的海洋运输保险，你们投保什么险？2.Whatcoveragedoyouthinksuitsourgoodsbest?

你们认为什么保险范围最适合我们的货物？3.Whatinsurancewillyouarrangeonthisbatchofglassware?

对于这批玻璃器皿你们将投保什么险种？询问保险问题

USEFULSENTENCES1.ThePICCoffersafullrangeofinsuranceservicesworldwide.

中国人民保险公司在全球范围内提供全面的保险服务。2.Chinahasnowthreemajorinsurancecompanies:thePeople’sInsuranceCompanyofChina,thePacificInsuranceCompanyandthePingAnInsuranceCompany.

中国目前有三大保险公司：中国人民保险公司、太平洋保险公司和平安保险公司。3.Insuranceistobecoveredfor110%oftheinvoicevalue.

保险应按发票金额的110％办理。4.Ifyourequireahigheramount,say,theinvoicevalueplus30%ormore,youhavetobeartheadditionalpremium.

如果你们要求更高的保值，比如发票金额的130％或更多的话，你们要负额外的保险费。5.Thepremiumforthedifferencebetween110%and130%oftheinvoicevalueshouldbebornebythebuyer.

发票金额110％与130％之间的差额保险费由买方承担。介绍保险公司及讨论投保金额

USEFULSENTENCES1.WeusuallyinsurethegoodsagainstAllRisksandWarRiskfor110%oftheinvoicevalue.

我们通常按发票金额110％投保一切险和战争险。2.Generallyspeaking,weinsureW.P.AonCIFsales.

一般来讲，如果是以CIF价成交的话，我们投保水渍险。3.InsuranceistobeeffectedagainstAllRisksandWarRiskaspertheOceanMarineCargoClauseofthePeople’sInsuranceCompanyofChina.

根据中国人民保险公司《海洋运输货物保险条款》按发票金额的110％投保一切险和战争险。4.Pleaseseetoitthattheinsuranceistobeeffectedwarehousetowarehouse.

请注意保险要按仓至仓条款。5.Specialrisksarenotcoveredunlessthebuyerappliesfor.

除非买方申请，否则将不投保特殊附加险。介绍保险条款及投保险别USEFULSENTENCES1.Theunderwritersareresponsiblefortheclaimasfarastheclaimiswithinthescopeoftheinsurance.

只要索赔是在保险范围内，保险公司就负责赔偿。2.Theinsurancecompanyrefusedtoadmitliability,asthereisnoinsuranceonbreakage.

保险公司拒绝做出赔偿，因为没有投保破碎险。3.Thelossinquestionisbeyondthecoveragegrantedbytheinsurancecompany.

所提出的损失超出保险公司的承保范围。4.TheF.P.A.clausedoesnotcoverpartiallossofthenatureofparticularaverage,whereastheW.P.A.clausecoverssuchlosseswhentheyexceedaprearrangedpercentage.

平安险不承保由自然灾害造成的部分损失，而水渍险则承保超过一定比例的这种损失。

讨论保险责任

LISTENINGPRACTICE

A:MsLee,canyoutellmesomethingyou’ll

fortheinsuranceonourcargo?B:Sure.Wealways

ourgoodswiththePeople’sInsuranceCompanyofChinaaspertheirOceanMarineCargoClause.A:AsIknow,PICCisthebiggestinsurancecompanyinChina,isn’tit?B:Youareright.Itoffersverygood

.A:Thenwhatrisks

doyouusuallycover?B:Weusuallycover

forourgoods.A:DoesAllRisksincludeWarRisk?B:No.WarRiskisaspecial

risk,andithastobearranged

.A:Thendoremembertocover

forus.B:Noproblem.Butitissubjecttoanadditional

,becauseourCIFquotationdoesn’tincludethisrisk.A:OK.Onemorepoint,what’stheinsurance

?B:Accordingtotheinternationalusualpractice,weinsurefor110%ofthe_______

value.A:Allright.

arrangeinsureservicesAllRisks

additionalseparatelyWarRiskpremiumamountinsureLISTENINGPRACTICE

A:MsZhang,sincethevasesweorderareakindoffragile

,Iwanttoknowthedetailsofthecargoinsurancesothatwecanchoosethesuitable

.B:Ican’tagreewithyouanymore.Nowletmetellyousomethingaboutit.Firstly,OMCCofPICCprovidesthree

coverage,namelyFreefromParticularAverage(F.P.A.),WithParticularAverage(W.P.A)andAllRisks(A.R.).A:Whatdotheymeanrespectively?B:Generallyspeaking,F.P.A.covers

resultingfrombothnaturalcalamitiesandspecificcasualties,aswellas

causedbyspecificcasualties.A:Isee,thenwhataboutW.P.A.?B:W.P.A.provides

coveragethanF.P.A.ItcoverspartiallossesresultingfromnaturalcalamitiesaswellaseverythinginW.P.A.A:AndIsupposeAllRisksprovidebroadercoveragethanW.P.A.,right?B:Yes,AllRiskscoverW.P.A.plus

additionalrisks,includingtheft,pilferage&non-deliveryrisks,freshwaterand/orraindamagerisks,clashandbreakagerisksetc.A:Itsoundsgood.Ithink

aremoresuitableforourgoods.B:That’swhatweusuallydofortheconsignmentofceramics.A:Onemorething,I’dliketohavetheinsurance

for130%oftheinvoicevalue.B:Thiscanbedone,butweusuallycovertheinsurancefor110%oftheinvoicevalue,soyouwillhavetopayan

premiumthen.A:InthiscaseI’dratherhave110%.consignment

coverage

basis

totallosses

partiallosses

broader

generalAllRisks

coveredextraVideo1Video2Video3PRACTICE1[实训场景]保险条款[地点]模拟公司谈判室[形式]口头洽谈[内容]Mr.CarpenterfromForestGiftsCompanyisaskingsomethingabouttheinsurance.Mr.Wangprovidesinformationindetailsasfollows:PRACTICE1Commodity:

DinnerSetsInsurancecompany:

PICCInsurancecoverage:W.P.A&BreakageInsuredamount:110%oftheinvoicevalueClaimspayableat:Localcitywithin60daysafterthearrivalofthegoods[要求]学生两人一组，根据给出的情景洽谈关于保险的事宜，洽谈要点如下(供参考)：

1．询问保险公司1．告知保险公司2．询问投保险别2．告知投保险别，并解释承保范围3．要求增加战争险和罢工险3．同意但要对方支付额外保费4．询问投保金额及索赔地点、时间4.告知投保金额及索赔地点、时间买方卖方PRACTICE2[实训场景]保险条款[地点]模拟公司谈判室[形式]口头洽谈[内容]Mr.JiangistalkingwithMr.Wilsonabouttheinsurance.Thedetailsareasfollows:PRACTICE2Buyer:Mr.WilsonfromImpressionElectronicsTradingCo.,Ltd.Seller:

Mr.JiangfromD&SScienceAndTechnologyCo.,Ltd.Commodity:800setsofDVDPlayersInsurancecompany:PICCInsuredamount:Buyer:Toaskfor130%oftheinvoicevalue[要求]学生两人一组，根据给出的情景洽谈关于保险的事宜，洽谈要点如下(供参考)：1．希望对方把CIF价改为CFR价

1．承诺我方能提供优质保险服务2．询问询问投保险别

2．告知投保一切险

3．要求增加破损险3．为建立以后业务关系，同意对方要求

4．询问是否能按发票130%投保4.告知需要对方承担额外保险费买方卖方KEYSTOEXERCISES1.(1)你们会投保水渍险和战争险，是吗？(2)根据你方指示，我们将会办理一份水渍险的保单。(3)除非买方要求，否则将不投保附加险。(4)对这批服装，请按发票金额的110%向中国人民保险公司投保一切险。(5)如果你方承担额外保险费，那么你方投保至内陆城市的要求可以接受。EXERCISE1KEYSTOEXERCISES2.Ourcustomerthinksit’ssimplertocoverinsuranceatyourend.(2)I’dliketohavetheinsurancecoveredfor115%oftheinvoicevalue.(3)YouneedtobeartheextrapremiumifyouwanttocoverWarRisk,sinceourCIFquotationdoesn’tincludethisrisk.(4)Toagreatextent,premiumissubjecttotheriskswecover.(5)We’vebeeninsuringwithPICCforourcommodities.EXERCISE2KEYSTOEXERCISES(1)A：SinceyourquotationisonCIFbasis,Iwanttoknowsomethingabouttheinsurance.B：OK,please.A：Whatrisksdoyoucover?B：WeusuallycoverWPA.A：ButasIknow,nowmanyexporterscancoverAllRisksfortheircustomers.B：

Ibelievetheirquotationsarehigherthanours.IfyouwantAllRisks,I’mafraidyouneedtopayextrapremium.A：Pleasecalculatethepremiumforus.Onemorequestion,what’stheamountyouinsure?B：Accordingtotheinternationalpractice,weinsurefor110%oftheinvoicevalue.EXERCISE3KEYSTOEXERCISES(2)-1A：Nextlet’scometothetermsofinsurance.B：Yes,thisisjustwhatIwanttosay.Withwhichcompanydoyoucovertheinsurance?A：WecoverinsurancewithPICC.B：IheardthatinyourcountrythePacificInsuranceCompanyandthePingAnInsuranceCompanyarealsogood,right?A：Yes,theyarethethreetopinsurancecompaniesinChina.ButthePICCisthelargestamongthem.B：Whichrisksdoesyourquotationinclude?A：WecoverAllRisks,whichisthebroadestcoverageamongthethreebasicones.EXERCISE3KEYSTOEXERCISES(2)-2B：ButjudgingfromtherecentsituationintheMiddleEast,IthinkweshouldalsocoverWarRiskandStrikeRisk.A：Noproblem.Buttheybelongtoadditionalrisks,soyouneedtopaytheextrapremium.B：Canyouinsurefor130%oftheinvoicevalue?A：Wecancertainlydothis,buttheinternationalpracticeis