高职财经外贸函电UnitNineInsurance.ppt

,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,点击此处结束放映,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,Page,*,Unit Nine Insurance,Brief Introduction,New words and Expressions,Notes,Useful Expressions on Insurance,Insurance,1,Definition,The purpose of insurance is to provide compensation for a person or a group of persons or a company who suffer from loss or damage.So it actually is a contract of in-demnity,in which the insurer promises to pay either the full amount of the loss incurred,or a specified percentage of the amount of the loss to be insured.,Brief Introduction,The contract of insurance is made in the form of an insurance policy between two parties:the insurer on the one hand,accepts the risks,and the insured seeks protection from the risk on the other hand.,2,Maritime Losses,Maritime Losses are generally divided into two kinds as follows:,（,1,）,Total loss(,全损,),（,2,）,Partial loss also“Average”.(,部分损失,),There are two kinds of Average in the practice of insurance.,（,1,）,General Average(,共同海损,),（,2,）,Particular Average(,单独海损,),(1)Free From Particular Average(FPA),(2)With Average(WA)or With Particular Average(WPA),(3)All Risks(AR),Besides the principal perils,there are also a number of additional risks.,Additional risks are usually classified into two categories:General additional risks and Special additional risks,4,Effecting Insurance on Cargoes,The ways of effecting insurance on cargoes differ in their terms of tran-saction.,(1)On the basis of FOB or C&F,the cargoes are to be insured by the importer.,(2)On the basis of CIF,the exporter is to insure the goods and to pay the premium.,【Sample 2】,Dear Sirs,，,Re:Your Order No.523 for 600 Bassinets,This is to acknowledge receipt of your letter of March 12,2007.requesting us to effect insurance of the captioned shipment for your account.,We are pleased to inform you that we have insured the above shipment with the Peoples Insurance Company of China against All Risks for US$80,000.00.The policy is being prepared accord-ingly and will be forwarded to you by the end of this week to-gether with our debit note for the premium.,For your information,we are making arrangements to ship the 800 Bassinets by M.S.“Taishan”,sailing on or about the 29th of March.,Yours sincerely,【Sample 7】,Dear Sirs,，,In reply to your letter of September 24 regarding insurance,Your customers request for insurance coverage up to the inland city is acceptable On condition that such extra premium is for his account,We cannot grant you insurance coverage for 130%of the invoice value,because the contract stipulates that insurance is to be covered for 110%of invoice value.,We trust the above information serves your purpose.Mean-while we await your reply.,Yours faithfully,New Words and Expressions,compensation,k,mpen,sei,n,n,.,补偿，弥补；,suffer from,遭遇,indemnity,indemniti,n,.1.(,损害、伤害等的,),保障,U,2.,赔偿金，补偿金,insurance policy,保险单,premium,pr,i,:mim,n,.1.C.,奖品；额外补贴,sacrifice,s,k,rifais,n,.,牺牲、牺牲的行为,vt,.,牺牲、献出,(+for),hull hl,n,.C,船身、船壳,distinct distikt,a,.,与其他不同的,according to,按照,PICC(Peoples Insurance Company of China),中国人民保险公司,insurance value(or insurance amount),保险金额,Ocean Marine Cargo Clauses,海洋运输货物保险条款,insurance premium pri:mim,保险费,percentage psentid,n,.,百分比,Institute Cargo Clauses(ICC),协会货物保险条款,effect insurance(or cover insurance),投保,insurer inr,n,.,保险人,accordingly,ad,.,照办，因此,coverage kvrid,n,.,险别,in regard to,关于,serve ones purpose,满足要求,7,On good terms with sb,与某人关系良好,8,underwriter,n,保险商,underwrite,v,保险,9,handsome,a,.,相当大的、可观的,10,premium,n,保,(,险,),费；较高价格,11,rebate,n,回扣,12,cover,n,(,保险业,),保险；,v,保险，投保,13,delete,v,.,删除,14,Franchise,n,免赔率,(,额,),；特权、特许,15,on condition that,如果、在,条件下、以,为条件,17,endorsement,n,背书；赞同；保险批单,18,lay in,贮藏,Useful Expressions on Insurance,1,The underwriters are responsible for the claim as far as it is within the scope of cover.,只要是在保险责任范围内，保险公司就应负责赔偿。,2,The loss in question was beyond the coverage granted by us.,损失不包括在我方承保的范围内。,3,The extent of insurance is stipulated in the basic policy form and in the,various,risk clause.,保险的范围写在基本保险单和各种险别的条款里。,4,We shall effect Insurance on the name of the cargo for US$against All Risks with the PICC.,我们将该批价值,美元之货物向中国人民保险公司投保综合险。,5,Please insure the name of cargo.against All Risks at the rate of 0.05%with the PICC.,请向中国人民保险公司以,0,05,费率为该批货投保综合险。,6,What types of cover does your insu-rance company usually underwrite?,贵保险公司一般承保哪些险别,?,9,The cover should be limited to sixty days upon discharging of the insured goods from the sea going vessel at the final port of discharge.,被保险货物在卸货港卸离海轮后，保险责任以,60,天为限。,10,For the cover of All Risks,the in,-,surance company shall be liable for total or partial loss on land or sea of the in,-,sured goods within the period covered by the insurance.,对投保“综合险”，投保货物在承保期内不论在海上还是陆上遭受的全部或部分损失均由保险公司负担。,11,We generally insure WPA on CIF basis.Special risks such as TPND Lea,-,kage,Breakage,Freshwater,Oil,Grease etc.can also be covered upon request.,按到岸价条款之交易，我们一般保水渍险。其他特殊险别，如偷窃、提货不着险、渗漏险、破碎险、淡水险、油渍险，可根据要求另保。,13,The difference between WPA and FPA is that the WPA covers more risks than the FPA.,水渍险与平安险不同之处在于，前者的保险面较后者的宽。,14,The“Warehouse to Warehouse”Clause is commonly used in international insurance.,仓对仓条款为国际保险业所惯用的责任条款。,17,Would you please insure against All Risks?,贵方愿意投保综合险吗,?,18,Please insure/cover the goods with Particular Average.,该批货物请投保水渍险。,19,We shall provide such insurance/,coverage at your cost.,我们将投保这种险别，费用由贵方负担。,20,We will effect insurance against All Risks,as required,charging premium and freight to the consignees.,我们将按要求投保综合险，保险费与运费将向收货人索取。,21,As usual,the goods have been in-sured on WA terms.,该批货物已按惯例投保了水渍险。,22,Premium will be added to invoice amount together with freight charges.,保险费连同运费合并在发票金额内。,23,The shipment should be covered for 150%of invoice value against All Risks.We know that according to your usual practice,you insure the goods only 10%above invoice value,therefore the extra premium will be for our account.,该批货物必须按发票价值的,150%,投保综合险，我方知道，按惯例，贵方只按发票价另加,10%,投保，因此，额外保险费用由我方负责。,24,We generally insure our export ship-ment with the Peoples Insurance Com-pany of China.,我们通常为出口货物向中国人民保险公司投保。,25,Please quote your lowest FPA rate on general merchandise valued at about US$2 000 from Manila to Jiangmen.,请报送价值约,2 000,美元之一般商品由马尼拉运到江门投保平安险之最低费率。,26,As requested,we have effected in-surance of US$2 500+10%over invoice value on the name of goods.shipped by M.S.“Pearl River”from Huangpu to Seattle USA.,遵嘱，我们已为由“珠江”轮从黄埔港运到西雅图之货物名称，按发票金额为,2 500,美元加,10%,买了保险。,27,We have effected insurance with PICC for US$6 000 on 1 000 pairs of Leather Sandals on AAR Terms at 1.5%including TPND.,我们已向中国人民保险公司为价值,6 000,美元的,1 000,双皮凉鞋按,1.5%,费率投保了一切险，包括偷窃及提货不到险。,