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Chapter Nine Insurance

Chapter Nine Insurance. Main & Difficult Points. Different Insurance Clauses Different ways of expressing the insured amount Three basic Risks Other Additional Risks Insurance Policy/ Certificate Open Policy Coverage. Key Words. insurance risk average

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Chapter Nine Insurance

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  1. Chapter Nine Insurance • Main & Difficult Points • Different Insurance Clauses • Different ways of expressing the insured amount • Three basic Risks • Other Additional Risks • Insurance Policy/ Certificate • Open Policy • Coverage

  2. Key Words insurance risk average cover coverage open policy premium

  3. Sample Letters Letter 1 Taking out an open policy

  4. Language Points • open policy 预约保单 ，船名未确定保单 • effect an open policy with 与…洽办预约保单 the Lloyd Insurance Company 劳埃德保险公司 十七、八世纪末叶由爱得华．劳埃德创办的一家咖啡馆，后来逐步发展成为海上保险和航运业务的交易所。1871年以劳埃德公司的名义向政府注册，发展成为世界上最有影响的保险组织。它本身不承办保险业，其业务由参加该社取得会员资格的承保人办理。 • the particulars 细节；详细情况 • the particulars of • the full details of …的全部细节；…的详细情况 • intestine casing n. 肠衣

  5. Language Points insurer 保险人；保险商 insurance company 保险公司 underwriter 保险商 the insured 被保险人；投保人 insurant保险人；投保人 assured 被保险人；投保人 applicant 投保申请人 proposer 投保申请人 proposal form 投保申请单 underwriters n. 保险人；保险商 • handsome adj. 相当大的；可观的 • a handsome sum of 一笔可观的金额 • a large amount of 一笔可观的金额

  6. Language Points 保险费是根据投保险别的保险费率计算的。 • premium n. 保险费 • premium rebate 保险费回扣 • premium tariff 保险费率表 • extra premium 额外保险费 The premium is calculated according to the premium rate or rates for risks to be covered. • 此种险别的保险费率是百分之一。 This risk is coverable at a premium of 1%. • Insurance of the goods is to be covered by us for 110% of the CIF value, and any extra premium for additional insurance, if required, shall be borne by the buyers. 货物的保险将由我方以CIF价的110%投保。如果要求投保附加险，额外保险费将由买方自理。

  7. rebate n. 回扣 Language Points • regarding prep. 关于 • 现随函附上我方目前可供应的、主要商品的最新出口清单一份。 We are enclosing the latest export list regarding the main items available at present. • coverage n. 承保范围；险别总称 • insurance coverage 保险范围 • Our insurance coverage is for 110% of invoice value up to the port of destination only. 我方按发票金额的110%投保仅至目的港。 • Kindly note that the insurance covers FPA and War Risks only. Should additional insurance coverage be required, the extra premium incurred would be for the buyers’ account. 请注意保险只包括平安险和战争险。如果要求投保附加险，所需额外保险费将由买方支付。

  8. The People’s Insurance Company of China 中国人民保险公司 缩写：PICC Language Points • Three Basis Risks： • FPA （Free From Particular Average） 平安险 • WPA （With Particular Average） 水渍险 • All Risks 综合险；一切险 • Other Additional Risks： • Theft, Pilferage & Non-Delivery Risks (T.P.N.D) 偷窃提货不着险 • Fresh and/or Rain Water Damage Risks 淡水雨淋险 • Shortage Risk = Risk of Shortage 短量险 • Intermixture & Contamination Risks 混杂，沾污险 • Leakage Risk = Risk of Leakage 渗漏险 • Clash & Breakage Risks 碰损，破碎险

  9. Taint of Odor Risk 串味险 Sweating & Heating 受潮受热险 Hook Damage Risk 钩损险 Rust Risk = Risk of Rust 锈损险 Breakage of Packing Risk 包装破损险 War Risk 战争险 Strikes, Riots and Civil Commotions (S.R.C.C.) 罢工，暴动，民变险 Language Points • Partial loss 部分损失 • Particular average 单独海损 • General average 共同海损 • Total loss 全部损失 • Actual total loss 实际全损 • Constructive total loss 推算全损

  10. Chinese version of Letter1 执事先生： 感谢你方七月十二日来函按CIF条件报来500公吨肠衣。然而很抱歉，我们宁愿你方按CFR条款给我方报价或报盘。 顺便告知，我方已向伦敦劳埃德保险公司办理了预约保险。货物一经装运，我们只需将这一细节通知他们即可。此外，我们和该公司关系良好。通常我们定期地从该保险商那里收到一笔可观的保险费回扣。 同时，如蒙提供有关中国人民保险公司承保范围的详细情况以供我方参考，将不胜感激。 谨呈，

  11. Sample Letters Letter 2 Effecting insurance for the buyer

  12. Language Points • insurance n. 保险 • insurance clause 保险条款 • insurance amount 保险额 • insurance claim 保险索赔 • insurance coverage 保险范围 • insurance policy 保险单,俗称大保单，正规保单 • insurance premium 保险费 • insurance certificate 保险凭证,俗称小保单 • insurance agent 保险代理人 • insurance broker 保险代理人；保险经纪人 • insurance declaration 保险声明书；保险通知书 • insurance endorsement 保险批单 • air transportation insurance 航运运输保险 • marine insurance 海运险；水险；海上保险 • ocean marine cargo insurance 海洋运输货物保险 • overland transportation insurance 陆上运输保险 • parcel post insurance 邮包保险

  13. 投保；办理保险的表达法 Language Points • to arrange insurance …on the goods against… risk for 110% of invoice value with the insurer 与保险商就…货物按发票金额的百分之十投保…险 • to effect insurance … • to provide insurance… • to take out insurance… • to cover insurance… • insure v. 保险 • to insure the goods against a risk • to insure a risk • to insure against a risk

  14. the insured 被保险人 insured amount 保额 insured cargo 投保货物 insured goods 投保货物 Language Points • Relative Expressions • 请投保一切险。 Please insure against all risk. • 请投保平安险。 Please insure FPA. • 我们已给这些货物投保水渍险。 We have insured the goods WPA. • 我们已注意到你方愿意按发票金额的10% 投保。我们正在洽办中。 We noted that you wish to insure shipment to you for 10% above invoice value，which is having our due attention.

  15. 我们将为你方所订货物投保偷窃、提货不着险。我们将为你方所订货物投保偷窃、提货不着险。 Language Points We shall cover TPND on your order. • 你方货物适合投保水渍险和破碎险。 W.P.A. plus Risk of Breakage suit your consignment. • We prefer selling on CIF basis but for this transaction we would like you to effect insurance on your side. 我们喜欢按CIF价格卖货，但对这笔交易我们希望由你方在你处投保。 • 请投保一切险，因为水渍险范围太窄。 Please insure against All Risks as W.P.A. is too narrow a coverage.

  16. for one’s account 由…支付 Language Points • for one’s account • to be borne by • to be responsible • 额外运费由买方负担。 The extra freight is to be for buyer’s account. • 这批货物是我们代我分公司购买的。 We bought the goods for the account of our branch office. • 按常规，额外保险费应由买方负责。 As a rule, the extra premium involved will be for buyer’s account.

  17. cover v. n. 保险 Language Points • coverage n. 承保范围；险别总称 • insurance coverage 保险范围 • to cover insurance 办理保险 • to hold sth covered 办理保险 • degree of cover 保险范围 • extent pf cover 保险范围 • 我们已办理了必要的保险。 We have arranged the necessary insurance cover. • 保险将由买方办理。 Insurance is to be covered by the buyers. • 对这种性质的货物只投保水渍险是不够的，请加保偷窃提货不着险。 W.P.A. coverage is too narrow for a shipment of this nature. Please extend the coverage to include TPND.

  18. 除了水渍险和战争险外，你们还保其它险吗？ Language Points • Do you cover risks other than W.P.A. and War Risk? • 对离岸价格及成本加运费价格条件的卖货，保险由买方办理。 For FOB and C&F sales, insurance is to be covered by buyers. • accordingly adv. 相应地；按照…办理 • As soon as we receive the above consignment we shall be in a position to assess our requirements with greater accuracy and place an order accordingly. 一经收到上述货物，我们就能比较准确地决定我们的需求并提出相应的订货。 • debit note 借方通知；索款通知单 • debit an amount to one’s account 把一笔金额记入某人帐户的借方 • debit one’s account with an amount 把一笔金额记入某人帐户的借方 • His account with the Bank of China had been debited with the sum of $5 for half-yearly bank charges. 中国银行把一笔五美元的帐记入他的帐户的借方，作为半年的银行手续费。

  19. Chinese version of Letter 2 执事先生： 事由：你方第1023号订单订购的500箱玩具 你方七月二十三日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。 兹欣然通知你方：我们已与中国人民保险公司就上述货物投保了一切险，金额为9，800美元。保险单正在缮制中并将在本月底连同我方保险费索款通知单一并寄给你方。 顺便告知，我们正在安排将这500箱玩具装运到八月十二日起航的“太湖”轮上。 谨呈，

  20. Sample Letters Letter 3 Asking the recipient to cancel breakage risk

  21. Language Points Additional /extraneous risk 附加险 • breakage 破碎险 1) Risk of Breakage 破碎险 2) Risk of Breakage is classified under extraneous risks. 破碎险属于一般附加险。 3) We can cover the Risk of Breakage for you. 我们可以为你们加保破碎险。 • Insurance item 保险条款/项目

  22. Language Points • Franchise 特权；免赔率 To grant a franchise to. 赋予特权 A franchise of 3% . 免赔率3% • Survey v. 鉴定；检查；核实

  23. Chinese version of Letter 3 执事先生： 附加险：破碎险 我方刚刚收到你方有关蜡光磁砖的第123号信用证。 请注意第AD134号合同中的保险条款，我方对这种商品不投保破碎险。因此，请你方从信用证条款中删除“破碎险”字样。 此外，我们需指出的一点是诸如窗玻璃、瓷器之类的商品，即使已投保了破碎险，这种险别也有5%的免赔率。换言之，经调查核实，如果破碎率不足5%，则不予受理损失索赔。 我们相信情况已经明确，请立即电传修改信用证。 谨呈，

  24. Sample Letters Letter 4 Insurance company writes to insurer

  25. Language Points Inform sb. of sth. 告知某人某事 • Extraneous risk 附加险 • Rate=insurance rate=premium rate 保险费率 at the rate of 15% 保险费率为15% 4. irrespective adv. 不考虑、不顾及

  26. Language Points 5. in the absence of sth. 在没有…（的情况下）；在缺乏…（的情况下） • 在买方没有具体要求的情况下，我们一般投保水渍险和战争险。 We usually cover insurance W.P.A and against War Risks in the absence of the buyers’ detailed requirements. 6. definite instructions 明确指示

  27. Chinese version of Letter 4 执事先生： 你方6月18日来函收悉，现告知你方下列事宜： 破碎险 破碎险属于附加险。通常，这一险别的保险费率为4%。如果你方想为货物投保此险，我方愿意安排（办理保险）。 一切险 一切险是运输途中任何时间发生的一切损失。不管这些损失是发生在海上还是陆上。通常，在没有收到我方客户明确指示的情况下，我方投保水渍险和战争险。 保险金额 我方为你方由“王子”轮从大连运往曼谷的型号为TX-26的彩电办理预约保险，货物价值50万美元，投保一切险按报关价的120%投保。 相信上述信息对你方会有帮助并等待早日收到你方来信。 谨呈，

  28. Sample Letters Letter 5 Asking to cover insurance

  29. Language Points Cover v. 投保；保险 • At 6%=at the insurance rate of 6% 保险费率为6% • on sth. (the goods) 为……投保 4. Dock 码头 5. S.S. Abbreviation of Steamer Ship 蒸汽机轮船

  30. Language Points 6. Due to…... 预计……将…… 7. Be obliged to ……. 对……感激

  31. Chinese version of Letter 5 执事先生： 如你方为我方150项电动吹风机投保，投保金额为78，800美元费率为6%，我方将不胜感激。这批货现置于湛江第39号码头，等待装到“东风”轮上，该轮预计于5月10日驶向汉堡。 我方需要你方立即为货物投保至汉堡，并且，如果保险单一开出我方就能收到，将不胜感激。同时，请确认你方已将货物投保。 谨呈，

  32. Sample Letters Letter 6 Arranging insurance

  33. Language Points Insurance certificate 保险凭证 • As requested 应你方要求 As requested, we will inform you of the date of dispatch immediately upon completing shipment 按照你方要求，我们会在装运完成后立即将发货日期通知你方。 In compliance with your wishes (ie As you have requested) we have withdrawn our suggestion 遵照你的要求我们已将建议撤销. • Enclose herewith sth. 随函附上……

  34. 4. In duplicate 一式两份 type the document in duplicate 把这份文件打成一式两份 Enclosed is our price list in duplicate 随函附上我方报i价单一式两份。 5. Acknowledge v. 确认 acknowledge (the receipt of) a letter确认收到来信

  35. Chinese version of Letter 6 执事先生： 我方第565457号保险凭证 感谢你方4月20日来函。 应你方要求，现随函附上我方第565457号保险凭证，一式两份，该保险凭证按中国人民保险公司条款为上述货物投保一切险。货物已装上“东风”轮，该轮预计约在2006年5月10日从湛江驶往汉堡。 保险金额 我方为你方由“王子”轮从大连运往曼谷的型号为TX-26的彩电办理预约保险，货物价值50万美元，投保一切险按报关价的120%投保。 请确认收到本保险凭证。 谨呈，

  36. Skill Training Dear sirs, Re: Insurance In reply to your letter of April 20 regarding insurance, we would like to advise you of the following: Usually, it is our practice to cover the goods sold on CIF terms against All Risks for 110% of the invoice value in the absence of definite instructions from the customers. If you require broader coverage, we can also arrange for that on condition that the extra premium is for your account. Yours faithfully,

  37. Ⅱ.Complete the sentences with the appropriate words given below： cover， covered， covers， covering， coverage， insure， insurance， effected insure • Please against All Risks. covers • This insurance policy us against TPND. cover • We will WPA insurance. cover • The documents will be sent to you under separate . covered • We have to point out that our letter of March 11 has fully this matter. • We send you herewith a copy of B/L shipment of 50 metric tons Walnuts. covering

  38. We have pleasure in advising shipment of your Order No.2354 50 ________metric tons of Small Red Beans. covering • Insurance on the goods shall be by us for 110% of the CIF value. covered / effected • We shall provide such at your cost. coverage / insurance • Insurance is to be by the buyers under FOB terms. effected / covered • We have arranged the necessary cover. insurance • Regarding insurance, the is for 110% of invoice value up to the port of destination. coverage

  39. Ⅲ. Fill in the blanks with the appropriate words： • We regret our inability to with the buyer’s request for covering insurance for 150% of the invoice value, because our contract stipulated that the goods should be covered for 110% of invoice value. comply • Since the premium varies with the extent of , extra premium is for buyer’s account, should additional risks be . coverage covered • Should damage occur, you may put in a claim within 30 days after the arrival of the consignment. any • Regarding insurance, the coverage is 110% of invoice value up to the port of destination only. for • Buyer’s request for insurance to be covered up to the Island city can be accepted on condition that such extra premium is for account. Buyer’s • We regret being unable to agree to the buyer’s request as stated in the L/C stipulations for insurance to be covered up to the inland city because our price is on CIF Dubai. based

  40. Ⅳ. Translate the following sentences into English: • 根据你方要求，我们将按发票金额的110% 投保。 We shall cover insurance for 110% of the invoice value in accordance with your request. • 请给合同投保平安险和战争险。 Please insure FPA and against War Risk on the contract. • 我们将按一般惯例投保水渍险和战争险。 We shall cover WPA and against War Risk according to the usual practice. • 这份保单给我们保了破碎险。 The insurance policy covers us against Breakage. • 由于合同规定按发票金额的110%投保，如你方要求按130% 投保，额外保费应由你方负担。 As the contract stipulates that insurance should cover 110% of the invoice value, if you desire to cover insurance for 130% instead, the extra premium should be for your account.

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