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外贸英语保险(续)Insurance（四）F.P.A.standsforFreefromParticularAverage.FPA代表平安险。W.P.A.standsforWithParticularAverage.WPA代表水渍险。I'llhavethegoodscoveredagainstFreefromParticularAverage.我将为货物投保平安险。IknowthatF.P.Ainsurancedoesn'tcoverlossesonconsumergoods.我知道平安险不包括消费品的种种损失。Idon'tthinkthattheW.P.AinsurancecoversmorerisksthantheF.P.A..我认为水渍险承保的范围并不比平安险的范围宽。FreefromParticularAverageisgoodenough.只保平安险就可以了。ThegoodsaretobeinsuredF.P.A.这批货需投保平安险。Whatyou'vecoveredisLeakage.你所投保的是渗漏险。Whydon'tyouwishtocoverRiskofBreakage?您为什么不想投保破碎险呢？W.P.Acoverageistoonarrowforashipmentofthisnature,pleaseextendthecoveragetoincludeTPND.针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不成险。Don'tyouwishtoarrangeforW.P.A.andadditionalcoverageagainstRiskofBreakage?您不想保水渍险和附加破碎险吗？Noteverybreakageisaparticularaverage.并不是所有的破碎险都属于单独海损。ThecoverageisW.P.A.plusRiskofBreakage.投保的险别为水渍险加破碎险。Well,obviouslyyouwon'twantAllRiskscover.显然，你不想保综合险。AnAllRiskspolicycoverseverysortofhazard,doesn'tit?一份综合险保单保所有的险，是吗？We'dlike?tocovertheporcelainwareagainstAllRisks.我们想为这批瓷器投保综合险。PleaseinsuretheshipmentforRMB5,000againstAllRisks.请将这批货物投保综合险人民币5000元。We'vecoverinsuranceonthesegoodsfor10%abovetheinvoicevalueagainstAllRisks.我们已经将这些货物按发票金额加百分之十投保综合险。AnF.P.A.policyonlycoversyouagainsttotallossinthecaseofminorperils.平安险只有在发生较小危险时才给保全部损失险。TheF.P.A.doesn'tcoverpartiallossofthenatureofparticularaverage.平安险不包括单独海损性质的部分损失。AW.P.A.orW.A.policycoversyouagainstpartiallossinallcases.水渍险在任何情况下都给保部分损失险。You'llcoverSRCCrisks,won'tyou?你们要保罢工、暴动、民变险，是吗？Asourusualpractice,insurancecoversbasicrisksonly,at110percentoftheinvoicevalue.Ifcoverageagainstotherrisksisrequired,suchasbreakage,leakage,TPND,hookandcontaminationdamages,theextrapremiuminvolvedwouldbeforthebuyer'saccount.按照我们的惯例，只保基本险，按发票金额110%投保。如果要加保其它险别，例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等，额外保险费由买方负担。WordsandPhrasesinsurancefreeof(from)particularaverage(FPA).平安险（单独海损不赔）insurancewithparticularaverage(WPA),basicrisks.insuranceagainstallrisks.综合险，应保一切险riskofbreakage破碎险riskofclashing碰损险riskofrust生锈险riskofhookdamage钩损险riskofcontamination(tainting)污染险insuranceagainsttotallossonly(TLO)全损险riskofdeterioration变质险riskofpackingbreakage包装破裂险riskofinherentvice内在缺陷险riskofnormalloss(naturalloss)?途耗或自然损耗险riskofspontaneouscombustion自然险riskofcontingentimportduty进口关税险insuranceagainstwarrisk战争险AirTransportationCargoWarRisk航空运输战争险overlandTransportationInsuranceWarRisk陆上运输战争险insuranceagainststrike,riotandcivilcommotion(SRCC)罢工，暴动，民变险insuranceagainstextraneousrisks,insuranceagainstadditionalrisks附加险riskoftheft,pilferageandnondelivery(TRND)盗窃提货不着险riskoffreshand/ofrainwaterdamage(wetting)淡水雨淋险riskofleakage渗漏险riskofshortageinweight/quantity短量险riskofsweatingand/orheating受潮受热险riskofbadodour(changeofflavour)恶味险，变味险riskofmould发霉险ondeckrisk舱面险（五）Wecanserveyouwithabroadrangeofcoverageagainstallkinksofrisksforseatransport.我公司可以承保海洋运输的所有险别。Generallyspeaking,aviationinsuranceismuchcheaperthanmarineinsurance.空运保险一般要比海运保险便宜。Thenallmarinerisksmeanslessthanallrisks.那么，“一切海洋运输货物险”意味着比“一切险”范围小一些。Intheinsurancebusiness,thetermaveragesimplymeanslossinmostcases.在保险业中“average”一词一般是“海损”的意思。Arethereanyotherclausesinmarinepolicies?海运险还包括其它条款吗？Breakageisaparticularaverage,isn'tit?破碎险属于一种单独海损，对吗？theriskofbreakageiscoveredbymarineinsurance,isn'tit?破碎险是包括在海洋运输货物险之内的，对吗？TheEnglishunderstoodbymarinerisksonlyrisksincidenttotransportbysea.英国人对“海洋运输货物险”只理解为海洋中的意外风险。Generally,thetermallmarinerisksisliabletobemisinterpretedanditsuseshouldbeavoidedinL/C.一般地，“一切海洋运输货物险”容易被误解，应该避免在信用证中使用。WordsandPhrasesoceanmarinecargoinsuranceclauses海洋运输货物保险条款transportationinsurance运输保险parcelpostinsurance邮包运输保险overlandtransportationinsurance,landtransitinsurance陆上运输保险insuranceagainstairrisk,airtransportationinsurance航空运输保险oceanmarinecargoinsurance,marineinsurance水险（海运货物保险）AllRisks一切险average海损ParticularAverage(P.A)单独海损GeneralAverage(G.A)共同海损MarineLosses海损partialloss部分损失totalloss全部损失（六）PleasetellmewhetherIneedtopurchaseaforeignstudentpolicy.告诉我是否我需要购买外国学生保险。I'dliketoknowwhetherbasichealthinsurancecoverageshouldincludebenefitsforoutpatient,hospital,surgeryandmedicalexpenses.我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。WillyoupleasetellmewhereIcanpurchasehealthinsurance?请告诉我在何处能买到健康保险？Healthinsuranceismerelyameanbywhichpeoplepoolmoneytoguardagainstthesuddeneconomicconsequencesofsicknessorinjury.健康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。Majormedicalinsurancepoliciesaredesignedtohelpoffsetheavymedicalexpensesthatcanresultfromaprolongedillnessorseriousinjury.“巨额医药费保险”旨在协助减轻久病及重伤所造成的重大医药开支。Ifthebenefitsprovidedunderacertainpolicyhaveadollarlimitationforeachservice,youshoulddeterminewhethertheselimitationsarerealistic.如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。WordsandPhraseshealthinsurance疾病保险，健康保险sicknessinsurance疾病保险insuranceformedicalcare医疗保险majormedicalinsurancepolicy巨额医药费保险insuranceduringaperiodofillness疾病保险lifeinsurance人寿保险endowmentinsurance养老保险insuranceonlastsurvivor长寿保险topurchasehealthinsurance购买健康保险tohaveahealthinsurancepolicy购买健康保险AdditionalWordsandPhrasespolicy-holder保险客户extrapremium额外保险费additionalpremium附加保险费insurancelaw保险法insuranceact保险条例insuranceindustry?保险业insurancediv