Unit|SixUnit|SixSharingtheLoss高等教育出版社高等教育电子音像出版社Unit|SixUnitGoals:WhatYouShouldLearntoDo1.Introduceinsurance:typesofinsurance/usualabbreviationsininsurance2.Discussinsurancebusiness3.Recommendinsurancetoeachother4.Fillinaninsurancepolicy5.WriteanoutlineWhatYouShouldKnowAbout1.Howinsurancehelpsuswhileweareintrouble2.Whatpossibleproblemswemightmeetininsurance3.CorrespondenceaboutinsuranceUnit|SixContentsSectionⅤAppreciatingCultureTipsSectionⅣMaintainingaSharpEyeSectionⅠTalkingFacetoFaceSectionⅡBeingAllEarsSectionⅢTryingYourHandUnit|SixSectionⅠTalkingFacetoFaceTalkingFollowtheSamplesIntroductionActOutBusinessCommunicationPutinUseUnit|SixAsevidenceofacontractbetweentheinsurerandtheinsured,aninsurancepolicyisabasicdocumentdescribingtheterms,coverage,andpremiums.Nowtrytounderstandtheinsurancepolicywiththehelpofyourteacher.IntroductionUnit|SixIntroductionUnit|SixBackUnit|SixMr.Baker:Nowyou’vequotedaCIFShanghaipriceformyorder.Whatkindofpolicyareyougoingtotakeout?Mr.Lee:Well,obviouslyyouwon’twanttheAllRiskscover?Mr.Baker:Whynot?Mr.Lee:BecausetheusualcoverageforyourorderisFPA.Mr.Baker:ThenamIrightinunderstandingthatFPAdoesnotcoverthepartialloss?Mr.Lee:That’sright.Sinceyourconsignmentissteelplates,anFPAisgoodenough.Mr.Baker:ButwhatifIwantthemtobecoveredwithWPA?Mr.Lee:Youhavetopaytheextrapremium.Mr.Baker:Well,I’llacceptFPA.FollowtheSamples1TypeofInsuranceSuggestedUnit|SixMr.Brown:WhatcoveragewillyoutakeoutforthegoodsI’veordered?Ms.Zhang:DidweconcludethebusinessonaCIFbasis?Mr.Brown:Yes,that’sright.Ms.Zhang:Thenwe’llonlyinsureWPA.Mr.Brown:Couldyoucovertheriskofbreakageforus?Youknow,vasesaredelicategoods.Ms.Zhang:Riskofbreakageisclassifiedunderextraneousrisks.Butifitisrequested,wecancovertheriskofbreakageforyou.Mr.Brown:Whowillpaythepremiumforit?Ms.Zhang:Theadditionalpremiumisforthebuyer’saccount.That’sforyouraccount.Mr.Brown:Isee.Pleasearrangeit.2CoverageofRiskofBreakageBackUnit|SixActOutHereisagroupofshortdialogues.Followtheexamplesandmakemoreconversationswithyourpartner.Unit|SixUnit|SixBackUnit|SixMr.Wilson,anadministrativemanagerofHarper&Grant,isdiscussingwithMr.Scott,aninsurancesurveyor,thecompany’sclaimforalorryaccident.Mr.Scott:MynameisJohnScott,asurveyorfromBrown&JohnsonInsuranceAdjusters.1____________________________________________________________________________.(告诉他你是被委派来核查卡车所运货物的损失的。)Mr.Wilson:Ah,howdoyoudo?MynameisRobertWilson.IamthemanagerofadministrativeaffairsforHarper&Grant.Mr.Scott:Howdoyoudo,Mr.Scott?2______________________________________________?(证实一下是他们公司提出索赔的。)Mr.Wilson:That’sright.Whataboutyoursurvey?Mr.Scott:Idon’tthinkthesefilingcabinetsaretoobadlydamaged.Ithinkitshouldbepossibletosalvagealot.And3__________________________________.(告诉他你认为这些桌子可以重新油漆。)PutinUse1CompletetheconversationbytranslatingtheChineseintoEnglish.IthinkthesedeskscouldberepaintedI’vebeenaskedtocometoinvestigatethedamagetotheloadwhichthislorrywascarryingIt’syourfirmthat/whoismakingtheclaim.AmIrightUnit|SixMr.Wilson:Oh,Idon’tthinkso,Mr.Scott.Lookatthesedesks.Theyarecompletewrite-offs(报废物).4_____________________________.(告诉他这些桌子根本无法修理。)Mr.Scott:Well,IthinkImightrecommendpaymentof75%oftheinsuredvalue.Mr.Wilson:ButIreallydon’tfeelIcangivemyapprovaltothat.Lookatthesecabinets,please!5________________________________________,(说它们一定在水中泡了一些时间。)andthismayreducethevaluealot.Ithinkpaymentshouldbe80%oftheinsuredvalue.Mr.Scott:Soundsreasonable.Thisisthecertifiedsurveyreport.6____________________________________________________________________________________.(通知该公司要在14天内以这份检验报告和他们的保险单提出正式索赔。)Mr.Wilson:Thankyou.Yourcompanyshouldfileaformalclaimwiththisreportandyourpolicywithin14daysWe’llneverbeabletorepairthemTheymusthavebeenunderwaterforsometimeUnit|SixMr.Brown:ThistimeIwanttobuyontheCIFNewYorkbasis.Ithinkitissimplertohavetheinsurancecoveredbyyou.1_____________________________________.(这可省去我们许多麻烦和时间。)You:Oh,yes.Actually,itisalsoinourinteresttoinsurethegoodsourselves.Besides,ourinsurerPICChasagenciesinallbigcitiesaroundtheworld.Itcanoffergoodservices.Mr.Brown:2_________________________________?(你们投保水渍险和战争险是吗?)You:Well,Mr.Brown,wecoverallbasicrisksasrequiredaslongastheyarestipulatedintheOceanMarineCargoClausesofPICC.2SupposeyouaretherepresentativeofaChinesecompany.YouaretalkingwithJohnBrown,anAmericanbusinessman,aboutinsurance.YourpartnerwillplaytheroleofJohnBrown.CompletethedialoguebytranslatingtheChineseintoEnglish.YoucoverWPAandWarRisks,don’tyouThatwouldsaveusalotoftroubleandtimeUnit|SixMr.Brown:Then3_________________________________________?(除水渍险和战争险外,你们还投保其他险吗?)Suchas,riskofleakage,riskofbreakageandsoon?You:Notunlessyouwantto,buttheextrapremiumsinvolvedwillbeforthebuyer’saccount.Mr.Brown:Oh,4_____________________________________.(那就别麻烦了,我只是问问而已。)Anotherthing,I’dliketohavetheinsuranceofthegoodscoveredat130%oftheinvoicevalue.Doyouthinkthatcanbedone?You:Ithinkso,butpleasenotethatourinsurancecoverageisfor110%oftheinvoicevalue,notfor130%.5___________________________________________________________________________________.(因此发票金额130%和110%之间的差额的保