保险insurance

Lesson16Insurance保险TEXTArmyourselfMainpointsMakeyourselfskilledTEXTArmyourselfMainpointsMakeyourselfskilledA.thepartyseekingcovercompletesaproposalform.B.theinsurancecompanyassessestheriskandfixesapremiumtobepaid.C.thepremiumispaidandcoverstarts.D.ifalossissuffered,theinsuredmakesaclaimforcompensation.E.theclaimisinvestigated,andiffoundtobevalidthecompensationispaid.DearMissLiaoThankyouverymuchforyourletterof16Julyinwhichyouinquiredaboutourinsurancecover.Ihaveenclosedleafletsexplainingourthreefully-comprehensivemarinepolicieswhichofferthesortofcoveryourequire,andIthinkthatpolicy1281wouldprobablysuityoubestasitoffersthewidestprotectionwithfullindemnification.Ifyouwish,Icouldgetoneofouragentstocallonyoutodiscussanydetailsthatmightnotbeclear.Ilookforwardtohearingfromyousoon.WewouldliketoinformyouthatanumberofpiecesofcrockeryweredamagedonourshipmenttoDollyEnterprisesLtd.,Singapore.TheconsignmentwasshippedcleanontheSSChangfengwhichleftShanghaiforSingaporeon16November,andyouhaveourdeclarationformNo.GCR11033429.Wehavealreadysentourcustomerreplacementsbutwouldlikeaclaimsformtocomplete.Thankyou.Yourssincerely,GLOBALINSURANCELTD.Iamsendingtheclaimsformyourequestedinyourfaxof23November200-andwewillconsiderthematteroncewehavefulldetails.IthinkIoughttopointoutthatthisisthefourthtimeyouhaveclaimedonashipment.ThoughIappreciatethatyourproductsarefragile,andthatineachcasethegoodshavebeenshippedclean,itwouldinyourinteresttoconsidernewmethodsofpacking.Iagreethattheclaimshavebeencomparativelysmall,butinfutureyouwillhavetoaskyourcustomerstoholdconsignmentsforourinspectiontodeterminethecauseofdamage.Ishouldalsomentionthatfurtherclaimsmayaffectyourpremiumwhenthepolicyisrenewed.DearMr.AiYourfaxofAugust9hasbeenreceivedwithmanythanks.ThequotationyoufaxedusisonCIFbasis.Asweareinaopencoveragreementwithourunderwriter,wepreferthatyousendusCFRquotations.However,wewillalsobeinterestedtoknowwhatbenefitswearelikelytogetifconsignmentsaretobecoveredatyourend.Wearelookingforwardtoyourearlyreply.DearMr.Yi10.ThankyouforyourfaxofAugust.AttachedisourCFRquotationforHandToolsandwearesureyouwillfindourpricesworkable.WeusuallyinsurethegoodssoldonCIFbasiswithourundertaker,thePeople’sInsuranceCompanyofChina(PICC)for110%ofthetotalinvoicevalueagainstAllRisksandWarRisksaspertheOceanMarineCargoClausesofthePICCofJanuary1,1981.ifahigherpercentageorbroadercoverageisrequired,theextrapremiumwillbeforbuyers’account.AstoinsurancewiththePeople’sInsuranceCompanyofChina,wewishtoinformyouthatthePICCisastate-ownedcompanyofChinawithagentsinpracticallyallthemajorcitiesandseaportsintheworld.Itisnotedforsettlingclaimspromptlyandequitablyandisthereforeoneoftheworld’sprestigiousleadinginsurers.Sofarasweknow,theratestheyquoteareamongthemostcompetitiveintheline.Forthedetails,pleaserefertothecopyofitsprospectuswearesendingyoubycourier.Ifyouhavefurtherquestions,pleaseletusknow.DearMissLiao,Re:150piecesTeasetsWithreferencetotheorderNo.894for150piecesTeasets.wehaveopenedthroughtheBankofChina,NewYork,confirmed,irrevocableL/CforUS$2900,validtillJuly20.ItisyourusualpracticetoinsurethegoodsagainstFPAforonly10%aboveinvoicevalue.Butowingtothespecialfeatureofourgoods,we’dliketohavethefragilegoodsinsuredagainstFPAandBreakagefor150%oftheinvoicevalueforthistransaction.Theextrapremiumwillbeforouraccount.Weshallbegratefulifyouwillarrangeinsuranceasrequestedandletushaveyourinformationassoonasthegoodsaredelivered.Yourssincerely,2.Armyourself1.insurancen.theact,businessorsystemofinsuring保险arrange,effect,provide,takeout,cover,attendtoinsurance投保，办理保险theinsurer保险人theinsured被保险人underwriter保险商保险公司insuranceagents保险代理人insuranceamount保险金额insurancebroker保险经纪人insurancecoverage保险范围v.insure给以保险,投保(后接货物或险别)insureon/against等介词常用的表达方式：insure…(货物)for…(金额)with…（保险公司）against…（险别）e.g.我们已与中国人民保险公司将100公吨羊毛按发票金额的110%投保一切险，保险费用为3%。We'vecoveredinsurancewithPeople'sInsuranceCompanyofChinaonthe100metrictonofwoolsfor110%oftheinvoicevalueagainstallrisksattherateof3%.2.allrisk两种最主要的保险条款，一个是ICC,英国伦敦保险协会制定的“协会货物保险条款”，另一个是CIC,即中国保险条款。该条款是由中国人民保险公司制订，中国人民银行及中国保险监督委员会审批颁布。根据C.I.C.保险条款，海洋保险基本险别有三种：即(1)freefromparticularaverage(F.P.A.)平安险。(2)withparticularaverage(W.A.)水渍险（基本险）。(3)allrisk一切险（综合险）。中国人民保险公司（PICC）承保的险别有：基本险别，即FPA(平安险),WPA(水渍险),AllRisks(一切险)和附加险。常见的一般附加险（generaladditionalrisk）和特殊附加险(specialadditionalrisk)有：generaladditionalrisk:Theft,Pilferage&Non-deliveryRisks(TPND)偷窃、提货不着险Freshand/orRainWaterDamageRisks淡水雨淋险ShortageRisk短量险Inter-mixture&ContaminationRisks混杂、玷污险LeakageRisk漏损险Clash&BreakageRisks碰损、破碎险TaintofOdorRisk串味险Sweating&HeatingRisks受潮受热险HookDamageRisk勾损险RustRisk锈损险BreakageofPackingRisk包装破裂险Specialadditionalrisks:Failuretodelivery交货不到险ImportDutyRisk进口关税险OnDeckRisk舱面险RejectionRisk拒收险Strike,riotandcivilcommotion(SRCC)罢工、暴动、民变险Contingencyinsurance“coversellersinterestonly”卖方利益险Aflatoxinrisk黄曲霉素险WarRisk.战争险3.coveragen.theextentofprotectionaffordedbyaninsurancepolicy保险范围，承保险别e.g.关于保险，是按发票金额的120%投保至目的港。Regardinginsurance,thecoverageisfor120%oftheinvoicevalueuptotheportofdestinationonly.v.cover投