国际商务英语函电Unit 11 Insurance

Chapter12InsuranceQuestions1.Howmuchdoyouknowaboutinsurance?2.Whyisitnecessarytocoverinsuranceintheforeigntrade?3.Whatdoinsurancecompaniesdowiththepremiumcollectedfromtheinsured?lifeinsurancePersonalinsurancehealthinsurance(人身保险)personalaccidentinsurancemarineinsurancePropertyinsurancecargotransportationinsurance（财产保险）andothersIninternationaltrade,thetransportationofgoodsfromthesellertothebuyerisgenerallyoveralongdistancebyair,bylandorbyseaandhastogothroughtheproceduresofloading,unloadingandstoring.Duringthisprocessitisquitepossiblethatthegoodswillencountervariouskindsofperilsandsometimessufferlosses.Inordertoprotectthegoodsagainstpossiblelossincaseofsuchperils,thebuyerorsellerbeforethetransportationofthegoodsusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodsintransit.Insurancepremiumprovidesapoolorfundintowhichthemanycontributeandoutofwhichthefewwhosufferlossarecompensated.TermsInsurer/underwriter:保险人/承保人Theinsured/assured:被保险人Theapplicant:投保人Premium保险费Premiumrate保险费率Insurancepolicy保险单Coverage:险别Average:海损PICC:中国人民保险公司一、保险常识1、货物运输保险定义是指投保人（Insured）在货物装运前向保险人（Insurer）投保，即办理保险手续（InsuranceFormalities）、选择保险险别（Coverage）、确定保险金额（InsuranceAmount）、支付保险费（Premium）并领取保险单证（InsuranceDocuments）的过程。此后，如果投保货物在运输中遇险而发生损失，则承保人应负责对投保险别范围内的损失进行经济补偿。2、保险险别中国人民保险公司（PICC）制定的中国保险条款（ChinaInsuranceClauses略称C.I.C.）中的海洋运输货物保险条款平安险（FreefromParticularAverage，FPA）基本险别水渍险（WithParticularAverage，WPA）一切险（AllRisks）一般附加险附加险别特殊附加险（WarRisks）3、保险金额1）FOB和CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。2）CIF交易，习惯上由出口方按发票金额（InvoiceValue）的110%投保一切险（AllRisks），即100%是CIF发票总值，10%是合理的利润和其他费用。4、保险费premium通常为保险金额的一定比例。保险费=保险金额×保险费率RisksCoveredbyMarineCargoInsurancePerilsoftheSea海上风险1)NaturalCalamities（自然灾害）earthquake,tsunami,flood,heavyweathersuchashurricane,thunderstorm,etc.2)FortuitousAccidents（意外事故）Stranding触礁，grounding搁浅,sunk,collision,fire,explosionExtraneousRisks外来风险1)GeneralAdditionalRiskstheft,pilferage,raindamage,shortage,breakage,leakage,etc.2)Special＆SpecificAdditionalRisksstrike,war,failuretodeliver,etc.Losses1.LossesduetoMarinePerils海上损失actualtotalloss（实际全损）totallossconstructivetotalloss（推定全损）generalaverage（共同海损）partiallossparticularaverage（单独海损）2.LossesduetoExtraneousRisks外来损失Actualtotalloss:itmeansthenon-existenceoftheinsuredcargoinvalue.Constructivetotalloss:it’sunlikelytorecoverthesubjectmatterorthecostofrecoverywillexceedthevalueofthesubjectmatter.Particularaverage:itmeansalossthatisbornesolelybytheownerofthelostproperty(shiporcargo).Generalaverage:itmeansasacrificemadeforthecommonsafetyofboththecargoandtheship.ExamplePartialdamageofcargobyseawateris,forinstance,aparticularaverage,whilepartialdamageofcargobywaterthathasbeenusedtoputoutafireisageneralaveragesincethedamagehasbeenmadeinordertosaveboththeshipandthecargoonboardtheshipofallthecargoowners.(ofcourse,thedamagecausedbythefireisstillaparticularaverage)ThreeBasicCoveragesF.P.A.:平安险W.P.A.:水渍险AllRisks:一切险Note:AllRisks＞W.P.A.＞F.P.A.F.P.A.平安险FreefromParticularAverage(F.P.A.):(Literalmeaning:notliableforparticularaverage)Extentofcoverage:payclaimsfortotallossandpartiallosscausedbyfortuitous(意外的)accidentssuchasstranding(触礁),grounding(搁浅),collison(碰撞),sinking,fire,explosion,etc.Itdoesn’tpaypartiallosscausedbynaturalcalamities.W.A./W.P.A.水渍险WithAverage/WithParticularAverage:Itprovidescoveragainsttotallossandpartiallossduetoperilsofthesea.AllRisks一切险BesidestheriskscoveredbyFPAandWA,AllRisksalsoprovidescoveragainstsomeextraneousrisksoflossordamage(esp,generaladditionalrisk).Coverage:AllRisks=FPA+WPA+GeneralAdditionalRiskExtraneousRisksGeneralAdditionalRisks:一般附加险Special＆SpecificAdditionalRisks:特别和特殊附加险GeneralAdditionalRisksT.P.N.D.(threft,pilferageandnon-delivery)偷窃，提货不着险F.W.R.D.(freshwaterand/orraindamage)淡水雨淋险Shortage:短量险IntermixtureandContamination混杂，玷污险Leakage渗漏Clash＆breakage碰损，破碎险Taintofodour串味险Heating＆sweating受热，受潮险Hookdamage钩损险Breakageofpacking包装破裂险Rust锈损险Special＆SpecificAdditionalRisksFailuretoDelivery交货不到险ImportDuty进口关税险OnDeck舱面险Rejection拒收险Aflatoxin黄曲霉素险WarRisks战争险StrikeRisks罢工险onatagainstwithfor1.I’dliketotalksomethingabouttheinsuranceonourporcelainware.2.Pleasenotethatourinsurancecoverageisfor110%oftheinvoicevalue.3.HowaboutyourcoveringtheinsuranceagainstAllRisksfor120%oftheinvoicevaluewithPICC?4.Theinsurancerateisatapremiumrateof5%.insuranceAtagainstOnfor1.WewillcoverthegoodsagainstAllRisks.2.WewouldliketocoverW.P.A.onthecargo.3.Wewillcoverinsuranceonyourgoodsfor110%oftheinvoicevalueagainstAllRisksasusual.4.Wecanprovidesuchcoverageataslightlyhigherpremium.coverExample我们已经按0.2%的保险费率和发票金额的110%投保1000箱青岛啤酒的一切险。We’vecoveredinsuranceon1000casesofQingdaoBeerfor110%oftheinvoicevalueagainstAllRisksatapremiumrateof0.2%.CalculationofPremiumPremium=invoicevalue×110%×premiumratee.g.insurebicyclesagainstW.P.A.for110%oftheinvoicevalueTotalvalue:$100,000premiumrate:0.2%premium=￥220二、进口方写给出口方请其代办保险的信函的表达方式写作步骤表达方式（1）说明某合同项下来函Wewishtoreferyouto…（请参阅……。）Wearepleasedtoinformyouthat…（很高兴告知……。）（2）说明所投保的险别，确定投保的金额Pleaseseetoitthattheinsuranceiscoveredfor…