Chapter 10 Insurance

DifferentInsuranceClausesDifferentwaysofexpressingtheinsuredamountThreebasicRisksOtherAdditionalRisksInsurancePolicy/CertificateOpenPolicyCoverageChapterNineInsuranceMain&DifficultPointsE-mail:[e-mail]averagecovercoverageopenpolicypremiumSampleLettersLetter1TakingoutanopenpolicyLanguagePoints1.openpolicy预约保单，船名未确定保单2.theLloydInsuranceCompany劳埃德保险公司theparticularsofthefulldetailsof…的全部细节；…的详细情况3.theparticulars细节；详细情况4.intestinecasingn.肠衣effectanopenpolicywith与…洽办预约保单十七、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。LanguagePointsinsurer保险人；保险商insurancecompany保险公司underwriter保险商theinsured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proposalform投保申请单5.underwritersn.保险人；保险商6.handsomeadj.相当大的；可观的ahandsomesumof一笔可观的金额alargeamountof一笔可观的金额LanguagePoints1)保险费是根据投保险别的保险费率计算的。Thepremiumiscalculatedaccordingtothepremiumrateorratesforriskstobecovered.3)Insuranceofthegoodsistobecoveredbyusfor110%oftheCIFvalue,andanyextrapremiumforadditionalinsurance,ifrequired,shallbebornebythebuyers.premiumrebate保险费回扣premiumtariff保险费率表extrapremium额外保险费2)此种险别的保险费率是百分之一。Thisriskiscoverableatapremiumof1%.7.premiumn.保险费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。8.rebaten.回扣LanguagePoints9.regardingprep.关于1)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。Weareenclosingthelatestexportlistregardingthemainitemsavailableatpresent.10.coveragen.承保范围；险别总称insurancecoverage保险范围我方按发票金额的110%投保仅至目的港。1)Ourinsurancecoverageisfor110%ofinvoicevalueuptotheportofdestinationonly.2)KindlynotethattheinsurancecoversFPAandWarRisksonly.Shouldadditionalinsurancecoverageberequired,theextrapremiumincurredwouldbeforthebuyers’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。11.ThePeople’sInsuranceCompanyofChina中国人民保险公司缩写：PICCLanguagePoints12.ThreeBasisRisks：1.FPA（FreeFromParticularAverage）平安险2.WPA（WithParticularAverage）水渍险3.AllRisks综合险；一切险13.OtherAdditionalRisks：Theft,Pilferage&Non-DeliveryRisks(T.P.N.D)偷窃提货不着险Freshand/orRainWaterDamageRisks淡水雨淋险ShortageRisk=RiskofShortage短量险Intermixture&ContaminationRisks混杂，沾污险LeakageRisk=RiskofLeakage渗漏险Clash&BreakageRisks碰损，破碎险TaintofOdorRisk串味险Sweating&Heating受潮受热险HookDamageRisk钩损险RustRisk=RiskofRust锈损险BreakageofPackingRisk包装破损险WarRisk战争险Strikes,RiotsandCivilCommotions(S.R.C.C.)罢工，暴动，民变险LanguagePointsPartialloss部分损失Particularaverage单独海损Generalaverage共同海损Totalloss全部损失Actualtotalloss实际全损Constructivetotalloss推算全损ChineseversionofLetter1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，SampleLettersLetter2EffectinginsuranceforthebuyerLanguagePoints1.insurancen.保险insuranceclause保险条款insuranceamount保险额insuranceclaim保险索赔insurancecoverage保险范围insurancepolicy保险单,俗称大保单，正规保单insurancepremium保险费insurancecertificate保险凭证,俗称小保单insuranceagent保险代理人insurancebroker保险代理人；保险经纪人insurancedeclaration保险声明书；保险通知书insuranceendorsement保险批单airtransportationinsurance航运运输保险marineinsurance海运险；水险；海上保险oceanmarinecargoinsurance海洋运输货物保险overlandtransportationinsurance陆上运输保险parcelpostinsurance邮包保险投保；办理保险的表达法LanguagePointstoarrangeinsurance…onthegoodsagainst…riskfor110%ofinvoicevaluewiththeinsurer与保险商就…货物按发票金额的百分之十投保…险toeffectinsurance…toprovideinsurance…totakeoutinsurance…tocoverinsurance…insurev.保险toinsurethegoodsagainstarisktoinsurearisktoinsureagainstarisktheinsured被保险人insuredamount保额insuredcargo投保货物insuredgoods投保货物LanguagePointsRelativeExpressions1)请投保一切险。Pleaseinsureagainstallrisk.2)请投保平安险。PleaseinsureFPA.3)我们已给这些货物投保水渍险。WehaveinsuredthegoodsWPA.4)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。Wenotedthatyouwishtoinsureshipmenttoyoufor10%aboveinvoicevalue，whichishavingourdueattention.5)我们将为你方所订货物投保偷窃、提货不着险。LanguagePointsWeshallcoverTPNDonyourorder.6)你方货物适合投保水渍险和破碎险。W.P.A.plusRiskofBreakagesuityourconsignment.7)WeprefersellingonCIFbasisbutforthistransactionwewouldlikeyoutoeffectinsuranceonyourside.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。8)请投保一切险，因为水渍险范围太窄。PleaseinsureagainstAllRisksasW.P.A.istoonarrowacoverage.2.forone’saccount由…支付LanguagePointsforone’saccounttobebornebytoberesponsible1)额外运费由买方负担。Theextrafreightistobeforbuyer’saccount.2)这批货物是我们代我分公司购买的。Weboughtthegoodsfortheaccountofourbranchoffice.3)按常规，额外保险费应由买方负责。Asarule,theextrapremiuminvolvedwillbeforbuyer’saccount.3.coverv.n.保险LanguagePointscoveragen.承保范围；险别总称insurancecoverage保险范围tocoverinsurance办理保险toholdsthcovered办理保险degreeofcover保险范围extentpfcover保险范围1)我们已办理了必要的保险。Wehavearrangedthenecessaryinsurancecover.2)保险将由买方办理。Insuranceistobecoveredbythebuyers.3)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.coverageistoonarrowforashipmentofthisnature.PleaseextendthecoveragetoincludeTPND.除了水渍险和战争险外，你们还保其它险吗？LanguagePoints4)DoyoucoverrisksotherthanW.P.A.andWarRisk?5)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。ForFOBandC&Fsales,insuranceistobecoveredbybuyers.4.accordinglyadv.相应地；按照…办理1)Assoonaswereceivetheaboveconsignmentweshallbeinapositiontoassessourr