外贸函电unit-12

Unit12Insurance保险大连理工大学电子音像出版社世纪商务英语外贸函电BasicKnowledgeConcernedLetter-writingGuideOtherCommonlyUsedExpressionsandSentencesSampleLettersPracticalTrainingPartOnePartTwoPartThreePartFourPartFiveContentsPartOneInsuranceisanessentialprocedureininternationaltrade.Theinsuredcanobtaintheguaranteefromtheinsurancecompany(theinsurer)togetcompensationofthecargodamagedorlostintransitatarelativelysmallcost,namelytheinsurancepremium.Almosteveryinternationaltransactionbyseagetsinvolvedininsurancebecausetherisksintheseavoyageareunexpectedandvaried.Thereforeitnowhasbecomethecommonsensethatinsuranceshouldbeboughtinaninternationaltransaction,eitherbytheexporterortheimporter.1.TheSignificanceofInsurancePartOneUsually,therearethreekindsofbasicriskspackage.TheyareFPA(FreefromParticularAverage),WA/WPA(WithParticularAverage)andAR(AllRisks).Theinsuredneedstochooseoneofthemtoinsureagainst.IntermsoftherangeofriskscoverageFPAisincludedinWA/WPA,andWA/WPAisincludedinAR.TherearealsoeleventypesofGeneralAdditionalRisk.Neitherofthemcanbeinsuredagainstalone.TheinsuredisallowedtoinsureagainstoneorseveralofthemonthebasisthathehasalreadychosenFPAorWPA.TheinsuredchoosingARdoesnotneedtoconsiderthemasARhasnaturallycoveredallofthem.TheeleventypesofGeneralAdditionalRiskare(1)Theft,PilferageandNon-Delivery(TPND);(2)FreshWater&/orRainDamage(FWRD);(3)RiskofShortage;(4)RiskofIntermixtureandContamination;(5)RiskofLeakage;(6)RiskofClash&Breakage;(7)RiskofOdour;(8)Heating&SweatingRisk;(9)HookDamageRisk;(10)RiskofRust;(11)BreakageofPackingRisk.OtherthantheaboverisksthereareanothereightkindsofSpecialAdditionalRisk,againstoneorseveralofwhichtheinsuredcaninsurethecargo.2.TheCoverageofInsurancePartOneIfthedamageorlossesoftheconsignment,whichhasbeeninsured,occurduringtheperiodoftransportationanddischargetheinsuredwillcertainlylodgeaclaimaskingforindemnityfromtheinsurer.Undersuchcircumstancestheinsurancepolicyofthecargobecomesanindispensabledocumenttobepresented.UnderCIFtermandunderpaymentmethodofLetterofCredit(L/C),aftershippingthegoodstheexporterwillgotothenegotiatingbankrequestingthepaymentoftheshippedcargobysubmittingseveralrequireddocuments,amongwhichtheinsurancepolicyisamusttogetherwiththeBillofLading(B/L),commercialinvoiceanddraftetc..3.TheRoleoftheInsurancePolicyPartTwoSteps/ContentsTypicalExpressionsForlettersfromtheimporterrequestingtheexportertoinsurethegoods1.Referringtowhichshipmentofgoodsistobeinsuredagainst.Wewouldliketoreferyoutothe…underorderNo.…(本函所提及的是……号订单项下的……货物。)WithregardtotheconsignmentundertheL/CNo.…(关于……号信用证所涉及的货物，……)ReferringtothecargounderS/CNo.…(至于……号销售确认书上的货)2.Statingtheriskscoveragetoinsureagainstandtheamountoftheinsuredvalue.Pleasehavethegoodsinsuredagainst…for…%oftheinvoicevalue.(请按发票金额的……%为货物投保……险。)Wouldyouliketoinsure,onbehalfofus,theconsignmentagainst…attheinvoicevalueplus…%?(贵方能否代我们以发票金额加成……%作为保险金额来为这批货投保……险？)PartTwoSteps/ContentsTypicalExpressionsPleaseseetoitthattheinsuredvalueforthisshipmentis130%ofinvoicevalue,amountingto…(请注意这批货物的投保金额是发票价值的130%，即为……)3.Clarifyingthepaymentofthepremium.Uponthereceiptofyourdebitnotewewillremityoutheamountofthepremium.(一收到贵方寄来的借记账单，我们就会将保险费款给你们汇去。)Theextrapremiumfortheadditionalcoveragebeyondthenormalinsuredamountof110%ofinvoicevaluewillbeforouraccount.(正常投保金额是发票数额的110%，若投保金额高于此，高出部分应缴的保险费由本方支付。)Afterfinishingtheinsuranceprocedureyoucandrawonusasightdraftforourrefundingyouthepremiumfee.(待贵方完成投保手续后可向我方开出即期汇票，以便我们把保险费款还给你们。)PartTwoSteps/ContentsTypicalExpressions4.Expressingyourexpectation.Wehopethatthegoodscanbeinsuredaspertheaboverequest.(希望按以上要求给货物投保。)Pleaseinformuswhetheryouagreewiththesaidarrangementsofinsurance.(贵方是否同意这样的保险安排，请告知我们。)Forletters(fromtheexporter)inreply1.Confirmingthereceiptoftheimporter’srequest.Wehavereceivedyourletterrequestingustohandleinsuranceontheconsignmentof…against…at/for…%ofinvoicevalue.(我们已收到你方来函，该函中要求我方以发票价值……%的保险金额为……货投保……险。)Yourletterof…askingustoinsuretheshipmentof…onyourbehalfhasbeennoted.(你们……时候的来函收悉，得知贵方希望本方代你们为…..的运输投保。)PartTwoSteps/ContentsTypicalExpressions2.Informingtheimporterofwhathasbeendone.Wetakepleasureininformingyouthatwehavecoveredtheinsuranceoftheconsignmentof…against…fortheamountof…(我们高兴地通知贵方，我方业已为……货投保了保险金额为……的……险。)WehaveobtainedtheinsurancepolicyontheshipmentundertheL/CNo.….evidencingthecoverageofthegoodsagainst…atfullinvoicevalueplus…%(对于……号信用证项下货物我方已取得了保险单，单上证明货物已按发票金额加成……%的额度投保。)3.Clarifyingthepaymentofthepremiumcharge.Asperyourconfirmationwewillsendyoutheinsurancepolicytogetherwithadebitnoteforthepremiumfee.(按照贵方已确认的那样，我们会把保险单以及保险费款的借记账单一并寄给你们。)PartTwoSteps/ContentsTypicalExpressionsSincetheinsuredamountrequiredbyyouis150%ofinvoicevalue，weshall,basedonouragreement,drawonyouatsightfortheextrapremiumontopof110%oftheinvoicevalue.(贵方要求投保发票金额的150%，根据我们双方已达成的协议，我方会向你们开出即期汇票，以便你们返还发票价值110%以上部分保险金额的保险费款。)PartThreeExpressions(1)1.insurancecompanytheinsurerunderwriter保险公司；承保人，保险人2.theinsured被保险人，受益人3.insuranceagent保险经纪4.insurancepolicy；保险单insurancecertificate保险凭证，简式保单，小保单openpolicy预约保单，总保单5.insurancevalue/amount保险金额6.insurancepremium保险费premiu