外贸函电Unit 11 Insurance

Unit11InsuranceQ1:What’sinsurance?OxfordEnglish-ChineseDictionary:guaranteeofcompensationforloss,damage,sickness,death,etc.inreturnforregularpayment《国际贸易实务》：保险是一种经济补偿制度，被保险人向保险人支付一定的保险费，而保险人则对被保险人将来可能遭受的承保范围内的损失负赔偿责任。Q1:What’sinsurance?Textbook:Insuranceprovidesapoolorfundintowhichthemanycontributeandoutwhichthefewwhosufferlossarecompensated.pool:集中在一起的款额，共同储金Q2:Whydoweneedinsuranceininternationaltrade?Ininternationaltrade,thegoodsusuallyhavetobetransportedforverylongdistances.Duringthetransportation,thegoodsmayencountervariouskindsofperilsandtheownermaysufferlosses.Inordertopreventsufferingfromlosses,beforethetransportationofgoods,thebuyerorthesellerusuallyappliestoaninsurancecompanyforcoverofthegoodsintransit.Asfarasforeigntradeisconcerned,whatmainlyconcernsisstilltheMarineInsurance.Forseatransportationisthemostancientandeconomicalmeansoftransport,andtheMarineInsuranceistheearliestdevelopedinsurance.LossorDamageatSeaTotalLossPartialLossActualTotalLossConstructiveTotalLossGeneralAverageParticularAverageLossesattheSeaRelativewordsandphrasesperilsofthesea海上风险naturalcalamity自然风险fortuitousaccidents意外事故extraneousrisks外来风险险别包括基本险(basicrisks)和附加险（additionalrisks）BasicCoversagainstPerilsoftheSeafreefromparticularaverage(F.P.A.)平安险with(particular)average(W.A.orW.P.A.)水渍险allrisks一切险FreefromparticularAverage(F.P.A.)InsuranceTheinsurancecompanywillberesponsibletopayclaimsfortotalorconstructivetotallossessufferedbythewholelotofcargoesduringthetransportationduetosuchnaturalcalamitiesasvileweather,thunderandlightning,tidalwave,earthquakes,andfloods,orfortotalorpartiallossesduetotheshiporcarrierbeingfire,stranded,sinking,collidingormeetingotherfortuitous.Theinsurancecompanywillalsoberesponsible,whenlossesareincurredinthecourseofloadingorunloading,forinstance,whenoneorseveralwholeparcelsofthegoodsaredroppedintotheseaandareconsideredlost,orwhengeneralaverageisincurred,i.e.whenlossesorexpensesareincurredinthecommoninterest.平安险不承担单独海损的赔偿，是一种范围较窄的险别，不承担部分海损。只提供类似船只搁浅等实际海损所引起的全损及共同海损的赔偿。FreefromparticularAverage(F.P.A.)InsuranceWithParticularAverage(W.P.A.)InsuranceThecoverunderthisinsuranceismoreextensive.TheinsurerisliablealsoforthepartiallossesoftheinsuredgoodsduetotheriskscausedbynaturalcalamitiesmentionedunderF.P.A.insurance.水渍险对整个保险期间内由海难引起的全部损失或损坏提供广泛保险。AllRisks(A.R.)InsuranceAmongthethreekindsofbasicinsurance,underanallriskspolicythegoodsareinsuredagainstallrisks,e.g.fromnaturalcalamities,fortuitousaccidentsatsea,orgeneralextraneousrisks,irrespectiveofpercentageofloss,totalorpartial.Anaturaldeteriorationofperishablegoods,delay,lossordamagecausedbyinherentviceornatureofthesubjectmatterarenotcovered.一切险承担不管是海难还是一般外来险原因所造成的被保之物的全损或部分损失的赔偿责任。一切险除包括共同海损和单独海损责任外，保险公司对被保险货物在运输途中由于外来原因造成的短少，短量，渗漏，碰碎，钩损，雨淋，生锈，受潮，受热，发霉，串味，玷污等全部或部分损失也负责赔偿。“一切险”是保险上的一个特定名词，不应该认为所有可能发生的危险都已包括在内，比如它就不包括战争险，不合格包装，内在缺点等。附加险包括：一般附加险（generaladditionalrisks）特殊附加险（specialadditionalrisks）generaladditionalriskshortagerisk短量险theft,pilferageandnon-delivery(T.P.N.D.)偷窃、提货不着险Fresh&/orrainwaterdamagerisk淡水雨淋险leakagerisk渗漏险intermixtureandcontaminationrisk混杂、沾污险clashandbreakagerisk碰损、破碎险breakageofpackingrisk包装破损险sweatandheatingrisk受潮、受热险rustrisk锈损险taintofodorrisk串味险hookdamagerisk钩损险generaladditionalriskwarrisk战争险strikesrisk罢工险failuretodeliveryrisk交货不到险ondeckrisk舱面险importdutyrisk进口关税险rejectionrisk拒收险Aflatoxin黄曲霉素险specialadditionalriskthePeople’sInsuranceCompanyofChina(PICC)中国人民保险公司ChinaInsuranceClause(CIC)中国保险条款InstituteCargoClause(ICC)伦敦保险业协会条款Relativewordsandphrasesinsuredamount保险金额insurancepolicy保险单insurancecertificate保险凭证combinedcertificate联合凭证openpolicy预约保单Relativewordsandphrases1.coverinsurance投保，办理保险2.review:refersb/sthtosb/sth将某人或事物提交某人或事物寻求帮助3.onaCFRbasis以CFR方式4.atyourend你处ImporterAsksExportertoCoverInsuranceLetter15.onone’sbehalf=onbehalfofsb6.insurethegoodsagainststh.7.debitnote索款通知ImporterAsksExportertoCoverInsuranceLetter1Exporter’sResponseofHavingCoveredInsuranceLetter21.effectinsurance/effectshipment2.thecaptionedshipment标题货物3.foryouraccount由你方承担、付费e.g.Theadditionalchargeswillbeforbuyers’account.4.forward=sendInquiringaboutInsuranceRateLetter31.insurancerate=policyrate=premiumrate2.quoteusarateof…向我方报上…费率3.toissueapolicyInformingCustomerofInsuranceRateLetter41.inquestion有关的，提到的2.declaredvalue申报金额ApplyingforInsuranceLetter51.signageneralpolicy签一份普通保单2.togetherwith连同，与…一起3.Weshallappreciateitifyoucould…如蒙…，将不胜感激AskingforChargeLetter61.onyourinstructions按照你方指示保险单式样海洋货物运输保险单MarineCargoTransportationInsurancePolicy发票号码保险单号次InvoiceNoPolicyNoThispolicyofInsurancewitnessesthatthePeople’sInsuranceCompanyofChina(hereinaftercalled“theCompany”),attherequestof……………………………………….……..(hereinaftercalled“theInsured”)andinconsiderationoftheagreedpremiumbeingpaidtotheCompanybytheInsured,undertakestoinsuretheundermentionedgoodsintransportationsubjecttotheconditionsofthisPolicyaspertheClauseprintedoverleafendandotherspecialclausesattachedhereon.Totalamountinsured……………………………………………………………………………………………………………………..Premium………………………………