Unit9_insurance

ChengduTextileCollegeUnitnineInsurancebyEmilyKongBusinessLettersObjectivesToknowaboutinsurancewordsandphrasesToknowabouthowtomakeinsuranceTolearnthephrasesandexpressionsaboutinsuranceTolearnhowtowriteabusinessletteraboutinsurance.BusinessLettersContentDialoguesSampleLettersExpressionsAllrisksTPNDFormalletterIntroductionInsuranceclauseMarinecargoclauseBusinessLettersWordsandphrases•insure保险；投保；保证•insurance保险；保险费；保险金额•underwriters保险商（指专保水险的保险商）保险承运人•insurancecompany保险公司•insurer保险人•insurancebroker保险经纪人•insuranceunderwriter保险承保人•insuranceapplicant投保人•insurant,theinsured被保险人，受保人•insurancecoverage;riskscovered保险范围BusinessLetters•insuredamount保险金额•insuranceclause保险条款•PICC(People’sInsuranceCompanyofChina)中国人民保险公司•premiumrate保险费率•premium保险费•insurancefreeof(from)particularaverage(FPA).平安险（单独海损不赔）•insurancewithparticularaverage(WPA)水渍险•insuranceagainstallrisks.一切险BusinessLetters•riskofbreakage破碎险•riskofclashing碰损险•riskofrust生锈险•riskofhookdamage钩损险•insuranceagainsttotallossonly(TLO)全损险•riskofdeterioration变质险•riskofpackingbreakage包装破裂险•insuranceagainstextraneousrisks,insuranceagainstadditionalrisks附加险•riskoftheft,pilferageandnon-delivery(TRND)盗窃提货不着险BusinessLetters•riskoffreshand/ofrainwaterdamage(wetting)淡水雨淋险•riskofleakage渗漏险•riskofshortageinweight/quantity短量险•oceanmarinecargoinsuranceclauses海洋运输货物保险条款•oceanmarinecargoinsurance,marineinsurance水险（海运货物保险）•AllRisks一切险•average海损BusinessLetters•ParticularAverage(P.A)单独海损•GeneralAverage(G.A)共同海损•MarineLosses海损•partialloss部分损失•totalloss全部损失BusinessLettersTermsexplanationPerilsofthesea:naturalcalamities:heavyweather,lightening,earthquake,volcaniceruptionandsoon.fortuitousaccidents:fire,explosion,vesselbeingstranded,grounded,sunkorcapsized,collisionorcontactofvesselwithanyexternalobjectotherthanwaterBusinessLettersHeavyweatherlighteningearthquakeVolcaniceruptiontunamiNaturalCalamitiesBusinessLettersFortuitousaccidentsfireexplosioncollisionstrandedsunkgroundedBusinessLettersExtraneousrisks:GeneralExtraneousRisks:theftandpilferage,contamination,leakage,breakage,sweatingand/orheating,taintofodor,rusting,hookdamage,freshand/orrainwaterdamage,short-deliveryandnon-delivery,shortageinweight,clashingandsoon.SpecialExtraneousRisks:war,strike,failuretodeliverduetosomespeciallawsorregulations.BusinessLettersTotalloss:ActualTotalLoss(实际全损)ConstructiveTotalLoss(推定全损)Partialloss:GeneralAverage(共同海损)ParticularAverage(单独海损)BusinessLettersBasiccoverageFPA:FreeFromParticularAveragealimitedformofcargoinsurancecoverunderwhichnopartiallossordamageisrecoverable.Itonlyprovidescoveragefortotallossesandgeneralaverageemergingfromtheactual“marineperils”likevesselbeingstranded,groundedorsunk.WPA:WithParticularAverageWA:WithAverageawidercoverthanFPA.Itprovidesextensivecoveragainstalllossesordamageduetomarineperilsthroughoutthedurationofthepolicy,includingpartiallossordamagewhichmaybeattributedtonaturalcalamitieslikeheavyweather.BusinessLettersAllrisks:themostcomprehensiveofthethreebasiccoverageunderwhichtheinsurerisresponsibleforalltotalorpartiallossof,ordamagetothegoodsinsuredeitherarisingfromseaperilsorgeneralexternalcauses.BusinessLettersAdditionalcoverageGeneraladditionalrisks—generalextraneousrisksSpecialadditionalrisks—specialextraneousrisksBusinessLettersCargoinsuranceundertakenbytheinsurancecompanycoverstherisksarisingfromthemaritimeconveyanceofmerchandisefromonecountrytoanother.FPA:freefromparticularaverageWAorWPA:withaverageorwithparticularaverageAR:allrisksParties:insurer,insured,insurancebrokerBriefIntroductionBusinessLettersDialogueoneinsurancepolicies:保险单consignment:寄送coverage:保险范围RiskofShortage:短量险internationalpractice:国际惯例insurancepremium:保险费invoicevalue:发票金额BusinessLettersexercise对于以CIF价格成交的交易,我方通常向中国人民保险公司根据1981年1月1日的海洋运输公物保险条款投保一切险。若买方要求依据协会货物保险条款办理，我方可以照办，但两者保费的差额由对方支付。BusinessLettersDialoguetwoclause:条款naturalcalamities:自然灾害additionalpremium:额外保费People’sInsuranceCompanyofChinaBusinessLettersProceduresofmarineinsurance•Toapplyformarineinsurance•Todeterminetheinsurancevalueofthegoodstobeinsured•Todeterminetheinsuranceaverageandcoverage•Todetermineinsurancepremium•Tosignaninsurancepolicy•TolodgeaninsuranceclaimBusinessLettersInsuranceagainstAllRisksDearSirs,Sub:ourorderNo.1.YourS/CNo.010Covering600CasesMechanicalToysWewishtoreferyoutoourorderNo.1for600casesMechanicalToys,fromwhichyouwillseethatthisorderwasplacedonCIFbasis.Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyouwillkindlyarrangetoinsurethesameonourbehalfagainstAllRisksatinvoicevalueplus10%,i.e.US$300.00Ofcourse,weshallrefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightforthesame.Wesincerelyhopethatourrequestwillmeetwithyourapproval.YoursfaithfullyBusinessLettersInsuranceagainstAllRisks这是一封一切险的信函AllRisks:一切险，综合险本文首先以Sub开头，提示合同、货物等，让读信人对信的内容有初步了解，行文中提出具体保险要求包括投保地、保费等，最后希望对方同意Onbehalfof:代表，为了…利益Consignment:托运，交付ConsigneeConsignerConsignedgoodsBusinessLettersSampleBDearSirs,RegardingS/CNo.250coveringcottoncloths,wewouldliketoinformyouthatwehaveestabl