44chapter 9 insurance

Chapter9InsuranceBusinessknowledgeTheStudyofLettersCase1Case2Case3Case4LetterWritingGuideHomeworkStructureThepurposeofinsurancetoprovidecompensationforthosewhosufferfromlossordamage.ItisacontractofindemnityGeneralofInsurancevariouskindsofrisks（1）FPA（FreefromParticularAverage）（2）WAorWPA（WithAverageorWithParticularAverage）（3）AllRisks（4）TPND（Theft,Pilferage&Non-delivery）（5）Freshand/orRainWaterDamageRiskvariouskindsofrisks（6）ShortageRisk（7）Intermixture&ContaminationRisks（8）LeakageRisk（9）Clash&BreakageRisks（10）TaintofOdourRisk（11）Sweating&HeatingDamage（12）HookDamageRisk（13）RustRisk（14）BreakageofPackingRiskvariouskindsofrisks（15）SRCC（Strikes,Riots,CivilCommotions）（16）WarRisk（17）ImportDutyRisk（18）OnDeckRisk（19）RejectionRisk（20）FailuretoDeliveryRisk（21）AflatoxinRisk（22）SurveyinCustomsRisk（23）SurveyatJettyRisk.LettersConcerningInsuranceAletterforthesaidpurposeislikelytocontain:（1）Askingforinsurancearrangement.（2）Replyingtoaninsuranceapplication.（3）Askingforextrainsurance.（4）Clarificationofinsuranceterms.加纳联合进口有限公司去函，想请中国无锡阳光进出口有限公司代替其在无锡办理保险事项，主要是关于其1001号订单下的500套熊猫牌电灯组件的保险，要求按发票金额加10%投保一切险，费用由其承担。Keypoints1.代办保险2.投保一切险3.费用由买方承担Case1UsefulExpressions1.insure[in'ʃuə]v.2.plus[plʌs]prep.3.refund[ri:'fʌnd]v.4.premium['primjəm]n.5.debit['debit]n.6.covering7.referto保险加偿付保险费借方有关,适用查阅UsefulExpressions8.atyourend9.onbehalfofsb.,onone’sbehalf.10.insure（thegoods）against（×××risk）11.debitnote（D／N）12.creditnote（C／N）13.draw（adraft）onsb.for（money）在你（贵）方代表给货物保×××险索款通知,借方通知付款通知,贷方通知开出（汇票）向某人索要款项查阅1．Whatkindofinsuranceareyouabletoprovideformyconsignment?2．MayIaskwhatexactlyinsurancecoversaccordingtoyourusualC.I.Fterms?3．Forthiscontract,we’dlikeyoutoarrangeinsuranceatyourend.4．WewishtorefertoyouourorderNo.1001for500setsof“Forever”bicycles.UsefulSentences5.Aswehavealreadysignedanopencoveragreementwithourunderwriter,wewouldpreferyoutosendusaCFRquotation.6.We'dliketocovertheporcelainwareagainstAllRisks.7.IknowthatF.P.Ainsurancedoesn'tcoverlossesonconsumergoods.UsefulSentencesUnitedImportCo.,Ltd.48AshantiRoad,Accra,GhanaJuly20,2008SunlightImport&ExportCorp.Wuxi214034ChinaDearSirs,Re:OurOrderNo.1001,YourSalesContractNo.018Covering5000Setsof“Panda”LightFixturesLetterOne-AskingSellertoCoverInsuranceAskingSellertoCoverInsuranceWewishtoreferyoutoourOrderNo.1001for5,000setsof“Panda”lightfixtures,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyoukindlyarrangetoinsurethesameonourbehalfagainstAllRisksatinvoicevalueplus10%,i.e.USD5,500.Weshallofcourserefundtoyouthepremiumuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightfortheamountrequested.Wearelookingforwardtoyourearlyreply.Yoursfaithfully,LukeBrownLetterOneAskingSellertoCoverInsurance1.LightFixture:灯具组件2.CFR:cost+freight成本加运费价3.Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyoukindlyarrangetoinsurethesameonourbehalfagainstAllRisksatinvoicevalueplus10%,i.e.USD5,500.NotestoLetterOne1）atone’send在某（买方或卖方）处inyourplace,onyourside,atyourend均作“在你地区”或“在你处解”。2）insure作动词时后可跟人或机构作宾语，但跟不同的介词时，所表示的意义不同：e.g.WehaveinsuredtheshipmentagainstAllRisksattherateof0.3%for110%oftheinvoicevaluewithPICC.我们已为这批货物向中国人民保险公司按发票金额110%投保一切险，保险费率为0.3%。NotestoLetterOnePleaseinsureFPAonthisshipment.请为这批货投保平安险。e.g.Everycompanyinsuresitselfagainstlossordamagetoitsproperty.每个公司都为自己保险以防财产的损失或损害。3)过去分词insured作定语时构成的部分常用词组：insuredamount（=insuranceamount）保（险）额insuredcargo/goods投保的货物insured还可作名词,前面加定冠词，即theinsured,作“被保险人”解。NotestoLetterOne4)same该物，该人，该公司此处作代词用，是商业、法律用语，表示前面刚刚提及的物品和人，定冠词the可省略，用此词可使行文简洁。e.g.WehavereceivedfromyourParisOfficeanenquiryforthisarticleandhavemade（the）sameafirmofferforOctobershipment.我们已收到贵公司巴黎分公司有关这一商品的询盘，并已向该公司报了实盘，装运期为10月。5)onone’sbehalf,onthebehalfof代表NotestoLetterOne4.Weshallofcourserefundtoyouthepremiumuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightfortheamountrequested.1)refund:paybackmoneytosb.退还2)debitv.将……记入借方debitUS$500against/tosb.debitsb.withUS$500把一笔500美元的账记入某人的借方NotestoLetterOne3)drawv.开出（汇票）常用结构为：draw（adraft）onsb.for/against向某人开汇票索取e.g.Asagreed,wewilldrawonyouatsightagainstyourpurchaseofasamplelot.如所商定，对你方购买的一批样货货款，我们将开出即期汇票向你方索取。NotestoLetterOne无锡阳光进出口有限公司收到加纳联合进口有限公司的7月20日来信后，遂回函答应替对方向中国人民保险公司办理投保标题货物的一切险，投保金额为5,500美元。保险单正在准备过程中，将在本周末连同收取保险费的索款通知一并寄给加纳联合进口有限公司。另外告知加纳联合进口有限公司，说明我公司正在安排由下月5日左右起航的“丰庆”轮装运货物。Keypoints1.回函答应投保2.安排装运货物Case2UsefulExpressions1．cover['kʌvə]v.2．policy[‘pɔlisi]n.3.effectinsurance4.captionedshipment,thesubjectarticle/goods5.（takeout）/coverinsurance6.Foryourinformation（FYI）保险,投保保险单办理保险标题货物通过申请取得,办理（保险）手续供参考UsefulSentences1.PleaseinsuretheshipmentforRMB5,000againstAllRisks.2.WehaveeffectedinsuranceonyourorderswithPICC.3.AnAllRiskspolicycoverseverysortofhazard,doesn'tit?4.We'vecoverinsuranceonthesegoodsfor10%abovetheinvoicevalueagainstAllRisks.5.Thepremiumiscalculatedaccordingtothepremiumrateorratesforriskstobecovered.6.PleasequoteusyourlowestrateofallrisksforUSD$18,000ongardenlightsfromHongKongtoShanghai.UsefulSentencesSunlightImport&ExportCorp.Wuxi2140