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商务英语口语之保险下面是关于保险的商务英语口语内容，希望对大家有所帮助，欢迎阅读。
1. Please insure for us these products at invoice value plus 10% ( at 110% of the invoice value).请给我们这批货物在发票金额上加10%的保险(即发票金额为110%)2.We’d like to cover our ordered goods against WPA for 120% of the invoice value according to our usual practice.我们要求根据实际对我们订购的货物按发票金额120%投保水渍险3.Please hold us covered for the cargo listed on the attached sheet.请保留附件表所列出的货物4.For this consignment, we shall cover WPA and risk of breakage for 110% of the invoice value.对这批货，我们要按发票金额110%投保破损险5.Our company will insure against all risks for 110% of the invoice value.我们公司要按发票金额110%投保6.Please insure the electric fans at 120% of the invoice value.请按合同金额120%对电扇投保7.The machines are to be unsured against all risks.机器不确定所有风险8.We only cover FPA and war risk.我们仅保平安险和战争险9.There are not delicate goods that can be damaged on the voyage .FPA will be good enough.航行中不是精致的货物不易受损，所以平安险就足够了10.Our goods are very valuable , so I want insure against all risks.我们的货物非常贵重，所以我要保所有险11.We’d like to get a policy for total loss only for these goods.我们只对这批货所有损失做个方案12.I’d like to get a AR insurance policy. That way , we will be covered for any kind of loss or damage.我想获得AR保险条例，也就是说我们要涉及各种丢失或损失13.I’m afraid that WPA coverage is too narrow for a shipment of this nature. Please extend the coverage to include TPND.恐怕这种运输条件仅有水渍险范围太窄，请另加盗窃和提货不着险14.Would you insure our goods to be shipped from Shanghai to Lisbon next month?你对我们下月从上海到里斯本的货物投保了吗15.Can you cover our goods against breakage?你能保证我们的货物免于破损吗16.We should be glad if you would provide cover of $390,000 on computers, in transit from Tokyo to Beijing.如果你能提供我们从东京到北京的计算机390,000美金的保险，我们将非常高兴17.Please insure us against all risks $300,000 value of 5,000 sets of “ Butterfly” sewing machines, sailing for New York.请给我们到纽约的5,000套“蝴蝶”牌缝纫机按300,000美金投保一切险18.Please insure for me against all risks 200 pieces of high-quality furniture valued $20,000.请为我们就200套高质量家具按20,000美金投一切险19.We wishes to insure against all risks for the sum of $1,500 on 3 cases glassware.我们希望能为3箱玻璃按1,500美金金额投保一切险20.We shall shortly be making regular shipments of leather goods to Canada, and shall be glad if you will issue an all risks marine insurance policy for $70,000 to cover these shipments.我们将不久出口皮革品到加拿大，若为这批货按70,000美金投保海运一切险将使我们非常高兴21.Please give us the policy rates for FPA coverage and for WPA coverage.请给我们关于平安险和水渍险的投保率方案22.We require the current insurance rates for land transportation.我们需要陆地运输的当前投保率23.I have some glassware to be ship to Hongkong. What risks should I cover?我有货要运到香港，我要保什么险24.What is the insurance premium for these goods ?这些货要多少保险费25.We need to send a shipment to England. We want to find out about your marine insurance.我们有船到英国，我们想知道你们的海运险26.Please let us know the premium of breakage.请告诉我们破损险的保险费27.What kind of insurance do you usually provide ?你们通常提供哪一种保险28.What kind of insurance can you suggest for these goods? We don’t want to take the risk of losing money because of under unsurance.请建议一下这些货要哪种保险，我们不愿有因未投保而受损失的风险29.I have a batch of glassware to be shipped in the fourth quarter, but I don’t know what risks should be covered. I would like to know some details and your advice of course will be highly appreciated.我有一批眼镜要在第四季度装运，但我不知道要保什么险，告诉我一些保险细节将不胜感谢30.If we insure against free particular average, can you compensate us for all the losses if the ship sinks or bums, or get stuck?如果我们投保平安险，在船只沉没、遗失或角礁情况下你们能否赔偿我们所有损失。
外贸常用英语口语：保险 Insurance （一）I'm looking for insurance from your company.我是到贵公司来投保的。
Mr. Zhang met Mr. William in the office of the People' Insurance Company of China.张先生在中国人民保险公司的办公室接待了威廉先生。
After loading the goods on board the hip， I go to the insurance company to have them insured.装船后，我到保险公司去投保。
When should I go and have the tea insured？我什么时候将这批茶叶投保？All right. Let's leave insurance now.好吧，保险问题就谈到这里。
I have come to explain that unfortunate affair about the insurance.我是来解释这件保险的不幸事件的。
I must say that you've corrected my ideas about the insurance.我该说你们已经纠正了我对保险的看法。
This information office provides clients with information on cargo insurance.这个问讯处为顾客提供大量关于货物投保方面的信息。
The underwriters are responsible for the claim as far as it is within the scope of cover.只要是在保险责任范围内，保险公司就应负责赔偿。
The loss in question was beyond the coverage granted by us.损失不包括在我方承保的范围内。
保险-外贸实务口语句型及对话第10课保险-外贸实务口语句型及对话第10课Unit 10 Insurance 保险Basic Expressions1. We have covered insurance on 1,000 cases of beer for 110% of the invoice value against all risks.我们已将一千箱啤酒按发票金额的百分之一百一十投保一切险。
2. If you desire us to insure against a special risk, an extra premium will have to be charged.如你想投保特殊险别，将向你收取额外保费。
3. This risk is coverable at a premium of 0.25%.该险别的保险费是百分之零点二五。
4. The insurance company insures this risk with 5% franchise.保险公司保这种险有百分之五的免赔额。
5. After loading the goods on board the ship, you must go to the insurance company to have them insured.货船装船后，你必须找保险公司为货物投保。
6. We can serve you with a broad range of coverage againstall kinds of risks for sea transport, such as Free of Particular Average (F. P.A.), With Particular Average(W.P.A.), All Risks and Extraneous Risks.我们能够承保海洋运输的所有险别，如：平安险、水渍险、一切险和附加险。
商贸英语口语之保险一、惯用单句1 我们可以承保海洋运输的所有险别，如：平安险、水渍险、一切险和附加险。
We can serve you with a broad range of coverage against all kinds of risks for sea transport, such as Free from Particular Average (FPA), With Particular Average (WPA), All Risks and Extraneous Risks.2 我们可以办理海运、陆运和空运的所有险别。
We are able to cover all kinds of risks for transportation by sea, land and air.3 我们已经给一千箱啤酒按发票金额的110%投保了一切险。
We have bought insurance on 1,000 cases of beer for 110% of the invoice value against All Risks.4 请注意我们的保险范围只是发票金额的110%。
Please note that our insurance coverage is for 110% of the invoice value only.5 我们会按发票金额的110%，给你们投保一切险。
We will offer you the insurance against All Risks for 110% of the invoice value.6 你方打算办理什么险？谁将负责支付保险费？What kind of insurance are you going to take out and who will pay the premium?7 我将给货物投保渗漏险。
I'll have the goods covered against Leakage.8 这批货物将投保偷窃、提货不着险。
Unit 10 On terms of payment 2 在⽀付条款After the finished talking of questions about the price,Mr Blag is going to talk about payment term with Mr Wang from our trade company.S:I am glad we are likely to conclude the first transaction with you soon.We settled all the questions aboutpacking,insurance,packing and shipment.Now,how about your terms of payment?W:As you've seen from specially contract,we requires payment by confirmed irrevocable LC against the presentation of shipping documents.S:I am sorry to hear that you insist on the terms by LC.Could you make an exception in our case like that DP or DA.W:I am afraid not.It is our usual practice to use that payment by LC only.S:Frankly,the letter of credit will raise the cost of my imports.When I open the letter of credit with bank,I have to pay margin.That will not only take my money,but also increase my cost.W:Oh,I cannot be of any help in this aspect.You'd better consult your bank,and ask them to reduce the required margin as minimum.S:Still be bank charges in faxing to banks in opening LC.It would help me greatly if you could accept DP or DA instead,you can join on me as if there is an letter of credit.It makes no great difference to you,but it will certainly does to me.W:Well,I see your point.But your doclet aware that irrevocable LC give us additional protection of bank's guarantee.That's why we always require LC for our exports.That's the usual practice in documents internationally.S:But I heard you would accept different kind of payment as China has a doc open policy and you are following international policys.W:Quite right.But that all depends on the specific circumstances.S:As this is the first transaction concluded.and the time with the world competition is rather keen,I would suggest that you would use more valuable terms,that would promote the trade between countries.What about DA?W:Sorry,it cannot be done.Payment by LC is our usual practice in business with all customers for suchcommodities,especially with our new customers.If we can make an exception here.we cannot know where tostop.Besides,our price is very competitive and I don't think you will have any difficulties in sales.S:Is DP acceptable for you?W:Perhaps we shall whether we can do DP terms.After we have done more business together.For the moment,I am afraid we much insist our usual payment terms.S:If in that that,I have no alternative but to accept your terms of payment.By the way,when must I have open the LC in one of goods to be delivered before Christmas season.As you know,Christmas is the selling season at our end.W:A month before date of shipment,as mentioned in our sales contract,S:could you possibly allow one earlier shipment as I expect one goods well before Christmas starts.W:Getting in the goods ready,packing the documents and packing shipping space,all this takes time,you know.You can not expect us make an shipment in less than a month.S:Alright.I will help LC open by fax as soon as I get home.W:When will that be?S:Early next week.Meanwhile,please get everything ready in and transfer these goods immediately after you get my LC. W:You may rest your shirt for that.We will pack your order and require for the shipment space right away.So,the shipment can be affected in two or three weeks after receiving your LC.S:That would be fine.Thank you very much for your cooperation.W:I am glad to be of help.The earlier we get your LC,the sooner shipment can be made.We will let you know as soon as the goods are shipped.S:Thank you.I am looking forward to your shipping advice by fax.W:Sure,I will send it by fax.:Goodbye and thank you for coming.S:Bye.S:Ah,Mr Yang.Sit down,won't you?Scar?Y:Thank you,I believe I will.BOk.I am glad to say that we have settled the price,quality,quantity of the transaction.And what about the terms of payment? Y:We only accept payment by confirmed,irrevocable letter of credit,available against presentation of shipping documents. S:But I heard you would accept different kinds of payment,such as DA and DP.Y:Quite right.But that all depend on circumstances.S:As this is the first transaction,I would suggest that you could give us more favorable term.What about DA?Y:Sorry,it can not be done.Payment is our usual practice by all customers for such commodities,especially with our new customers.As a matter of fact,LC protects the seller as well as the buyer.S:Then,is DP acceptable for you?Y:Perhaps we shall consider it after we have more business together.But so far,we haven't known much about credit status each other.So,I am afraid we must insist our usual form.S:To tell you frankly,the letter of credit will add my cost of imports.In opening the letter of credit with the bank,I have to pay the deposit,that will tight up my funds.Y:You might consult to bank to see if they can reduce the require deposit to minimum.S:Also,there will be certainly bank charges.It would help me greatly if you could accept DA or DP.You can join on me just as if there were letter of credit.To you,it makes no difference.But to me,it does.Y:Well,Mr Sinclare.You must be aware that the irrevocable letter of credit gives the export additional protection of the banker's guarantee.We always requires LC for all exports.And the other way around,we pay by LC for our imports.S:To meet each other health way,what do you say for fifty percent by LC and balance by DP?Y:I am awfully sorry,Mr Sinclare.But I am cannot promise even that.As have said,we usually require the payment byLC,however,to get around your difficulties,I suggest you reduce your order by half,we can send in a additional order later. S:Well,I will think it over.By the way,when must I open the LC,if I want to get goods to be delivered in June.Y:A month before shipment.S:Could you possibly affect shipment earlier?Y:Getting the goods ready,making all the documents,booking the shipping space,all these takes time you know.You cannot expect us make the delivery in less than a month.S:Very well.Mr yang.I should not reduce my order.I will take the full quantity you offer and arrange the LC as soon as I get home.Y:When will that be?S:Early next week.In the meantime,I shall be pleased if you could get everything ready.I hope these goods can be dispatched immediately after you get the LC.Y:You may be assure of that.We will book the order and require the shipping space right away,so that the shipment can be affected within two or three weeks after receipt of your LC.S:That will be fine.I appreciate your cooperation.Y:The sooner we get your LC,the sooner shipment can be affected.S:Thank you very much.Mr Yang.Y:I am glad to be of help.。
ChaptertenInsurance外贸函电Chapter Ten Insurance10.1 IntroductionIn a contract of insurance, there are two participants: insurer and insured.The clause of insurance mainly includes: coverage, the insurance amount, premium.The risks covered by insurance falls into two categories.1. The principle risks:1) W.A. (With Average) or W.P.A.(With Particular Average)2) All Risks3) F.P.A. (Free from Particular Average)2. Additional RisksGeneral additional Risks:1) TPND (Risk of Theft Pilferage and Non-Delivery) 6) Clash and Breakage Risk2) Fresh Water and /or Rain Damage Risk 7) Taint of Odor Risk3) Shortage Risk 8) Sweat and Heating Risk4)Intermixture and Contamination Risk 9) Hook Damage Risk5) Leakage Risk 10) Breakage of packing RiskSpecial additional risks:1) War Risk 2) Strikes Risk 3) Rejection Risk4) Rejection Risk 5) Aflatoxin Risk 6) Import Duty Risk7) Failure to Deliver RiskGenerally speaking, the insurance amount is defined as: the total value of the goods based onCIF price+ 10% of it that is 110% of the total invoice value. If the insured requires more than 110%, the importer has to bearthe additional premium.10.2 Writing guideWhen writing a letter about insurance the following information should be considered.1) The consignment 2) The mode of payment 3) The account of insurance4) The coverage of the insurance 5) The premium rate 6) The way of premium payment7)The validity of the insurance 8)The voyage 9) Insurance company10.3 Letters for exampleExample 1 Asking for Insurance ArrangementDear Mr Zhu,We wish to refer you to our Order No. O123 for 500 cartons Niren Zhang craftwork, from which you will see that this order was placed on CFR basis.As we now desire to have the consignment insured at your end, we shall be much pleased if you will kindly arrange to insure the goods on our behalf against All Risks at invoice value plus 10%,that is,USD3,000.We shall of course refund the premium to you upon receipt of your debit note.Looking forward to your early reply.Yours faithfully,Example 2 A reply to the aboveDear Mr Steve,We have received your letter of April 4th, asking us to effect insurance on the shipment for your account.We are please d to inform you that we have covered the shipment with the People’s Insurance Company of Chinaagainst All Risks for 1,350.00.The policy is being prepared accordingly and will be forwarded to you by next Monday together with our debit note for the premium.Yours faithfully,Example 3 Request for Excessive InsuranceDear sirs,We wish to refer you to our order No. 0401 for 1000 cases clothes from which you will see that this order was placed on CIF basis.We know you only issue All Risks in general situation. But we would like to add War Risk because of the complicated situation in the Middle East. Can you get this for us? We shall of course bear the premium for this sort of special coverage.We sincerely hope that our request will meet with your approvalYours faithfully,Example 4 Application for InsuranceGentlemen,We have known that your company is the largest insurance company in China. We wish to insure with your company a shipment of Children bicycles. The details are as follows: From Tianjin to Australia, 2,000 cases bicycles, by s/s China Hero, due to leave Tianjin on April 15th.The invoiced value of the consignment including freight and commission is USD 75,500.Yours faithfully,Example 5 The requirement to increase the rate of insurance Dear Sirs,We refer to our Purchase Confirmation No.100 for 500 pieces of Lucky Blanket. We are notifying that we have opened throughCiti Bank a confirmed irrevocable letter of credit No.200, totaling USD 3,500, the L/C shall remain in force till 30th, June.Please see to it that above mentioned articles would be shipped before the end of June and the goods should be covered insurance for 130% of the invoice value against All Risks. We know that according to your usual practice, you insure the goods only at invoice value plus 10%.Therefore the extra premium will be for our account.Please arrange insurance as our requirements and we await your advice of shipment.Yours faithfully,10.4 Useful Expressions1. We can arrange insurance on your behalf. 我们可以为你方办理保险。
Unit 10 insurance1. cover / effect / arrange / make insurance2. insurance搭配：●PICC●110% of the invoice value●1,000 sets electric fans●All Risks and War Risk● a premium rate of 5‟●insurance on●insurance for●insurance against●insurance at●insurance withE.g. We have covered insurance on your order with PICC for 110% of the invoice value against All Risks and War Risk.for 110% of the invoice valuefor 10% above the invoice valuefor the invoice value plus 10%Language Points●1)请投保一切险。
●Please insure against all risk.●2)请投保平安险。
●Please insure FPA.●3)我们已给这些货物投保水渍险。
●We have insured the goods WPA.●5）我们已注意到你方愿意按发票金额的130% 投保。
我们正在洽办中。
●We noted that you wish to insure shipment for 130% of the invoice value, which ishaving our due attention.●6)我们将为你方所订货物投保偷窃、提货不着险。
●We shall cover insurance on your order against TPND.●7)你方货物适合投保水渍险和破碎险。
外贸英语口语教程第10单元：保险英语对话Insurance保险Brief Introduction在国际贸易中，货物从卖方到达买方，通常要经过长途的运输、装卸和存储等过程。
在此过程中，货物常常会遇到许多风险。
为了保障货物遭受损失时能得到一定的补偿，买方或卖方应在货物装船后向保险公司投保货物运输险。
对外贸易的运输保险是指：被保险人（出口人或进口人）对一批或若干批货物向保险人按一定金额投保一定的险别，并交纳保险费；保险人承保后，如果所保货物在运输过程中发生约定范围内的损失，应按照所出具的保险单的规定给予被保险人经济上的补偿。
投保时，通常选择平安险（F.P.A.）,水渍险（W.A.或W.P.A. ）或一切险（A.R.）三种基本险别中的一种，然后，加保其他必要的特殊附加险别。
Basic Expressions1. We have covered insurance on 1,000 cases of beer for 110% of the i nvoice value against all risks.我们已将一千箱啤酒按发票金额的百分之一百一十投保一切险。
2. If you desire us to insure against a special risk, an extra premiu m will have to be charged.如你想投保特殊险别，将向你收取额外保费。
3. This risk is coverable at a premium of 0.25%.该险别的保险费是百分之零点二五。
4. The insurance company insures this risk with 5% franchise.保险公司保这种险有百分之五的免赔额。
5. After loadingthe goods on board the ship, you must go to the insurance company to have them insured.货船装船后，你必须找保险公司为货物投保。
6. We can serve you with a broad range of coverage against all kinds of risks for sea transport, such as Free of Particular Average (F. P.A.), With Particular Average (W.P.A.), All Risks and Extraneous Risk s.我们可以承保海洋运输的所有险别，如：平安险、水渍险、一切险和附加险。
7. W.P.A. plus Risk of Breakage suit your consignment.贵方货物适合于投保水渍险及破碎险。
8. The premium is calculated according to the premium rate or rates f or risks to be covered.保险费是根据投保险别的保险费率计算的。
9. They will undertake to compensate you for the losses according to the risks insured.他们将根据所投保的险别，对损失负责赔偿。
10. We are able to cover all kinds of risks for transportation by sea, land and air.我们可以办理海运、陆运和空运的所有险别。
11. We won’t have such a risk included, as it is not stipulated in t he Ocean Marine Cargo Clauses.我们不能投保此项险别，因为海洋运输条款中没有包括这一险别。
12. Do you cover risk other than W.P.A. and War Risk?除了水渍险和战争险外，你们还保其他险吗？13. As a rule, the extra premium involved will be for buyer’s accoun t.按常规，额外保险费应由买方负责。
14. Please note that our insurance coverage is for 110% of the invoice value only.请注意我们的保险范围只是发票金额的百分之一百一十。
15. How long is the period from the commencement to termination of the insurance?保险责任的起讫期限有多长？16. We adopt the warehouse-to-warehouse clause that is commonly used in international insurance.我们采用国际保险中常用的“仓至仓”的责任条款。
17. According to international practice, we do not insure against such risks unless the buyers call for them.按照国际惯例，我们不投保这些险别，除非买主提出要求投保。
18. Breakage is a special risk, for which an extra premium will have to be charged.破碎险是一种特别险，需收取额外保险费。
19. Because they aren’t deli cate goods and not likely to be damaged on the voyage.因为这些不是易碎易损的货物，航行中不大可能被损坏。
ConversationsDialogue 1A: Good afternoon, Mr. Brown. My appointment was at 4 o’clock, wasn’t it?B: Yes, Mrs. Wang. We have been expecting you. Mrs. Wang, this is Mr. Jordan of the People’s Insurance Company of China. He has come to e xplain the unfortunate affair about the insurance.A: Thank you for coming. Mr. Brown, as you may recall, theFebruary consignment arrived at Manila seriously damaged. The loss th rough breakage was over 30% of the consignment. We’ve presented a cl aim to the underwriters through your firm, but the insurance company refused to admit liability, as there was no insurance on breakage. We naturally were not satisfied with such a reply.B: I should like to hear what Mr. Jordan has to say about it. You kno w of course that we, the sellers, are merely acting as mediators in t his matter. The Insurance Company is responsible for the claim, as fa r as it is within the scope of coverage.J: That’s just the point. The loss in question was beyond thecoverage granted by us. According to your instructions, we made out a n insurance certificate covering W.P.A. and the risk of break- age wa sn’t mentioned in it. We rang up the Ceramics S ection of Light Indus trial Products Import & Export Corporation, but were told that their customer had not asked for coverage in case of breakage.-- 下午好，布朗先生。
我们约好四点钟见面，是不是？-- 是的，王小姐。
我们一直在等你。
王小姐，这位是中国人民保险公司的乔丹先生。
他是来解释这次不幸事件的保险问题的。
-- 谢谢你来。
布朗先生，你也许记得，二月份发运到马尼拉的那批货物破碎严重。
破碎损失超过这批货物的百分之三十。
我们已通过你们公司向保险公司提出了索赔，但保险公司以没投保破碎险为由，拒绝承担责任。
我们当然对这种回答不满意。
-- 我想听听乔丹先生对此有什么看法。
当然，你是知道的，我们卖方对这种事只是个调解人。
只要在保险责任范围内，保险公司就应负赔偿责任。
-- 问题就在这里。
你说的损失并不包括在我们承保的责任范围之内。
根据你们的要求，我们出具了投保水渍险的保险凭证，但没提及到破碎险。
我们曾打电话给轻工业品公司陶瓷品部，但他们说，客户并未要求投保破碎险。
: In the letter of credit only coverage for all marine risks?was requ ested. I should like to point out that our prices were calcu- lated without insurance for any special risk. So we applied for the usual W. P.A. coverage and let our customers deal with the matter of breakage. Since the validity of the letter of credit was going to expire in tw o days, there was no time to write for more detailed instructions. If the L/C had been valid for a longer period, we should have had time to make the matter thoroughly clear.A: Mr. Brown, our import license only ran up to the middle of Februar y, consequently we were not able to extend the validity of the letter of credit. But we presume that the wording of our L/C implies coveri ng the risk of breakage. Besides, when I take a W.P. A. insurance, th at is, with particular average, I should think the risk of breakage i s a par ticular average, isn’t it?J: Not every breakage is a particular average. It is a particular ave r- age when the breakage results from natural ca lam i ties or mar i time accidents, such as stranding and sinking of the car ry ing vesse l, or is attributable to fire, explosion or collision. If none of the se conditions occur, break age is often considered as an or di nary l oss and rep re sents what we call ?inherent vice or nature of the sub ject matter insured? which is outside the scope of the coverage.-- 信用证只要求投保“综合海运险”。
