Insurance保险Part 1. The Introduction of InsuranceInsurance is a key issue in international trade. The transportation of goods from the seller to the buyer is generally over a long distance and it has to go through the procedure of transit, loading and unloading, storage, etc. These goods, both being imported and exported, are subject to damage or loss. So it is customary to insure the goods against risks of collision,leakage, pilferage, fire and storm, etc.The purpose of insurance is to provide compensation for those who suffer from loss or danger that may be icurred. Cargo insurance is now an indispensable part to the import and export practice. So it will make plain in a contract as to who will cover the insurance and bear the expenses.’买卖双方签订合同后,出口商备货装运;在货物到达买方之前,可能牵涉到的环节是：买房将包装、装运要求发给卖方；买方催促装运,要求卖方提前或准时装运；卖方发出装船通知；卖方通知买方投保等;不管是哪一种情况,一般在开头部分都会提及交易中的商品,再就具体情况提出自己的要求;If the goods are sold on CIF terms, the seller is responsible for the insuring and the premium, which is 110% of the insurance value against risks as per Ocean Marine Cargo Clauses of the People’s Insurance Company of China or other insurance companies. While the buyer should arrange the insurance and bear the covering expenses, as in FOB and CFR terms.在货物运输前,买方如果合同是以FOB或CFR为基础或卖方以CIF为基础必须对货物向保险公司投保;双方交换一贯的投保惯例;Insurance protection is available for different means of transportation, such as marine, land, and aviation as well as by post. Insurance clauses aredrawn up to cater for different kinds of commodities such as general cargo, refrigerated cargo, oil in bulk, live animals and poultry, and other goods.保险适用于各种交通运输渠道,比如海运,陆运,空运以及邮寄;所编写的保险条款是为满足不同货物的需求如普通货物,冷藏货物,大量的油产品,家禽以及其他货物;The premium rates are determined largely by competition but also greatly affected by the character of the merchandise insured, the geographical area in which the shipmentes are made, the classification of the vessels employed and the probable volume of the insurance. In principle, the premium rates vary with different destinations and routes and carrying periods of insurance.保险费用很大程度上是由各保险公司竞争决定的,但也受货物本身特性,运输过程的地理环境,船舶分类以及保险覆盖面等因素的影响;原则上,保险的费用等级由于不同的目的地,路线和投保期限而多种多样;In case of loss for damage, insurance investigator will be assigned to inspect the case. If after the examination, the claim turns out to be justifiable, the underwriter shall make payments to the consignee and get the right of subrogation. If the loss or damage to the goods is caused by the international act or fault of the insured, or raising from inherent vice or normal loss of the consignor, the insurance company is not liable to pay. In the last instance, the buyer should file a claim against the seller.万一发生了货物损坏,保险公司会派遣调查专员来检查事件始末;如果在检查之后,结论是公正的,保险公司会对受托者进行补偿并且获得代位偿清的权利;如果是由于国际因素、不确定因素、本身缺陷或者委托人本身正常的货损所造成的货物损失或货物坏损,保险公司不需赔偿;最终,应由买方向卖方提出赔偿申明;Part 2. 高频词汇Risks & Coverage 险别All risk 综合险All risk 一切险综合险War risk 战争险Fire insurance 火险Marine insurance 海险Additional risk 附加险Risk of leakage 渗漏险Hook damage 钩损险Risk of contamination 沾污险Rain fresh water damage 淡水雨淋险Risk of clashing & breakage 碰损破碎险Damage caused by sweating and/or heating 受潮受热险With particular average水渍险基本险Loss and/or damage caused by breakage of packing 包装破裂险Terms of insurance 保险术语Insurance 保险费Underwriter 保险商,保险承运人Insurance company 保险公司Insurer 保险人Insurance broker 保险经纪人Insurance underwriter 保险承保人Insurance applicant 投保人The insured 受保人To cover insurance投保Insurance coverage 保险范围Insurance slip 投保单Insurance against risk 保险Insurance clause 保险条款Insurance instruction 投保通知Insurance conditios 保险条件Risk insured 承保险项Consignment 托运的货物Liability 责任Lodge a claim 提出索赔In question 目前的,正在考虑的Insurance certificate 保险凭证Open policy 预约保险单,开口保险单Combined certificate 联合凭证Endorsement 保险批单Part 3. 常用句型及信函1.我公司可以承担海洋运输的所有险别;We can cover all the risks of ocean transportation.2.保险将在货物从目的地港卸货以后到达仓库结束;Insurance will terminate when the goods are delivered to the warehouse after discharge at the port of the destination.3.一切险的承包范围比平安险宽;All risks have a broader coverage than FPA.4.我们通常按发票金额的110%来投保;We usually insure for 110% of the invoice value.5.除水渍险和战争险外,请再投保破碎险;Please cover insurance against breakage apart from WPA and War Risk.6.买方承诺负担保险费连同运费;Buyer will undertake to bear premium and freight.7.按照国际惯例,除非买方要求,我们通常不投保偷窃提货不着险;According to international practice, unless otherwise required by the buyer, we will not insure TPND.8.请贵公司立即将你们所使用的费率告知,我们在此预谢;Please inform us of your premium rate and we’d like to thank you in advance.9.保险由卖方根据海运货物保险条款投保;Insurance is covered by the seller under Ocean Cargo Clause.10.如果投保附加险,附加费用由买方承担;If additional risks is insured, extra premium will be borne by the buyer.Dear Miss Liao,Re: 150 pieces Tea setsWith reference to the order for 150 pieces Tea sets, we have opened through the Bank of China, New York, confirmed, irrevocable L/C for US$2900, valid till July 20.It is your usual practice to insure the goods against FPA for only 10% above invoice value. But owing to the special feat ure of our goods. We’d like to have the fragile goods insured against FPA and Breakage for 150% of the invoice value for this transaction. The extra premium wii be for our account.We shall be grateful if you will arrange insurance as requested and let us have your information as soon as the goods are delivered.Yourssincerely,Jack Smith。
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。
