外贸英语函电Unit 11 Insurance

Part Two
Steps/Contents
2. Stating the risks coverage to insure against and the amount of the insured value
Typical Expressions
Would you like to insure, on behalf of us, the consignment against... at the invoice value plus...% ﹖ 贵方能否代我们以发票金额加……%作为保险金额来为 这批货投保……险?

世纪商务英语 外贸函电
Unit 11
Insurance 保险
LOGO
Contents
▪ Part One
Basic Knowledge Concerned
▪ Part Two
Letter-writing Guide
Other Commonly Used Expressions and Sentences ▪ Part Three
LOGO
Part One
2. The Coverage of Insurance
Usually, there are three kinds of basic risks package. They are FPA (Free from Particular Average), WA/WPA (With Particular Average) and AR (All Risks). The insured needs to choose one of them to insure against. In terms of the range of risks coverage, FPA is included in WA/WPA, and WA/WPA is included in AR.

Exercise and Key
• 7. We shall appreciate it very much if you can accept D/P payment terms.
• 假如你方能接受“付款交单”支付方式，我们 将非常感激。 • 8.In view of the fact, we have changed the packing to small wooden cases. • 鉴于这一事实，我们已将包装改为小木箱。
Exercise and Key
• 3．There is no possibility of getting business done unless you reduce your price by 2％． 你方必须降价2％，否则没有成交的可能. • 4. Under separate cover we have already sent you our samples and 3 brochures. 我方已另寄给你方样品和三本商品小册子。
Exercise and Key
• 5. Owing to the shortage of raw materials the manufacturers are compelled to decline new orders. 由于原料缺乏，工厂被迫停止接受新的定单。 • 6. This change would involve a lot of extra expenses. • 这一变动将涉及许多额外花费。
• Insurable Interest Principle • 可保利益原则
Principles of insurance
• Bona Fide Principle • 最大诚信原则

may include a particular average loss(单独海损), a general average loss(共同海损) and particular charges(特殊收费). Thus there are two distinct types of partial loss.
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Part 2. Losses in Ocean Transportation Ocean average 海损
When used for insurance, the word ‘average’ has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
单独海损是指被保险货物遭受海损后，其损失未达到全损程 度，而且是无共同海损性质的部分损失，应由受损方单独承担。
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Part 2. Losses in Ocean Transportation
（ⅱ）General average loss 共同海损
A loss may be accidental意外的 or intentional人为的. A general average loss is caused intentionally, and such a loss is beneficial to others, then those who have benefited should share that loss. Thus a general average loss is a loss resulting from a voluntary sacrifice or expenditure in time of peril, for the safety of hull, cargo and freight.（共同海损是指在发生危险时， 为了船舶、货物和运输的安全作出自愿牺牲或为此付出费用所引 起的损失。）

• We insure the goods against the usual risks and in the present case All Risks. • 我们一般对货物投保一些通常的险别,对 这次交易,我们准备投保一切险. • in the present case 在这一事件上
• Should broader coverage be required, the extra premium is for/on the buyer’s account. • 如果你方要求投保更多险别,额外的保险 费用将由你方承担.
Ocea是按中国人民保险公司1981年1月1日颁 布的海洋运输货物条款，向中国人民保险公司投 保所有险。
• Institute Cargo Clauses 协会货物保险 条款 • If there is any difference in premium between the two it will be charged to your account. 费用由你方负担 • The extra premium is borne by you • Underwriter:保险人（保险公司）
2） V. 保险，投保 ； 后可接所保的货物、和投保 的险别、insurance 和被保险人。
Insurance is to be covered by the buyers. This insurance policy covers us against breakage.
Letter 1
In reply to your letter of the 3rd November enquiring about the insurance on our CIF offer for Double Offset Ring Spanners made to you on the 20th October