保险英语经典学习资料

保险英语，保险词汇共享：acceptance policy 英文翻译：核保政策accounting period 英文翻译：结算期aggregate limit 英文翻译：累积限额aggregated loss 英文翻译：累积损失antiselection 英文翻译：逆选择ART (Alternative Risk Transfer)英文翻译：新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额4保险英语词汇翻译险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI) 营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。

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。

常见保险英语大全-CAL-FENGHAI.-(YICAI)-Company One1常见保险英语大全air transportation risk 航空运输险average 海损actual total loss 实际全损additional premium 附加保险费additional risk 附加险aflatoxin risk 黄曲霉素险breakage of packing 包装破碎险China Insurance Clauce (CIC) 中国保险条款claim adjustment (settlement of claim) 理赔claims and arbitration 索赔与仲裁clash and breakage 碰损，破碎险co-insurance 共同保险constructive total loss 推定全损contractors all risks insurance 建筑工程一切险cover note 暂保单（证明同意承保的临时文件）;cover note 承保单，保险证明damage caused by heating and sweating 受热受潮险disbursement policy (船舶)驶费保险单double insurance 双保险endowment insurance 养老保险extra premium 额外保险费extraneous risks (additional risks) 附加险failure to delivery risk 交货不到险floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free from/of particular average(FPA, 平安险freight policy 运费保险单General Average .) 共同海损guarantee of insurance 保险担保书health insurance 健康保险hook damage 勾（钩）损险Institute Cargo Clauses (ICC，协会货物（保险）条款insurance 保险；保险金额insurance against air risk （air transportation insurance）航空运输保险insurance against all risks 保一切险，综合险insurance against breakage 保渗漏险insurance against extraneous（additional） risks 附加险insurance against rain or fresh water 保淡水雨淋险insurance against strike, riot and civil commotion (SRCC) 罢工、暴动、民变险insurance against total loss only (TLO) 全损险insurance agent(s) 保险代理，保险代理人insurance amount 保险额insurance applicant 投保人insurance broker 保险经纪人insurance business 保险业insurance certificate 保险凭证，保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件，保险契约约定条款insurance coverage 保险范围，保额insurance declaration sheet (bordereau) 保险申报单(明细表) insurance document 保险单据insurance expense 保险费用insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance policy 保险单, 保单insurance premium 保险费insurance proceeds 保险赔偿金，保险赔款insurance rate 保险费率insurance slip 投保申请书，投保单insurance underwriter 保险承保人insurance value (insurance amount) 保险金额insurant 被保险人insure 保险；投保insured amount 保险金额insurer 保险人，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险land transit insurance 陆上运输保险letter of guarantee 保函，保证书life insurance 人寿保险loss (damage)cuased by breakageof packing 包装破裂险marine insurance 海运保险，水险Marine Loss 海损medical insurance 医疗保险ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险overland （transportation） insurance 陆上运输保险parcel post insurance 邮包运输保险partial loss 部分损失particular average .) 单独海损perils of the sea 海上风险policy 保单，保险契约policy holder 保险客户,保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金premium 保险费premium rate 保险费率premium rebate 保险费回扣property insurance 财产保险rejection risk 拒收险renew coverage 续保riks of non-delivery 提货不着险risk 保险，保险额risk of bad odour 恶味险，变味险risk of breakage 破碎险risk of clashing 碰损险risk of contamination 污染险risk of contingent import duty 进口关税险risk of deterioration 变质险risk of error 过失险risk of hook damage 钩损险risk of import duty 进口关税险risk of inherent vice 内在缺陷险risk of labels being washed off 标签破损险risk of leakage 渗漏险risk of loss 损失险risk of mould 发霉险risk of normal loss (natural loss) 途耗或自然损耗险risk of oil damage 油渍险risk of packing breakage 包装破裂险risk of rain and/or fresh water damage 淡水雨淋险risk of rust 锈蚀险risk of shortage in quantity 短量险risk of shortage in weight 短重险risk of spontaneous combustion 自燃险risk of sweating and/or heating 受潮受热险risk of theft, pilferage and nondelivery (TRND) 盗窃、提货不着险risk premium 风险贴水、风险溢价sickness insurance 疾病保险social insurance 社会保险special additional risk 特别(特殊)附加险survey at jetty risk 码头检验险survey in customs risk 海关检验险the insured 受保人，被保险人the People's Insurance Company of China 中国人民保险公司Theft, Pilferage and Non-delivery (PTND, 偷窃、提货不着险time policy 定期保险单under deck risk 舱内险underwriter 保险商（指专保水险的保险商），保险公司total loss 全部损失transportation insurance 运输保险valued policy 定值保险单voyage policy 航程保险单with particular average（WPA）水渍险，基本险，单独海损赔war risk 战争险※更多学习资料请参考：※英语口语培训英语水平测试英语培训机构英语培训。

1.再保险reinsurance2.投保人applicant3.保险人insurer4.被保险人insured5.受益人beneficiary6.暂保单cover note7.保险单policy of insurance8.投保单proposal form9.保单certificate of insurance10.批单rider11.简易保单（保险凭证）the slip12.除外条款clause of exceptions13.免赔额条款deductible clause14.共保条款coinsurance clause15.责任条款duty clause16.代位求偿条款subrogation clause17.偿付能力insolvency18.监管regulate19.欺骗性的deceptive20.保费prepium21.投机speculate22.投保to propose23.保险利益insurable interest24.人寿保单life assurance policy25.债权人creditor26.债务人debtor27.定期保单time policy28.养老保险、年金保险annuities insurance29.交税延期tax-postpone30.巨灾catastrophe31.欺诈行为fraud32.养老基金pension fund33.保险责任coverage34.保险密度insurance density35.保险深度insurance penetration36.遗产heritage37.准备金reserves38.禁止反言estoppel39.弃权waiver40.解除合同dissolution of contract41.保单现金价值cash value42.不可抗辩条款incontestable clause43.年龄误告条款misstatement of age44.宽限期条款grace period provision45.复效条款reinstatement provision46.自杀条款suicide clause47.不丧失价值条款non-forfeiture values and options48.保单贷款条款policy loan clause49.自动垫缴保费条款automatic premium loan clause50.保险金给付任选条款settlement options51.定期寿险term life insurance52.终身寿险whole life insurance52.生存保险pure endownment insurance53.两全保险endowment insurance54.分红保险participating life insurance55.万能寿险universal life insurance56.投资连结保险unit-link life insurance57.健康保险health insurance58.疾病保险disease insurance59.医疗保险medical insurance60.失能收入损失保险disability income insurance61.长期护理保险long-term care insurance62.意外伤害保险accidental insurance63.等于equal to64.乘以multiply by65.除以divide66.加上plus67.减去minus68.人身保险personal insurance69.团体人身保险group personal insurance70.机动车辆保险automobile insurance71.家庭财产保险insurance of contents71.企业火灾保险fire insurance72.企业工程保险engineering insurance73.建筑工程保险construction insurance74.安装工程保险erection insurance75.货物运输保险cargo transportation insurance76.利润损失险loss of profit insurance77.1.what’s the definition of risk?risk means uncertainty about future loss or the ability to predict the occurrence or size of a loss.2.what’re the types of risks?pure risk and speculative risk1).pure risk means that the risk can only suffer loss and have no chance to gain benefit.2).speculative risk means that the risk is able to gain benefit while suffering loss.3.what are the ways of handing risks?1).risk avoidance2).risk dispersal3).loss control4).risk restraining5).risk retention6).risk transfer4.what’re the kinds of hazards?1).physical hazards2).adverse selection3).moral hazard4).psychological hazard5.what’re the differenes among risk,peril and hazard?1).a peril is a cause of a loss.2).a hazard is a condition that may creat or increase the chance of a loss due to a given peril.3).a risk is used to indicate a condition that there is a possibility of loss.6.what’s the definition of insurance?1).from the perspective of the legal,insurance is a kind of contract.2).from the perspective of the economy,insurance is a system of transfering risk.3).from the perspective of the society,insurance is a kind of behavior that helps each other.7.what’re the social functions of insurance?1).spreading out risks2).compensating for loss3).investment and providing for a better utilization of capital4).social management8.what are the characteristics of insurance?1).from the perspective of the legal,insurance is legal.2).from the perspective of the economy,insurance is commercial.3).from the perspective of the society,insurance is helpful.9.what are the differences between the commercialinsurance and the social insurance?1).the applicant who buy a commercial insurance is volunteer,but the social insurance is bought by a compulsive way.2).the premium of the commercial insurance is paid by the applicant only,but the premium of the social insurance is paid by the applicant,the company that the applicant work in and the government.10.what are the categories of insurance?1).life insurance2).health insurance3).accidental insurance4).properity insurance5).liability insurance6).credit insurance11.what’s the definition of reinsurance?reinsurance is an economical behavior caused by the insurer to transfering risk,because the insurer concerns the loss will have a bad effect on the stability of company.12.what’s the definition of deductive clause?insurance proceeds are payable only after theinsured has paid a certain amount of the loss.13. what’s the definition of coinsurance clause?coinsurance clause is used by judging if the sum of money compared with the insurance benefit is enough in property insurance,for example,there is an 80% coinsurance clause,if the sum of insurance has become 80% of the insurance benefit,the insurer will regard it as an enough sum proposal.14. what’s the definition of duty clause?the parties to an insurance contract are obligated to perform the duties imposed by the contract.15. what’s the definition of subrogation clause?if an insurance company pays a claim to an insured for liability or property damage caused by a third party,the insurer succeeds to the right of the insured to recover from a third party.16.what’s the definition of insurance contract?insurance contract is an agreement which stipulates rights and obligations of applicants and insurers. 17.what’s the definition of the principle of insurance interest?insurance interest clause means that the applicantand the insured must have interest of subject-matter insured.18.how to affirm the insurance interest in the property insurance?if a person has some rights of one thing,such as ownership,rights of possession,right to use,creditor’s rights and so on,the person has the insurance interest of the thing.19.what’re the significances of the principle of insurance interest ?1).to prevent the behavior of gamble2).to prevent moral risk3).to limit the highest sum of money that the insurer pays to the insured20.what’s the definition of the principle of utmost good faith?the principle of utmost good faith means that the two parties of the contract should told the other all important details which can affect the insurer whether to accept a insurance and to increase the premium ,and they can’t do any spurious behavior. 21.what’s the definition of the obligation of notification?the two parties of the contract should notify the other all important details in written form or by verbal way before signing the contract .22.what’s the applicant’s obligation of notification? 1).before signing the contract,the applicant should answer the insurer’s questions according to the facts 2).after signing the contract and in the period of validity,if the level of risk increases,the applicant should notify the insurer.3).if the subject-matter insured has been transferred or the details of contract has been changed,the applicant should notify the insurer.4).after the peril,the applicant should notify the condition of subjet-matter insured to the insurer in time.23.what’s the definition of pledge?pledge means that the applicant should guarantee whether to do something and whether something exits or not.24.what’re the definitions of waiver and estoppel? 1).waiver means that one party of the contract notifies or indicates that he will give up certain right.2).estoppel means that if one party of the contract has given up certain right ,he couldn’t ask for the right again.25.what’s the definition of the principle of loss compensation?the principle of loss compensation means that if the peril that the contract records happens,the insured may ask for compensation from the insurer according to the contract,but the insured couldn’t gain extra benefit. 26.what’s the definition of the principle of proximate cause?the principle of proximate cause means that if a cause which makes a peril happens is in the range of insurance obligation,the insurer should compensate for the loss of the insured.27.what’s the definition of incontestable clause? incontestable clause means that if a contract has taken effect for 2 years,the insurer couldn’t relieve the contract by the reason that the insured didn’t perform the obligation of notifying.28.what’s the definition of the misstatement of age?if the applicant notifies a wrong age when heproposed the insurance,his premium or compensation money would be adjusted according to the ture age. 29.what’s the definition of the grace period provision?this provision means that even the applicant doesn’t pay the prepium,the contract is still on effect in the grace period.30.what’s the definition of the reinstatement provision?this provision means that if a policy losses efficacy because the applicant doesn’t pay the preium in time, the applicant may apply for reinstatement during a certain period.31.what’s the definition of reinstatement?reinstatement means that all the rights and oblibations recorded in the policy are maintained,such as :insurance coverage,insurance deadline,and so on. 32.what’s the definition of suicide clause?suicide clause means that the insurer pays the insured compensation due to suicide only after the policy has been on effect for 2 years.33.what’s the definition of the non-forfeiture values and options?non-forfeiture values and options means that theapplicants have rights to choose different ways to use the cash value of the policy.34.what’s the definition of the policy loan clause?policy loan clause means that the applicant may pledge his life assurance policy to the insurer to apply for a loan.35.what’s the definition of the automatic premium loan clause?automatic premium loan clause means that if one applicant couldn’t pay his premium in time,the insurer could use the cash value of the policy to replace the premium.36.what’re the types of life insurance?1).term life insuranceterm life insurance is that only if the insured’s life is end,the insurer would pay insurance money,and its term is fixed.2).whole life insurancewhole life insurance is that only if the insured’s life is end,the insurer would pay insurance money,and it’s term is the insured’s whole life.3).pure endowment insurancepure endowment insurance is that only if the insured is alive during the ruled period,the insurer could pay insurance money.4).endowment insuranceendowment insurance is that regardless of the insured is alive or dead,the insurer would pay insurance money.5).participating life insuranceparticipating life insurance is that the insurance company will allot bonus which is from last accounting year to the clients in a certain proportion.6).universal life insuranceuniversal life insurance is that its method to pay prepium is flexible and its insurance money may be adjusted.7).unit-link life insuranceunit-link life insurance protects the insured and at the same time it possesses at least one investment count which owns some property.37.what’s the definition of the annuities insurance?annuities insurance is that only if the insured is alive the insurer would pay insurance money,and thetime of paying cycle is no more than one year.38.what’s the denifition of the health insurance?health insurance is that only if the insured is ill or suffers accidents the insurer wouly pay compensation.39.what’re the types of the health insurance?1).disease insurancedisease insurance is that only if the insured gets illness which is recorded on the contract the insurer pay the insurance money.2).medical insurancemedical insurance is that only if the insured is cured by the medical behaviors which are recorded on the policy the insurer would pay the insured medical fee. 3).disability income insurancedisability income insurance is that only if the insured is no able to work because of the illness or accidents which are recorded on the policy the insurer would pay the insurance money.4).long-term care insurance40.what’s the definition of the deductible excess? w hat’s its role in insurance company?1).the insurer only undertake the part which is morethan a certain sum of money,and the part which the insurer doesn’t compensate is the deductible excess. 2).the deductible excess plays an important role in insurance company,it helps company to save much unnecessary cost and reduce moral risk.41.what’s the definition of the accidental insurance?accidental insurance is that only if the insurer is dead or disabled due to the accidents recorded on the insurance contract the insurer would pay the compensation.42.。

1. annuity insurance年金保险2.valued policy定值保险3. time policy定期保单4. inherent vice内在缺陷5. floating policy流动保单6. consignment货物7. external cause外来原因8. level periodic premium平准保费9. general average expenditures共同海损费用10. general average adjuster共同海损理算师11. general average sacrifice共同海损牺牲12. port of call中途港13. port of destination目的港14. port of distress遇难港15. port of discharge卸货港16. port of loading装货港17. port of refuge避难港18. port of transshipment转运港19. port of embarkation启航港20. sue and labor施救1.What do you mean by marine insurance?2.What factors does an arbitrator normally take into consideration when decidingthe amount of the salvage award?3.What does no cue no pay refer to?4.Describe classification of personal insurance.5.What is the most important factor for an insurance dealer to think over whiledrawing up fire insurance rate? Please account for your reason.(No less than 150 words)1. When an insurer enters into a contract with the insured agreeing to indemnify the insured,subject to the limits of the ocntract covering cargo,hull, freight, or any insurable interest allied to these, against marine perils or perils incidental to a marine adventure for losses thereof, such conduct is known as marine insurance.2. The arbitrators will normally give due consideration to the risk involved in the salvage operation, the expended time, the gear used, the consumed stores, and the cost incurred by the salvors in the course of operation as well as the value of the salved porperty when deciding the amount of the award.3. No cure no pay means that the salvors’ remuneration for the rendered services depends on the operations being successful. The salvors willnot be entitled to any reward if their operations fail.4. life insurance, health insuranace and accident insurance.5. There is no exact answer to this question. The student could choose any one from the five factors discussed in the text.1.当船舶发生意外事故或货物遭受损失时，船长要签署声明，叙述事故和损失详情。

商务英语翻译词汇：【保险】保险 insurance保险陈报书 declaration policy 保险代理 insurance agent保险单 policy; insurance policy 保险单据 insurance document保险担保 guarantee of insurance 保险费 premium保险公司 insurance company保险合同 insurance treaty保险回扣 insurance rebate 保险金（保险收入）insurance proceeds保险金得益 benefit 保险金额 sum of insurance; amount insured保险经纪人 insurance broker 保险客户 policy holder 保险率费 premium rate保险赔偿 insurance indemnity 保险人；承保人 insurer保险索赔 insurance claim保险条例（中国人民保险公司） CIC (China Insurance Clause)保险物 interest insured 保险性存货（以应付万一）decoupling inventory保险佣金 insurance commission 保险责任 insurance liability保险责任终止 termination of risk 保险帐目 underwriting account保险证明书 cover note 保险种类 kinds of insurance必须掌握这些高级表达法：【友情篇】1. I'll always have your back. 我会一直支持你。

= I stand behind you .我支持你。

= I got your back. 我挺你。

2. I know how you feel. 我明白你的感受。

3. keep an eye on each other 相互照应4. You have to stay strong. 你要坚强。

常见保险英语大全HUA system office room 【HUA16H-TTMS2A-HUAS8Q8-HUAH1688】常见保险英语大全airtransportationrisk航空运输险average海损actualtotalloss实际全损additionalpremium附加保险费additionalrisk附加险aflatoxinrisk黄曲霉素险breakageofpacking包装破碎险ChinaInsuranceClauce(CIC)中国保险条款claimadjustment(settlementofclaim)理赔claimsandarbitration索赔与仲裁clashandbreakage碰损，破碎险co-insurance共同保险constructivetotalloss推定全损contractorsallrisksinsurance建筑工程一切险covernote暂保单（证明同意承保的临时文件）; covernote承保单，保险证明damagecausedbyheatingandsweating受热受潮险disbursementpolicy(船舶)驶费保险单doubleinsurance双保险endowmentinsurance养老保险extrapremium额外保险费extraneousrisks(additionalrisks)附加险failuretodeliveryrisk交货不到险floatingpolicy浮动保险单franchise(deductible)免赔额；免赔率freefrom/ofparticularaveragefreightpolicy运费保险单GeneralAverage(G.A.)共同海损guaranteeofinsurance保险担保书healthinsurance健康保险hookdamage勾（钩）损险insurance保险；保险金额insuranceagainstairrisk（airtransportationinsurance）航空运输保险insuranceagainstallrisks保一切险，综合险insuranceagainstbreakage保渗漏险insuranceagainstextraneous（additional）risks附加险insuranceagainstrainorfreshwater保淡水雨淋险insuranceagainststrike,riotandcivilcommotion(SRCC)罢工、暴动、民变险insuranceagainsttotallossonly(TLO)全损险insuranceagent(s)保险代理，保险代理人insuranceamount保险额insuranceapplicant投保人insurancebroker保险经纪人insurancebusiness保险业insurancecertificate保险凭证，保险证书insuranceclaim保险索赔insuranceclause保险条款insurancecommission保险佣金insurancecompany保险公司insuranceconditions保险条件，保险契约约定条款insurancecoverage保险范围，保额insurancedeclarationsheet(bordereau)保险申报单(明细表) insurancedocument保险单据insuranceexpense保险费用insuranceindustry保险业insuranceinstruction投保通知，投保须知insurancelaw保险法insuranceonlastsurvivor长寿保险insurancepolicy保险单,保单insurancepremium保险费insuranceproceeds保险赔偿金，保险赔款insurancerate保险费率insuranceslip投保申请书，投保单insuranceunderwriter保险承保人insurancevalue(insuranceamount)保险金额insurant被保险人insure保险；投保insuredamount保险金额insurer保险人，保险商insurer(underwriter)承保人、保险人investmentinsurance投资保险landtransitinsurance陆上运输保险letterofguarantee保函，保证书lifeinsurance人寿保险loss(damage)cuasedbybreakageofpacking包装破裂险marineinsurance海运保险，水险MarineLoss海损medicalinsurance医疗保险oceanmarinecargoclauses海洋运输货物保险条款ondeckrisk舱面险openpolicy预约保险单openpolicyinsurance预约保险overland（transportation）insurance陆上运输保险parcelpostinsurance邮包运输保险partialloss部分损失particularaverage(P.A.)单独海损perilsofthesea海上风险policy保单，保险契约policyholder保险客户,保险单持有人policypackage承保多项内容的保险单policyproofofinterest保险单权益证明policyreserves保险单责任准备金premium保险费premiumrate保险费率premiumrebate保险费回扣propertyinsurance财产保险rejectionrisk拒收险renewcoverage续保riksofnon-delivery提货不着险risk保险，保险额riskofbadodour恶味险，变味险riskofbreakage破碎险riskofclashing碰损险riskofcontamination污染险riskofcontingentimportduty进口关税险riskofdeterioration变质险riskoferror过失险riskofhookdamage钩损险riskofimportduty进口关税险riskofinherentvice内在缺陷险riskoflabelsbeingwashedoff标签破损险riskofleakage渗漏险riskofloss损失险riskofmould发霉险riskofnormalloss(naturalloss)途耗或自然损耗险riskofoildamage油渍险riskofpackingbreakage包装破裂险riskofrainand/orfreshwaterdamage淡水雨淋险riskofrust锈蚀险riskofshortageinquantity短量险riskofshortageinweight短重险riskofspontaneouscombustion自燃险riskofsweatingand/orheating受潮受热险riskoftheft,pilferageandnondelivery(TRND)盗窃、提货不着险riskpremium风险贴水、风险溢价sicknessinsurance疾病保险socialinsurance社会保险specialadditionalrisk特别(特殊)附加险surveyatjettyrisk码头检验险surveyincustomsrisk海关检验险theinsured受保人，被保险人thePeople'sInsuranceCompanyofChina中国人民保险公司timepolicy定期保险单underdeckrisk舱内险underwriter保险商（指专保水险的保险商），保险公司totalloss全部损失transportationinsurance运输保险valuedpolicy定值保险单voyagepolicy航程保险单withparticularaverage（WPA）水渍险，基本险，单独海损赔warrisk战争险※更多学习资料请参考：※英语口语培训※英语水平测试※英语培训机构※英语培训。

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⼀、保险 Insurance1.He is a holder of an insurance policy.2.How long is the period from the commencement to termination of insurance?3.Insurance companies insured ships and their cargoes against loss at sea.4.Mr.Rodman is the most heavily insured man in the world,carrying $4,000,000 insurance on his life.5.One kind of insurance policy is the one that covers a named person.6.Parties to an insurance contract are required to exercise the utmost good faithand disclose all relevant matters to each other.7.The coverage is written in the basic form and clauses.8.What cover will you take out?9.What do your insurance clauses cover?10.Who will pay the premium for WPA?1、保险他是保险单持有⼈.保险责任起⽌期限是多长?保险公司为船舶和船货承保了海损险.罗德曼先⽣是世界上投保最多的⼈,为⾃⼰投了4,000.000 美元的⼈寿险.有⼀种保险单是记名保险单.保险合同双⽅当事⼈都应该尽到的善意并且想到披露所有的相关事实.保险范围写在基本保险单和各种险别条款⾥.你们准备投保那些险别?你们的保险条款规定了那些险种?⽔渍险费⽤由谁负担?。