外贸英语函电ChapterTenInsurance

14
Basic Knowledge
3.All Risks
Aside from the risks covered under the F.P.A and W.A conditions as above, this insurance also covers all risks of loss or damage to the insured goods whether partial or total, arising from external causes in the course of transit. 一切险的责任范围除包括上列“平安险”和“水渍险”的所 有责任外，还包括货物在运输过程中，因各种外来原因所造 成保险货物的损失。不论全损或部分损失，除对某些运输途 耗的货物，经保险公司与被保险人双约定在保险单上载明的 免赔率外，保险公司都给予赔偿。
special extra risks 特殊附加险
16
Basic Knowledge
General Extra Risks一般附加险
1)T.P.N.D. Theft, Pilferage and Non-Delivery 2)Fresh Water and Rain Damage
Fresh and/or Rain Water Damage 3)Risk of Shortage 4)Risk of Intermixture and Contamination Risks 5)Risk of Leakage 6)Risk of Clash and Breakage 7)Risk of Odour3ຫໍສະໝຸດ Basic Knowledge
Broker in the western countries, the exporter, who wishes to have his goods insured, does not approach the insurer directly but instructs an insurance broker to insure on his behalf. The exporter forwards his instructions on a form supplied by the broker and gives the required details on the form. The broker, who is authorized to place insurance with certain limits, write the particulars of the proposed insurance on a document called “slip”(pink slip. An employee's termination notice.) and sends the assured a memorandum of the insurance on a duplicate form of instructions.

English for Business Communication
DLVTC XU MEIRONG
English for Business Communication
Third Edition
Xu Meirong
from Department of Int’l Business Communication of
Task 1
Warming-up Discussion Suppose you are China National Garments Imp. & Exp. Corporation, and at the buyer’s(Fashion Trading Company in U.K.) request, you have made an offer for 3,000 dozen of Silk Blouses at ￡45,00 CIF London per piece. Upon receipt of your offer, the buyer sent you a letter as follows, how will you write to your buyer?
Key Words & Expressions
⊙Endings a. We look forward to hearing from you at an early date. b. We hope the above will be helpful to you. c. We hope the above request will meet with your approval and look forward to you favorable reply. d. Please acknowledge receipt of the Insurance Certificate.

leakage, dampness, war, strikes, etc. Special extraneous risks
General extraneous risks
BACK
Total loss
The actual total loss（实际全损） Refers to the total loss or the damage of the insured goods so that they become entirely valueless.
Lightning
Earthquake
Volcanic eruption
Tsf the sea
Fortuitous Accidents（意外事故）： such as ship stranding, striking upon the
rocks, sinking, fire, explosion, etc.
BACK
Coverage
Coverage
Risk Average Charge
Natural calamities Perils of the sea Fortuitous accident
General extraneous risks Extraneous risks
Special extraneous risks
Fire
Explosion
Collision
Striking upon the rocks
Stranding
Sinking
BACK
Extraneous Risks
Extraneous Risks（外来风险）： these risks are caused by theft, rain, shortage,

3. 希望对方同意并希望对方尽早发货。（Wishing the reader to
accept and ship the goods early）
章
情景搭配用语：[Useful expressions] ● We wish you can accommodate us in this respect.（希望你方在此
节
方面给予照顾。） ● We hope to receive your favorable reply.（希望收到你方早日答
简 复。） 卖方保险信函写法：
介 1. 说明收到信函；（Stating that you have received their letter）
情景搭配用语：[Useful expressions]
节
● We want to make it clear that...（我方想澄清一点……） ● With regard to... we regret being unable to accept...（关
简 于……很遗憾不能接受……） 3. 说明会立即发货等。（Stating the goods will be sent soon, etc.）
简
（关于第……号合同）● Referring to...（关于……）● With regard to (with reference to)... our Contract...（关于我们……合同）
介
2. 提出具体保s险要求及理由；（Suggesting the term of payment and the reason）情景搭配用语：[Useful expressions] ●As...we shall
下列信函中，出口商是如何通知进口商保险手续已办理的？ Dear Sir or Madam, Thank you for your letter of March 30, requesting us to effect insurance for 2,000 silk blouses for your account. We are pleased to confirm having covered the above shipment with the People’s Insurance Company of China against all risks for 110% of the invoice value. The policy is being prepared accordingly and will be forwarded to you by the end of this week together with our debit note for the premium. For your information, these goods will be shipped on “Sunrise” vessel sailing on or about the April 20.

风险 Risks
损失 Losses
海上损失
其他损失
全部损失 Total Loss
实际全损Actual Total Loss
推定全损 Constructive Total Loss
部分损失 Partial Loss
共同海损General Average
单独海损Particular Average
Perils of the sea
heavy weather, lightening, earthquake, volcanic eruption and so on.
natural calamities:
fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external object other than water
Coverage
Free from Particular Average (F.P.A) With Particular Average or With Average (W.P.A or W.A) All Risks
basic risks
general additional risks special additional risk
Insurance Policy (保险单,俗称大保单) Insurance Certificate (保险凭证，俗称小保单） Open Policy /Open Cover (预约保险单/总保险单)
2.Particular average: It means partial loss or damage accidentally caused to the ship or to a particular lot of goods. Particular average is not a total loss. It must be borne by the owner of the property suffering the loss, it is distinct from general average, which is shared by all who have a financial interest in the voyage and its risks in proportion to the value of their interests.

• Insurance Clauses 保险条款
1.China Insurance Clauses 中国保险条款（C.I.C）(made by PICC)
Ocean Marine Cargo Clauses 中国海洋运输货物保险条款 （OMCC）
2.Institute Cargo Clauses 协会货物保险条款 （I.C.C）
(1) perils of the sea 海上风险 1) Nature Calamities 自然灾害 2) Accidents 意外事故 (2) Extraneous Risks 外来风险 1)General Extraneous Risks 一般外来风险 2) Special Extraneous Risks 特殊外来风险
Insurance Policy/Certificate
保险单（Insurance Policy)，俗称大保单。保险人和被保险人之间 保险单（Insurance Policy)，俗称大保单。保险人和被保险人之间 成立保险合同关系的正式凭证。 内容除载明被保险人、保险标的（如是货物段填明数量及标志）、 运输工具、险别、起讫地点、保险期限、保险价值和保险金额等 项目外，还附有关保险人责任范围以及保险人和被保险人的权利 和义务等方面的详细条款。如当事人双方对保险单上所规定的权 和义务等方面的详细条款。如当事人双方对保险单上所规定的权 利和义务需要增补或删减时，可在保险单上加贴条款或加注字句。 保险单是被保险人向保险人索赔或对保险人上诉的正式文件，也 是保险人理赔的主要依据。 保险凭证（Insurance Certificate），俗称小保单。它是保险人签 保险凭证（Insurance Certificate），俗称小保单。它是保险人签 发给被保险人，证明货物已经投保和保险合同已经生效的文件。 证上对保险条款做了简略，对背面条件不做详细记载，表明按照 证上对保险条款做了简略，对背面条件不做详细记载，表明按照 本保险人的正式保险单上所载的条款办理。保险凭证具有与保险 单同等的效力。保险证明一般需要投保人会签生效。

• 中国人民保险公司 • 中国海洋运输货物保险条款(Ocean Marine Cargo Clauses)所包括的三个基本险别是： • 1)平安险(Free from Particular Average,缩写为 F.P.A.或FPA) • 2)水渍险(With Particular Average,缩写为 W.P.A.或W.A.) • 3)一切险(All Risks)
5. handsome
•
adj.可观的
6. rebate ['riːbeɪt]
• n. 回扣 • 您会像其他保险商那样付给我们保险 费用回扣吗 ?
• Will you give us a premium rebate just as other underwriter do?
7. Interval ['ɪntəv(ə)l]
Text Translation
• We thank you for your letter of May 10, quoting us 100 metric tons of Wool on CIF terms. We regret, however that we prefer to have your quotations and/or offers on CFR terms.
• We shall take our insurance at this end under our open policy.
预约保险单
• 它是一种长期性的货物保险合同。 预约保险单上载明保险货物的范围、险 别、保险费率、每批运输货物的最高保 险金额以及保险费的结付、赔款处理等 项目，凡属于此保险单范围内的进出口 货物，一经起运，即自动按保险单所例 条件承保。
•

charge the extra premium to our
account.
精品资料
❖ Rate of premium 保险(bǎoxiǎn)费率 ❖ e.g. the PICC offers relatively lower
rate of premium compared to other insurance companies.
精品资料
海洋货运保险保障的风险
自然灾害
海上(hǎi shànɡ)风险 Natural Calamities
PERILS OF THE SEA 意外事故
风险(fēngxiǎn)
Fortuitous Accidents
RISK
一般外来
外来风险
EXTRANEOUS RISKS
特殊外来
精品资料
Natural Calamities refer to the calamities caused by the forces of Nature, such as heavy weather, lightning, tsunami, earthquake, and flood.
Accidents refer to the events happened unexpectedly, such as the carrying conveyance being grounded, stranded, sunk or in collision with floating ice or other objects as well as fire or explosion.
Lloyd’s against All Risks.
❖
Lloyd’s 劳埃德海上保险协会
❖

Learning Objectives
1. To know the main types of insurance coverage; 2. To comprehend the content of a letter related to insurance and claims; 8. To grasp relevant terms and expressions.
Ex.Clearan ce
Carriage
Seller
Buyer
Seller
Seller
Seller
Seller
Insurance Buyer Buyer Seller
Im.Clearan ce
Modeof Transport
Buyer
Sea or inlandwaterway
Buyer
Sea or inlandwaterway
invoice value against All Risks and War Risks with the People’s Insurance Company of China. 我们已将 5000台“联想”牌计算机按发票金额的11%向中国人民保险公司投保一切险和战争险。
8.2.1 Asking the Seller to Effect Insurance
8.1.2 CIF and CFR
Trade Terms FOB
CFR
CIFComparFra bibliotekson of FOB, CFR and CIF Terms
Placeof Delivery
Port of shipment
Port of shipment
Port of shipment