单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,Unit 11 Insurance国际货物运输保险,Content,New,Words,Business Profile,Situational Dialogue,Career Skills,Practice,Speaking,Warm-up Questions,Warm-Up Questions,Whats the aim of cargo transport insurance?,What are included in cargo transport insurance?,To protect the interests of importers and exporters from possible financial losses.,Ocean marine insurance,overland transportation insurance,air transportation insurance,and parcel post insurance.,Business Profile,国际货物运输保险是指保险人与被保险人双方约定由被保险人将国际运输中的货物作为保险标的物向保险人投保，当保险标的物遭到意外损失时保险人按照保险单的规定给予被保险人经济赔偿的一种补偿性措施。国际贸易货物的运送有海运、陆运、空运以及通过邮政送递等多种途径。对外贸易运输货物保险的种类以其保险标的物的运输工具种类相应分为四类：海洋运输货物保险、陆上运输货物保险、航空运输货物保险、邮包保险。,1.根本险,2.附加险,Business Profile,What is cargo insurance?,Cargo insurance(also called marine cargo insurance)covers physical damage to or loss of your goods whilst in transit by land,sea and air and offers considerable opportunities and cost advantages if managed correctly.,What types of cargo insurance are available?,Open Cover,Specific(Voyage)Policy,Contingency(sellers interest)insurance,Useful Expression,(1)The buyers should cover insurance themselves.,(2)We can arrange insurance on your behalf.,(3)We have covered the goods against All Risks(一切险)and TPND(偷窃、提货不着险).,(4)Please take out insurance on this lot for the invoice value(发票金额)plus 10%.,(5)What coverage do you think suits our goods best?,(6)What insurance should I arrange on this batch of glassware?,(7)Special risks are not covered unless the buyer applies for.,(8)We will get an insurance policy as soon as were through with all the formalities.,(9)Sometimes the shipping company or insurance company is found to be responsible for the claim.,(10)Please advise us when the goods is ready for shipment so that we can arrange the shipping space and insurance,back,Dialogue,Dialogue 1 The Subject of Insurance,Mr.Chen:According to our usual practice,we do business with our customer on CIF basis,Mr.Blake.,Mr.Blake:Thats good.It will save us a lot of time because we dont need to go to the insurance company and face so many formalities.,Mr.Chen:Oh,please be at ease.We will arrange insurance for you.,Mr.Blake:Thank you,Mr.Chen,But Id like to know how much the premium is.,Mr.Chen:Well,it certainly depends on the types of risks to be covered.,Mr.Blake:I see.,Which company do you usually insure with,?,Mr.Chen:We always insure our goods with the Peoples Insurance Company of China.,Mr.Blake:I heard that PICC has many agencies abroad.,Mr.Chen:Quite right.The reason we choose PICC is,first,it is the biggest insurance company in China,second,it offers very good services.Its agencies spread all over the world.If any damage occurs,you can file a claim with its local agent within 60 days after the arrival of the goods.,back,Dialogue,Mr.Blake:Thats perfect.Well,for GPS,what risks do you usually cover?,Mr.Chen:We usually arrange All Risks coverage for GPS.,Mr.Blake:,What is the usually insurance amount?,Mr.Chen:110%of the invoice value.But if you required a higher amount,say,the value plus 30%or more,you have to bear the additional premium.,Mr.Blake:I see.Thank you for your information.So please insure the products with PICC for 110%of the invoice value against All Risks.,Mr.Chen:All right.,back,Dialogue,Dialogue 2 Choosing All Risks,Mr.Blake:How do you usually cover insurance for CIF?,Mr.Chen:We usually insure our goods with the Peoples Insurance Company.Insurance covers basic risks only.If you want us to insure against a special risk,an extra premium will have to be charged.,Mr.Blake:So,what are the basic risks?,Mr.Chen:They are Free from Particular Average(F.P.A.),With Particular Average(W.P.A.)and All Risks.,Mr.Blake:What do they mean respectively?,Mr.Chen:Well,roughly speaking,F.P.A.covers total losses resulting from both natural calamities and accidents,and partial losses caused by accidents.,Mr.Blake:Then,what is the difference between W.P.A.and F.P.A.?,Mr.Chen:The protection under the F.P.A.clause will be almost the same as that offered by the W.P.A.clause The F.P.A.clause does not cover partial loss of the nature of particular average,whereas the W.P.A.clauses cover such losses when they exceed a prearranged percentage.,back,Dialogue,Mr.Blake:I see.What about all risks?,Mr.Chen:All risks means WPA plus additional risks,or extraneous risks,risks not incidental to transport by sea.,Mr.Blake:Ok.What will you plan to cover for our consignment?,Mr.Chen:All risks is suitable for yours.,Mr.Blake:Does All Risks include Breakage Risk?,Mr.Chen:Breakage is a special risk,for which an extra premium will have to be charged.In addition,the straw bags arent delicate and not likely to be damaged on the voyage.All Risks is the best choice.,Mr.Blake:So what is the usual insurance amount?,Mr.Chen:110%of the invoice value.,Mr.Blake:What if I want 130%coverage?,Mr.Chen:This can be done,but you have to bear the additional premium.,Mr.Blake:In that case,Id rather have 110%.,Mr.Chen:All right.,back,Career Skills:Showi