,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,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,*,Different Insurance Clauses,Different ways of expressing the insured amount,Three basic Risks,Other Additional Risks,Insurance Policy/Certificate,Open Policy,Coverage,Chapter 10 Insurance,Main&Difficult Points,Be able to understand basic insurance clauses,Be able to negotiate in written form about insuranceletters of asking the seller to cover insurance;letters of effecting insurance on behalf of the buyer,Learning Objectives,Key Words,insurance risk average,cover coverage open,policy premium,Sample Letters,Letter 1,Taking out an open policy,Language Points,open policy,预约保单，船名未确定保单,the Lloyd Insurance Company,劳埃德保险公司,the particulars of,the full details of,的全部细节；,的详细情况,the particulars,细节；详细情况,intestine casing n.,肠衣,effect an open policy with,与,洽办预约保单,十七、八世纪末叶由爱得华劳埃德创办的一家咖啡馆，后来逐步开展成为海上保险和航运业务的交易所。1871年以劳埃德公司的名义向政府注册，开展成为世界上最有影响的保险组织。它本身不承办保险业，其业务由参加该社取得会员资格的承保人办理。,Language Points,insurer,保险人；保险商,insurance company,保险公司,underwriter,保险,商,the insured,被保险人；投保人,insurant,保险人；投保人,assured,被保险人；投保人,applicant,投保申请人,proposer,投保申请人,proposal form,投保申请单,underwriters n.,保险人；保险商,handsome adj.,相当大的；可观的,a handsome sum of,一笔可观的金额,a large amount of,一笔可观的金额,Language Points,保险费是根据投保险别的保险费率计算的。,The premium is calculated according to the premium rate or rates for risks to be covered.,Insurance of the goods is to be covered by us for 110%of the CIF value,and any extra premium for additional insurance,if required,shall be borne by the buyers.,premium rebate,保险费回扣,premium tariff,保险费率表,extra premium,额外保险费,此种险别的保险费率是百分之一。,This risk is coverable at a premium of 1%.,premium n.,保险费,货物的保险将由我方以,CIF,价的,110%,投保。如果要求投保附加险，额外保险费将由买方自理。,rebate n.,回扣,Language Points,regarding prep.,关于,现随函附上我方目前可供给的、主要商品的最新出口清单一份。,We are enclosing the latest export list regarding the main items available at present.,coverage n.,承保范围；险别总称,insurance coverage,保险范围,我方按发票金额的,110%,投保仅至目的港。,Our insurance coverage is for 110%of invoice value up to the port of destination only.,Kindly note that the insurance covers FPA and War Risks only.Should additional insurance coverage be required,the extra premium incurred would be for the buyers,account.,请注意保险只包括平安险和战争险。如果要求投保附加险，所需额外保险费将由买方支付。,The Peoples Insurance Company of China,中国人民保险公司,缩写：,PICC,Language Points,Three Basis Risks,：,FPA Free From Particular Average 平安险,WPA With Particular Average 水渍险,All Risks 综合险；一切险,Other Additional Risks,：,Theft,Pilferage&Non-Delivery Risks(T.P.N.D),偷窃提货不着险,Fresh and/or Rain Water Damage Risks,淡水雨淋险,Shortage Risk=Risk of Shortage,短量险,Intermixture&Contamination Risks,混杂，沾污险,Leakage Risk=Risk of Leakage,渗漏险,Clash&Breakage Risks,碰损，破碎险,Taint of Odor Risk,串味险,Sweating&Heating,受潮受热险,Hook Damage Risk,钩损险,Rust Risk=Risk of Rust,锈损险,Breakage of Packing Risk,包装破损险,War Risk,战争险,Strikes,Riots and Civil Commotions(S.R.C.C.),罢工，暴动，民变险,Language Points,Partial loss 局部损失,Particular average 单独海损,General average 共同海损,Total loss 全部损失,Actual total loss 实际全损,Constructive total loss 推算全损,Chinese version of Letter,1,执事先生：,感谢你方五月十二日 按CIF条件报来100公吨羊毛。关于这笔交易，我们更喜欢你方按CFR条款给我方报盘。,顺便告知，我方已向伦敦劳埃德保险公司办理了预约保险。货物一经装运，我们只需将这一细节通知他们即可。此外，我们和该公司关系良好。通常我们定期地从该保险商那里收到一笔可观的保险费回扣。,同时，如蒙提供有关中国人民保险公司承保范围的详细情况以供我方参考，将不胜感谢。,期待早日收到你方的回复。,谨呈，,Sample Letters,Letter 2,Requesting for covering insurance,Language Points,insurance n.,保险,insurance clause,保险条款,insurance amount,保险额,insurance claim,保险索赔,insurance coverage,保险范围,insurance policy,保险单,俗称大保单，正规保单,insurance premium,保险费,insurance certificate,保险凭证,俗称小保单,insurance agent,保险代理人,insurance broker,保险代理人；保险经纪人,insurance declaration,保险声明书；保险通知书,insurance endorsement,保险批单,air transportation insurance,航运运输保险,marine insurance,海运险；水险；海上保险,ocean marine cargo insurance,海洋运输货物保险,overland transportation insurance,陆上运输保险,parcel post insurance,邮包保险,投保；办理保险的表达法,Language Points,to arrange insurance on the goods against risk for 110%of invoice value with the insurer,与保险商就,货物按发票金额的百分之十投保,险,to effect insurance,to provide insurance,to take out insurance,to cover insurance,insure v.,保险,to insure the goods against a risk,to insure a risk,to insure against a risk,the insured,被保险人,insured amount,保额,insured cargo,投保货物,insured goods,投保货物,Language Points,Relative Expressions,请投保一切险。,Please insure against all risk.,请投保平安险。,Please insure FPA.,我们已给这些货物投保水渍险。,We have insured the goods WPA.,我们已注意到你方愿意按发票金额的,10%,投保。我们正在洽办中。,We noted that you wish to insure shipment to you for 10%above invoice value,，,which is having our due attention.,我们将为你方所订货物投保偷窃、提货不着险。,Language Points,We shall cover TPND on your order.,你方货物适合投保水渍险和破碎险。,W.P.A.plus Risk of Breakage suit your consignment.,We prefer selling on CIF basis but for this transaction we would like you to effect insurance on your side.,我们喜欢按,CIF,价格卖货，但对这笔交易我们希望由你方在你处投保。,请投保一切险，因为水渍险范围太窄。,Please insure against All Risks as W.P.A.is too narrow a coverage.,Language Points,2.simplify procedures,简化手续，简化程序,3.refund v.退款，归还,4.debit note,索款通知单，借方通知,debit an amount to ones account,把一笔金额记入某人帐户的借方,debit ones a