unit 12 保险 商务信函的写作 ppt 外贸函电

Unit 12 Insurance保险12.1 Introduction（简介）目的：掌握如何向保险公司进行投保，以及一旦发生损失，如何进行索偿。货物运输保险是指投保人（ Insured）在货物装运前向保险人（ Insurer）投保，即办理保险手续（ Insurance Formalities）、选择保险险别（ Coverage）、确定保险金额（ Insurance Amount）、支付保险费（Premium）并领取保险单证（ Insurance Documents）的过程。此后，如果投保货物在运输中遇险而发生损失，则承保人应负责对投保险别范围内的损失进行经济补偿。 保险合同（ Insurance Contract）常采用大保单（ Insurance Policy）的形式，指保险合同的保险人同意接受风险而向投保人提供风险保障，在投保人支付一定的保费后，保险人同意在被保险货物受损时支付合同中规定的金额或比例。保费（Premium）是由被保险人支付的一笔钱，一般是货物金额的一定比例。对于 FOB和 CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。对于 CIF交易，习惯上由出口方按发票金额（ Invoice Value）的 110%投保一切险（ All Risks），即100%是 CIF发票总值， 10%是合理的利润和其他费用。有时，进口方要求投保的金额会超过 110%，此时，额外保险费应由进口方承担（ For the buyers account）。一旦投保货物在运输中发生投保险别范围内的损失，须向保险公司或其代理人立即提出保险索赔（Insurance Claim）。为了落实货物的正常索赔，保险索赔时需要提交以下文件：保险单（Insurance Policy）或保险凭证（ Insurance Certificate）、提单（ Bill of Lading）、原始发票（ Original Invoice）、检验报告（ Survey Report）、船长声明书（ Masters Protest）和索赔报告书（ Statement of Claim）等。中国人民保险公司（ PICC） 制定的中国保险条款（ China Insurance Clauses略称 C.I.C.）中的海洋运输货物保险条款所包括的三个基本险别：平安险（ Free from Particular Average， FPA）水渍险（ With Particular Average， WPA） 和一切险（ All Risks） 。 除以上三种基本险别外，还有附加险（ Extraneous Risks），包括一般附加险、特殊附加险和特别附加险。常见的一般附加险有 11种，分别为：Theft, Pilferage and Non-Delivery Risks（简称 T.P.N.D.或TPND）偷窃、提货不着险Fresh and/or Rain Water Damage Risks淡水雨淋险Shortage Risk或 Risk of Shortage短量险Intermixture and Contamination Risks混杂、沾污险Leakage Risk或 Risk of leakage渗漏险Clash and Breakage Risks碰损、破碎险Hook Damage Risk钩损险Rust Risk或 Risk of Rust锈损险Breakage of Packing Risk包装破裂险Sweating and Heating Risks受潮受热险Taint of Odor Risks串味险常见的特殊附加险有 2种，分别为：War Risk战争险Strikes Risk罢工险常见的特别附加险有 6种，分别为：Failure to Delivery Risk交货不到险Import Duty Risk进口关税险On Deck Risk舱面险Rejection Risk拒收险Aflatoxin Risk黄曲霉素险Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong, including Kowloon or Macao出口到港、澳地区（包括九龙）的货物存仓火险 12.2 Writing Skills（写作技巧）进口方写给出口方请其代办保险信函的写作步骤及常见表达方式：写作步骤 表达方式 （ 1）说明某合同项下来函 We wish to refer you to （请参阅 。） We are pleased to inform you that （很高兴告知 。） （ 2）说明所投保的险别，确定投保的金额 Please see to it that the insurance is covered for % of the invoice value against （请务必保证，该批货物投保金额为发票金额的 % ，投保险别为 。）As we now desire to have the consignment insured at your end, we shall be much pleased if you will kindly arrange to insure the goods on our behalf against at invoice value plus %, amounting to （我们希望在你处投保，如果你方能够代我方按照发票金额加成 % ，投保 （险别），总计金额为 ，我方将不胜激。） （ 3）告知保险费的支付办法 We shall of course refund the premium to you upon receipt of your debit note.（当然，一收到你方的还款通知，我方立即将保险费退还你方。） If you like, you may draw on us at sight for the amount required.（如果你方愿意，你方可以开立一张该金额的即期汇票向我方索款。） As we understand that as per your customary practice, you only insure the shipment for 10% above the invoice value, the extra premium for additional coverage shall be for our account.（我们知道按照你方的惯例，你方仅对货物发票金额加一成投保，而附加险的额外保险费将由我方承担。） （ 4）进一步提出办理保险的要求 We sincerely hope that our request will meet with your approval.（我们希望此要求能得到你方同意。） Please arrange insurance according to our request.（请按我方要求办理投保。） 出口方回复进口方请其代办保险信函的写作步骤及常见表达式：写作步骤 表达方式 （ 1）确认对方要求办理保险的来函 This is to acknowledge receipt of requesting us to effect insurance on the shipment for your account.（收到你方 日来函，要求我方对该批货物代办保险。） We have received your letter of, asking us to insure the goods for an amount of % above the invoice value.（我们已经收到你方 日来函，要求我方对该货物按发票金额加成% 投保。） （ 2）告知对方保险条款、投保险别、保险金额、保险单据等 We are pleased to inform you that we have covered the shipment with against for （很高兴告知，我方已向 办理投保手续，投保 （险别），投保金额为 。） Although it is our usual practice to take out insurance for the invoice value plus 10%, we are prepared to comply with your request for getting cover for 130% of the invoice value.（尽管我们的惯例是按照发票金额 110%投保，但是此次我们准备同意你方要求对该批货物按发票金额的 130%投保。） （ 3）说明保险费的偿付问题 The policy is being prepared accordingly and will be forwarded to you by next Tuesday together with our debit note for the premium.（我方准备将相应的保单及我方关于保险费的索款通知单，于下周二寄送你方。 The extra premium will be for your account.（额外的保险费将由你方负担。） 投保人写给保险公司信函的写作步骤及常见表达式： 写作步骤 表达方式 （ 1）说明写信的目的（关于保险信息或要求特惠保险费率等） We have known that your company is the largest insurance company in China.（我们已得知贵公司是中国最大的一家保险公司。） We write this letter to you in the hope of getting some information about the special rate of insurance.（特致函，希望获得有关特惠保险费率的信息。） （ 2）提出保险要求（保险险别、保险金额、保险费率等） We wish to insure with your company a shipment ofvalued at against （我们希望就 （货物），货值为 ，向你方办理投保 （险别）。 Would you please tell us whether you can cover All Risks for the consignments？（请告知能否对该货物投保一切险 ?）We wish to know whether you can issue a special rate for shipments.（我们希望知道贵公司能否对该货物给予特惠保险费率。）（ 3）希望对方同意保险要求，并盼早日回复 We shall appreciate it if the goods could be insured at favorable rate.（如蒙该货物能以优惠保险费率投保，我们将不胜感激。） We shall appreciate it if the goods could be insured at favorable rate.（如蒙该货物能以优惠保险费率投保，我们将不胜感激。） 保险公司回复投保人信函的写作步骤及常见表达式：写作步骤 表达方式 （ 1）确认对方来函收悉 We have acknowledged receipt of your letter ofand are pleased to note your readiness to insure with us a shipment of （我们已经收到你方 日来函，很高兴得知你方就 （货物）向我方投保。） We are pleased to receive your letter ofin regard to insurance. In reply, we would like to inform you of （很高兴收到你方 日关于保险的来函，在此，我们欣然告知 。） （ 2）告知保险条款及保险要求（保险险别、保险金额、保险费率等） The prevailing rate for the shipment againstis %, subject to Ocean Marine Cargo Clauses.（目前，根据海洋运输货物保险条款规定，该货物投保 险的保险费率是 %。） Generally we cover insurancein the absence of definite instructions from our clients. If you desire to cover, we can provide such coverage at a slightly higher premium.（通常，如若没有客户的明确指示，我们承保 ，如果你方希望投保 ，我们将以稍高一点的保险费率承保。） （ 3）表示希望对方及时确认 If you find our rate acceptable, please let us know.（如果你方认为我们的保险费率可以接受，请告知。） We trust the information will serve your purpose and await your further news.（相信该信息能满足你方要求，等候你方的进一步消息。） 12.3 Specimen Letters（样函）Letter 1： The importer asks the exporter to cover insuranceDear Sirs,Re: Our Order No.101. Your S/C No.013 Covering 500 Cases Electronic ToysWe wish to refer you to our Order No.101 for 500 cases electronic toys, from which you will see that this order was placed on CFR basis.As we now desire to have the consignment insured at your end, we shall be much pleased if you will kindly arrange to insure the goods on our behalf against All Risks at invoice value plus 10%, that is, USD2 200.00.We shall of course refund the premium to you upon receipt of your debit note or, if you like, you may draw on us at sight for the amount required.We sincerely hope that our request will meet with your approval.Yours truly,Letter 2： A reply to the aboveDear Sir/ Madam,Re: Your Order No.101 for 500 Cases Electronic ToysThis is to acknowledge receipt of your letter dated July 20, requesting us to effect insurance on the captioned shipment for your account.We are pleased to inform you that we have covered the above shipment with the Peoples Insurance Company of China against All Risks for USD2 200.00. The policy is being prepared accordingly and will be forwarded to you by next Tuesday together with our debit note for the premium.Yours sincerely,Letter 3： The requirement to increase the rate of insuranceDear Sirs,We refer to the 4 000 cases of iron nails under Sales Contract No.214 and are pleased to inform you that we have established with the Bank of China, New York Branch the confirmed, irrevocable L/C No.231 in the amount of USD6 813, valid up to May 15th.Please see to it that the above-mentioned goods are to be shipped before May 15th and the insurance is covered for 130% of the invoice value against All Risks. As we understand that as per your customary practice, you only insure the shipment for 10% above the invoice value, and the extra premium for additional coverage shall be for our account.Please arrange insurance according to our request and meanwhile we are expecting your shipping advice.Yours faithfully, Letter 4： A reply to the aboveDear Sirs,We have received your letter of January 23, asking us to insure the captioned goods for an amount of 130% above the invoice value.Although it is our usual practice to take out insurance for the invoice value plus 10%, we are prepared to comply with your request for getting cover for 130% of the invoice value.But the extra premium will be for your account.Please take note of the above. Yours faithfully,Letter 4： A reply to the aboveDear Sirs,We have received your letter of January 23, asking us to insure the captioned goods for an amount of 130% above the invoice value.Although it is our usual practice to take out insurance for the invoice value plus 10%, we are prepared to comply with your request for getting cover for 130% of the invoice value.But the extra premium will be for your account.Please take note of the above.Yours faithfully,Letter 5： Application for insuranceDear Sirs,Knowing that your company is the largest insurance company in China with branches and sub-branches throughout the country and survey and claim settling agents in major ports of the world. We, China Arts and Crafts Import and Export Corporation, wish to insure with your company a shipment of Chinese porcelain valued at USD780 000 on board the vessel Hongyuan against all risks, bound from Shanghai to Genoa sailing on 20th March.We shall appreciate it if the goods could be insured at favorable rate.Yours truly, Letter 6： A reply to the aboveDear Sirs,We have acknowledged receipt of your letter of 20th and are pleased to note your readiness to insure with us a shipment of Chinese porcelain from Shanghai to Genoa by sea.The prevailing rate for the proposed shipment against All Risks including War Risks is 0.5%, subject to our own Ocean Marine Cargo Clauses and Ocean Marine War Risks Clauses. Copies thereof are enclosed herewith for your reference.If you find our rate acceptable, please let us know, preferably, by cable, the details of your shipment so that we may issue our policy accordingly.Yours truly,Letter 7： Asking for the information about special rate of insuranceDear Sirs,We write this letter to you in the hope of getting some information about the special rate of insurance.Regularly we arrange consignment of chinaware to Sydney, Australia by both passenger and cargo liners of the International Shipping Line. Would you please tell us whether you can cover All Risks for the consignments and, if so, on what terms? Particularly, we wish to know whether you can issue a special rate for the promise of regular monthly shipments.We are awaiting your early reply.Yours faithfully,Letter 8： A reply to the above opening rateDear Sirs,We are pleased to receive your letter of June 25 in regard to insurance. In reply, we would like to inform you of the following.(1) All Risks. Generally we cover insurance WPA and War Risks in the absence of definite instructions from our clients. If you desire to cover All Risks, we