外贸英语函电chapter ten insurance

Different Insurance Clauses Different ways of expressing the insured amount Three basic Risks Other Additional Risks Insurance Policy/ Certificate Open Policy CoverageChapter Nine Insurance Main & Difficult PointsKey Wordsinsurance risk averagecover coverage openpolicy premium Sample LettersLetter 1 Taking out an open policy Language Points1. open policy 预约保单 ，船名未确定保单2. 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 3. the particulars 细节；详细情况 4. 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，后来逐步发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，发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5. underwriters n. 保险人；保险商 6. 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 Points1) 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. 3) 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2) 此种险别的保险费率是百分之一。 This risk is coverable at a premium of 1%. 7. 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。 8. rebate n. 回扣 Language Points9. regarding prep. 关于 1) 现随函附上我方目前可供应的、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. 10. 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。 1) Our insurance coverage is for 110% of invoice value up to the port of destination only. 2) 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。 11. The Peoples Insurance Company of China 中国人民保险公司缩写： PICC Language Points12. Three Basis Risks： 1. FPA （ Free From Particular Average） 平安险2. WPA （ With Particular Average） 水渍险3. All Risks 综合险；一切险13. 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 部分损失 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：感谢你方七月十二日来函按 CIF条件报来 500公吨肠衣。然而很抱歉，我们宁愿你方按 CFR条款给我方报价或报盘。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，将不胜感激。谨呈， Sample LettersLetter 2 Effecting insurance for the buyer Language Points1. 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q 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 q 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 Pointsq Relative Expressions1) 请投保一切险。 Please insure against all risk. 2) 请投保平安险。 Please insure FPA. 3) 我们已给这些货物投保水渍险。 We have insured the goods WPA.4) 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. 5) 我们将为你方所订货物投保偷窃、提货不着险。 Language PointsWe shall cover TPND on your order.6) 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.7) 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。8) 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.2. for ones account 由 支付 Language Points for ones account to be borne by to be responsible1) 额外运费由买方负担。 The extra freight is to be for buyers account.2) 这批货物是我们代我分公司购买的。 We bought the goods for the account of our branch office.3) 按常规，额外保险费应由买方负责。As a rule, the extra premium involved will be for buyers account.3. cover v. n. 保险 Language Points coverage n. 承保范围；险别总称 insurance coverage 保险范围 to cover insurance 办理保险 to hold sth covered 办理保险 degree of cover 保险范围 extent pf cover 保险范围1) 我们已办理了必要的保险。 We have arranged the necessary insurance cover.2) 保险将由买方办理。Insurance is to be covered by the buyers.3) 对这种性质的货物只投保水渍险是不够的，请加保偷窃提货不着险。W.P.A. coverage is too narrow for a shipment of this nature. Please extend the coverage to include TPND.除了水渍险和战争险外，你们还保其它险吗？ Language Points4) Do you cover risks other than W.P.A. and War Risk?5) 对离岸价格及成本加运费价格条件的卖货，保险由买方办理。 For FOB and C&F sales, insurance is to be covered by buyers.4. accordingly adv. 相应地；按照 办理 1) As soon as we receive the above consignment we shall be in a position to assess our requirements with greater accuracy and place an order accordingly. 一经收到上述货物，我们就能比较准确地决定我们的需求并提出相应的订货。 5. debit note 借方通知；索款通知单 debit an amount to ones account 把一笔金额记入某人帐户的借方 debit ones account with an amount 把一笔金额记入某人帐户的借方1) His account with the Bank of China had been debited with the sum of $5 for half-yearly bank charges. 中国银行把一笔五美元的帐记入他的帐户的借方，作为半年的银行手续费。 Chinese version of Letter 2执事先生：事由：你方第 1023号订单订购的 500箱玩具你方七月二十三日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。兹欣然通知你方：我们已与中国人民保险公司就上述货物投保了一切险，金额为 9， 800美元。保险单正在缮制中并将在本月底连同我方保险费索款通知单一并寄给你方。顺便告知，我们正在安排将这 500箱玩具装运到八月十二日起航的 “太湖 ”轮上。谨呈， Sample LettersLetter 3 Asking the recipient to cancel breakage risk1. Additional /extraneous risk 附加险 1) Risk of Breakage 破碎险 Language Points2. breakage 破碎险2) Risk of Breakage is classified under extraneous risks.破碎险属于一般附加险。3) We can cover the Risk of Breakage for you.我们可以为你们加保破碎险。3. Insurance item 保险条款 /项目 Language Points4. Franchise 特权；免赔率5. Survey v. 鉴定；检查；核实To grant a franchise to.赋予特权A franchise of 3% .免赔率 3% Chinese version of Letter 3执事先生：附加险：破碎险我方刚刚收到你方有关蜡光磁砖的第 123号信用证。请注意第 AD134号合同中的保险条款，我方对这种商品不投保破碎险。因此，请你方从信用证条款中删除 “破碎险 ”字样。此外，我们需指出的一点是诸如窗玻璃、瓷器之类的商品，即使已投保了破碎险，这种险别也有 5%的免赔率。换言之，经调查核实，如果破碎率不足 5%，则不予受理损失索赔。我们相信情况已经明确，请立即电传修改信用证。谨呈， Sample LettersLetter 4 Insurance company writes to insurer1. Inform sb. of sth. 告知某人某事 Language Points2. Extraneous risk 附加险3. Rate=insurance rate=premium rate 保险费率at the rate of 15% 保险费率为 15%4. irrespective adv