外贸函电Unit 11 Insurance.ppt

unit 11 insurance q1: whats insurance? loxford english-chinese dictionary: guarantee of compensation for loss, damage, sickness, death, etc. in return for regular payment l国际贸易实务：保险是一种经济补偿制度，被保 险人向保险人支付一定的保险费，而保险人则对被保 险人将来可能遭受的承保范围内的损失负赔偿责任。 q1: whats insurance? ltextbook: insurance provides a pool or fund into which the many contribute and out which the few who suffer loss are compensated. lpool :集中在一起的款额，共同储金 q2: why do we need insurance in international trade? lin international trade, the goods usually have to be transported for very long distances. during the transportation, the goods may encounter various kinds of perils and the owner may suffer losses. lin order to prevent suffering from losses, before the transportation of goods, the buyer or the seller usually applies to an insurance company for cover of the goods in transit. las far as foreign trade is concerned, what mainly concerns is still the marine insurance. for sea transportation is the most ancient and economical means of transport, and the marine insurance is the earliest developed insurance. loss or damage at sea total loss partial loss actual total loss constructive total loss general average particular average losses at the sea relative words and phrases lperils of the sea 海上风险 lnatural calamity 自然风险 lfortuitous accidents 意外事故 lextraneous risks 外来风险 险别包括基本险(basic risks) 和 附加险（additional risks） basic covers against perils of the sea lfree from particular average(f.p.a.)平安险 lwith (particular) average(w.a. or w.p.a.) 水渍险 lall risks 一切险 free from particular average(f.p.a.)insurance lthe insurance company will be responsible to pay claims for total or constructive total losses suffered by the whole lot of cargoes during the transportation due to such natural calamities as vile weather, thunder and lightning, tidal wave, earthquakes, and floods, or for total or partial losses due to the ship or carrier being fire, stranded, sinking, colliding or meeting other fortuitous. lthe insurance company will also be responsible, when losses are incurred in the course of loading or unloading, for instance, when one or several whole parcels of the goods are dropped into the sea and are considered lost, or when general average is incurred, i.e. when losses or expenses are incurred in the common interest. l平安险不承担单独海损的赔偿，是一种范围较窄的险别，不 承担部分海损。只提供类似船只搁浅等实际海损所引起的全 损及共同海损的赔偿。 free from particular average(f.p.a.)insurance with particular average(w.p.a.)insurance lthe cover under this insurance is more extensive. the insurer is liable also for the partial losses of the insured goods due to the risks caused by natural calamities mentioned under f.p.a. insurance. l水渍险对整个保险期间内由海难引起的全部损 失或损坏提供广泛保险。 all risks(a.r.) insurance lamong the three kinds of basic insurance, under an “all risks“ policy the goods are insured against all risks, e.g. from natural calamities, fortuitous accidents at sea, or general extraneous risks, irrespective of percentage of loss, total or partial. a natural deterioration of perishable goods, delay, loss or damage caused by inherent vice or nature of the subject matter are not covered. l一切险承担不管是海难还是一般外来险原因所 造成的被保之物的全损或部分损失的赔偿责任 。一切险除包括共同海损和单独海损责任外， 保险公司对被保险货物在运输途中由于外来原 因造成的短少，短量，渗漏，碰碎，钩损，雨 淋，生锈，受潮，受热，发霉，串味，玷污等 全部或部分损失也负责赔偿。“一切险”是保险 上的一个特定名词，不应该认为所有可能发生 的危险都已包括在内，比如它就不包括战争险 ，不合格包装，内在缺点等。 附加险包括： l一般附加险（general additional risks ） l特殊附加险（special additional risks） general additional risk lshortage risk 短量险 ltheft, pilferage and non- delivery(t.p.n.d.) 偷窃、提货不着险 lfresh &/or rain water damage risk 淡水 雨淋险 lleakage risk 渗漏险 lintermixture and contamination risk 混 杂、沾污险 lclash and breakage risk 碰损、破碎险 lbreakage of packing risk 包装破损险 lsweat and heating risk 受潮、受热险 lrust risk 锈损险 ltaint of odor risk 串味险 lhook damage risk 钩损险 general additional risk general additional risk lwar risk 战争险 lstrikes risk 罢工险 lfailure to delivery risk 交货不到险 lon deck risk 舱面险 limport duty risk 进口关税险 lrejection risk 拒收险 laflatoxin 黄曲霉素险 special additional risk lthe peoples insurance company of china(picc) 中国人民保险公司 lchina insurance clause(cic) 中国保险条 款 linstitute cargo clause(icc) 伦敦保险业 协会条款 relative words and phrases linsured amount 保险金额 linsurance policy 保险单 linsurance certificate 保险凭证 lcombined certificate 联合凭证 lopen policy 预约保单 relative words and phrases 1. cover insurance 投保，办理保险 2.review: refer sb/sth to sb/sth 将某人或事 物提交某人或事物寻求帮助 3.on a cfr basis 以cfr方式 4.at your end 你处 importer asks exporter importer asks exporter to cover insuranceto cover insurance letter 1 5.on ones behalf=on behalf of sb 6.insure the goods against sth. 7.debit note 索款通知 importer asks exporter importer asks exporter to cover insuranceto cover insurance letter 1 exporters response of exporters response of having covered insurancehaving covered insurance letter 2 1.effect insurance /effect shipment 2.the captioned shipment 标题货物 3.for your account 由你方承担、付费 e.g. the additional charges will be for buyers account. 4.forward=send inquiring about inquiring about insurance rate insurance rate letter 3 1.insurance rate=policy rate=premium rate 2.quote us a rate of 向我方报上费率 3.to issue a policy informing customer of informing customer of insurance rateinsurance rate letter 4 1. in question 有关的，提到的 2.declared value 申报金额 applying for insurance applying for insurance letter 5 1.sign a general policy 签一份普通保单 2.together with 连同，与一起 3.we shall appreciate it if you could 如 蒙，将不胜感激 asking for charge asking for charge letter 6 1. on your instructions 按照你方指示 保险单式样 海洋货物运输保险单 marine cargo transportation insurance policy 发票号码 保险单号次 invoice no policy no this policy of insurance witnesses that the peoples insurance company of china(hereinafter called “the company”), at the request of .(hereinafter called “the insured”) and in consideration of the agreed premium being paid to the company by the insured, undertakes to insure the undermentioned goods in transportation subject to the conditions of this policy as per the clause printed overleafend and other special clauses attached hereon. total amount insured premiumrateper conveyance s.s slg. on or abt.from.to. conditions claims, if any, payable on surrender of this policy together with other relevant documents. in the event of accident whereby loss or damage may result in a claim under this policy immediate notice applying for survey must be given to the companys agent as mentioned hereunder: claim payable at. the peoples insurance company of china address of issuing office date. 标记 包装及数量 保险货物项目 保险金额 marks & nos. packing & quantity description of goods amount insured lto insure (cover)against please cover the goods against all risks and war risks. useful expressing useful expressing llook for insurance from向投保 we are loo