Chapter 09 Insurance.ppt

DifferentInsuranceClausesDifferentwaysofexpressingtheinsuredamountThreebasicRisksOtherAdditionalRisksInsurancePolicy CertificateOpenPolicyCoverage ChapterNineInsurance Main DifficultPoints SpecimenLetter1 DearSir WethankyouforyourletterofJuly12 quotingus500metrictonsofIntestineCasingonCIFterms Withregardtothistransaction however weprefertohaveyouroffersonCFRterms Foryourinformation wehavetakenoutanopenpolicywiththeLloydInsuranceCompany London Whenashipmentismadeweshallinformthecompanyoftheparticularsforcertain Furthermore weusuallyreceivefromourunderwritersquiteahandsomepremiumrebateatregularintervals Inthemeantime wouldyoupleasesupplyuswithfulldetailsregardingthescopeofcoverhandledbythePeople sInsuranceCompanyofChinaforourreference Welookforwardtohearingfurtherfromyouatanearlydate Yoursfaithfully LanguagePoints openpolicy预约保单 船名未确定保单 theLloydInsuranceCompany劳埃德保险公司 theparticularsofthefulldetailsof 的全部细节 的详细情况 theparticulars细节 详细情况 intestinecasingn 肠衣 effectanopenpolicywith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 LanguagePoints insurer保险人 保险商insurancecompany保险公司underwriter保险商theinsured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proposalform投保申请单 underwritersn 保险人 保险商 handsomeadj 相当大的 可观的 ahandsomesumof一笔可观的金额alargeamountof一笔可观的金额 LanguagePoints 保险费是根据投保险别的保险费率计算的 Thepremiumiscalculatedaccordingtothepremiumrateorratesforriskstobecovered Insuranceofthegoodsistobecoveredbyusfor110 oftheCIFvalue andanyextrapremiumforadditionalinsurance ifrequired shallbebornebythebuyers premiumrebate保险费回扣premiumtariff保险费率表extrapremium额外保险费 此种险别的保险费率是百分之一 Thisriskiscoverableatapremiumof1 premiumn 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 rebaten 回扣 LanguagePoints regardingprep 关于 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 Weareenclosingthelatestexportlistregardingthemainitemsavailableatpresent coveragen 承保范围 险别总称 insurancecoverage保险范围 我方按发票金额的110 投保仅至目的港 Ourinsurancecoverageisfor110 ofinvoicevalueuptotheportofdestinationonly KindlynotethattheinsurancecoversFPAandWarRisksonly Shouldadditionalinsurancecoverageberequired theextrapremiumincurredwouldbeforthebuyers 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 ThePeople sInsuranceCompanyofChina中国人民保险公司缩写 PICC LanguagePoints ThreeBasisRisks FPA FreeFromParticularAverage 平安险WPA WithParticularAverage 水渍险AllRisks综合险 一切险 OtherAdditionalRisks Theft Pilferage Non DeliveryRisks T P N D 偷窃提货不着险Freshand orRainWaterDamageRisks淡水雨淋险ShortageRisk RiskofShortage短量险Intermixture ContaminationRisks混杂 沾污险LeakageRisk RiskofLeakage渗漏险Clash BreakageRisks碰损 破碎险 TaintofOdorRisk串味险Sweating Heating受潮受热险HookDamageRisk钩损险RustRisk RiskofRust锈损险BreakageofPackingRisk包装破损险WarRisk战争险Strikes RiotsandCivilCommotions S R C C 罢工 暴动 民变险 LanguagePoints Partialloss部分损失Particularaverage单独海损Generalaverage共同海损Totalloss全部损失Actualtotalloss实际全损Constructivetotalloss推算全损 Analyzingtheletter ParagraphOne identifyingthereferenceParagraphTwo statingthereasonforrequirementforCFRtermsParagraphThree askingforthefulldetailsofcoveragehandledbyPICCParagraphFour theclosingsentenceoftheletter Chineseversionoftheletter 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 WritingSteps theopeningsentenceoftheletteradvisingtherecipientoftheestablishmentofL Caskingforpunctualdeliveryclosingsentencetheletter SpecimenLetter2 DearSir Re YourOrderNo 1023for500CasesToysWehavereceivedyourletterdated23Julyrequestingustoeffectinsuranceonthecaptionedshipmentforyouraccount WearepleasedtoinformyouthatwehavecoveredtheaboveshipmentwiththePeople sInsuranceCompanyofChinaagainstAllRisksfor 2 300 Thepolicyisbeingpreparedaccordinglyandwillbesenttoyoubytheendofthisweektogetherwithourdebitnoteforthepremium Foryourinformation wearemakingarrangementstoshipthe500casesoftoysbyS STaiHu sailingonorabout12ofAugust Yourstruly LanguagePoints insurancen 保险 insuranceclause保险条款insuranceamount保险额insuranceclaim保险索赔insurancecoverage保险范围insurancepolicy保险单 俗称大保单 正规保单insurancepremium保险费insurancecertificate保险凭证 俗称小保单insuranceagent保险代理人insurancebroker保险代理人 保险经纪人insurancedeclaration保险声明书 保险通知书insuranceendorsement保险批单airtransportationinsurance航运运输保险marineinsurance海运险 水险 海上保险oceanmarinecargoinsurance海洋运输货物保险overlandtransportationinsurance陆上运输保险parcelpostinsurance邮包保险 投保 办理保险的表达法 LanguagePoints toarrangeinsurance onthegoodsagainst riskfor110 ofinvoicevaluewiththeinsurer与保险商就 货物按发票金额的百分之十投保 险toeffectinsurance toprovideinsurance totakeoutinsurance tocoverinsurance insurev 保险 toinsurethegoodsagainstarisktoinsurearisktoinsureagainstarisk theinsured被保险人insuredamount保额insuredcargo投保货物insuredgoods投保货物 LanguagePoints RelativeExpressions 请投保一切险 Pleaseinsureagainstallrisk 请投保平安险 PleaseinsureFPA 我们已给这些货物投保水渍险 WehaveinsuredthegoodsWPA 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 Wenotedthatyouwishtoinsureshipmenttoyoufor10 aboveinvoicevalue whichishavingourdueattention 我们将为你方所订货物投保偷窃 提货不着险 LanguagePoints WeshallcoverTPNDonyourorder 你方货物适合投保水渍险和破碎险 W P A plusRiskofBreakagesuityourconsignment WeprefersellingonCIFbasisbutforthistransactionwewouldlikeyoutoeffectinsuranceonyourside 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 PleaseinsureagainstAllRisksasW P A istoonarrowacoverage forone saccount由 支付 LanguagePoints forone saccounttobebornebytoberesponsible 额外运费由买方负担 Theextrafreightistobeforbuyer saccount 这批货物是我们代我分公司购买的 Weboughtthegoodsfortheaccountofourbranchoffice 按常规 额外保险费应由买方负责 Asarule theextrapremiuminvolvedwillbeforbuyer saccount coverv n 保险 LanguagePoints coveragen 承保范围 险别总称insurancecoverage保险范围tocoverinsurance办理保险toholdsthcovered办理保险degreeofcover保险范围extentpfcover保险范围 我们已办理了必要的保险 Wehavearrangedthenecessaryinsurancecover 保险将由买方办理 Insuranceistobecoveredbythebuyers 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 coverageistoonarrowforashipmentofthisnature PleaseextendthecoveragetoincludeTPND 除了水渍险和战争险外 你们还保其它险吗 LanguagePoints DoyoucoverrisksotherthanW P A andWarRisk 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 ForFOBandC Fsales insuranceistobecoveredbybuyers accordinglyadv 相应地 按照 办理 Assoonaswereceivetheaboveconsignmentweshallbeinapositiontoassessourrequirementswithgreateraccuracyandplaceanorderaccordingly 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 debitnote借方通知 索款通知单 debitanamounttoone saccount把一笔金额记入某人帐户的借方debitone saccountwithanamount把一笔金额记入某人帐户的借方 HisaccountwiththeBankofChinahadbeendebitedwiththesumof 5forhalf yearlybankcharges 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 Analyzingtheletter ParagraphOne identifyingthereferenceParagraphTwo informingthebuyerthattheyhaveeffectedinsuranceforbuyer saccountParagraphThree theclosingsentenceoftheletter Comments ThecustomeriscausingadelaybynotissuingtherequisiteL C Thisletterispolitebutconveysthecorrectnoteofurgency TherecanbenoprogressuntiltheL Cisdelivered Chineseversionoftheletter 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 WritingSteps identifythereferenceandthegoodsinformingtherecipientthattheyhaveeffectedinsuranceforhisaccountasktherecipienttopaythepremium SpecimenLetter3 DearSirRe InsuranceWethankyouforyourletterofFebruary24regardinginsurance andtherelativedetailsasfollows AllRisks GenerallywecoverinsuranceWPAandWarRiskintheabsenceofdefiniteinstructionsfromourclients IfyouwanttocoverAllRisks wecanprovidesuchcoverageataslightlyhigherpremium Breakage Breakageisaspecialrisk forwhichanextrapremiumwillhavetobecharged Thepresentrateisabout0 7 Claimsarepayableonlyforthatpartoftheloss thatisover5 Valuetobeinsured Wenotethatyouwishustoinsureshipmentstoyoufor10 aboveinvoicevalue whichishavingourdueattention Wetrusttheaboveinformationwillbehelpfulandawaityourfurthernews Yourstruly uptotheinlandcity到内陆城市 只有在你方同意将此货装在小箱内的条件下 我们才能接受你方的报盘 LanguagePoints onconditionthat只有在这样条件下 Wehavepersuadedourmanufacturertoacceptthisorderforanearliershipmentasrequestedbyyou onconditionthatthecoveringL CshouldarriveherebytheendofJune Weacceptyourofferonconditionthatyouagreetopackthegoodsinsmallcases 我们已说服我制造厂家接受你方要求早期交货的请求 条件是有关的信用证应在六月底前开到 extrapremium额外保费 LanguagePoints intheabsenceofph 在没有 的情况下 在缺乏 的情况下 在买方没有具体要求的情况下 我们一般投保水渍险和战争险 definiteinstructions明确指示 WeusuallycoverinsuranceW P AandagainstWarRisksintheabsenceofthebuyers detailedrequirements ataslightlyhigherpremium较高的保险费率 invoicevalue发票金额 for110 ofinvoicevalue按发票金额的110 for10 aboveinvoicevalue在发票价值上加10 atinvoicevalueplus10 按发票价值另加10 premiumrate保险费率rateofcommission佣金率 请按发票金额百分之一百一十投保 LanguagePoints grantv 同意 准予 Therequestwasgrantedinaccordancewithinternationallaw 根据国际法他们答应了这项要求 他们拒绝给予我们长期信贷 Theyrefusedtograntuslong termcredit 考虑到这种商品的初次交易 我方可给百分之五的佣金 grantone srequest同意某人的请求 Wewillgrantyoua5 commissionwithaviewtoinitiatingbusinessinthisline AnalyzingtheLetter ParagraphOne identifyingthereferenceandthegoodsParagraphTwo decliningbuyer srequestandexplainingthereasonsParagraphThree statingotherinsuranceitemsParagraphFour statingsomethingaboutthevalueinsuredParagraphFive theclosingsentenceoftheletter Comments This Chineseversionoftheletter 执事先生 事由 保险兹答复你方二月二十四日关于保险事宜的来函 我方愿意告知你方下列事宜 你客户要求投保到内陆城市的请求可以接受 但条件是由此而导致的额外保险费由买方自行负担 在客户没有明确指示的情况下 我们一般投保水渍险和战争险 倘若你方想投保战争险 我们可以提供这种险别 但保险费率能稍高一些 由于破碎险是一种特殊险别 必须收取额外保费 现行费率为0 7 索赔赔偿只赔偿超过5 的那部分 关于保险价值 我们不能同意你方按发票金额150 投保的要求 因为合同规定保险是按按发票金额110 投保 相信上述信息对你方会有帮助并等待你方进一步的消息 谨呈 WritingSteps identifythereferenceandthegoods PracticeLessons Completethesentenceswiththeappropriatewordsgivenbelow PleaseagainstAllRisks ThisinsurancepolicyusagainstTPND WewillWPAinsurance cover covered covers covering coverage insure insurance effected Thedocumentswillbesenttoyouunderseparate WehavetopointoutthatourletterofMarch11hasfullythismatter WesendyouherewithacopyofB Lshipmentof50metrictonsWalnuts insure covers cover cover covered covering PracticeLessons WehavepleasureinadvisingshipmentofyourOrderNo 235450 metrictonsofSmallRedBeans Insuranceonthegoodsshallbebyusfor110 oftheCIFvalue Weshallprovidesuchatyourcost InsuranceistobebythebuyersunderFOBterms Wehavearrangedthenecessarycover Regardinginsurance theisfor110 ofinvoicevalueuptotheportofdestination cover covered covers covering coverage insure insurance effected covering covered effected coverage insurance effected covered insurance coverage PracticeLessons Fillintheblankswiththeappropriatewords Weregretourinabilitytowiththebuyer srequestforcoveringinsurancefor150 oftheinvoicevalue becauseourcontractstipulatedthatthegoodsshouldbecoveredfor110 ofinvoicevalue Sincethepremiumvarieswiththeextentof extrapremiumisforbuyer saccount shouldadditionalrisksbe Shoulddamageoccur youmayputinaclaimwithin30daysafterthearrivaloftheconsignment Regardinginsurance thecoverageis110 ofinvoicevalueuptotheportofdestinationonly Buyer srequestforinsurancetobecovereduptotheIslandcitycanbeacceptedonconditionthatsuchextrapremiumisforaccount Weregretbeingunabletoagreetothebuyer srequestasstatedintheL CstipulationsforinsurancetobecovereduptotheinlandcitybecauseourpriceisonCIFDubai comply coverage covered any for Buyer s based PracticeLessons TranslatethefollowingsentencesintoEnglish 根据你方要求 我们将按发票金额的110 投保 Weshallcoverinsurancefor1