教案 Insurance.doc

International Business Correspondence外贸函电课程教案课题：Insurances 课时： 周次： 授课日期： 地点：授课方式及手段：Lecturing, Task-based approach, Questioning, Discussion, Practicing教学目标：After studying this part, the students are able to:1、To learn the different kinds of risks of insurance. 2、To learn useful expressions on insurance. 3、To practice writing letters of insurance. 教学重难点：1、To learn some knowledge related to insurance. 2、To learn useful expressions on insurance.3、To learn how to write letters of insurance. 教学过程与内容：Part I Step One warm-up Questions: 1.Is insurance important? 2.How much do you know about insurance? Step Two Presentation The importance of insurance: Insurance is very closely related to foreign trade. People in the international trade should have a thorough knowledge of it and the ability to handle its problems. Insurance was originally applied to losses at sea, where risks were always great, but it is not provided to cover(投保) almost any kind of occurrence (不幸事件) that may result in loss. As a large percentage of our trade in and out of this country goes by ship, what mainly concerns us is still the Marine Insurance. (海运险，水险)Knowledge related to insurance (p234, p236-238,254) Risks for marine insurance 海上运输货物保险的风险(一) perils of the sea 海上风险 1. natural calamity (natural disasters) 自然灾害2. fortuitous accidents 意外事故(二) extraneous risks 外来风险1. general extraneous risks 一般外来风险：雨淋、短量、偷窃、玷污、渗漏等2. special extraneous risks 特殊外来风险：战争、罢工等Losses and Expenses 损失和费用 （一）Losses and expenses of the sea 海上损失和费用1.total loss （全部损失）: a. actual total loss 实际全损 b. constructive total loss 推定全损2.partial loss (部分损失) a. general average (G.A) 共同海损 b. particular average 单独海损3.expenses (费用) a. sue and labor expenses 施救费用，损害防止费用 b. salvage charges 救助费用 （二）Losses of extraneous risks 外来风险的损失China Insurance Clauses (C. I. C.) 中国保险条款1. According to Ocean Marine Cargo Clause 海洋运输货物保险条款, three basic perils coverage are as follows: FPA, WA, and All Risks. Free from Particular Average (FPA) 平安险With Particular Average (WPA) 水渍险 (principle risks) 基本险 All Risks (AR) 一切险2. Additional Risks （extraneous risks ）附加险general additional risks: (外来风险造成的全部或部分损失，有11种) a. clash and breakage 碰损、破碎险 b. taint of odor 串位险c. fresh water and / or rain damage 淡水雨淋险d. theft, pilferage and non-delivery （T. P. N. D）偷窃，提货不着险e. shortage 短量险 f. leakage 渗漏险g. intermixture and contamination 混杂、玷污险h. hook damage 钩损险 i. rust 锈损险j. sweat and heating 受潮受热险 k. breakage of packing 包装破裂险special additional risks 特殊附加险，有8种a. war risk b. strike risk 罢工险 strike, riots and civil commotions 罢工暴动民变险 (SRCC) c. on deck 舱面险 d. aflatoxin 黄曲霉素险 e. rejection 拒收险f. failure to delivery 交货不到险 g. import duty 进口关税险h. fire risk extension clause, F. R.E.C. for storage of cargo at destination Hongkong, including Kowloon, or Macao. 货物出口到香港（包括九龙）或澳门存仓火险责任扩展条款Institute Cargo Clause (I.C.C) 由英国伦敦保险业协会所制定的协会货物条款I.C.C （A） （B） （C） C.I.C All Risks WA FPA I.C.C协会其他的条款4) Institute War Clauses协会战争险条款 5) Institute Strike Clauses协会罢工险条款 6)Malicious Damage Clause 恶意损害险Some terms used on insurance: parties: insurer/ underwriter: insurance companies (保险人，承保人) the insured: 被保险人（是否是投保人） exclusions: 除外责任（即不保的方面/范围）：not cover losses ,damages and expenses caused by delay or inherent vice. (不保因延误或货物内部缺陷所造成的损失、损坏和费用)W/W Clause: warehouse to warehouse clause 仓至仓条款（保险责任起讫期限）franchise: 免赔率 the Peoples Insurance Company of China 中国人民保险公司 (PICC)insurance value/amount 保险金额insurance premium 保险费insurance rate 保险费率double insurance 双保险insurance policy/ certificate 保险单/凭证open policy 预约保险单insurance agent 保险代理to cover/effect/arrange/take out insurance 办理保险，投保surveyor 鉴定人，检验员，公证人Step Three Revision Ask the students to say something about the terms related to insurance. Part IIStep One Warm up for Lesson 33Questions: 1.Who writes the letter? The seller. 2.What question does the buyer ask? Insurance. 3.How does the seller reply to? All Risks: can provide such coverage at a slightly higher premium. Breakage; charge an extra premium. Franchise is 5%. Value to be insured: for 10% above invoice value. Step Two Presentation for Lesson 33 About the letter: The seller receives a letter from the buyer, asking for insurance. The seller gives him a reply. In his letter, he states clearly about insurance from the following aspects: all risks, breakage, value to be insured. 1. insurance: 句式：cover (arrange/ effect/ provide/take out) + insurance + on goods(order/contract) + against risks + for (at) insurance amount + at premium or rate of premium + with inan insurer 就(货物)向(保险商)按%的保险费率投保（险别）a. Have you taken out insurance for us on the goods? b. We have covered insurance on the 100 metric tons of wool for 110% of the invoice value against all risks.c. We have covered insurance on the 400 cases of medical instrument for 110% of the invoice value against all risks with PICC. d. We will arrange (effect) insurance on your behalf. 我们愿代你方投保。e. We think it simpler to have the insurance taken care of by you. 由你方办理保险比较简单。f. Id like to have the insurance of the goods covered at 130% of the invoice amount. 我们希望货物按发票金额的130%投保。2. cover. v. 给保险，投保（宾语可为货物/险别/被保险人和insurance） cover insurance WPA (FPA, against All Risks) on the goods. to cover the goods/the consignment against all risks 注意：平安险和水渍险两个险别，在表示投保时，前面不再用介词against. Please cover (insure) the goods With Particular Average(WPA). 请给货物投保水渍险 We wish to cover the consignment against All Risks. to cover all risks(WPA, FPA) for you. to cover all risks (WPA, FPA) and (against)War Risk(s) with an insurance company. to cover + sb + against a risk The insurance policy covers us against breakage. （在WPA,FPA的情况下可以省略against吗？）(u.n) (保险业)保险to provide (get/take out ) cover against breakage 投保破碎险Please take out cover on all our purchases of Leathers against TPND, Contamination and Rain in addition to WPA. 对于我方订购的皮革，请全部投保水渍险，另加偷窃和提货不着险、污染险和雨淋险。get cover for 130% of the invoice value. 按发票金额的130%投保coverage (n) （c.n） 承保险别（总称），保险范围；(u.n) 投保额；保险We want a policy with a more extensive coverage. 我们需要范围较广泛的保险单。Regarding insurance, the coverage is for 110% of the invoice value up to the port of destination. 关于保险，按110%的发票金额投保，至目的港止。（投保额） We will arrange coverage (insurance) on your behalf. (保险) 注意：最好不要用coverage代替insurance 以免引起误解。3.in the absence of 如果没有4.premium 保险费 extra premium . The additional insurance premium is for the buyers account. 5. claim (n). 索赔，赔偿要求 表示索赔的原因，一般接介词for, 如claim for damage; claim for short delivery短装而索赔 表示索赔的金额，一般接介词for, 如claim for US$10,000 表示对某批货物索赔，一般接介词on, 如claim on the goods; 表示向某人索赔，一般接介词against, 如claim against the underwriters. 为某事向某人提出索赔的常用句型是： lodge a claim against (间用with 或on 或upon) sb for sth lodge a claim on/upon (goods, cargo, shipment) for (damage or loss; shortage; quality and amount, value) 说“提出”索赔，除lodge外，较常用的动词还有raise, file 和put in, 此外，还可以用make, issue, lay, register, render, enter, bring up, set up 等。a. We shall lodge a claim against the Insurance Company for the goods damaged during transit. 对于货物在运输途中损坏，我们将向保险公司提出索赔。b. We file a claim against you for the short delivery of 145 lbs. 我们向你方提出短交145磅的索赔。claim和其他动词搭配的部分常见短语：accept a claim 同意索赔 admit a claim同意索赔 entertain a claim 受理索赔dismiss a claim 驳回索赔 reject a claim 拒绝索赔 relinquish a claim撤回索赔settle a claim 解决索赔(理赔) waive a claim 放弃索赔 withdraw a claim 撤回索赔claim (v). 索赔，要求赔偿通常作及物动词，宾语为索赔的金额或compensation, amount, sum, allowance等名词，间或作不及物动词。部分常用短语如下，注意介词的一般用法： to claim US$10,000 索赔美圆一万元 to claim a compensation of US$10,000 要求赔偿美圆一万元 to claim US$10,000 for damage 因损坏而索赔美圆一万元 to claim US$10,000 on the goods 对该货索赔美圆一万元 to claim US$10,000 from the underwriters 向保险公司索赔美圆一万元claim: vt to claim (a compensation of ) from sb for sth 为某事向某人索赔若干金额a. Our clients claim an allowance of at least 50 cents per yard. Failing this, they will reship the goods back to us. 客户要求每码至少折价50美分，否则他们便会将货物运回我处。b. We reserve the right to claim compensation from you for any damage.我们保留对任何破损向你方索赔得权利。c. The buyer claims a sum from the seller for insufficient of quantity on cotton piece goods. 因棉布数量不足向卖方索赔一笔款项。claim: (vi) （可跟on/from） a. This damage was due to the rough handling by the shipping company. You should claim on them for recovery of the loss. (claim on: 要求索赔)损坏系轮船公司野蛮搬运所致。你们应向他们提出索赔以挽回损失。 b. Would you please return the broken items so that we can claim from our insurance company. 请退回破损的货品以便我们能向保险公司索赔。6. insure (v.) 保险,给投保 注意：说明投保的不同情况时，要求使用不同的介词。insure W.P.A.(F.P.A.,against All Risks) for (at)(amount) 按金额投保We generally insure WPA on CIF sales. 按CIF价出售的货物，我们一般投保水渍险。注意：平安险和水渍险两个险别，在表示投保时，前面不再用介词against.Please insure against All Risks for 10% over (above) the total invoice value. 请按发票总金额的110%投保一切险。We have insured W.P.A. and against War Risk at 110% of the invoice cost. Please insure against breakage.to insure (cover) the goods/the consignment against all risks at the rate of. for the sum of . with (insurance company) 注意：平安险和水渍险两个险别，在表示投保时，前面不再用介词against. Please insure the goods against all risks and against war risk.We have insured (covered ) the goods F.P.A. and against War Risk at the rate of 0.5% for the sum of U.S.$45,000 with the insurance company. 我们已为该货向保险公司投保平安险和战争险，保险费率是0.5%,投保额为45,000美元。The insurance company here insures this risk with 5% franchise.7.for 10% above the invoice value 按发票金额的110% similar expressions: for 110% of the invoice value (cost/ amount) for (an amount of) 10 % above the invoice value (cost/ amount)for 10% over (above)the invoice value (cost/ amount) for the invoice value (amount/ cost) plus 10 %at invoice plus 10% Step Three ConsolidationTranslate the lesson into Chinese. Pay attention to the following words: insurance, cover, insure, coverage, claim. Finish Exercise on page 243244. Step Four Homework Finish Exs 1 2 1) 2) 3) 4) Preview lesson 34(A).Part IIStep One Warm up for Lesson 34(A)Questions: 1.Who writes the letter? The seller. 2.What basis is the order placed? On a CFR basis. 3.What does the buyer request? He request the seller to have the goods insured on his behalf. 4.How does the buyer pay the premium back to the seller? Upon receipt of his debit note. / or draw on the buyer for the amount required. Step Two Presentation for Lesson 34(A) About the letter: The seller receives a letter from the buyer, requesting him to have the goods insured on the buyers behalf. The buyer promises that the premium will be refunded to the seller or the seller can draw on him at sight for the amount required. 1.on a CFR basis 按CFR价2.at your end / on your side 在你处（lesson 15, P104练习中已讲） 3.on ones behalf 代表某人4. at invoice plus 10%for 按发票金额的110% similar expressions: for 110% of the invoice value (cost/ amount) for (an amount of) 10 % above the invoice value (cost/ amount)for 10% over (above)the invoice value (cost/ amount) for the invoice value (amount/ cost) plus 10 %5.refund sth 退回某物6. DEBIT NOTE（D/N）借方通知，借记单，应收帐单 7.meet with your approval 得到你方的同意。Step Three ConsolidationTranslate the lesson into Chinese. Pay attention to the words in the presentation. Step Four AssignmentGet ready for lesson 34 (B).Part IIIStep One Warm up for Lesson 34(B)Questions: 1.Who writes the letter? The seller. 2.Does the seller follow the buyers request? Yes, the policy will be forwarded to the buyer. 3.what others does the seller say in his letter? He tells the buyer his making arrangement to ship the goods ,the name of the name and the sailing time. Step Two Presentation for Lesson 34(B) About the letter: The seller receives a letter from the buyer, requesting him to have the goods insured on the buyers behalf. The buyer promises that the premium will be refunded to the seller or the seller can draw on him at sight for the amount required. The seller gives the buyer a favorable reply to his letter. In his letter, he also tells the buyer his making arrangement to ship the goods ,the name of the name and the sailing time.How to write this kind of letters: acknowledge receipt of the letter. If necessary, state some key points. give a favorable(unfavorable) reply to the correspondents request. concluding. 1.This is to acknowledge receipt of 兹确认收到.2.We have covered the above shipment with the PICC against All Risks for USD$45,325,00.我们已向中国人民保险公司为上述船货投保了一切险，投保金额为. 。3.The policy is being prepared accordingly and will be forwarded to you by the end of the week together with our debit note for the premium. 保险单正照此准备并于本周内寄达你方随付支付保费的我方借记通知。Step Three ConsolidationTranslate the lesson into Chinese. Pay attention to the words in the presentation. Finish Ex 2. Step Four AssignmentGet ready for Ex 3. Get ready for lesson 35. Part IVStep One Warm up for Lesson 35Questions: 1.Who writes the letter? The seller. 2.How many questions does the seller talk about in his letter? Coverage, how to file a claim, documents needed to summit by the buyer, the time for claiming.Step Two Presentation for Lesson 35 About the letter: This is a reply to the buyers letter. The buyers inquires about the insurance on his Order No.203. The seller gives the buyer a detailed reply to his inquiry. In his letter he states such questions as coverage, how to file a claim, documents needed to summit by the buyer, the time for claiming.1.This is to acknowledge receipt of 兹确认收到.2.insure against All Risks & War Risk for 110% of the invoice value.我们已按发票金额的110%投保了一切险和战争险。3.insure broader coverage扩大投保范围4.the extra premium involved 涉及的额外保费5.for buyers account 由买方负担6.consignee 收货人 consignor 发货人 consignment 寄售，寄售货；运送之货7.terminate (v) 终止，结束 The agreement terminated on December 31,2005. The goods must reach the destination before the license terminates. We have to terminate Contract No.180 because of the Force Majeure incident. termination (n) 终止，结束 We are glad that the dispute has been brought to a satisfactory termination. 8.It should be noted that the cover is limited to 60 days upon discharge of the insured goods from the sea-going vessel at the final port of discharge before the insured goods reach the consignees warehouse. 应该注意，在货物抵达收货人仓库之前，保险期限以被保险货物从最终卸货船舶上卸下第60天为止。9.submit the following documents 提交下列的单据10.original policy of insurance 保单正本 original certificate of insurance 保险凭证正本、Bill of Lading 提单 statement of claim 索赔声明11.pursue recovery 寻求赔偿金 12.party in fault 过失方13. Claims against the Ocean Carriers usually become time-based one year after discharge of the cargo from the sea-going vessel. 向承运人提出的索赔应于货物从船上卸下后一年内提出。14.enjoy high prestige 享有很高声誉。Step Three ConsolidationTranslate the lesson into Chinese. Pay attention to the words in the presentation. Finish Ex 1.Step Four AssignmentGet ready for Ex. 2、3. Get ready for lesson 36（A）(B).Part VStep One Warm up for Lesson 36(A)Questions: 1.On what basis is the contract booked(concluded)? On CFR basis. 2.What does the L/C call for regarding trade terms? CIF.3.Does the seller ask the buyer to amend the L/C? Why not? To avoid delay in shipment. 4.What does the seller suggest in his letter? To arrange the necessary cover for the buyer at his end and to deduct the premium from 2% commission payable to the buyer. Any leftover will be remitted to you as soon as the proceeds have been collected from the L/C. Step Two Presentation for Lesson 36(A) About the letter: The seller receives the buyers L/C. After examination, he finds that the L/C calls for CIF while the contract is booked on CFR basis. Instead of asking the buyer to amend the L/C, the seller suggests that he arrange the necessary cover for the buyer and deduct the premium from 2% commission payable to the bu