外贸英语函电Unit Insurance.ppt

Unit10Insurance Content IntroductionBackgroundinformationCasestudyCase1UsefulphrasesExercises Thepurposeofinsurance toprovidecompensationforthosewhosufferfromlossordamage Itisacontractofindemnity Partiesinvolvedininsurance theinsurerthepartywhoagreetoaccepttherisktheinsuredthepartyseekingprotectionfromtheriskthebeneficiarycanbesamepersonthepartywhowillgetthecompensationwhenanylossoccur Insurancepolicy保险单ContractbetweentheinsurerandtheinsuredInsurancepremiumThesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyInsuranceamount Backgroundinformation MarineriskAverageCoverage 风险 risks perilstotalloss损失 lossesparticularaveragepartialloss 单独海损 generalaverage 共同海损 险别 risks perils coverages保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任 所以在保险业务中风险 损失和险别三者有着紧密的联系 为此 我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解 海上风险PerilsoftheSea 外来风险ExtraneousRisks 自然灾害 NaturalCalamity 意外事故 Fortuitousaccidents 一般外来风险GeneralExtraneousRisks 特殊外来风险SpecialExtraneousRisks 风险Risks 损失Losses 海上损失 其他损失 全部损失TotalLoss 实际全损ActualTotalLoss 推定全损ConstructiveTotalLoss 部分损失PartialLoss 共同海损GeneralAverage 单独海损ParticularAverage 一般外来损失 特殊外来损失 Marinerisk Perilsofthesea 海上风险 naturalcalamities fortuitousaccidentsExtraneousrisks Perilsofthesea naturalcalamities heavyweather lightening earthquake volcaniceruptionandsoon fortuitousaccidents fire explosion vesselbeingstranded grounded sunkorcapsized collisionorcontactofvesselwithanyexternalobjectotherthanwater Heavyweather lightening earthquake Volcaniceruption Tunami 海啸 NaturalCalamities Fortuitousaccidents fire explosion collision Stranded触礁 sunk Grounded搁浅 Extraneousrisks GeneralExtraneousRisks theftandpilferage contamination leakage breakage sweatingand orheating taintofodor rusting hookdamage freshand orrainwaterdamage short deliveryandnon delivery shortageinweight clashingandsoon SpecialExtraneousRisks war strike failuretodeliverduetosomespeciallawsorregulations Average Totalloss ActualTotalLoss 实际全损 ConstructiveTotalLoss 推定全损 Partialloss GeneralAverage 共同海损 ParticularAverage 单独海损 Partialloss 1 GeneralaverageItisalossresultingfromavoluntarysacrificeorexpenditureintimeofperil forthesafetyofhull cargoandfreight 2 Particularaverage Itmeanspartiallossordamageaccidentallycausedtotheshiportoaparticularlotofgoods Particularaverageisnotatotalloss Itmustbebornebytheownerofthepropertysufferingtheloss itisdistinctfromgeneralaverage whichissharedbyallwhohaveafinancialinterestinthevoyageanditsrisksinproportiontothevalueoftheirinterests Coverage basicrisksFreefromParticularAverage F P A WithParticularAverageorWithAverage W P AorW A AllRisksadditionalrisksgeneraladditionalrisksspecialadditionalrisk Basicrisks FreefromParticularAverage平安险 F P A 范围较窄 只提供实际海损所引起的全损及共同海损的赔偿 不承担单独海损的赔偿WithParticularAverage WPA 水渍险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 AllRisks AR 一切险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包括共同海损和单独海损责任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 窜味 玷污等全部或部分损失也负责赔偿不包括战争险 不合格包装 内在缺点等 Additionalrisks generaladditionalrisks偷窃提货不着险 Theft PilferageandNon delivery缩T P N D 淡水雨淋 FreshWater orRainDamage 短量 RiskofShortage 混杂玷污险 RiskofIntermixtureandContamination 渗漏险 RiskofLeakage 碰损破碎险 RiskofClashandBreakage specialadditionalrisk战争险 WarRisk 罢工险 StrikesRisk 交货不到险 FailuretoDelivery 进口关税险 ImportDutyRisk 舱面险 OnDeckRisk 拒收险 RejectionRisk 和黄曲霉素险 Aflatoxin Case1 Whichpartyisthisletterwrittenby Whatishisrequirement Why Whichcompanydoeshechoose Why Whatotherinformationisheaskingfor OnCFRterms按 报价Takeout出具Anopenpolicy预约保险单TheLloydInsuranceCompany劳埃德保险公司Ongoodtermswithsb交往甚好UnderwriterPremiumrebatePICCThePeople sInsuranceCompanyofChina 1 InsurancePolicy 保险单 俗称大保单 2 InsuranceCertificate 保险凭证 俗称小保单 3 OpenPolicy OpenCover 预约保险单 总保险单 3FormsofMarineInsuranceDocuments 1 保险单InsurancePolicy 保险单是保险人已接受保险的正式凭证 俗称 大保单 也是保险人和被保险人之间订契约的证明 2 预约保单OpenPolicy 预约保险单它是保险人承保被保险人在一定时期内分批发运的货物所出立的保险单 在预约保险单内 载明保险货物的范围 险别 保险费率 每批运输货物的最高保险金额以及保险费的结算办理等 3 保险凭证InsuranceCertificate 保险凭证是保险人对货物已接受保险的一种证明文件 俗称 小保单 是简化的保险单 保险凭证仅载明被保险人名称 被保险货物名称及数量 船名 航程 开航日期 险别 保险期限和保险金额等必要的项目 而对保险公司与被保险人的权利和义务则不予载明 保险凭证与保险单具有同等效力 Usefulphrases 1 coverinsuranceon against eg Wecoverinsuranceonthegoodsfor110 oftheinvoicevalueagainstAllRisksandWarRisk Similarphrase cover arrangeinsurance effectinsurance provide takeoutinsuranceeg Forthiscontract wewouldlikeyoutoarrangeinsuranceatyourend 表所保的货物 后接OnInsuranceonthe100tonsofwool表投保的险别 againstInsuranceagainstallrisks保额 forInsurancefor110 oftheinvoicevalue保费率 atInsuranceattherateof 向某保险公司投保 withInsurancewithPICC Insure的用法 Vt Insuresth ariskVi Insureagainstarisk Cover的用法 Vt CoverinsuranceCoverariskCoverAllRisksandWarRisksCoversth sb againstariskCoverthegoodsagainstAllRisksCoverusagainstBreakage Premiumatapremiumofeg Thiskindofadditionalriskiscoverableatapremiumof2 Thepremiumisforbuyer saccounteg Underdifferenttradeterms theinsurancechargecangoforbuyer saccountortheseller saccount Similarphrase tobebornebythebuyertobechargedtothebuyer saccount Vocabulary insuranceagent保险代理人insurancebroker保险经纪人insurancecertificate保险凭证insurancecommission保险佣金insurancemarket保险市场insurancepolicy保险单 insuranceamount保险金额insurancecoverage保险范围insurancecompany保险公司insuranceclause保险条款insuranceinstruction投保通知insurancebusiness保险企业insuranceconditions保险条件 Exercises 根据你方要求 我们将按发票金额的110 投保请给合同投保平安险和战争险这份保单给我们保了破碎险我们向中国人民保险公司办理投保一切险 保险金额为人民币5500元 根据你方要求 我们将按发票金额的110 投保Weshallcoverinsurancefor110 ofthe