insurance4.doc

Chapter Eleven InsuranceSection One Introduction 概述保险与国际贸易关系密切，做国际贸易时，货物要从卖方的手中运到买方的手中，这期间货物要经历长途跋涉，无论是空运，还是陆路运输，还是海洋运输都是如此，在运输途中，还必须经历装、卸和仓储。在整个过程当中，货物很有可能会受到这样或那样的损害，也可能会丢失，也可能会灭失。为了避免这些情况的发生，在货物装运前，买方或者卖方会向保险公司为货物投保。鉴于大多数进出口货物采用的都是海洋运输，本章所涉及的内容主要是海洋运输，讨论的内容主要是各种常用的海洋运输保险。此外，作为外贸业务，海洋运输保险是一项必须争取的业务项目，它属于无形贸易，可以增加外汇。Section Two Specimen LettersSpecimen 1敬启者： 兹通知你方：我方已订好船舱位，你方2847号订单项下的100箱盐渍猪肠衣将于6月25日左右装云南号轮运至你港。 我们相信你方一定能在你处即时投保该货。 启Specimen 2敬启者： 关于214号销售合同项下的4000箱铁钉，很高兴通知你方，我方已向中国银行伦敦分行开出了保兑的，不可撤销的第231号信用证，金额为6，813美元，有效期至5月15日截止。 请注意：上述货物务必于5月15日前装运，并将按发票金额的130% 投保一切险。由于我方能理解，按照你方惯例，你们只按发票金额的110% 投保，那麽额外的保险费将由我方负担。 请按我方要求进行投保，期待你方装运通知。 启Specimen 3敬启者： 事由： 你方347号订单4000件黄麻袋 你方要求我方对标题下货物按发票金额130%投保的1月23日来函收悉。 尽管我们的惯例是按发票金额的110% 投保，但是，我们还是准备按照你方的要求，按发票金额的130% 办理保险。不过，额外的保险费将由你方负责。 务请注意上述内容。 启Specimen 4敬启者： 兹回复你方关于保险问题的6月25日函，现很高兴告知你方如下： 综合险：一般地，如果没有接到我方客户明确指示前提下，我们只保水渍险和战争险。如果你方想保综合险，我们可按稍高一点的保险费率办理承保险别。 破碎险：破碎险是一个特殊险别，要加额外费用。日前的费率大约为%。破碎率超过5%才可以索赔损失。 所保金额：我们获悉你方希望 我方按发票 金额的（百分之一十）110%投保这批运至你方的货物，你方这一要求得到我方的即时办理。 我们相信上述信息将满足你方需要。盼继续回音！ 启Specimen 5敬启者： 我方第554号订单，贵方第S/C675号1000箱电动玩具 兹谈及我方第101号订单1000箱电动玩具，此笔交易按CFR成交。 我方希望贵方在当地对此货物投保，如蒙贵方代表我方按发票金额的110%投保一切险，即4，400美元，我方将倍感高兴。 当然，一收到贵方的收款清单，我方将向贵方付清保费。若贵方愿意，也可向我方即期提取相同的金额。 衷心希望贵方能满足我方的要求。 启Specimen 6敬启者：我方通过国际航空公司的客轮或货轮定期向澳大利亚悉尼发送青岛啤酒。烦请贵方告知能否对此货物投保一切险及其投保条件。此外，我方想知道贵方能否答应我方按月付的特惠保率。 启Specimen 7敬启者： 我方刚刚收到贵方用以支付上釉墙壁瓷砖的第157号信用证。 务请注意，对此货物我方不投破碎险。因此，贵方必须将破碎险从信用证中的保险条款中删除。 此外，我方要指出的是，像窗户玻璃、陶瓷等货物，即使已投保额外的破碎险，保险仍有5%的免赔率。换句话说，如果破损费低于5%，我方对此损失不作赔偿。 我方相信贵方已清楚地了解了这些情况，请立即电报修改信用证。 启Specimen 8敬启者： 当 Eancastria 轮于11月10日到达的黎波里港时，我们发现装有收音机的第7号箱子有一边已经裂开。因此我们在轮船公司代理在场的情况下请本地保险公司的货物检查员把箱子打开并检查了里面的货物。发票上列明该箱装有24台熊猫牌收音机，其中6台已严重损坏。 现附上检查员的报告和轮船公司代理人的声明。因为我们是按CIF订购的，由你方投保保险，所以如果你方能代我们向承保人提出要求处理此事，我们将非常感谢。 我们要求更换这6台收音机。请安排供应，货款记在我方帐上。 希望这一保险索赔不会给你方带来困难，并预先感谢你方合作。 启2007年11月20日Section Five ExercisesI. Fill in the blanks with proper words or phrases:Keys:The international trade is subject to many risks. Ships may sink or consignments be damaged in transit, exchange rates may alter, buyers default or governments suddenly impose an embargo. Therefore, exporters and importers have to insure themselves against many of these risks.The history of insurance goes back as far as the twelfth century, when marine insurance was known to exist in North Italy. In the fourteenth century, Italian merchants came to Britain and brought their system of insurance to safeguard ships and cargo with them. In those days, of course, there were no insurance companies; merchants would group together and write their names under a promise to pay for ships or cargoes lost in storms or taken by pirates, and this is how the term “underwriters” came into existence. If the ship was lost, the financial loss was spread and no single merchant risked all his money.II. Fill in the blanks with the following words and expressions:Keys:1)cover 7).covered 2)covers 8).insure3)cover 9).insurance4)covered 10).effected5)covering 11).insurance6)covering 12).coverageIII. Translate the following sentences into English:Keys:1.Please see to it that the above-mentioned goods are to be shipped before 5th June and insured against All Risks for 150% of the invoice value. We know that according to your usual practice, you insure the goods only for 110% of the invoice value, therefore, the extra premium will be borne by us.2.An insurance claim should be submitted to the insurance company or its agent as promptly as possible so as to provide the insurance company or its agent with ample time to pursue recovery from the relative party at fault.3.We regret to inform you that Case No.8 was invoiced as containing 10 type writers, eight of which were badly damaged upon arrival. We enclose an inspection certificate issued by the Shanghai Commodity Inspection Bureau and the shipping agents statement and hope that no difficulty will arise in the settlement of our above claim amounting to US$3,000.4.In the absence of your definite instructions regarding insurance, we covered your ordered goods against W.P.A. for 110% of the invoice value according to our usual practice.5.If you desire to cover your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.6.Weve covered insurance on these goods for 10% above the invoice value against All Risks.7.As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other risks is required, such as breakage, leakage, TPND, hook and contamination damages, the extra premium involved would be for the buyers account.8.Well, commodities insurance is one of the major items of an insurance corporation. There are different means of commodities transportation: marine, land, aviation, and so on and so forth.IV. Mulitiple ChoiceKeys:1.a 2.a 3.c 4.c 5.a 6.d 7.b 8.b 9.b 10.b11.c 12.c 13.b 14.a 15.b 16.c 17.d 18.d 19.a 20.b21.a 22.c 23.d 24.b 25.a 26.b 27.a 28.d 29.a 30.bV. Please write a letter in English according to the following particulars:Keys:Dear Sirs,We refer to Contract No. CT101 signed on December, 1st,2007, under which we decided 3,000 M/Ts of Green Beans will be delivered in March, 2008 and be covered for 110% of the invoice value against All Risks. However, up till now we have not heard any news about the delivery from you.As our clients are in urgent need for the goods, please see to it that you should deliver and insure the goods against All Risks within the time stipulated in the contract, or we will have to lodge a claim and reserve the right to cancel the contract. Yours faithfully,VI. Translate the following letter into English: Keys:Dear Sirs,We refer to our Purchase Confirmation No.111 for