外贸函电-保险.doc

第十章 Insurance保险第一节The Steps of Writing Insurance Letters保险信的写作步骤保险的目的是使其货物遭受损失或损坏者得到赔偿。换句话说，它是一种赔偿契约，给某人赔偿遭受损失的全部金额或按特定百分比赔偿所损失的一部分金额。保险合同通常用保险单的形式，是承担风险的一方（承保人）和寻求防御风险的一方（投保人）两者之间的一种合同。若投保的风险发生了，承保人为报偿投保人所付的保险费，同意付给投保人一笔规定的金额或一部分金额。保险费是按投保金额的百分之几计算的，也就是投保人所付的钱。按照中国人民保险公司海洋运输货物保险条款，该公司的基本保险单承保的海运主要险别有：a平安险Free From Particular Average FPAb水渍险With Particular Average WPAc一切险All Risks保险金额的计算是；货物成本+运费+保险费+代表货物出售后的合理利润的总金额的百分之几。对于CIF的交易，根据中国人民保险公司一九八一年八月一日厘定的海洋运输货物保险条款，我们通常按发票金额的110投保XX险。有时候买户要求投保的金额超过110。在这种情况下，额外保险费将由买户负担。保险信函的写作步骤如下：1提示合同、货物等；（Mentioning the contract，goods，etc.）情景搭配用语：Useful expressionsWe refer you to Contract No.（关于第号合同）Referring to（关于）With regard to（with reference to）our Contract（关于我们合同）2提出具体保险要求及理由；（Suggesting the term of payment and the reason）情景搭配用语：Useful expressionsAswe shall be glad if you（因为如果你我将不胜感激）As you know, we suggest（你知道我们建议）Owing towe would appreciate it if you（由于如果我们将不胜感激）3希望对方同意并希望对方尽早发货。（Wishing the reader to accept and ship the goods early）情景搭配用语：Useful expressionsWe wish you can accommodate us in this respect.（希望你方再此方面给予照顾）We hope to receive your favorable reply.（希望收到你方早日答复）卖方保险信函写法：1说明收到信函；（Stating that you have received their letter）情景搭配用语：Useful expressions略。2说明自己的意见（同意或不同意）及其理由；（Giving your reply of agreeing or refusing and your reasons）情景搭配用语：Useful expressionsWe agree to（我们同意）We want to make it clear that（我方想澄清一点）With regard towe regret being unable to accept（关于很遗憾不能接受）3说明会立即发货等。（Stating the goods will be sent soon, etc.）情景搭配用语：Useful expressionsWe sincerely hope that we can（诚挚地希望我们能）We have insured the goods（我们已经为货物投保）二节Text Explanation and Vocabulary课文分析和词汇1Dear Sirs,Regarding1S/C No. 3200 covering Cotton Cloths, we would like to inform you that we have established with the Bank of China in a confirmed, irrevocable L/C No. 2132 amounting to2Stg330,000 with validity4until 31stMay. （通知对方信用证已开出）Please see to it that5the above-mentioned goods are shipped before 31stMay and insured against6All Risks7for 110% of the invoice8value. We know that according to9your usual practice, you insure the goods only for full invoice value, therefore the extra10premium11will be for our account12. （具体投保要求）Please arrange the insurance as requested and in the meantime, we await your shipping advice13. （希望对方尽早安排投保和装运）讲解：第一段：Regarding1S/C No. 3200 covering Cotton Cloths, we would like to inform you that we have established with the Bank of China in a confirmed, irrevocable L/C No. 2132 amounting to2Stg330,000 with validity4until 31stMay.1. regarding关于。等于concerning，或about。也可以写作with regard to，in regard to或as regards。例：（1）I send you a fax this morning regarding order No 1234.（我今天早晨给你发了一个关于1234号订单的传真。）（2）We would appreciate receiving details regarding the commodities.（如能告知该商品的详细情况，则不胜感激。）2. amount to总计，金额达。例：（1）The total expenses amount to ￥500.00.（全部费用合计为五百元。）（2）Our loss amounts to $1,000.（我们的损失达1000美元。）3. Stg名词。等于Sterling，英镑。4. validity有效期，名词。valid有效的，形容词。例：（1）The validity date of the L/C should be extended to July 30.（信用证有效期应延长到7月30号。）（2）The offer is valid for 5days.（报价有效期五天。）讲解：第二段：Please see to it that5the above-mentioned goods are shipped before 31stMay and insured6against All Risks7for 110% of the invoice8value. We know that according to9your usual practice, you insure the goods only for full invoice value, therefore the extra10premium11will be for our account12.5. see to it that确保。例：（1）Please see to it that the L/C extension should reach here before June 30.（请注意信用证展期通知要6月30日之前到达我处。）（2）Please see to it that the goods we ordered are shipped as soon as the covering letter of credit reaches you.（请确保一收到有关的信用证就装运我们所订的货物。）6. insure投保，保险，动词。例：（1）Please insure the goods against breakage.（请给货物投保破损险。）（2）Please insure for 10% above invoice value.（请按发票金额的110%投保。）insurance保险，名词。例：（1）We will arrange insurance on your behalf.（我们会代表你方安排保险。）（2）We shall provide such insurance at your cost.（我们会提供这样的保险但费用由你负担。）（3）We shall cover the insurance ourselves.（我们自己投保。）7. All Risks一切险，综合险。risk风险。例：They will not take any risk.（他们不愿冒任何风险。）8. invoice发票。如：proforma invoice 形式发票；commercial invoice商业发票。9. according to按照，根据。10. extra额外的。例：The buyer has to pay for the extra charge.（买方应负担额外的费用。）11. premium保费。例：The extra premium is for buyers account.（额外的保费由买方承担。）12. for our account由负担。也可以说on ones account。例：We can insure the goods for your account.（如果你方承担费用, 我们可以为你投保。）讲解：第三段：Please arrange the insurance as requested and in the meantime, we await your shipping advice13.13. shipping advice装运通知。指卖方发货后向买方发出的通知，其内容包括货物名称、数量、金额、载货船名和开航日期等。译文：先生们，关于第3200号棉布的售货合同，现通知你方，我方已由中国银行开立了第2132号保兑的、不可撤销的信用证，计金额30,000英镑，有效期至5月31日为止。请注意上述货物必须在5月31日前装运，保险按发票价的110投保“综合险”。我方知道，按照你方惯例，你方只按发票额投保，因此额外保险费由我方负责。请按我方要求办理保险，我方等候你方的装运通知。谨上，第三节Text Explanation and Vocabulary课文分析和词汇2Dear Sirs,Re: Your Order No. 1009 for 500 cases ToysThis is to acknowledge receipt of1your letter of 20thJuly requesting us to effect2insurance on the captioned shipment3for your account.（说明收到对方保险要求信函）We are pleased to inform you that we have covered4the above shipment with The Peoples Insurance Company of China against All Risks for $2,000. The policy5is being prepared and will be forwarded6to you by the end of the week.（通知对方已经按要求投保）For your information, we are making arrangements to7ship the 500 cases8of toys by S.S.“Tsinan”，sailing9on or about the 11thAugust.（通知对方已安排装运）Yours sincerely,讲解：第一段：This is to acknowledge receipt of1your letter of 20thJuly requesting us to effect2insurance on the captioned shipment3for your account.1. acknowledge receipt of等于be in receipt of，但较正式，意思是收到。例：We acknowledge receipt of your letter of April 3，2002.（我们收到你方2002年4月3号的来信。）2. effect=make, 函电中词组有effect shipment（payment, insurance）。例：Payment should be effected within three months after shipment.（需在发货后三月内付款。）3. shipment此处指一批货物。例：We received the shipment today.（我们今天收到了货物。）讲解：第二段：We are pleased to inform you that we have covered4the above shipment with The Peoples Insurance Company of China against All Risks for $2,000. The policy5is being prepared and will be forwarded6to you by the end of the week.4. cover投保，动词。例：（1）We shall cover All Risks for you.（我们将为你方投保综合险。）（2）We shall cover the insurance ourselves.（我们自己投保。）5. policy保险单。6. forward转去。意思同pass on。例：（1）We will forward your decision to the buyers.（我们会把你们的决定转交给买方。）（2）Your communication of the 24thMay addressed to our sister corporation in Shanghai has been forwarded to us for attention.（贵方5月24日寄给我们上海公司的信已经转交给我们了。）讲解：第三段：For your information, we are making arrangements to7ship the 500 cases8of toys by S.S.“Tsinan”，sailing9on or about the 11thAugust.7. make arrangement to do sth. 安排做某事。也可以说make arrangement for sth.。例：（1）We have made arrangements with Bank of Japan, Tokyo, to open a credit in your favor.（我们已经与东京的日本银行安排开立以你方为受益人的信用证。）（2）We trust that you will make all necessary arrangements to deliver the goods in time.（我们相信你方会及时作必要的安排装运。）8. case箱子。9. sail动词，启航，开航。例：The ship is scheduled to sail for Hong Kong on the 23rdof this month.（该轮将于本月23日驶往香港。）译文：兹收到你方7月20日来信，要求我们代办标题货物的保险，保险费由你方承担。我们高兴地通知你，我们已向中国人民保险公司为上述货物投保综合险，投保金额为2000美元。保险单正在准备之中在本周末将寄给你们。顺告，我们现正安排由“济南”轮装运这500箱玩具。该轮将于8月11号左右启航开往你处。谨上第四节Useful Language保险信的常用句式1. Insurance is to be covered by the seller for a sum equal to the amount of the invoice.卖方按发票金额进行保险。2. We shall provide such insurance at your cost.我们将投保这种险别，费用由你方负担。3. As to the goods priced on CIF basis，our company will insure against All Risks for 110% of invoice value.按到岸价格成交之货，由我公司以发票价值110%投保综合险。4. After loading the goods on board the sh