国际商务英语函电Unit-11-Insurance

Chapter12Insurance,Homework,DearSirs,WeareverypleasedtoinformyouthatwehaveshippedyourOrderNo.573covering1,000setsofMDBrandMicrowaveStoveonboards.s.LongMarch,whichisduetosailforyourporttomorrow.Wehopetheaboveshipmentwillreachyouingoodtimeandinperfectcondition.Yoursfaithfully,Tom,Questions,1.Howmuchdoyouknowaboutinsurance?2.Whyisitnecessarytocoverinsuranceintheforeigntrade?3.Whatdoinsurancecompaniesdowiththepremiumcollectedfromtheinsured?,lifeinsurancePersonalinsurancehealthinsurance(人身保险)personalaccidentinsurancemarineinsurancePropertyinsurancecargotransportationinsurance（财产保险）andothers,Ininternationaltrade,thetransportationofgoodsfromthesellertothebuyerisgenerallyoveralongdistancebyair,bylandorbyseaandhastogothroughtheproceduresofloading,unloadingandstoring.Duringthisprocessitisquitepossiblethatthegoodswillencountervariouskindsofperilsandsometimessufferlosses.Inordertoprotectthegoodsagainstpossiblelossincaseofsuchperils,thebuyerorsellerbeforethetransportationofthegoodsusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodsintransit.,Insurancepremiumprovidesapoolorfundintowhichthemanycontributeandoutofwhichthefewwhosufferlossarecompensated.,Terms,Insurer/underwriter:保险人/承保人Theinsured/assured:被保险人Theapplicant:投保人Premium保险费Premiumrate保险费率Insurancepolicy保险单,Coverage:险别Average:海损PICC:中国人民保险公司,一、保险常识1、货物运输保险定义是指投保人（Insured）在货物装运前向保险人（Insurer）投保，即办理保险手续（InsuranceFormalities）、选择保险险别（Coverage）、确定保险金额（InsuranceAmount）、支付保险费（Premium）并领取保险单证（InsuranceDocuments）的过程。此后，如果投保货物在运输中遇险而发生损失，则承保人应负责对投保险别范围内的损失进行经济补偿。,2、保险险别,中国人民保险公司（PICC）制定的中国保险条款（ChinaInsuranceClauses略称C.I.C.）中的海洋运输货物保险条款平安险（FreefromParticularAverage，FPA）基本险别水渍险（WithParticularAverage，WPA）一切险（AllRisks）一般附加险附加险别特殊附加险（WarRisks）,3、保险金额,1）FOB和CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。2）CIF交易，习惯上由出口方按发票金额（InvoiceValue）的110%投保一切险（AllRisks），即100%是CIF发票总值，10%是合理的利润和其他费用。4、保险费premium通常为保险金额的一定比例。保险费=保险金额保险费率,RisksCoveredbyMarineCargoInsurance,PerilsoftheSea海上风险1)NaturalCalamities（自然灾害）earthquake,tsunami,flood,heavyweathersuchashurricane,thunderstorm,etc.2)FortuitousAccidents（意外事故）Stranding触礁，grounding搁浅,sunk,collision,fire,explosionExtraneousRisks外来风险1)GeneralAdditionalRiskstheft,pilferage,raindamage,shortage,breakage,leakage,etc.2)SpecialSpecificAdditionalRisksstrike,war,failuretodeliver,etc.,Losses,1.LossesduetoMarinePerils海上损失actualtotalloss（实际全损）totallossconstructivetotalloss（推定全损）generalaverage（共同海损）partiallossparticularaverage（单独海损）2.LossesduetoExtraneousRisks外来损失,Actualtotalloss:itmeansthenon-existenceoftheinsuredcargoinvalue.Constructivetotalloss:itsunlikelytorecoverthesubjectmatterorthecostofrecoverywillexceedthevalueofthesubjectmatter.Particularaverage:itmeansalossthatisbornesolelybytheownerofthelostproperty(shiporcargo).Generalaverage:itmeansasacrificemadeforthecommonsafetyofboththecargoandtheship.,Example,Partialdamageofcargobyseawateris,forinstance,aparticularaverage,whilepartialdamageofcargobywaterthathasbeenusedtoputoutafireisageneralaveragesincethedamagehasbeenmadeinordertosaveboththeshipandthecargoonboardtheshipofallthecargoowners.(ofcourse,thedamagecausedbythefireisstillaparticularaverage),ThreeBasicCoverages,F.P.A.:平安险W.P.A.:水渍险AllRisks:一切险Note:AllRisksW.P.A.F.P.A.,F.P.A.平安险,FreefromParticularAverage(F.P.A.):(Literalmeaning:notliableforparticularaverage)Extentofcoverage:payclaimsfortotallossandpartiallosscausedbyfortuitous(意外的)accidentssuchasstranding(触礁),grounding(搁浅),collison(碰撞),sinking,fire,explosion,etc.Itdoesntpaypartiallosscausedbynaturalcalamities.,W.A./W.P.A.水渍险,WithAverage/WithParticularAverage:Itprovidescoveragainsttotallossandpartiallossduetoperilsofthesea.,AllRisks一切险,BesidestheriskscoveredbyFPAandWA,AllRisksalsoprovidescoveragainstsomeextraneousrisksoflossordamage(esp,generaladditionalrisk).Coverage:AllRisks=FPA+WPA+GeneralAdditionalRisk,ExtraneousRisks,GeneralAdditionalRisks:一般附加险SpecialSpecificAdditionalRisks:特别和特殊附加险,GeneralAdditionalRisks,T.P.N.D.(threft,pilferageandnon-delivery)偷窃，提货不着险F.W.R.D.(freshwaterand/orraindamage)淡水雨淋险Shortage:短量险IntermixtureandContamination混杂，玷污险Leakage渗漏Clashbreakage碰损，破碎险Taintofodour串味险Heatingsweating受热，受潮险Hookdamage钩损险Breakageofpacking包装破裂险Rust锈损险,SpecialSpecificAdditionalRisks,FailuretoDelivery交货不到险ImportDuty进口关税险OnDeck舱面险Rejection拒收险Aflatoxin黄曲霉素险WarRisks战争险StrikeRisks罢工险,onatagainstwithfor1.Idliketotalksomethingabouttheinsuranceonourporcelainware.2.Pleasenotethatourinsurancecoverageisfor110%oftheinvoicevalue.3.HowaboutyourcoveringtheinsuranceagainstAllRisksfor120%oftheinvoicevaluewithPICC?4.Theinsurancerateisatapremiumrateof5%.,insurance,AtagainstOnfor1.WewillcoverthegoodsagainstAllRisks.2.WewouldliketocoverW.P.A.onthecargo.3.Wewillcoverinsuranceonyourgoodsfor110%oftheinvoicevalueagainstAllRisksasusual.4.Wecanprovidesuchcoverageataslightlyhigherpremium.,cover,Example,我们已经按0.2%的保险费率和发票金额的110%投保1000箱青岛啤酒的一切险。Wevecoveredinsuranceon1000casesofQingdaoBeerfor110%oftheinvoicevalueagainstAllRisk