外贸函电保险例文及句子--Insuranceppt课件

.,1,UnitTwelveInsurance,.,2,Whatisthepurposeofinsurance?,houseagainstfire.Youcaninsureyourcaragainstaccident/theft.noseagainstharm.lifeinsurance.healthinsurance.Youcaneffectaendowmentinsurance.养老保险accidentinsurance.burglaryandrobberyinsurance.,.,3,InsuranceContract(保险合同)1.Definition(1)保险合同是投保人与保险人约定保险权利义务关系的协议Aninsurancecontractisanagreementwherebytheinsurancerightsandobligationsarespecifiedandagreedbytheapplicantandtheinsurer.(2)投保人theapplicant是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。Anapplicantreferstothepartywhoentersintoaninsurancecontractwithaninsurerandisobligatedtopaythepremiumsundertheinsurancecontract.(3)保险人theinsurer是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。Aninsurerreferstotheinsurancecompanywhichentersintoaninsurancecontractwithanapplicantandisobligatedtomakeindemnityorpaymentsoftheinsurancebenefits.,.,4,(4)被保险人theinsured被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人，投保人可以为被保险人。Theinsuredreferstoanyonewhosepropertyorpersonisprotectedbytheinsurancecontractandwhoisentitledtoclaimforcompensation.Anapplicantmaybetheinsured.(5)保险标的Thesubjectmatter保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。Thesubjectmatteroftheinsurancereferseithertothepropertyoftheinsuredandrelatedinterestsassociatedtherewith,ortothelifeandthebodyoftheinsured,whichistheobjectoftheinsurance.(6)保险利益insurableinterest保险利益是指投保人对保险标的具有的法律上承认的利益。Aninsurableinterestreferstotheinterestwhichtheapplicanthasinthesubjectmatteroftheinsuranceandisrecognizedbylaws.(7)保险事故insuredevent保险事故是指保险合同约定的保险责任范围内的事故。Aninsuredeventreferstoaneventfallingwithinthescopeofcoverundertheinsurancecontract.,.,5,(8)保险金额theinsuredsum保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。Thesuminsuredreferstothemaximumamountwhichtheinsurerundertakestoindemnifyorpayunderitsinsuranceobligation.(10)保险费thepremium保险费是指投保人向保险人支付的保险合同规定的费用。Thepremiumreferstothechargethattheapplicantpaystotheinsurerasspecifiedintheinsurancecontract.(11)保险价值insuredvalue保险价值是指保险标的的保险价值，保险价值可以由投保人和保险人约定并在合同中载明，也可以按照保险事故发生时保险标的的实际价值确定。Theinsuredvalueofthesubjectmatteroftheinsurancemaybeagreedbytheapplicantandtheinsurer,andspecifiedinthecontract;oritmaybeassessedbasedontheactualvalueofthesubjectmatteroftheinsuranceatthetimeoftheoccurrenceoftheinsuredevent.,.,6,7.2FundamentalPrinciplesofCargoesInsurance（保险的基本原则）(1)保险利益原则Theinsurableinterset投保人对保险标的应当具有保险利益。Anapplicantshallhaveaninsurableinterestinthesubjectmatteroftheinsurance.投保人对保险标的不具有保险利益的，保险合同无效。Aninsurancecontractisnullandvoidiftheapplicanthasnoinsurableinterestinthesubjectmatteroftheinsurance.(2)最大诚信原则TheUtmostGoodFaith订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标的或者被保险人的有关情况提出询问，投保人应当如实告知。Theinsurershall,priortotheconclusionofaninsurancecontract,explainthecontracttermsandconditionstotheapplicantandmayinquireaboutthesubjectmatteroftheinsuranceorpersontobeinsured.Theapplicantshallmakeafullandaccuratedisclosure.,.,7,(3)赔偿原则Indemnity保险金额不得超过保险价值；超过保险价值的，超过的部分无效。Thesuminsuredshallnotexceedtheinsuredvalueofthesubjectmatteroftheinsurance,andanyportionexceedingtheinsuredvalueofthesubjectmatteroftheinsuranceisnullandvoidasamatteroflaw.,.,8,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。,.,9,RisksinCargoTransportation,Risksincargotransportationareofmanykinds.DifferentrisksmeandifferentlossesAnddifferentrisksarecoveredbydifferentinsuranceclausesanddifferentinsuranceclausesmeandifferentpremiums保险费.Soweneedtohaveagoodunderstandingofthedifferentrisksandlossesbeforeweknowhowtoeffectinsurance.Inmarinecargotransportationinsurance,risksfallintoperilsofthesea海难andextraneousrisks外来风险.,.,10,Perilsandrisks风险,1.PerilsoftheSea海难/海上风险Naturalcalamities海上发生的自然灾害Fortuitousaccidents意外事故2.Extraneousrisks外来风险GeneralextraneousrisksSpecialextraneousrisks,.,11,Perilsofthesea:naturalcalamities:heavyweather,lightening,earthquake,volcaniceruptionandsoon.fortuitousaccidents:fire,explosion,vesselbeingstranded,grounded,sunkorcapsized,collisionorcontactofvesselwithanyexternalobjectotherthanwater,.,12,Heavyweather,lightening,earthquake,Volcaniceruption,tunami,NaturalCalamities,.,13,Fortuitousaccidents,fire,explosion,collision,stranded,sunk,grounded,.,14,Part1.PerilsandLossesinOceanTransportation,2.Extraneousrisks外来风险Extraneousrisksrefertorisksoutsideperilsofthesea.（1）Generalextraneousrisks一般外来风险Generalextraneousrisksincludetheft,breakage,leakage,contamination,sweatandheating(受潮受热),taintofodor(串味),hookdamage(钩损),shortage(短量)andrust(锈损),.,15,Part1.PerilsandLossesinOceanTransportation,（2）Specialextraneousrisks特殊外来风险Specialextraneousrisksrefertorisksresultingfrommilitaryaffairs,politicalandadministrativerulessuchaswar,strikes,failuretodeliver(交货不到),rejection(拒绝收货),.,16,Totalloss:ActualTotalLoss(实际全损)ConstructiveTotalLoss(推定全损)Partialloss:GeneralAverage(共同海损)ParticularAverage(单独海损),.,17,Basiccoverage,FPA:FreeFromParticularAveragealimitedformofcargoinsurancecoverunderwhichnopartiallossordamageisrecoverable.Itonlyprovidescoveragefortotallossesandgeneralaverageemergingfromtheactual“marineperils”likevesselbeingstranded,groundedorsunk.WPA:WithParticularAverageWA:WithAverageawidercoverthanFPA.Itprovidesextensivecoveragainstalllossesordamageduetomarineperilsthroughoutthedurationofthepolicy,includingpartiallossordamagewhichmaybeattributedtonaturalcalamitieslikeheavyweather.,.,18,Allrisks:themostcomprehensiveofthethreebasiccoverageunderwhichtheinsurerisresponsibleforalltotalorpartiallossof,ordamagetothegoodsinsuredeitherarisingfromseaperilsorgeneralexternalcauses.,.,19,Additionalcoverage,GeneraladditionalrisksgeneralextraneousrisksSpecialadditionalrisksspecialextraneousrisks,.,20,Part2.OceanMarineCargoClausesofChinaInsuranceClauses(CIC),Additionalrisks1.Generaladditionalrisks一般附加险GeneraladditionalriskscannotbecoveredindependentlyandshouldgowithFPAorWPA.TheyareincludedinAllRiskscoverage.Thefollowinggeneralextraneousrisksaretobecoveredsubjecttoadditionalpremium.,.,21,Part2.OceanMarineCargoClausesofChinaInsuranceClauses(CIC),(1)T.P.N.D(Theft,Pilferage&Non-delivery)偷窃提货不着险(2)Freshand/orRainWaterDamageRisk(3)ShortageRisk短量险(4)Intermixture混杂&Contamination污损Risks(5)LeakageRisk渗漏险(6)Clash&BreakageRisks碰损破碎险(7)Taint感染ofOdorRisk串味险(8)Sweating&HeatingDamage受潮受热险(9)HookDamageRisk钩损险(10)RustRisk锈损险(11)BreakageofPackingRisk包装破裂险,.,22,Part2.OceanMarineCargoClausesofChinaInsuranceClauses(CIC),2.SpecialadditionalrisksSpecialadditionalriskscoverthedamageorlossesarisingfromspecialadditionalreasonssuchaspoliticalevents,militaryaffairs,nationalpoliciesandacts,andadministrativemeasures.Thespecialadditionalrisksinclude:,.,23,Whatisthepremium?,Premiumisthenamegiventothesumofmoneypaidbytheinsured.保险费是投保人所付的钱。Howisthepremiumquoted?Itisquotedasapercentageofthesuminsured.保险费是按投保金额的百分之几计算的。,.,24,Insure(cover)thegoodsFPA(WPA,againstAllRisks)forthebuyersaccount由买方负担保险费onbehalfofthebuyerswithaninsurancecompanyforthesumofUS$100,000attherateof0.5%保险费率为千分之五atslightlyhigherpremiumat/for110%oftheinvoicevalue,.,25,我们已为该货物向保险公司投保平安险和战争险，保险率0.5%，投保额为45,000美元。Wehaveinsured/coveredthegoodsFPAandagainstWarRiskattherateof0.5%forthesumofU.S.$45,000withtheinsurancecompany.我们已按发票金额的110%投保水渍险及战争险。WehaveinsuredW.P.AandagainstWarRiskat110%oftheinvoicevalue.,.,26,根据你方要求，我们已对台布按发票金额的110%向中国人民保险公司投保一切险。Incompliancewithyourrequest,wehavecoveredinsuranceontableclothsagainstAllRisksfor110%oftheinvoicevaluewiththePICC.我们愿代你方投保。Wewillarrange/effectinsuranceonyourbehalf.投保effect/arrange/takeout/provide/coverinsurance,.,27,Insurance:Insuranceon+保险货物Insuranceon1000setsofelectricfansInsurancefor+金额Insurancefor10%oftheinvoicevalueInsuranceagainst+保险险别InsuranceagainstAllRisksInsuranceat+保险费Insuranceatpremiumof5%Insurancewith+保险公司InsurancewithPICC,.,28,expressions,WeshallcoverTPNDonyourorder.Thegoodsaretobeinsuredagainstleakage.Howdoyoucoverinsurance?ThisinsurancepolicycoversusagainstAllRisks.WeusuallyinsureagainstAllRisksfor10%abovetheinvoicevalue.Sellerswillnotinanyeventbeliableforincidentalorconsequentialdamages.Weknowthataccordingtoyourusualpractice,youinsurethegoodsonlyfor10%aboveinvoicevalue,therefore,theextrapremiumwillbeforouraccount.,.,29,SentencePatterns,1)Asrequested,wecanarrangeinsuranceonyourbehalf.根据你方要求，我们可为你方办理保险。2)Wenowdesiretohavetheconsignmentinsuredatyourend.我们欲使货物在你处投险。3)Pleaseletusknowthepremiumatwhichleakageiscoveredbytheinsurersonyourside.请告知贵方保险商承保渗漏险的保险费率。4)Ourusualpracticeistoinsureshipmentsfortheinvoicevalueplus10%.本公司的惯常做法是按发票价值加10%为货物投保。5)WehavecoveredthegoodsagainstFPAandTPND.我们已为货物投保了平安险和偷窃、提货不着险。,.,30,SentencePatterns,6).Asagreed,wehavecoveredtheinsuranceonthe300boltsofPrintedShirtingfor110%oftheinvoicevalueagainstWPAwiththePeoplesInsuranceCompanyofChina.按照协议，我方已为300匹印花细布按发票金额的110%向中国人民保险公司投保了水渍险。7)WecancoveryourgoodsagainstAllRisksandWarRisks.Butataslightlyhigherpremium,thedifferenceofwhichwillbeforyouraccount.我们可以代你方投保一切险和战争险，但保费稍高，保费差额由你方负担。8)Wearepreparedtocomplywithyourrequestandobtaincoverfor150%oftheinvoicevalue.Theextrapremiumwillbeforyouraccount本公司应归公司要求，按发票价值150%投保。额外的保费将由贵公司支付。9)Weshall,ofcourse,refundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightfortheamountrequired.一俟收到你方的索款通知，我们会立即返还保险费。如果你们愿意，也可按所付金额向我方开出即期汇票。,.,31,SentencePatterns,10)Foryourreference,wehavetakenoutanOpenPolicywiththePeoplesInsuranceCompanyofChina.现告知贵方，我方已在中国人民保险公司办理了预约保单。11).Intheabsenceofyourdefiniteinstructionsregardinginsurance,wecoveredyourorderedgoodsagainstAllRisksfor110%oftheinvoicevalueaccordingtoourusualpractice.在未收到贵方明确保险要求的情况下，我们按惯例对你方所订购货物按发票金额110%投保了一切险。12).Thepremiumforthiscoverisattherateof1%ofthedeclaredvalueof5,500.这笔保险的保险费是申报金额5,500美元的1%。13).Thepolicyisbeingpreparedandwillbeforwardedtoyoutogetherwithourdebitnotewithinthisweek.保险单正在准备之中，本周内即可连同索款通知单一并寄上。,.,32,SentencePatterns,14).Pleaseseetoitthattheabove-mentionedgoodsshouldbeshippedbeforeOctober25thandthegoodsshouldbecoveredfor125%oftheinvoicevalueagainstAllRisksandWarRisks.Weknowthataccordingtoyourusualpractice,youinsurethegoodsonlyfor10%abovetheinvoicevalue.Therefore,theextrapremiumwillbeforouraccount.请注意上述货物必须确保于10月25日前装船。保险须按发票价格的125%投保一切险和战争险。我们知道按一般惯例，你方只按发票价格金额加成10%投保，因此额外保险费由我方负担。15).Weregretbeingunabletocomplywithyourrequestbecausewecanonlycoverinsurancefor110%oftheinvoicevalueaccordingtothecontractstipulations.很抱歉难以按贵方要求办理，因为我方只能根据合约规定按照发票金额的110%进行保险。,.,33,TranslatethefollowingsentencesintoEnglish,1)我方欲使货物在你处投险。,Wenowdesiretohavetheconsignmentinsuredatyourend.,.,34,TranslatethefollowingsentencesintoEnglish,2)我们的惯例是按发票价值加10%为货物投保一切险。,Ourusualpracticeistoinsureshipmentsfortheinvoicevalueplus10%againstAllRisks.,.,35,TranslatethefollowingsentencesintoEnglish,3)我们已为货物投保了平安险和战争险。,WehavecoveredthegoodsagainstFPAandWarRisks.,.,36,TranslatethefollowingsentencesintoEnglish,4)按照协议，我方已为1,000箱罐装肉食按发票金额的110%向中国人民保险公司投保了水渍险。,Asagreed,wehavecoveredtheinsuranceonthe1,000casesofCannedMeatfor110%oftheinvoicevalueagainstWPAwiththePeoplesInsuranceCompanyofChina.,.,37,TranslatethefollowingsentencesintoEnglish,5)本公司应贵公司要求，按发票价值130%投保。额外的保费将由贵公司支付。,Wearepreparedtocomplywithyourrequestandobtaincoverfor130%oftheinvoicevalue.Theextrapremiumwillbeforyouraccount.,.,38,TranslatethefollowingsentencesintoEnglish,6)一俟收到你方的索款通知，我们会立即返还保险费。,Weshall,ofcourse,refundthepremiumtoyouuponreceiptofyourdebitnote.,.,39,TranslatethefollowingsentencesintoEnglish,7)贵方希望投保渗漏险，我们可按稍高一点的保险费率投保此险种。,Ifyoudesiretocoverriskofleakage,wecanprovidesuchcoverageataslightlyhigherpremium.,.,40,TranslatethefollowingsentencesintoEnglish,8)所有货物将由买方按FOB价格投保。,BACK,InsuranceistobeeffectedbythebuyersunderFOBterms.,.,41,TranslatethefollowingsentencesintoChinese,1)Theratesvarywiththenatureofthegoods,thedegreeofcoverdesiredandtheplaceofdestination.,保险费率要根据商品性质，所要投保的范围以及目的地而有所不同。,.,42,T