外贸函电――保险

Project6,Insurance,任务：阅读一国外客户有关保险的来信目标：能准确理解来信,Dearsir,WethankyouforyourletterofJuly12,quotingus500metrictonsofIntestineCasing(肠衣)onCIFterms.Withregardtothistransaction,however,weprefertohaveyouroffersonCFRterms.,Foryourinformation,wehaveeffectedanopenpolicywiththeLloydInsuranceCompany,London.Assoonasashipmentismadewearesuretoinformthecompanyoftheparticulars.Furthermore,weusuallyreceivefromourunderwritersquiteahandsomepremiumrebateregularly.,openpolicy预约保单,预约保单又称“开口保单”、“敞口保单”，是保险公司承保被保险人在一定时期内发运的，以CIF价格条件成交的出口货物或以FOBCFR价格条件进口货物的保险单。预约保险单载明保险货物的范围、承保险别、保险费率、每批运输货物的最高保险金额以及保险费的计算办法。凡属预约保单规定范围内的货物，一经起运保险合同即自动按预约保单上的承保条件生效，但要求投保人必须向保险人对每批货物运输发出起运通知书，也就是将每批货物的名称、数量、保险金额、运输工具的种类和名称、航程起讫点、开航或起运日期等通知保险人，保险人据此签发正式的保险单证。预约保单主要适用于大量进出口货物运输保险。,effectanopenpolicywith与洽谈预约保单,TheLloydsInsuranceCompany,英国劳埃德保险公司是当今世界保险业中信誉最高、名气最大、资金最雄厚、利润最多的一家大保险公司，它成立于1680年，迄今已有300多年的历史。,TheLloydsInsuranceCompany,TheLloydsInsuranceCompany,1912年英国巨型客轮“泰坦尼克号”触冰山沉没，近2000人丧生，劳埃德又为此付出了250万美元的赔款，这在当时都是令人咋舌的数字。,particular,Wehavecarefullystudiedyourrequirementsandshalltakeparticularcaretomeetyourwishes.Thebalancesheetisastatementofwhatacompanyownsandwhatitowesataparticulartime.1.a.特别的，特殊的，特定的资产负债表反映公司在特定时间的资产和负债情况。,particular,Ourcustomersareveryparticularaboutthequality.2.a.讲究的，苛求的我方客户对质量要求很严格。,particular,Pleaseletusknowtheparticularitemsyouareinterestedin.3.a.个别的，具体的,particular,n.细节，详细情况particularsofthegoods货物内容；货物明细单Wecannotexecuteyourorderforlackofparticulars.没有详细说明，我们无法执行你方订单。particularaverage（海上保险）单独海损inparticular特别，尤其,UL是美国保险商协会安检实验所（UnderwriterLaboratoriesInc.）的简写。成立于1894年，是一家产品安全测试认证机构。目前UL共有近800多套标准，其中75%被美国国家标准化组织（ANSI:AmericanNationalStandardInstitute）采用。,underwritern.,1.承保商，保险商underwriters保险公司Besuretosetoutinyourletterthereasonfortheclaimagainsttheunderwriters.来信务必说明向保险公司索赔的理由。2.（证券等的）承销人，承销公司,underwritevt.,tounderwriteaninsurancepolicy1.在上签名OurcompanygenerallyunderwritesW.P.A.2.承保Underwritesecurities3.包销（证券等）包销证券Thegovernmenthasunderwrittenthedevelopmentoftheproject.4.同意承担费用政府承担该工程的开发费用。,保险相关的人,insurer保险人；保险商insurancecompany保险公司underwriter保险公司theinsured被保险人；投保人insurant被保险人；投保人assured被保险人；投保人applicant投保申请人proposer投保申请人proposalform投保申请单,handsome,a.相当大的，数量可观的ahandsomeprice相当昂贵的价格Thesegoodswillbringyouahandsomeprofit.ad.大幅度地Expenditurehasincreasedquitehandsomethisyear.今年的支出有了大幅度的增加。,premium,1.n.保险费extrapremium额外保险费费premiumrate保险费率premiumrebate保险费回扣Insuranceofthegoodsistobecoveredbyusfor110%oftheCIFvalue,andanyextrapremiumforadditionalinsurance,ifrequired,shallbebornebythebuyers.货物的保险将由我方以CIF价的110%投保。如果要求投保附加险，额外保险费将由买方自理。,premium,exchangepremium2.（货币、票据等的）升水；贴水；贴息外汇升水，兑换溢价,premium,Sharesaresellingatapremium.3.溢价股票按超出票面价值出售。,premium,apremiumofferIfyoubuytwoyougetapremiumofonemore.买二赠一。4.(为推销商品而给的）优惠（如让价、附赠礼品等）随赠礼品,premium,anightshiftpremium5.额外补贴，津贴；酬金夜班津贴,premium,Apremiumof2percentispaidonlong-terminvestments.对投资期限较长者可获百分之二的奖励.6.奖励；奖金,premiuma.,topayapremiumpriceforasmallorder为小批量订货付出高价格toputapremiumlabelonordinarywine在普通酒瓶上贴优质标签a.优质的，高价的,rebaten.,exporttaxrebate出口退税Exportrebaterate出口退税率1.(作为减免或折扣的）部分退款Nowtheresanagreementsystemandwegettherebateimmediatelyweship.现在有一种合约制度，在货物装运后，我们立即得到回扣。2.回扣,MeanwhilewouldyoupleasesupplyuswithfulldetailsregardingthecoveragehandledbythePeoplesInsuranceCompanyofChinaforourreference?Welookforwardtohearingfurtherfromyousoon.Yoursfaithfully,coverage,coveragen.承保险别（总称），保险范围；投保额Wewantapolicywithamoreextensivecoverage.我方需要范围较广泛的保险单。Regardinginsurance,thecoverageisfor110%oftheinvoicevalueuptotheportofdestination.关于保险，按110%的发票金额投保，至目的港为止。,W.P.A.coverageistoonarrowforashipmentofthisnature.PleaseextendthecoveragetoincludeTPND.对这种性质的货物只投保水渍险是不够的，请加保偷窃提货不着险。,p118常见的一般附加险三大基本险别：FPAWPAAllRisks,任务二,作为一名业务员（所在公司主营玩具的出口业务），请你根据以下内容，草拟一份关于保险的信函。,事由：你方第1023号订单订购的500箱玩具,你方7月23日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。兹欣然通知你方：我们已与中国人民保险公司就上述货物投保了一切险，金额为9，800美元。保险单正在缮制中并将于本月底连同我方保险费索款通知单一并寄给你方。顺便告知，我们正在安排将这500箱玩具装运到8月12日启航的“太湖”轮上。,投保toarrange/cover/effect/provide/takeoutinsurance,foronesaccount由支付140fortheaccountoftobebornebytoberesponsible按常规，额外保险费应由卖方负责。Asarule,theextrapremiuminvolvedwillbeforbuyersaccount.,你方7月23日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。Wehavereceivedyourletterdated23Julyrequestingustoeffectinsuranceonthecaptionedshipmentforyouraccount.,coverv.n.保险,insurev.保险coverv.保险,介词,表示所保的货物，后接on；表示所投保的险别，后接against(一切险，W.P.A和F.P.A前不加against）；表示保额，后接for；表示保险费或保险费率时，接at;,Wehavecoveredinsuranceonthe100metrictonsofwoolfor110%oftheinvoicevalueagainstAllRisks.insuranceataslightlyhigherprimiuminsuranceattherateof15,SentencePatterns,1.toinsureW.P.A(F.P.A)投保水渍险（平安险）PleaseinsureF.P.Aatyourend.请在贵处投保平安险。WegenerallyinsureW.P.AonC.I.Fsales.按CIF价出售的货物，我们一般投保水渍险。,SentencePatterns,2.toinsure(cover)against投保险PleasecoverthegoodsagainstWarRisks.请将货物投保战争险。WehaveinsuredthegoodsF.P.AandagainstAllRisks.我们已将货物投保平安险和一切险。,3.toarrange(effect,cover,takeout)insurance投保AsourorderwasplacedonaCIFbasis,theinsuranceistobearrangedbyyou.由于我方是按CIF价订货的，应由你方投保。Wewilleffectinsuranceonyourbehalf.我方愿代贵方投保。Haveyoutakenoutinsuranceforusonthesegoods?贵方是否已代我方对此货物投保？,4.tocover(insure)sb.onsth.Pleaseinsureusonthefollowinggoods.请为我方投保下列货物。,5.toinsurefor按金额投保Weshallinsurethegoodsfor110%oftheinvoicevalue.我方将按发票金额110%投保此货物Wewishyoutoinsurethegoodsfortheinvoicevalueplus10%我方希望贵方按发票金额加10%投保。,6.toinsurewith向投保WeusuallyinsurewiththePeoplesInsuranceCompanyofChinaforthegoodssoldonCIFbasis.我方一般对按CIF价出售的货物向中国人民保险公司投保。InsuranceistobeeffectedbythesellersagainstAllRisksfor110%oftheinvoicevaluewiththePeoplesInsuranceCompanyofChina.由卖方按发票金额110%向中国人民保险公司投保一切险。,coverv.,Carriageisnotcoveredbyquotation.报价中不包括运费。1.包括；涉及WewishtocoverthegoodsWPA.2.给投保；投保（险别）,coverv.,Thedamagewascoveredbytheinsurancecompany.这笔损失赔偿金由保险公司清偿。3.弥补；抵偿（损失等）；负担支付Ifyouinsistonyouroriginalquotation,wewillhavetocoverrequirementselsewhere.4.购进,covern.,1.封面hardcover精装书Doyouhavesufficientcoverforthisloan?你有足够的保证金作为这笔贷款的抵押吗？2.额外收费；保证金；信贷准备金,debit,debitnote借方通知；索款通知单debitanamounttoonesaccountdebitonesaccountwithanamount把一笔金额记入某人帐户的借方HisaccountwiththeBankofChinahadbeendebitedwiththesumof$5forhalf-yearlybankcharges.,参考答案,WearepleasedtoinformyouthatwehavecoveredtheabovegoodswiththePeoplesInsuranceCompanyofChinaagainstAllRisksfor$9,800.Thepolicyisbeingpreparedaccordinglyandwillbesenttoyoubytheendofthismonthtogetherwithourdebitnotforthepremium.Foryourinformation,wearemakingarrangementstoshipthe500casesoftoysbyS/STaiHusailingonorabout12ofAugust.,词汇补充、课文串讲,课本P116Theunderwritersdeclinedtopaytheclaim,notthatbreakagewasuncovered,butthattheriskwasinsuredwith10%franchise.保险商拒绝支付此项索赔，不是因为没有投保破碎险，而是因为这种险是按百分之五的免赔率承保的。franchise：免赔率118,小知识免赔率,免赔率是指不赔金额与损失金额的比率。免赔率分为相对免赔率与绝对免赔率两种。保险公司认为某些易碎、易短量的商品在运输途中遭受一定比例的损失是不可避免的，故投保这类商品规定在某百分比范围的破碎或短量可以免赔，该百分比就是免赔率。投保的商品实际损失比率超过规定的免赔率时，保险公司只负赔偿超过免赔率的部分，这种赔偿的比率叫作绝对免赔率。投保的商品实际损失比率起过了规定的免赔率时，保险公司负责赔偿实际全部损失，这种赔偿的比率叫做相对免赔率。,franchisen.,DistributordesirestosecureanexclusivefranchisetomarkettheproductinJapan.经销商希望取得在日本销售产品的独家特许权。n.特许；特许权；特许经销权afranchiseagreement特许专营协议afranchiseshop特许专营店,franchisev.,Thecorporationhasjustfranchisedourlocaldealer.该公司刚刚给我们本地的经销商授予特许经营权。franchiser/franchisor授予特许者franchisee特许经营人,surveyn.v.,调查；检查；观察surveyreport检验报告；公正报告；调查报告,callfor要求；规定；需要付款将采用售货合同规定的即期信用证方式。PaymentistobemadebyL/Catsightascalledforinthesalescontract.Theagreementinquestioncallsforyourworkingoutbusinesstotheamountof$500000.该协议书要求你们做成50万美元的生意。,deductv.扣减；减去,Wewilldeductthepremiumfromyourcommissionof5%payabletoyou.我们将从支付你方的5%的佣金中扣除保险费。,remains,remains=remaining=leftovern.剩下的；残余的；余额TheremainingisgoingtobeshippedbythefirstavailablesteamerintheearlierpartofMay.剩余的货物将于5月初利用第一班轮船发运。,proceedsn.,Proceedsfromtheconcertwillgotocharity.音乐会的收入将捐赠给慈善事业.proceedsn.收益,收入;实收款项proceedsfromsales销售收入proceedsofbusiness营业收入,proceedvi.,Thenegotiationsareproceedingslowly.1.进行Oncewereceiveyourreply,wewillproceedtotalkwiththemagain.一收到你方的答复，我们就会和他们继续洽谈。2.继续进行,proceedvi.,Weshallproceedagainstyouifyoudonotpaywithin30days.若你方30天内不付款，我们将起诉你方。3.起诉,raten.比率；率arateofinterest利率arateofforeignexchange外汇汇率therateofprofit利润率,课内检验：,阅读理解练习,翻译练习,InreplytoyourletterofFebruary24regardinginsurance,wewouldliketoadviseyouofthefollowing:Yourcustomersrequestforinsurancecoverageuptotheinlandcityisacceptableontheconditionthatsuchextrapremiumisforhisaccount.,onconditionthat只有在这样条件下Weacceptyourofferonconditionthatyouagreetopackthegoodsinsmallcases.只有在你方同意将此货装在小箱内的条件下，我们才能接受你方的报盘。,翻译练习,AndgenerallywecoverinsuranceWPAandWarRiskintheabsenceofdefiniteinstructionsfromourclients.,WeusuallycoverinsuranceWPAandagainstWarRisksintheabsenceofthebuyersdetailedrequirements.在买方没有具体要求的情况下，我们一般投保水渍险和战争险。intheabsenceof在没有（的情况下）；在缺乏（的情况下）,grantv,Thebankrefusedtograntthemexportcredit.银行拒绝给他们提供出口信贷。1.同意，准予，授予Wegrantthetruthofwhatyouhavementionedinyourletter.我们承认你方在信中所言属实。2.承认,翻译练习,IfyouwanttocoverAllRisks,wecanprovidesuchcoverageataslightlyhigherpremium.SinceBreakageisaspecialrisk,anextrapremiumwillhavetobecharged.Thepresentrateisabout0.7%.Claimsarepayableonlyforthatpartoftheloss,thatis,over5%.索赔赔偿只赔偿超过5%的那部分。,Inconnectionwiththevaluetobeinsured,wecannotgrantyouinsurancecoveragefor150%oftheinvoicevalue,asthecontractstipulatesthatinsuranceistobecoveredfor110%oftheinvoicevalue.,grantn,Studentsinthiscountryreceiveagrantfromthegovernment.这个国家的学生可得到政府的助学金。1.授予物;奖学金,助学金,补助金2.财产转让,补充词汇：,charge(s)n.费用Thatcanbearrangedprovidedyoubeartheadditionalcharges.如贵方负担增加的费用，那就能安排照办。我方将免费寄送这些样品。Weshallsendyouthesamplesfreeof(without)charge.如贵方需要手套一副一副地包装，总共还要一笔500美元的费用。IfyourequireindividualpackingfortheGloves,therewillbeachargeofUSD$500inall.,remitintoonesaccount将汇入某人的帐户收到样品后，我方就把500美元的货款汇入贵方帐户。WeshallremitUSD$500intoyouraccountuponreceiptofthesamples.Pleasesenddocumentstousdirectandwewillremit.请将单据直接寄来，货款由我方汇去。,Wetrusttheaboveinformationservesyourpurpose.Meanwhileweawaityourreply.我方相信以上所述符合贵方的要求并等候贵方答复。servev.符合，适合,ThisistocertifythatthisCompanyhasinsuredonbehalfofChinaNationalLightIndustrialProductsImport&ExportCorp.,ShanghaiBranch.兹证明本公司代表中国轻工产品进出口公司，上海分公司办理了保险。,Thisistocertifythat兹证明（多用于句首）Thisistocertifythatwe,theundersigned,haveinspected/testedthequalityoftheabove-mentionedgoodsandfoundtheresultasfollows:兹证明所列商品，其品质经我方检验，结果如下：,on(in)behalfof/ononesbehalf代表，为了Wewishtothankyouonbehalfoftheendusers.我方愿代表用户向船主致谢。Pleaseclaimonourbehalfagainsttheshipownerswhoareevidentlyresponsibleforthisloss.显然，船主要对这一损失负责，请代表我方向船主提出索赔。,基本句型听力训练,1.Wehavecoveredinsuranceon1,000casesofbeerfor110%oftheinvoicevalueagainstallrisks.我们已将一千箱啤酒按发票金额的百分之一百一十投保一切险。2.Ifyoudesireustoinsureagainstaspecialrisk,anextrapremiumwillhavetobecharged.如你想投保特殊险别，将向你收取额外保费。3.Thisriskiscoverableatapremiumof0.25%.该险别的保险费是百分之零点二五。4.Theinsurancecompanyinsuresthisriskwith5%franchise.保险公司保这种险有百分之五的免赔额。5.Afterloadingthegoodsonboardtheship,youmustgototheinsurancecompanytohavetheminsured.货船装船后，你必须找保险公司为货物投保。,6.Wecanserveyouwithabroadrangeofcoverageagainstallkindsofrisksforseatransport,suchasFreeofParticularAverage(F.P.A.),WithParticularAverage(W.P.A.),AllRisksandExtraneousRisk