Unit 12 insurance

1、International Business Communication By: Benjamin ChenUnit 13Insurance 保保 险险Main contentsn1. the Importance of Insurance n 2. the main types of insurances n 3. Letter writing concerning insurance Part 0ne IntroductionnOver a long distance Over a long distance nProcedures of loading, unloading and Pr

2、ocedures of loading, unloading and storing.storing. nVarious kinds risks Various kinds risks nsometimes suffer losses.sometimes suffer losses. nNecessary and importantNecessary and important to insure goods to insure goods sold for export sold for export against the risks of the against the risks of

3、 the journeyjourney. . The main importance to shift risks during the course of transportationTrade terms and insurancenCIF： nthe seller insures on the goods and bears the premium. nFOB:n the buyer insures on the goods and bears the premium.nCFR:n the buyer insures on the goods and bears the premium.

4、Part 2 main types of insuranceBasic risksFree from particular averageFPAWith particular averageWPAAll RisksA.RAdditional risksnHook Damage 钩损险钩损险nRisk of Odor 串味险串味险nRisk of Rust 锈损险锈损险nSweating & Heating Risk 受潮受热险受潮受热险nRisk of Shortage 短量险短量险nRisk of Leakage 渗漏险渗漏险nPilferage & Theft 偷窃险偷窃险

5、nBreakage of Packing 包装破裂险包装破裂险Additional risksnWar Risk 战争险战争险nStrikes risks 罢工险罢工险nAflation Risk 黄曲霉素险黄曲霉素险nFailure to Deliver 交货不着险交货不着险nOn Deck 舱面险舱面险nRejection Risk 拒收险拒收险n(一一) 平安险平安险 n本保险负责赔偿： n1、货物在运输途中由于恶劣气候、雷电、海啸、地震、洪水自然灾害造成整批货物的全部损失或推定全损。当被保险人要求赔付推定全损时，须将受损货物及其权利委付给保险公司。被保险货物用驳船运往或运离海轮的，每一

6、驳船所装的货物可视作一个整批。 推定全损是指被保险货物的实际全损已经不可避免，或者恢复、修复受损货物以及运送货物到原订目的地的费用超过该目的地的货物价值。 n2、由于运输工具遭受搁浅、触礁、沉没、互撞、与流冰或其他物体碰撞以及失火、爆炸意外事故造成货物的全部或部分损失。 n3、在运输工具已经发生搁浅、触礁、沉没、焚毁意外事故的情况下，货物在此前后又在海上遭受恶劣气候、雷电、海啸等自然灾害所造成的部分损失.n4、在装卸或转运时由于一件或数件整件货物落海造成的全部或部分损失。 n5、被保险人对遭受承保责任内危险的货物采取抢救、防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为

7、限。 n6、运输工具遭遇海难后，在避难港由于卸货所引起的损失以及在中途港、避难港由于卸货、存仓以及运送货物所产生的特别费用。 n7、共同海损的牺牲、分摊和救助费用。 n8、运输契约订有“船舶互撞责任”条款，根据该条款规定应由货方偿还船方的损失。n(二二) 水渍险水渍险 n除包括上列平安险的各项责任外，本保险还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水自然灾害所造成的部分损失。 n(三三) 一切险一切险 n除包括上列平安险的各项责任外，本保险还负责被保险货物在运输途中由于外来原因所致的全部或部分损失。包括下列11种条款： n1. 偷窃、提货不着险条款； 2. 淡水雨淋险条款； n3. 短

8、量险条款； 4. 混杂、沾污险条款； n5. 渗漏险条款； 6. 碰损、破碎险条款； n7. 串味险条款； 8. 受潮受热险条款； n9. 钩损险条款； 10. 包装破裂险条款； n11、锈损险条款。 Amounts insurednFor CIF transactions: n110% of the invoice value.nThe buyer may request insurances to cover more than 110%, but the extra premium will be for buyers account.Parties to insurancen保险人保险

9、人 insurer ，underwritern保险公司保险公司 insurance companyn投保人（被保险人）投保人（被保险人） the insuredn保险单保险单 insurance policyn保险凭证保险凭证 insurance certificatenPhrases about insurance: n(1) 表示投保的货物：表示投保的货物：insurance on 100 tons of cottonn(2) 表示投保的类别：表示投保的类别：insurance against War Riskn(3) 表示保费或费率：表示保费或费率：insurance at the ra

10、te of 10%, insurance at a lower premiumn(4) 表示向保险公司投保：表示向保险公司投保：insurance with Xinhua Life Insurance Company of Chinan (5) 表示投保货物的价值表示投保货物的价值n Cover the goods for US$ 30 000n投保：投保：nArrange an All Risks insurancenCover the goods against All RisksnEffect insurance against All RisksnProvide insurance n

11、Take out insurance on these goodsUseful sentencesnWed like to cover the Risk of Breakage for this lot of goods.n我方为该批货物投破碎险险。nPlease cover us on the following goods.n请为我们投保下列商品。nWe usually effect insurance against All Risks and War Risk for the invoice value plus 10% on the goods sold on CIF basis.n

12、通常对按CIF价格达成交易的商品，我们按其发票价值加10%投一切险和战争险。nWe think FPA gives enough protection to all our shipments to your area.n我方认为平安险足能确保货物到达你处。nPart 3 Letter writingn (A)nDear Sirs,Dear Sirs,nIn reply to your letter of November 13 In reply to your letter of November 13 enquiring about the insurance on our CIF enq

13、uiring about the insurance on our CIF offer for Traveling Scissors made to you on offer for Traveling Scissors made to you on the 20 October, we wish to give you the the 20 October, we wish to give you the following information:following information: For transactions concluded on CIF basis, For tran

14、sactions concluded on CIF basis, we usually effect insurance with PICC we usually effect insurance with PICC against All Risks, as per Ocean Marine against All Risks, as per Ocean Marine Cargo Clauses of PICC dated the 1 Cargo Clauses of PICC dated the 1 January, 1981. Should you require the January

15、, 1981. Should you require the insurance to be covered as per Institute insurance to be covered as per Institute Cargo Clauses (ICC) we would be glad to Cargo Clauses (ICC) we would be glad to comply but if there is any difference in comply but if there is any difference in premium between the two i

16、t will be premium between the two it will be charged to your account.charged to your account.nWe are also in a position to insure the We are also in a position to insure the shipment against any additional risks if shipment against any additional risks if you do desire, and the extra premium is you

17、do desire, and the extra premium is to be borne by you. In this case, we shall to be borne by you. In this case, we shall send you the premium receipt issued by send you the premium receipt issued by the relative underwriter.the relative underwriter.nUsually, the amount insured is 110% of the Usuall

18、y, the amount insured is 110% of the total invoice value. However, if a higher total invoice value. However, if a higher percentage is required, we may do percentage is required, we may do accordingly but you have to bear the extra accordingly but you have to bear the extra premium as well.premium a

19、s well.nWe hope our above information will provide We hope our above information will provide you with all the information you wish to you with all the information you wish to know and we are now looking forward to know and we are now looking forward to receiving your order.receiving your order.n Yo

20、urs faithfully, Yours faithfully, Reviewn1 the importance of insurancen to shift the risks during the course of transitn2 what are the basic risks? And name some of the additional risks.n basic: FPA, WPA, All Risksn3 In the letter concerning insurance, what points should be covered ?nTypes of insura

21、nce and the amount insured.nLetter B n n letter concerning insurancenDear Sirs,Dear Sirs,nAnsweringAnswering your letter of August 10 in your letter of August 10 in regard to insurance, we would like to regard to insurance, we would like to inform you of the following:inform you of the following:nAL

22、L Risks:ALL Risks: GenerallyGenerally we cover insurance we cover insurance WPA & War RiskWPA & War Risk in the absence of definite in the absence of definite instructions from our clientsinstructions from our clients. . If you desire If you desire to cover All Risks, we canto cover All Risk

23、s, we can provideprovide such such coverage at a slightly higher premium.coverage at a slightly higher premium.nBreakage: Breakage is a special risk, for which Breakage: Breakage is a special risk, for which an extra premium will have to be charged. The an extra premium will have to be charged. The

24、present rate is about 5%. Claims are payable present rate is about 5%. Claims are payable only for that part of the loss.only for that part of the loss.nValue to be insured: We note that you wish us to Value to be insured: We note that you wish us to insure shipment to you for 10% above invoice insu

25、re shipment to you for 10% above invoice value,value, which is having our due attention.which is having our due attention.nWe trust the above information will serve your We trust the above information will serve your purpose and await your further news.purpose and await your further news.n nYours fa

26、ithfully,Yours faithfully, Dear Miss Liao, Re: 1500 pieces Tea sets With reference to the order No. 894 for 1500 pieces Tea sets. we have opened through the Bank of China, New York, confirmed, irrevocable L/C for US$29000, valid till July 20. It is your usual practice to insure the goods against FPA

27、 for only 10% above invoice value. But owing to the special feature of our goods, wed like to have the fragile goods insured against FPA and Breakage for 150% of the invoice value for this transaction. The extra premium will be for our account. We shall be grateful if you will arrange insurance as r

28、equested and let us have your advice as soon as the goods are delivered. Yours sincerely, Dear Sirs, Referring to 5000 pieces wooden toys under our S/C No.356, we are informing you that we have opened confirmed irrevocable L/C with Bank of China. Please note that the above shipment should be at our

29、port before 31th. Insurance is to be covered for 110% invoice value against all risks and war risk. We are waiting for your shipping advice. Yours faithfully,Letter concerning insurance based on CFRnPage 209, reading: letter C Key Words ninsure v. 1.保险；投保保险；投保 nWe have insured the shipment F.P.A. an

30、d against War Risk.nWe have insured for 110% of the invoice value.2.为。保险为。保险 nPlease insure us on the following goods.n 请为我们保险下列货物。请为我们保险下列货物。3. (= ensure) 保证；担保保证；担保 nYour help insured us the success of our business.n 你们的帮助保证了我们业务上的成功你们的帮助保证了我们业务上的成功。nCarefulness will insure you against further err

31、ors in packing.n 细心一些担保你们不再出包装差错。细心一些担保你们不再出包装差错。n insurance nn. 保险保险 n Insurance is to be covered (effected) by the seller on the subject article against All Risks for 110% of the invoice value.n 标题商品由卖方按发票金额标题商品由卖方按发票金额110%110%投保一投保一切险切险 nassure vt. 向。保证；使。向。保证；使。确信确信nassure sb. of （接名词）（接名词） nWe assure you of our prompt attention to the matter.n 我们向你保证立即办理此事。我们向你保证立即办理此事。nassure sb. that （接从句）（接从句） n