外贸英语函电Unit 10 Insurance

1、Unit 10 InsuranceContent o Introduction o Background informationo Case studyn Case 1n Useful phrasesn Exercises . The purpose of insuranceo to provide compensation for those who suffer from loss or damage. o It is a contract of indemnity. Parties involved in insurance the insurer the party who agree

2、 to accept the risk the insured the party seeking protection from the risk the beneficiary can be same person the party who will get the compensation when any loss occur o Insurance policy 保险单保险单n Contract between the insurer and the insuredo Insurance premium n The sum of money the insured agrees t

3、o pay the insurer for an insurance policyo Insurance amountBackground informationo Marine risk o Average o Coverage o 风险：风险： risks, perils total losso 损失：损失：losses particular average partial loss (单独海损）单独海损） general average （共同海损）（共同海损）o 险别：险别：risks, perils, coverages 保险公司按照不同保险公司按照不同险别包括的包括的风险所造成的所

4、造成的损失和发生的费用承担和发生的费用承担赔偿责任，所以在保险业务中赔偿责任，所以在保险业务中风险、损失和和险别三者有着紧密的联系，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。的理解。基基本本险险平安险平安险F.P.A (Free From Particular Average)水渍险水渍险W.P.A (With Particular Average)一切险一切险All Risks附附加加险险一一般般 附附加加险险偷窃，提货不着险偷窃，提货不着险T.P.N.D. (Theft, Pilf

5、erage & Non-delivery)淡水雨淋险淡水雨淋险F.W.R.D. (Fresh Water &/or Rain Damage)短量险短量险 (Risk of Shortage)混杂，玷污险混杂，玷污险 (Risk of Intermixture and Contamination)渗漏险渗漏险 (Risk of Leakage)碰损，破碎险碰损，破碎险 (Risk of Clash and Breakage)钩损险钩损险 (Hook Damage)受潮受热险受潮受热险 (Damage Caused by Sweating and Heating)包装破裂险包装破裂

6、险 (Breakage of Packing)串味险串味险 (Risk of Odour)锈损险锈损险 (Risk of Rust)特特殊殊附附加加险险战争险战争险 (War Risk)罢工险罢工险 (Strikes Risk)交货不到险交货不到险 (Failure to Delivery)进口关税险进口关税险 (Import Duty Risk)舱面险舱面险 (On Deck Risk)拒收险拒收险 (Rejection Risk)黄曲霉素险黄曲霉素险 (Aflatoxin Risk)Marine risko Perils of the sea(海上风险海上风险)n natural cala

7、mities:n fortuitous accidentso Extraneous risksPerils of the seao natural calamities: n heavy weather, lightening, earthquake, volcanic eruption and so on.o fortuitous accidents: n fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external ob

8、ject other than waterHeavy weatherlighteningearthquakeVolcanic eruptionTunami（海啸）Natural CalamitiesFortuitous accidentsfireexplosioncollisionStranded触礁sunkGrounded搁浅Extraneous riskso General Extraneous Risks:n theft and pilferage, contamination, leakage, breakage, sweating and/or heating, taint of o

9、dor, rusting, hook damage, fresh and/or rain water damage, short-delivery and non-delivery, shortage in weight, clashing and so on.o Special Extraneous Risks: n war, strike, failure to deliver due to some special laws or regulations.Average o Total loss:n Actual Total Loss(实际全损实际全损)n Constructive To

10、tal Loss(推定全损推定全损)o Partial loss: n General Average(共同海损共同海损)n Particular Average(单独海损单独海损)Partial loss o 1.General averagen It is a loss resulting from a voluntary sacrifice or expenditure in time of peril, for the safety of hull, cargo and freight.o 2.Particular average: n It means partial loss or

11、 damage accidentally caused to the ship or to a particular lot of goods. Particular average is not a total loss. It must be borne by the owner of the property suffering the loss, it is distinct from general average, which is shared by all who have a financial interest in the voyage and its risks in

12、proportion to the value of their interests. Coverage o basic risks Free from Particular Average (F.P.A) With Particular Average or With Average (W.P.A or W.A) All Riskso additional risksn general additional risksn special additional riskBasic riskso Free from Particular Average平安险平安险（ F.P.A ）n 范围较窄，

13、只提供实际海损所引起的全损及共同范围较窄，只提供实际海损所引起的全损及共同海损的赔偿。不承担单独海损的赔偿海损的赔偿。不承担单独海损的赔偿o With Particular Average（WPA）n 水渍险水渍险n 水渍险对整个保险期间内由海难引起的全部损水渍险对整个保险期间内由海难引起的全部损失或损坏提供广泛保险失或损坏提供广泛保险o All Risks (AR)一切险一切险n 不管是海难还是一般外来险原因所造成的被保不管是海难还是一般外来险原因所造成的被保之物的全损或部分损失的赔偿责任之物的全损或部分损失的赔偿责任o 包括共同海损和单独海损责任包括共同海损和单独海损责任o 外来原因造成的

14、短少，短量，渗漏，碰碎，钩损，外来原因造成的短少，短量，渗漏，碰碎，钩损，雨淋，生锈，受潮，受热，发霉，窜味，玷污等全雨淋，生锈，受潮，受热，发霉，窜味，玷污等全部或部分损失也负责赔偿部或部分损失也负责赔偿o 不包括战争险，不合格包装，内在缺点等不包括战争险，不合格包装，内在缺点等Additional riskso general additional risksn偷窃提货不着险（偷窃提货不着险（Theft, Pilferage and Non-delivery缩缩 T.P.N.D），淡水雨淋），淡水雨淋 （Fresh Water&/or Rain Damage），短量（），短量（Ri

15、sk of Shortage）,混杂玷污险（混杂玷污险（Risk of Intermixture and Contamination）,渗漏险（渗漏险（Risk of Leakage）,碰损破碎险（碰损破碎险（Risk of Clash and Breakage）o special additional riskn战争险（战争险（War Risk）,罢工险罢工险(Strikes Risk),交货不交货不到险（到险（Failure to Delivery）,进口关税险进口关税险(Import Duty Risk),舱面险舱面险(On Deck Risk),拒收险拒收险(Rejection Ris

16、k)和黄曲霉素险和黄曲霉素险(Aflatoxin).Case 1o Which party is this letter written by ?o What is his requirement? Why?o Which company does he choose? Why?o What other information is he asking for?o On CFR terms按按报价报价o Take out 出具出具o An open policy 预约保险单预约保险单o The Lloyd Insurance Companyn劳埃德保险公司劳埃德保险公司o On good te

17、rms with sb 交往甚好交往甚好o Underwritero Premium rebateo PICCnThe People,s Insurance Company of China 1. Insurance Policy (保险单,俗称大保单)2. Insurance Certificate (保险凭证，俗称小保单）3. Open Policy /Open Cover (预约保险单/总保险单)3 Forms of Marine Insurance Documents.1. 保险单Insurance Policy o 保险单是保险人已接受保险的正式凭证，俗称“大保单”，也是保险人和被保

18、险人之间订契约的证明。2.预约保单Open Policy o 预约保险单它是保险人承保被保险人在一定时期内分批发运的货物所出立的保险单。在预约保险单内，载明保险货物的范围、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结算办理等。3.保险凭证Insurance Certificate o 保险凭证是保险人对货物已接受保险的一种证明文件，俗称“小保单”，是简化的保险单，保险凭证仅载明被保险人名称、被保险货物名称及数量、船名、航程、开航日期、险别、保险期限和保险金额等必要的项目，而对保险公司与被保险人的权利和义务则不予载明。保险凭证与保险单具有同等效力。 Useful phrases1.

19、cover insurance on against eg. We cover insurance on the goods for 110% of the invoice value against All Risks and War Risk.Similar phrase：cover, arrange insurance, effect insurance, provide/take out insurance eg. For this contract, we would like you to arrange insurance at your end.o 表所保的货物，后接表所保的货

20、物，后接OnnInsurance on the 100tons of woolo 表投保的险别，表投保的险别，+againstnInsurance against all riskso 保额保额+fornInsurance for 110% of the invoice valueo 保费率保费率+atnInsurance at the rate of o 向某保险公司投保向某保险公司投保+withnInsurance with PICCInsure 的用法的用法o Vt. Insure sth./a risko Vi. Insure against a riskCover 的用法的用法o V

21、t.n Cover insurancen Cover a risko Cover All Risks and War Risksn Cover sth./sb. against a risko Cover the goods against All Riskso Cover us against Breakageo Premiumo at a premium of oeg. This kind of additional risk is coverable at a premium of 2%.o The premium is for buyers accountoeg. Under diff

22、erent trade terms, the insurance charge can go for buyers account or the sellers account.o Similar phrase：o to be borne by the buyero to be charged to the buyers accountVocabulary oinsurance agent 保险代理人保险代理人 insurance broker 保险经纪人保险经纪人 oinsurance certificate 保险凭证保险凭证 insurance commission 保险佣保险佣金金 oinsurance market 保险市场保险市场 insurance policy 保险单保险单o insurance amount 保险金额保险金额 o insurance cover