Unit_11_Insurance

1、Unit 11 Insurancethe insured :投保人（被保险人） the insurer：承保人（保险人）insurance amount：保险金额coverage：险别premium：保险费insurance policy：保险单insurance certificate：保险凭证 F.P.A 平安险 W.P.A 水渍险 W.A. 水渍险 A.R. 一切险 additional risk 附加险 general additional risk 一般附加险 special additional risk 特殊附加险 warehouse to warehouse clause 仓至

2、仓条款投保，办理保险Cover insuranceArrange insuranceEffect insuranceProvide insuranceTake out insurance 说明情况时，insurance后介词的用法：1.表示所保的货物，后接 on，如： insurance on the 100 ton of wool。2. 表示投保的险别。后接 against。如： Insurance against all risks3. 表示保额。后接for 如 insurance for 110 of the invoice value4. 表示保险费或费率， 后接at，如：insura

3、nce at a slightly higher premium，insurance at the rate of 55. 表示向某保险公司投保，后接with， 如：insurance with PICCWe have covered insurance on the 100 metric tons of wool for 110%of the invoice value against all risks. Insure v. 保险，投保保险，投保 Please insure the goods against all risks and war risk.2.Please insured

4、against breakage.3.Insured amount : 保额，保险金额4.Insured cargo/goods: 投保的货物5.The insured: 被保险人 Cover 1） n. 保险We have arranged the necessary insurance cover.2） V. 保险，投保 ； 后可接所保的货物、和投保的险别、insurance 和被保险人。We shall cover the goods against all risks.We shall cover all risks and war risk for you.Insurance is

5、to be covered by the buyers.This insurance policy covers us against breakage. Coverage : 保险范围Letter 1In reply to your letter of the 3rd November enquiring about the insurance on our CIF offer for Double Offset Ring Spanners made to you on the 20th October 回复你方回复你方11月月3日来函，就信中你方询问我日来函，就信中你方询问我方在方在10月

6、月20日向你方报梅花扳手日向你方报梅花扳手CIF价的价的保险一事保险一事 We usually effect insurance with the Peoples Insurance Company of China against All Risks, as per Ocean Marine Cargo Clauses of the Peoples Insurance Company of China , dated the 1st, 1981.Ocean Marine Cargo Clauses 海洋运输货物条款海洋运输货物条款我们一般是按中国人民保险公司我们一般是按中国人民保险公司198

7、1年年1月月1日颁日颁布的海洋运输货物条款，向中国人民保险公司投布的海洋运输货物条款，向中国人民保险公司投保所有险保所有险。 Institute Cargo Clauses 协会货物保险条款 If there is any difference in premium between the two it will be charged to your account. 费用由你方负担费用由你方负担 The extra premium is borne by you Underwriter:保险人（保险公司）Letter 2 We usually effect insurance with th

8、e Peoples Insurance Company of China for 110% of the invoice value. 我们通常是按照发票金额的110%向中国人民保险公司办理保险的. Settle claims :理赔 Agent: 代理 File ones claim with 向提出索赔 Take up 着手处理 We insure the goods against the usual risks and in the present case All Risks. 我们一般对货物投保一些通常的险别,对这次交易,我们准备投保一切险. in the present case

9、 在这一事件上 Should broader coverage be required, the extra premium is for/on the buyers account. 如果你方要求投保更多险别,额外的保险费用将由你方承担.补充练习 Filling the blanks with proper words: 1.For transactions concluded on CIF basis, ( ) is to pay the insurance premium. 2.please insure the shipment ( ) All Risks on our behalf.

10、 the selleragainst 3.we can effect insurance at 120% of the invoice value but the extra ( ) should be borne by you. 4.The seller should present an insurance ( ) at the time of negotiation when the goods are sold on CIF basis.premiumpolicy 5.Should damage occur, ( ) must raise their claim with the in

11、surance company or their agents immediately. 6.We can effect insurance against any additional risks but the extra premium should be charged ( ) your account. the buyerto 7.PICCs agents at your end will take ( ) your claim promptly in case damage or loss occur. 8.PICC will ( ) you for the loss sustai

12、ned if it is proved reasonable. upcompensate 9.What insurance ( )are the PICC to follow if damage occurs? 10.In addition to the China Insurance Clauses, PICC can also follow ( ) Clauses. clausesICC Institute Cargo Clauses 协会货物保险条款Writing Write a letter to your customer to urge shipment of Blue Wolle

13、n Serge under Order No.5781. The relevant L/C has been extended to 31st match. Dear sirs, We wish to invite your attention to our Order No.5781 covering 500 pieces Blue Woolen Serge, for which we sent to you about 30 days ago an irrevocable L/C expiration date 31st March. As the season is rapidly ap

14、proaching, our buyers are badly in need of the goods. We shall be very much obliged if you will effect shipment as soon as possible, thus enabling them to catch the brisk demand at the start of the season. We would like to emphasize that any delay in shipping our booked order will undoubtedly involv

15、e us in no small difficulty. We thank you in advance for your cooperation. Yours faithfully,ExercisesI.0. Please insure at invoice value plus 10%. 请按发票金额的110%投保。 1.We wish to confirm having concluded a transaction of 4,000 yards of printed shirting under our order No.158 on CIF basis, but wish to kn

16、ow what “I” covers according to your usual CIF terms. 我们确认根据我方第我们确认根据我方第158号订单在号订单在CIF基础上已成基础上已成交了一笔交了一笔4000码印花衬衫布的交易码印花衬衫布的交易,但希望知道但希望知道按照你方通常的按照你方通常的CIF条款条款,”I”所投保的是什么险所投保的是什么险别别. 2.For transactions concluded on CIF basis, we usually cover the insurance against All Risks for 110% of the full invoi

17、ce with the Peoples Insurance Company of China as per CIC of the 1st January,1981. CIC: China Insurance Clause 中国保险条款中国保险条款Ocean Marine Cargo Clauses of PICC 中国人民保险公司海洋运输货物保险条款中国人民保险公司海洋运输货物保险条款对于以对于以CIF成交的交易成交的交易,我们一般根据我们一般根据1981年年1月月1日中国保险条款向中国人民保险公司按发票日中国保险条款向中国人民保险公司按发票金额的金额的110%投保一切险投保一切险. 3.We

18、 have been doing business with you on the basis of CIF, but as Simpson Insurance Company here has promised to quote us a favorable rate and give us a handsome premium rebate from now on, we would like to know if you could make the price CFR for future business, instead of CIF.我们一向与你在我们一向与你在CIF 基础上进行

19、交易基础上进行交易,但这但这里的辛普森保险公司已答应从现在起给我里的辛普森保险公司已答应从现在起给我较低的保险费率和优惠的保险回扣较低的保险费率和优惠的保险回扣,故希故希望了解对以后的交易望了解对以后的交易,你方能否报你方能否报CFR 价价,而不是而不是CIF价价. 4.The difference between CIF and CFR prices depends on the nature of the goods to be insured, the degree of coverage desired and the place of destination. CIF和和CFR价格之

20、间的差额要根据所要保险价格之间的差额要根据所要保险的货物性质的货物性质,所要投保险别的多少以及目所要投保险别的多少以及目的地而定的地而定. 5.The People Insurance Company of China is a state-owned enterprise enjoying high prestige in settling claims promptly and equitably. It is advisable for you to do business with us on CIF basis and leave the insurance to be effect

21、ed by us.settling claims 理赔Advisable 明智的，合理的中国人民保险公司是国营企业中国人民保险公司是国营企业,享有理赔迅速公正享有理赔迅速公正的崇高声誉的崇高声誉.你们在你们在CIF基础上同我们进行交易基础上同我们进行交易较为合适较为合适,而把保险留给我们投保而把保险留给我们投保. 6.For goods sold on CIF basis, insurance is usually to be effected by us against All Risks and War Risk based on warehouse to warehouse clause

22、 for the invoice value plus 10%. 对按对按CIF条款出售的货物条款出售的货物, 通常由我们按发票金额通常由我们按发票金额加加10%根据仓至仓条款投保一切险和战争险根据仓至仓条款投保一切险和战争险. 7.Your request for insurance to be covered for 150% of the invoice value can be met but the premium for the difference between 150% and 110% should be for your account. For your account

23、 由你方负担我们可满足你方要求按发票金额的我们可满足你方要求按发票金额的150%保保险险,但但150%与与110%之间的保险费差额要之间的保险费差额要由你方负担由你方负担. 8.Our underwriter has surveyors and agents in practically all the big cities in the world to handle claims. Should any damage occur to the goods a claim may be filed with the insurance agent at your end with neces

24、sary documents.handle claims 办理索赔办理索赔我们的保险公司在世界各大城市都有检验员和代理我们的保险公司在世界各大城市都有检验员和代理人来办理索赔人来办理索赔,如货物发生损失如货物发生损失,可凭必要的单证可凭必要的单证向你处的保险代理提出索赔向你处的保险代理提出索赔. 9.If you have an open policy with your insurance company we dont object to your covering insurance at your end and in that case we will advise you of t

25、he particulars of the shipment as soon as we ship the goods.open policy 预约保单预约保单你如果与你保险公司安排有预约保单你如果与你保险公司安排有预约保单,我不反对我不反对在你处保险在你处保险.这样的话这样的话,我们在装运货物后当立即我们在装运货物后当立即通知装运货物的细节通知装运货物的细节. 10.Please quote you lowest rate for the floating policy of $150,000 against All Risks, general merchandise, in wooden

26、 cases only per s.s. and , from Boston or New York to Liverpool or Southampton. floating policy 预约保单预约保单请开请开$150,000预约保单的最低保费率投保一般预约保单的最低保费率投保一般货物的一切险货物的一切险.包装为木箱包装为木箱,由波士顿或纽约到利由波士顿或纽约到利物浦或南安普敦由物浦或南安普敦由和和轮装运轮装运 1.我们一般的保险金额是发票总值的110%投保一切险.假如你们对保险金额及投保险别有特殊的要求,请告诉我们.我们当在力所能及的范围内满足你方要求,但所牵涉到的额外费用,须由你方负

27、担. We usually effect insurance against All Risks for 110% of the full invoice value. In case/If you have specific requirement for the insured amount or insurance coverage, please let us know and we will do our best within our reach to meet your requirement. However, the additional premium involved i

28、s for your account/ to be borne by you. 2.我们客户要求你方报CIF纽约价,因为他们认为由你方保险比较简单,但他们希望知道你们将投保什么险别,保险金额以及向谁投保等情况. Our clients ask you to quote CIF New York price because it is simpler to have the insurance covered/effected by you. However, they wish to have such information as the risks to be insured agains

29、t, the amount of insurance, the party with whom the insurance is to be covered. 3.若货物发生灭失或损坏,你们可在货到后60天内连同公证报告,保险单,索赔清单等单据,向我方保险公司在你地的代理提出索赔. In case of loss or damage to the goods, you may file a claim supported by a survey report, insurance policy, statement of claim and other necessary documents

30、within 60 days after arrival of the shipment with our insurance companys agent at your end. 4.我们报的是CFR价格,因此,货物将由你方保险,但我们在货物装运后,将立即通知你们有关的装运情况. Our price is quoted on CFR basis and consequently the insurance is to be covered by yourselves. However, as soon as we ship the goods we will let you know th

31、e relative shipping position. 5.中国人民保险公司差不多在全世界各主要港口都有验货人及代理人.万一货物灭失或损坏,保险赔款可在你地支付. The Peoples Insurance Company of China has surveyors and agents practically in all main ports of the world. In case of loss or damage, insurance claim is payable at your end. 6.我们所报的CIF价格,没有把任何附加险计算在内,我们只投保通常的水渍险. Ou

32、r CIF prices are calculated without taking into consideration/calculating insurance against any additional risks and we usually cover insurance against W.P.A.IV. Letter 1In reply to Regarding insuranceRequest forOn condition thatExtra premium Be for his accountGrant you insuranceThe invoice valueThe contract stipulatesInsurance is to be coveredThe above information We awaitLetter 2To inform you.Placing their ordersOn CIF basisSave their timeSimplify proceduresFollow this practiceFor your informationEffect insurance withA state-operated enterprise.Enjoying