世纪商务英语外贸函电课件unit 11

1、LOGOUnit 11 Insurance保 险大连理工大学电子音像出版社世纪商务英语 外贸函电http:/LOGOBasic Knowledge ConcernedLetter-writing GuideOther Commonly Used Expressions and Sentences Sample Letters Practical Training Part One Part Two Part Three Part Four Part FiveContentshttp:/LOGOPart Onehttp:/ Insurance is an essential procedure

2、in international trade. The insured can obtain the guarantee from the insurance company (the insurer) to get compensation of the cargo damaged or lost in transit at a relatively small cost namely the insurance premium. Almost every international transaction by sea gets involved in insurance because

3、the risks in the sea voyage are unexpected and varied. Therefore it now has become the common sense that insurance should be bought in an international transaction, either by the exporter or the importer. 1. The Significance of InsuranceLOGOPart Onehttp:/ Usually, there are three kinds of basic risk

4、s package. They are FPA (Free from Particular Average), WA/WPA (With Particular Average) and AR (All Risks). The insured needs to choose one of them to insure against. In terms of the range of risks coverage, FPA is included in WA/WPA, and WA/WPA is included in AR. There are also eleven types of Gen

5、eral Additional Risk. Neither of them can be insured against alone. The insured is allowed to insure against one or several of them on the basis that he has already chosen FPA or WPA. The insured choosing AR does not need to consider them as AR has naturally covered all of them. The eleven types of

6、General Additional Risk are (1)Theft, Pilferage and Non-Delivery (TPND), (2)Fresh Water &/or Rain Damage (FWRD), (3)Risk of Shortage (4)Risk of Intermixture and Contamination, (5)Risk of Leakage (6)Risk of Clash & Breakage, (7)Risk of Odour, (8)Heating & Sweating Risk (9)Hook Damage Risk

7、, (10)Risk of Rust, (11)Breakage of Packing Risk. Other than the above risks there are another eight kinds of Special Additional Risk, against one or several of which the insured can insure the cargo. 2. The Coverage of InsuranceLOGOPart Onehttp:/3. The Role of the Insurance Policy If the damage or

8、loss of the consignment, which has been insured, occurs during the period of transportation and discharge, the insured will certainly lodge a claim asking for indemnity from the insurer. Under such circumstances the insurance policy of the cargo becomes an indispensable document to be presented. Und

9、er CIF term and under payment method of Letter of Credit (L/C), after shipping the goods the exporter will go to the negotiating bank requesting the payment of the shipped cargo by submitting several required documents, among which the insurance policy is a must together with the Bill of Lading(B/L)

10、, commercial invoice and draft, etc. LOGOPart Twohttp:/Steps/ContentsTypical ExpressionsFor letters from the importer requesting the exporter to insure the goods1. Referring to which shipment of goods is to be insured againstWe would like to refer you to the goods under order No. . 本函所提及的是号订单项下的货Wit

11、h regard to the consignment under the L/C No. .关于号信用证所涉及的货物Referring to the cargo under S/C No. .至于号销售确认书上的货Please have the goods insured against. for. % of the invoice value. 请按发票金额的%为货物投保险LOGOPart TwoSteps/ContentsTypical Expressions2. Stating the risks coverage to insure against and the amount of

12、 the insured valueWould you like to insure, on behalf of us, the consignment against. at the invoice value plus.% 贵方能否代我们以发票金额加%作为保险金额来为这批货投保险?Please see to it that the insured value for this shipment is 130% of the invoice value, amounting to. 请注意这批货物的保险金额是发票金额的130%,即为Upon the receipt of your debit

13、 note we will remit you the amount of the premium. 一收到贵方寄来的还款通知,我们就会将保险费款给你们汇去http:/LOGOPart TwoSteps/ContentsTypical Expressions3. Clarifying the payment of the premiumThe extra premium for the additional coverage beyond the normal insured amount of 110% of the invoice value will be for our account

14、. 正常保险金额是发票金额的110%,若保险金额高于此,高出部分应缴的保险费由本方支付After finishing the insurance procedure you can draw on us a sight draft for our refunding you the premium fee. 待贵方完成投保手续后可向我方开出即期汇票,以便我们把保险费款还给你们4. Expressing your expectationWe hope that the goods can be insured as per the above request. 希望按以上要求给货物投保http:

15、/LOGOPart TwoSteps/ContentsTypical ExpressionsPlease inform us whether you agree with the said arrangements of insurance. 贵方是否同意这样的保险安排,请告知我们For letters from the exporter in reply to the importers request of insuring goods1. Confirming the receipt of the importers request We have received your lette

16、r requesting us to handle insurance on the consignment of. against. at. % of the invoice value. 我们已收到贵方来函,该函中要求我方以发票金额%的保险金额为货投保险Your letter of September 8 asking us to insure the shipment of 800 m/t Chinese rice on your behalf has been noted.你们9月8日的来函收悉,得知贵方希望本方代你们为800公吨中国大米投保http:/LOGOPart TwoStep

17、s/ContentsTypical Expressions2. Informing the importer of what has been doneWe take pleasure in informing you that we have covered the insurance of the consignment of. against. for the amount of. 我们高兴地通知贵方,我方业已为货投保了保险金额为的险We have obtained the insurance policy on the shipment under the L/C No. . evid

18、encing the coverage of the goods against. at full invoice value plus. % 对于号信用证项下货物我方已取得了保险单,单上证明货物已按发票金额加%的额度投保http:/LOGOPart TwoSteps/ContentsTypical Expressions3. Clarifying the payment of the premium charge As per your confirmation we will send you the insurance policy together with a debit note

19、for the premium fee.按照贵方已确认的那样,我们会把保险单以及保险费款的还款通知一并寄给你们Since the insured amount required by you is 150% of the invoice value, we shall, based on our agreement draw on you at sight for the extra premium on top of 110% of the invoice value.贵方要求投保发票金额的150%,根据我们双方已达成的协议,我方会向你们开出即期汇票,以便你们返还发票金额110%以上部分保险

20、金额的保险费款http:/LOGOPart Threehttp:/Expressions (1)1. the insured 被保险人2. the insurer 承保人,保险人3. insurance company 保险公司4. insurance agent 保险经纪5. insurance policy 保险单6. insurance value/amount 保险金额7. insurance premium 保险费8. insurance coverage 保险范围(可指险别和/或金额范围)9. Free from Particular Average (FPA) 平安险10. Wi

21、th Particular Average (WPA/WA) 水渍险LOGOPart Threehttp:/Expressions (2)11. All Risks (AR) 一切险12. General Additional Risk 一般附加险13. Special Additional Risk 特殊附加险14. War Risk 战争险15. with a franchise of. % 有一个%的免赔率16. cover/effect/arrange/take out/attend to/provide/handle insurance 投保,买保险17. cover the goo

22、ds against. risk 为货物投保险18. insure. with. insurance company 向保险公司投保货物19. for ones account 由支付20. the Peoples Insurance Company of China (PICC) 中国人民保险公司LOGOPart Threehttp:/Typical Sentences (1)1. We will insure the goods against WPA and TPND for the invoice value plus 10%. 2. Many export-oriented Chin

23、ese manufacturers choose to insure their consignment with the PICC. 3. We would like to take out insurance on your behalf.4. Considering the port of destination is not far from the war zone we suggest you to cover the insurance for the shipment against All Risks and War Risk. 5. When we cover insura

24、nce for goods made of glass it is necessary that Risk of Clash & Breakage is included.6. Im calling to ask whether your insurance company allows the foodstuffs to be insured against the risk of deterioration.7. As the exporter, we follow the prevalent practice that our CIF price covers the insur

25、ance against WPA and any extra premium of additional risks should be for the importers account. LOGOPart Threehttp:/Typical Sentences (2)8. It has become the common sense that the insurance of goods traded on the basis of CFR or FOB term is supposed to be arranged by the buyer.9. Unless otherwise re

26、gulated in the L/C, the negotiation bank will permit the beneficiary/exporter to deliver either of insurance policy, insurance certificate or open policy for negotiation. 10. To cover a special additional risk only costs a slightly higher premium. 11. FPA covers all total losses incurred by natural

27、calamities and/or accidents, and partial losses by natural calamities.12. We want to know your lowest rates FPA.13. The premium of the cargo is at the rate of 1.5% of the goods value you declare to insure.14. In the absence of specific instructions from our clients we usually cover insurance against

28、 WPA and War Risk.LOGOPart Threehttp:/Typical Sentences (3)15. The shipment has been insured as per warehouse-to-warehouse clause and subject to the Ocean Marine Cargo Clauses.16. Insurance provides a pool or fund into which many contribute their money and from which the few suffering losses are com

29、pensated. 17. These leather shoes need to be insured against the Fresh Water &/or Rain Damage (FWRD) and the risk of Intermixture & Contamination in addition to WPA. 18. The policy holder must submit the claim within 30 days after the losses of the insured cargo are found.19. The insurance c

30、ompany insures this risk with a 5% franchise. 20. We regret our inability to comply with the buyers request for covering insurance for 150% of the invoice value, because our contract stipulated that insurance should be covered for 110% of the invoice value.LOGOPart Fourhttp:/ Sample 1 Buyers Insuran

31、ceDear Sirs, Re. Order No.426With regard to1 our order of 1 000 leather jackets we have issued an irrevocable L/C at sight which takes your company as the beneficiary. You will be advised by Guangzhou Branch of the Bank of China very soon. So you can prepare for production and shipment without any c

32、oncern2.There is another issue we want to request here. As we know, the price that has been stipulated in both of the S/C3 and L/C is based on CFR term and hence insurance lies within our responsibilities4. For the sake of convenience we wonder whether you could have the goods insured, on behalf of

33、us5, against WPA and TPND6 for 110% of the invoice value at your end. The premium charge is, of course, for our account7. Hope this request will meet with your approval.Yours faithfully,LOGOPart Fourhttp:/Dear Sirs, Re. Order No.426This is to acknowledge the receipt of your letter informing the open

34、ing of the L/C and requesting us to cover insurance for the captioned goods1 on your behalf.We are willing to accept your request. Before completing the shipment we will insure the consignment with the local branch of the PICC as per the risks coverage and insured value you mentioned. Then we will s

35、end you the insurance policy together with a debit note2 for the premium fee.We hope we could serve your company to your satisfaction.Yours faithfully,Reply to the Letter of Sample 1Sample 2 LOGOPart Fourhttp:/Dear Sirs,We are a Guangzhou-based1 import & export company and going to ship 10 conta

36、iners of household electrical appliances to Rome next week. We want to insure the goods with you, who we know has a prestigious2 position in the insurance industry, if the rate is within our expectation. Would you please quote us your most favorable premium rate3 of the said goods for the insured va

37、lue of US$150 000 against All Risks plus War Risk? The insurance is from our warehouse to the port of Rome.We are awaiting your information.Yours faithfully,Sample 3 The Insured Asking for Quotation from the InsurerLOGOPart Fourhttp:/Dear Sirs,We acknowledge the receipt of your letter inquiring abou

38、t the rate of your household appliances exported to Rome.The premium for the above-mentioned goods is at the rate of 0.8% of the insured value declared against All Risks plus 0.4% against War Risk1. You will find it most favorable among the market-leading2 insurers.If the rate is acceptable to you,

39、please let us know at your earliest convenience so that we could prepare and send the policy to you in due course.Yours faithfully,Sample 4Reply to the Letter of Sample 3LOGONoteshttp:/返回Sample 1 (1)1. “with regard to”指 “关于” 表达该意思的词或短语很多,常用的有:regarding, referring to, as to, about, with reference to,

40、 in regard to等2. “without any concern”意为“不用担心” 之所以这样讲,是因为信用证已开,有了银行的付款保 证,只要出口人在有效期内交齐信用证要求的单证,并确保所交单证填写无误,就一定能收到 货款 若信用证没开,就没有第三方(银行)的信用保证,出口方则存在收款风险3. “S/C”即“sales confirmation”(销售确认书)的英文简称, 也有人认为是“sales contract”(销售合 同)的简称 其实两者并无本质差别,都是买卖双方签订的书面销售协议,若其中对双方的某些 商务行为都作了法律后果的界定的话,就都可以作为日后用于循法律途径解决争议和

41、纠纷的 依据之一4. “insurance lies within our responsibilities”这是外贸函电的较正式的说法,也可以说“We (The buyer) should have the goods insured.”5. “on behalf of us”是整个句子的状语,可以放在句末,但在这里把它像插入语般地放在这个位 置是行文的自然节奏,说话人讲到这里时想强调这一点,他就先讲了 英语母语人士在讲话或 撰文时往往如此表现6. “WPA and TPND”指“水渍险和偷窃及提货不着险” “WPA”全称“With Particular Average”,是 三种基本险之一

42、,比另一种基本险平安险多保了由自然灾害造成的单独海损 “TPND”全 称“Theft, Pilferage and Non-Delivery”,是一般附加险中的一种LOGONoteshttp:/返回Sample 1 (2)7. “for sbs account”即“paid by sb.” e.g. According to the prevailing practice, the extra premium of the additional insured value and insured coverage should be for the buyers account. 按照目前的惯

43、例,对额外的保险金额及保险险种所收的保险费应由买方支付Sample 21. “captioned goods”指 “标题中提到的货”,即426号订单项下的货2. debit note 借记账单,还款通知Sample 31. Guangzhou-based 总部设在广州的2. prestigious a. 有声望的3. premium rate 保险费率Sample 41. 此句可译为:“上述商品按保险金额的0.8%投保一切险,加上按保险金额的0.4%投保战争险, 并据此计算保费 ”2. market-leading a. 在市场上占主导地位的LOGOPart Fivehttp:/1. Put

44、the following English into Chinese. (1)Beginning Training保险人/保险公司(1) the insurer(2) the insured被保险人 (3) the insured value保险金额(4) the premium保险费 LOGOPart Fivehttp:/1. Put the following English into Chinese. (2)(5) insurance policy(6) to insure. against. for.(7) favorable rate(8) Free from Particular

45、Average (FPA) (9) With Particular Average (WA/WPA)保险单 就货物以保险金额投保险优惠的保险费率 平安险 水渍险 LOGOPart Fivehttp:/1. Put the following English into Chinese. (3)(10) All Risks (AR)(11) the Peoples Insurance Company of China (PICC)(12) Theft, Pilferage and Non-Delivery (TPND) 一切险中国人民保险公司偷窃及提货不着险 (13) Please insure

46、the following goods against All Risks plus War Risk.请为以下货物投保一切险加战争险。 (14) The additional premium is for the buyers account.额外的保费由买方出。 LOGOPart Fivehttp:/1. Put the following English into Chinese. (4)(15) Enclosed please find the bill of lading and insurance policy.(16) Insurance should be arranged b

47、y the seller in the CIF trade term. (17) The insurance must be covered for the amount of the invoice value plus 15%. 请查收随信附上的提单和保险单。在CIF贸易条款下保险事宜由卖方安排。 以发票金额再加15%的保险金额投保。 (18) Please kindly quote us your rate for the insurance cover. 请为我方拟投保的这一险种报价。LOGOPart Fivehttp:/1. Put the following English int

48、o Chinese. (5)(19) We request you to extend the insurance coverage to include Risk of Breakage. (20) Should the loss or damage be incurred, you might, within 60 days after the arrival of the shipment, lodge a claim with the insurer. 我们请贵方扩大保险范围，增保破碎险。如果发生了货物损失或损坏的话，你们可在货物抵港后的60天内向保险公司提出索赔。 LOGOPart

49、Fivehttp:/2. Read the following letters and choose the best one from the given answers for the missing prepositions.with; at; against; by; for; of; from; to; withinLetter 1Dear Sirs,We wish to insure the following leather shoes (1) the PICC (2) WPA including TPND and FWRD (3) the amount of US$3 000.

50、These goods are now lying (4) Deck No.3 Huangpu Port of Guangzhou waiting to be shipped (5) S.S. “Morning Star” due to sail for Antwerp tomorrow morning.Could you cover the insurance for the above goods, on our behalf, with Guangzhou Branch of the PICC immediatelyYours faithfullyat_with_against_by_f

51、or_LOGOPart Fivehttp:/Letter 2Dear Sirs,This is to acknowledge the receipt (1) your letter asking us to cover the leather shoes (2) Guangzhou (3) Antwerp on behalf of you.We have gone through all the insurance procedures with the PICC Guangzhou Branch. The premium is (4) the rate of 0.8% of the decl

52、ared value against the risks you demanded. The insurer is preparing the policy and will send to you (5) one day or two. And they have confirmed that the consignment is held covered as from today.Yours faithfully,with; at; against; by; for; of; from; to; withinat_from_of_within_to_LOGOPart Fivehttp:/

53、Intermediate Training1. Put the following Chinese into English. (1)(1) 保险公司(2) 被保险人 (3) 投保 (4) 保险金额 the insurerthe insuredcover/effect/arrange/take out/attend to/provide/handle insuranceinsurance value/amountLOGOPart Fivehttp:/1. Put the following Chinese into English. (2)(5) 保险费 (6) 平安险 (7) 水渍险 (8)

54、 一切险 insurance premium FPA WPA/WAAR (9) 一般附加险General Additional RisksLOGOPart Fivehttp:/1. Put the following Chinese into English. (3)(10) 特殊附加险(11) 偷窃 提货不着险 (12) 按发票金额的%为货物投保险 TPND insure against for% of the invoice valueSpecial Additional Risks(13) 碰损 破碎险是一种一般附加险The Risk of Clash and Breakage is a

55、 kind of General Additional Risk.LOGOPart Fivehttp:/1. Put the following Chinese into English. (4)(14) 水渍险不仅包括平安险的各种责任,还负责赔偿由自然灾害引起的部分货 物损失(15) 一切险的责任范围包括平安险 水渍险以及另外11种一般附加险 The responsibilities of WPA not only include all responsibilities of FPA but also cover the partial losses or damage of goods

56、caused by natural calamities. The coverage of All Risks includes the total coverage of FPA, WPA and another eleven general additional risks. (16) 给货物投保时须在平安险 水渍险及一切险这三种基本险中选择一种When you have the goods insured, you must choose one of the following three basic insurance coverages, FPA, WPA or AR.LOGOPa

57、rt Fivehttp:/1. Put the following Chinese into English. (5)(17) 一般附加险和特殊附加险不能单独投保,只能在选择好基本险后追加 (18) 我方按惯例将以发票金额的110%为这批出口丝绸衬衣投保一切险和战 争险 General additional risks and special additional risks must be insured against only after a basic insurance coverage is chosen. They are not allowed to be insured ag

58、ainst solely. As per the traditional practice we shall insure the shipment of exported silk shirts against All Risks and War Risk for 110% of the invoice value. LOGOPart Fivehttp:/1. Put the following Chinese into English. (6)(19) 在CIF条件下我们通常以发票金额的110%为买方投保水渍险,假设买方想 增加保险金额或扩大保险范围,则超出部分的保险费由其本人承担(20)

59、 随函附上保险单,以便贵方在收货时万一发现货物损坏的话可及时向保险 公司驻目的港的分支机构提出索赔Under CIF term we usually insure for the buyer againt WPA for 110% of the invoice value. If the buyer wants to raise the insured value or extend the insurance coverage, the additional premium will be for his own account. We have enclosed the insurance

60、 policy so that you can lodge a claim with the insurers branch office at the destination port in due course should any damage or loss be found when you receive the goods. LOGOPart Fivehttp:/2. Supply the missing words in the blanks of the following letter. The first letters are given.Dear Sirs,Thank you for your letter of August 20, i