第11章保险(Insurance)课件

第11章保险(Insurance)保险是商务活动中经常要涉及的一项业务，对投保的一方利益有一定的保护作用，也使得投保人能尽可能减少经营活动中遭受意外的损失。保险涉及的事务及相关知识较多，也较为繁杂。但主要包括以下程序和内容：①申请保险（Applyingforinsurance）；②答复保险要求（Replytoarequestforinsurance）；1③要求附加保险（Askingforadditionalinsurance）；④对额外保险的答复（Replytoarequestforexcessiveinsurance）；⑤海运保险单（Marineinsurance）；⑥保险单的定义（Definitionofinsurancepolicy）；⑦保险单据的主要内容（MaincontentsofInsurancedocuments）；⑧信用证规定的保险单

211.1ApplyingforInsuranceJanuary2，2006

DearSirs，KnowingthatyourcompanyisthelargestcompanyinChinawithbranchesandsubbranchesthroughoutthecountryandwithclaimssettlingagentsinmajorportsoftheworld，ChinaArts&CraftsImport&ExportCorp.wishestoinsurewithyourcompanyashipmentofChineseporcelainvalued﹩

780，000onboardthevessel“TongSoon”againstAllRisks，boundfromShanghaitoLondonsailingon20thofMarch.Weshallappreciateitifthegoodscouldbeinsuredatfavorablerate.Yourstruly，(signature)311.2ReplyingtoaRequestforInsuranceJanuary2，2006

DearSirs，Wehaveforacknowledgmentyourletterof20thinstantandarepleasedtonoteyourreadinesstoinsurewithusashipmentofChineseporcelainfromShanghaitoLondonbysea.TheprevailingratefortheproposedshipmentagainstAllRisksincludingWarRisksis0.5%，subjecttoourownOceanMarineCargoClausesandOceanMarineWarRisksClauses.Copiesthereofareenclosedherewithforyourreference.Ifyoufindourrateacceptable，pleaseletusknow，preferably，bycable，thedetailsofyourshipmentsothatwemayissueourpolicyaccordingly.Yoursfaithfully，(signature)411.3AskingforAdditionalInsuranceJanuary2，2006

DearSirs，ThankyouverymuchforthepreferentialratethatyourcompanyhasgivenusforWithParticularAverageInsurance.Becausetheportwhereourshipmentwillarriveisinrainyseason，anditmaydestroytheshipment，theshipmentmaybewettedbyrain.Therefore，wewanttoaskforadditionalinsurancewhichisFreshorRainWaterDamageRisk.Weshallappreciateitiftheshipmentcouldbeinsuredatfavorablerateintheadditionalinsurance.Yoursfaithfully，(signature)511.4ReplyingtoaRequestforExcessiveInsurance

February2，2006

DearSirs，WeareinreceiptofyourletterofJanuary18thaskingforanextensionofabovepolicyforaperiodof30daystocovertheriskoffirewhilstthegoodsarelyingintheCustomer’swarehouseinHamburg.Incompliancewithyourrequest，wehaveissuedourEndorsementNo.ME/PAM/0021givingeffecttotheextensionandisenclosingthesameherewithtogetherwithdebitof﹩

100.Wetrustyouwillfindtheminorder.Yourearlyremittanceinsettlementoftheaboveadditionalpremiumwillbeappreciated.Yoursfaithfully，(signature)611.5MarineInsurancePolicyThemarineinsurancepolicyorcertificateformspartoftheshippingdocuments.Inanexporttransaction，thetermsofthecontractofsaleprovidenormallywhetherthecostsofmarineinsuranceshallbebornebythesellerorbythebuyer.IfthegoodsaresoldonF.O.B.terms,thesecostshavetobepaidbythebuyerandthatiseventrueiftheF.O.B.seller，byrequestofthebuyer，hastakenoutthepolicyonbehalfofthebuyer.IfthegoodsaresoldonC.I.F.terms,itisthedutyofthesellertotakeoutthepolicyandpaythecostsofinsurance.WhenthegoodsaresoldonC.I.F.basis，thesellerisunderobligationtopresentamarineinsurancepolicyoraninsurancecertificateatthetimeofnegotiation.Andtheriskscoveredunderthepolicyshouldbestrictlyinaccordancewiththetermsofthecontract，orwiththoseoftheletterofcredit，iftheshipmentismadeunderit.711.6DefinitionofInsurancePolicyInsurancepolicyisadocumentissuedbytheinsurersettingouttheexacttermsandconditionsofaninsurancetransaction—thenameoftheinsured，thenameofcommodityinsured，theamountinsured，thenameofthecarryingvessel，theriskscovered，theperiodofcoveringandanyexceptionstheremaybe.Itisalsoawrittencontractofinsurancebetweentheinsurancecompanyandtheinsured.Insurancecertificateisasimplifiedinsurancepolicy.Ithasthenecessaryitemsofaninsurancepolicy，butitdoesntsetouttherightsanddutiesoftheinsurerandtheinsured，whicharestillsubjecttothedetailedclausesofaformalinsurancepolicy.Aninsurancecertificatehasthesameeffectasaninsurancepolicy.811.7MainContentsofInsuranceDocuments①Theinsured.UnderC.I.F.terms，theinsuredisgenerallythebeneficiaryofthecreditunlessotherwisespecified，whileunderC.F.R.andF.O.B.terms，theinsuredisusuallytheimporter.②Cargodescription，includingname，quantity，weight，andshippingmarks,etc.③Theamountinsuredandtheriskscovered.Itshouldbenotedthatthecurrencyoftheamountinsuredshouldbethesameasthatofthecredit.④Contentsconcerningtransportation，includingthecarryingvessel，theportofshipmenttheportofdestination，andthesailingdate,etc.9⑤Theplacewhereclaimsaretobesettled.Unlessotherwisespecifiedinthecredit，theportofdestinationistakenastheplaceforsettlingclaims.⑥Thedateonwhichthedocumentisissued.Itcanbemadeearlierbutbynomeanslaterthanthedateofthebilloflading.1011.8InsurancePolicyStipulatedinaL/C

TherequiredinsurancepolicyorcertificateisstipulatedinaL/Cinthefollowingways：Insurancepolicy(orcertificate)coveringW.P.A.andWarRisksfor110%oftheinvoicevalue.Marineinsurancepoliciesorcertificates，fornolessthan10%overinvoicevalue，blankendorsed，coveringAllRisksasperC.I.C.，claimspayableat...(thenameofthedestination).Insurancepoliciesorcertificatesissuedbyinsurancecompanies，for10%aboveinvoiceamount，fullycoveringthemerchandisefrompointoforigintowarehouseatdestinationagainsttherisksofMarinePerils，Fire，WarandC.I.C.CargoClauses11(AllRisks)irrespectiveofpercentage，withclaimspayableat...(thenameofthedestination).Theinsuranceistobeeffectedbytheshipper/(coveredbythebuyer).Insurancepolicies(orcertificates)induplicate，coveringMarineandWarRisksforfullC.I.F.invoicevalueplus10%.Insurancepolicies(orcertificates)inassignableformandendorsedinblank，covering...Risksatfullinvoicevalueplus10%andshowingclaimspayable...(thenameofthedestination).12NewWordsporcelainn.瓷器insurancepolicy保险单averagen.海损particularaverage单独海损remittancen.汇款settlementn.结算descriptionn.说明irrespectivea.不考虑的，不顾的thereofa.它的，其herewithadv.与此一道13certificaten.证明，证书，凭证claimn.索赔premiumn.保险费，津贴14NotestotheText1.timelimitforfilingclaims索赔时限2.noticeofloss损害通知书3.renewv.续保4.nullandvoid宣告无效5.depositpremium预付保险费6.obligationofcompensationforloss赔偿损失的义务7.reinsurancen.再保险8.naturallosses自然损耗9.naturalcalamities自然灾害15TradeTalks(P=Paul;H=Huahua)P:Whatkindofinsurancepolicywouldyoulike?I’msurewecanhelpyouinanywayyouneed.H:We’llhaveashipmentfromtheUnitedStates.Wewanttofindoutyourmarineinsurance.P:Well，sinceyoutoldmethegoodsareveryimportant，IthinkinsuranceagainstAllRiskswouldbebest.16H:IknowAllRisksisthebroadestkindofstandardcoverage.ButIdon’tthinkthereisanychancethatourgoodswillbestolen，forexample，soIthinkwedon’tneedapolicythatissoexpensive..P:MayIsuggestaFreefromParticularAveragepolicy?Thatwillcoveryouiftheshipsinksorburns，orgetsstick.H:That’sbetter，butIthinkweneedtocovermorekindsofthings，likedamagebyseawater.P:HowaboutWithParticularAverage?ItcoversmorerisksthantheFPA.Itcoversyouagai