《外贸英语函电》模块九 保险

外贸英语函电EnglishCorrespondenceforInternationalTradeModule9

Insurance模块9保险LearningObjectives02Masterthekeylanguagepoints,basictermsandimportantexpressionswidelyusedinwritingemailsconcerninginsurance;03Developcommunicativeskillsinarranginginsurance,requestingforspecialrequirement.01Understandrisks,lossesandexpensesinvolvedininternationalmarinetransportandthecoverageofICCandCICclauses;Task1IntroductiontoInsurancecoverageTask2IntroductiontoInsuranceClausesTask3PracticalSkillsTask4DiscussiononInsuranceProblemsTask5CorePhrasesandSentencePatterns目录01IntroductiontoInsuranceCoverageLearningTask1Section1DefinitionSection2Coverage目录DefinitionInsuranceisanessentialprocedureininternationaltrade.Theinsuredcanobtaintheguaranteefromtheinsurancecompanytogetcompensationofthecargodamagedorlostintransitatarelativelysmallcost,namelytheinsurancepremium.SeatransportationAirtransportationRoadtransportationParcelPosttransportationBACKTheInsurer（保险人）:InsurancecompanyTheInsured/TheAssured（被保险人）TheBeneficiary（受益人）:ThepartywhowillgetthecompensationwhenanylossoccursPremium（保险费）PremiumRate（保险费率）InsurancePolicy（保险单）InsuredAmount（保险金额）ValuePlus…%（投保加成率）BACKCoverageCoverageRiskPerilsoftheseaNaturalcalamitiesFortuitousaccidentExtraneousrisksGeneralextraneousrisksSpecialextraneousrisksAverageTotallossActualtotallossConstructivetotallossPartiallossGeneralAverageParticularaverageChargeSueandlaborexpenses（施救费用）SalvageCharges（救助费用）BACKPerilsoftheseaNaturalCalamities（自然灾害）：suchasvileweather,thunder,lightning,tidalwave,earthquake,etc.classifiedunderforcemajeure.HeavyweatherLightningEarthquakeVolcaniceruptionTsunamiBACKPerilsoftheseaFortuitousAccidents（意外事故）：suchasshipstranding,strikingupontherocks,sinking,fire,explosion,etc.FireExplosionCollisionStrikingupontherocksStrandingSinkingBACKExtraneousRisksExtraneousRisks（外来风险）：theserisksarecausedbytheft,rain,shortage,leakage,dampness,war,strikes,etc.SpecialextraneousrisksGeneralextraneousrisksBACKTotallossReferstothetotallossorthedamageoftheinsuredgoodssothattheybecomeentirelyvalueless.1Theactualtotalloss（实际全损）Theactualtotallossoftheinsuredgoodsisunavoidable,orthecostofsalvageorrecoveryandcontinualtransportofthedamagedgoodswouldexceedthevalueofthegoodsinsoundconditionattheportofdestination.2Constructivetotalloss（推定全损）BACKPartiallossReferstoapartiallossintentionallybutreasonablyincurredduringtheperilinordertoprotecttheshipandthecargosonboardfromlossordamageandtocontinuevoyagesafely.Thelossistobebornebyallconcernedinproportion.1Generalaverage（共同海损）Referstoapartiallossordamagetoaparticulargoodswhichistobebornebytheownerofthecargoonly.2Particularaverage（单独海损）BACKCoverageCoverageRiskPerilsoftheseaNaturalcalamitiesFortuitousaccidentExtraneousrisksGeneralextraneousrisksSpecialextraneousrisksAverageTotallossActualtotallossConstructivetotallossPartiallossGeneralAverageParticularaverageChargeSueandlaborexpenses（施救费用）SalvageCharges（救助费用）BACK02IntroductiontoInsuranceClausesLearningTask2Lead-inInyourclient’sletter,heaskedyoutoinsurethegoodsagainstAllRisksandTPND,doyouagreewithhisdecision?Why?Section1MarineCargoInsuranceClauses--C.I.C.Section2MarineCargoInsuranceClauses--I.C.C.Section3Insuranceforothermodesoftransport目录MarineCargoInsuranceClausesChinaInsuranceClauses(CIC)--ThePeople’sInsuranceofChina(PICC)BasicInsuranceClausesFreeofParticularAverage(F.P.A.)平安险，即单独海损不赔WithParticularAverage(W.A./W.P.A.)水渍险，即单独海险亦赔AllRisks一切险AdditionalRisksClausesGeneralAdditionalRisks一般附加险SpecialAdditionalRisks特殊附加险BACKMarineCargoInsuranceClausesBasicInsuranceClauses:F.P.A.Onlytotalorconstructivetotallossofthewholeconsignmentbutnopartiallossordamageisrecoverablefromtheinsurerresultingfromnaturalcalamities.Andtotallossorpartiallossisrecoverablefromtheinsurerincurredasaresultoffortuitousaccident,e.g.,collision,stranding,sinkingofthevessel.MarineCargoInsuranceClausesBasicInsuranceClauses:W.P.A.WA/WPAprovideslargercoverthanFPAsincepartiallossanddamageisrecoverablefromtheinsurerresultingfromnaturalcalamities.W.P.A.FPAMarineCargoInsuranceClausesBasicInsuranceClauses:AllRisksAsidefromtheriskscoveredunderWA/WPAtype,italsoprovidesinsuranceagainstallrisksoflossordamageoftheinsuredcargoarisingfromexternalcausesinthecourseoftransit.AllRisksdoesnotcoverrisksofwar,strikeandotherspecialadditionalriskssuchasfailuretodelivery,importduty,ondeck,rejection,aflatoxin,

etc.W.P.A.FPAAllRisksMarineCargoInsuranceClausesAdditionalRisksClauses:GeneralAdditionalRisks（1）Theft,pilferageandnon-deliveryrisk(T.P.N.D.)（2）Freshwaterandraindamagerisk(F.W.R.D)（3）Clashandbreakagerisk（4）Leakagerisk（5）Shortagerisk（6）Intermixtureandcontaminationrisk（7）Taintofodourrisk（8）Sweatandheatingrisk（9）Rustrisk（10）Breakageofpackingrisk（11）Hookdamagerisk偷窃提货不着险淡水雨淋险破损、破碎险渗漏险短量险混杂、沾污险串味险受热受潮险锈损险包装破裂险钩损险MarineCargoInsuranceClausesAdditionalRisksClauses:SpecialAdditionalRisksWarriskStrikesriskFailuretodeliveryImportdutyriskOndeckriskRejectionriskAflatoxinrisk战争险罢工险交货不到险进口关税险舱面险拒收险黄曲霉素险BACKMarineCargoInsuranceClausesInstituteCargoClauses,ICCICC(A)AllRisksICC(B)W.P.A.ICC(C)F.P.ABasicInsuranceClauses:AdditionalRisksClauses:InstitutewarclausesMaliciousdamageclausesInstitutestrikeclausesBACKSummaryMarineCargoInsuranceClausesTotallossPartiallossOtherloss实全推全共海单海一般损失特殊损失BasicRisksF.P.A.√√√W.P.A.√√√√AllRisks√√√√√AdditionalRisksGeneralAdditionalRisks√SpecialAdditionalRisks√BACKInsuranceforothermodesoftransportAirtransportationRoadtransportationParcelPosttransportationAirtransportationrisksAirtransportationallrisksOverlandtransportationrisksOverlandtransportationallrisksParcelposttransportationrisksParcelposttransportationallrisksLead-inInyourclient’sletter,heaskedyoutoinsurethegoodsagainstAllRisksandTPND,doyouagreewithhisdecision?Why?AllRisksisonekindofbasicriskcoverage,whileTPNDisonekindofgeneraladditionalrisks.AllRisksincludeTPND.Therefore,ifyouinsureagainstAllRisks,thereisnoneedtoinsureagainstTPND.03PracticalSkillsLearningTask3Lead-inUnderFOB,whenyouarethebuyer,isitnecessarytowritetothesellertodiscusstheinsurance?Section1TradeTermsandInsuranceSection2InsurancePremium,ValuePlus…%目录TradeTermsandInsuranceTrade

Terms

in

Common

Use:FOB,FCACFR,CPTCIF,CIPWhoisresponsibleforinsurance?Importer/BuyerImporter/BuyerExporter/SellerTradeTermsandInsuranceTrade

Terms

in

Common

Use:FOB,FCACFR,CPTCIF,CIPCut-offpointofrisksbetweensellerandbuyerFOB,FCACFR,CPTCIF,CIPOnboardthevessel,delivertocarrierOnboardthevessel,delivertocarrierOnboardthevessel,delivertocarrierImporterinsuresfortheirownbenefitImporterinsuresfortheirownbenefitExporterinsuresfortheimporter’sbenefitTradeTermsandInsuranceUnderCFR/CPT,“ShippingAdvice”isespeciallyimportantfortimelyinsurance!!!Exporter/SellerResponsibleforcarriageImporter/BuyerResponsibleforinsuranceshippingadvice(nameoftheship,departuretime,etc.)✖Exporter/SellerImporter/BuyerInsuranceCompanytimelyinsurance✖

TradeTermsandInsuranceATTENTIONPLEASE123EspeciallyunderCIF/CIPterm,importerandexporterneedtowritetodiscusstheinsuranceproblem.Generallyspeaking,Whobearstheinsuranceliabilitywillbeartheinsurancecost.UnderFOBorCFR,attherequestofthebuyer,iftheselleragrees,theinsurancecanalsobearrangedbytheseller,andthecostisusuallybornebythebuyer.BACKInsurancePremium,ValuePlus…%InsuranceclausesPremiumrateValueplus…%InsuranceamountQuotedpriceATTENTIONPLEASE12Accordingtotheagreementbetweenimporterandexporter.Ifthereisnoagreement,generally,insureagainstthelowestlevelofinsurancecoverage(F.P.A)atinvoicevalueplus10%.BACKLead-inUnderFOB,whenyouarethebuyer,isitnecessarytowritetothesellertodiscusstheinsurance?Generallyspeaking,underFOB,insuranceisarrangedbythebuyerhimself,soitisunnecessarytodiscusswiththeseller.Ifthebuyerwantsthesellertohandleitonhisbehalf,heneedstowritetoaskthesellertoarrangetheinsurance.DiscussiononInsuranceProblemsLearningTask404Section1Guidelines目录Section2WorkSamplesandAnalysisBACKGuidelines：WritingStructureConfirmtheordernumberofthegoodstobeinsuredExplainclearlyhowtheinsurancewillbearrangedShowgratitudeforunderstandingandcooperationExpresshopeforapromptreplyConfirmreceiptoftherequestReplywhethersucharequestcanbemetornot;ifyes,notifythesenderofwhathasbeendoneupontherequest;ifnot,giveareasonExpresswillingnessforfurthercooperationDealingwithrequestconcerninginsurancearrangementRequestingorconfirminginsurancearrangementReplytoinsurancearrangementSubject:Re:InsuranceforElectronicToys

DearMr.Picker,InreplytoyouremailconsultingusabouttheinsurancefortheOrderNo.ET-210322.Asusual,WeinsuredthegoodssoldonCIFbasiswithourunderwriter,thePeople’sInsuranceCompanyofChina(PICC),for110%ofthetotalinvoicevalueagainstAllRisks.Ifahigherpercentageofbroadercoverageisrequired,theextrapremiumwillbeforthebuyer’saccount.PICCisoneoftheleadinginsurersintheworldandisknownforsettlingclaimspromptlyandequitably.Theratestheyquotearealsoquitecompetitive.Pleasechecktheattachmentforinformationabouttheircoverageandrates.Wearelookingforwardtoyourfavorablereply.Bestregards,AliceChenRefertotherelativeorderNo.underwriter保险人、保险商ExplainclearlyhowtoarrangeinsuranceextrapremiumExpressyourexpectationInreplyinsuredagainstcoverage额外保险费承保范围insurersSample1Sample2SpecialinsurancearrangementSample3ReplytoexcessiveinsuranceSample4

Contractperformance:Askthebuyertodulycoverinsuranceto保险条款Insureagainst+险别Insure+货物+against+险别保险费用保险公司swSpecialinsurancearrangementSample2ReplytoinsurancearrangementSample1Sample3ReplytoexcessiveinsuranceSample4

Contractperformance:AskthebuyertodulycoverinsuranceSubject:Insuranceforelectricbikes(OrderNo.210328)DearMr.Wang,WewouldliketoreferyoutoourOrderNo.210328for100setsofelectricbikes,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohavetheshipmentinsuredatyourend,weshallbepleasedifyouwillarrangetoinsurethegoodsonourbehalfagainstAllRisksfor110%ofthefullinvoicevalue,thatis,USD100,000.00.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightfortheamountrequired.Wesincerelyhopethatourrequestwillmeetwithyourapproval.Bestregards,LisaRefertotherelativeorderNo.退款haveCFRAsktheotherpartytoinsureinsuredrefunddebitnotedrawonusatsight向我方开出即期汇票Expressyourexpectation收款单（creditnote：付款单）投保要求保险费用Subject:Computer

OrderNo.77863DearMadam,Weregrettoinformyouthatweareunabletoinsurethe1000computersyouorderedfor130%oftheinvoicevalue.Becauseourusualpracticeistoinsurefor110%oftheinvoicevalue.Inaddition,thecontractstipulatesthattheinsuranceshallbecoveredbythesellerwiththepeople'sInsuranceCompanyofChinaagainstallrisksandwarrisksplus10%oftheinvoicevalue.Ifyouinsistonyouropinion,wecanhandleit,buttheextrapremiumwillbebornebyyou.Lookforwardtoyourearlyreply.Bestregards,Albert惯例regrethandleRefertotherelativeproductStatethepurposeReasonsusualpracticestipulates规定borneExpressyourexpectationSuggestionSample3ReplytoexcessiveinsuranceReplytoinsurancearrangementSample1Sample2SpecialinsurancearrangementSample4

Contractperformance:AskthebuyertodulycoverinsuranceWetoinformyouthat拒绝原因建议Rejectionplus加成bearSubject:Computer

OrderNo.77863DearMadam,WearepleasedtoinformyouthatwehavebookedshippingspaceforyourOrderNo.77863of1000computersonS.S.“Fengchi”,whichsailsforyourportonMarch6th.Wetrustyouwilldulyinsurethegoodsatyourend.Bestregards,Albert准时地dulyFOB&CFRShippingAdviceSample4Contractperformance：AskthebuyertodulycoverinsuranceReplytoinsurancearrangementSample1Sample2SpecialinsurancearrangementSample3Replytoexcessiveinsurance05CorePhrasesandSentencePatternsLearningTask5Section1insurance/insureSection2onone’sbehalfSection3forone’saccount目录CorePhrasesandSentencesn.secure/arrange/cover/effectinsuranceon…（commodity）insurance表示“投保…(险)”：insure/cover…(risks)表示“为…投保…险别”：insure/cover…(commodity)against…(risks)表示“向…保险公司为......(货物)投保…险别”：insure...(products)against...(risks)with…(insurancecompany)insure

v.如：insureAllRisks如：coverthegoodsagainstF.P.A如：insurethegoodsagainstW.P.AwithPICC.BACKCorePhrasesandSentences表示所保的货物，后接on表示投保的险别，后接against表示保额，后接for表示保险费或保险费率，后接at表示向哪家保险公司投保，后接withinsurance/insure后接介词的用法：如：insuranceonthe100casesoftoys如：insuranceagainstAllRisks如：insurancefor110%oftheinvoicevalue如：insuranceattherateof5%,insuranceataslightlyhigherpremium如：insurancewiththePICCBACKCorePhrasesandSentencesWehavecoveredthegoodswiththePeople’sInsuranceCompanyofChinaagainstAllRisk.我们已与中国人民保险公司将货物投一切险。Theshipmentistobecoveredagainstallrisksbysellerfor110%oftheinvoicevalue.此批货物应由卖方按发票金额的110%投保。Wehavearrangedinsuranceonthe500piecesofwoolenblanketsfor130%oftheinvoicevalueagainstAllRiskswiththePICC.我们已与中国人民保险公司将500件毛毯按发票金额的130%投保一切险。BACKCorePhrasesandSentences表示“代表某人投保”：onone’sbehalf/onbehalfofsb.Ifyouwouldlikeustoinsurethegoodsonyourbehalfinourarea,pleaseletusknow.若想要我方代替你方为货物投保，请告知。onone’sbehalfatour/your

endBACK表示“保险费记在...的账上，由...来负担”：Wearepleasedtoarrangeinsuranceonthecaptionedshipmentforyouraccount.我方非常高兴为指定货物投保，费用由你方承担。foryourreference/information供你方参考foryourrecord/file供你方记录/存档CorePhrasesandSentencesforone’saccountWe

have

duly

counter-signed

the

contract

and

are

returning

one

copy

for

your

file.Theattachmentisourlatestcatalogue

foryourreference.youneedtobeartheinsurancepremiumBACKModuleAssessment一、专业词汇配对1.额外保费

A.Forone'saccount2.保险单B.Extrapremium3.费用由某人承担C.Additionalrisks4.一切险D.Insurancecoverage5.附加险E.Insurancepolicy6.承保范围F.AllRisks二、单选题1.Inthemarinecargoinsurancepractice,generalaverageis（）.A.akindofpartiallossB.akindoftotallossC.partiallossortotallossdecidedbythetimeD.constructivetotalloss2.Ifthereisn’tanyspecialtermsandconditionsaboutinsurance,thenaccordingtoINCOTERMS2010,thesellercouldinsurethegoodsagainst（）.A.FPAB.WPAC.AllRiskD.TPND3.Theinsurancepolicyorcertificatewillbeissuedbytheinsurancecompanyaftertheinsuredpays（）.A.freightB.premiumC.taxD.bill4.Accordingtothepracticeoftheinternationalinsurancemarket,cargoesaregenerallyinsuredfor（）ofCIFvalue.A.110%B.120%C.130%D.140%5.BasiccoverageofmarinecargoinsuranceunderCICincludesthefollowingexceptfor（）.A.FPAB.WarR