外贸英语函电Unit 10 Insurance

Unit10Insurance

2021/5/91ContentIntroductionBackgroundinformationCasestudyCase1UsefulphrasesExercises2021/5/92Ⅰ.Thepurposeofinsurance

——toprovidecompensationforthosewhosufferfromlossordamage.Itisacontractofindemnity2021/5/93Ⅱ.Partiesinvolvedininsurancetheinsurer

thepartywhoagreetoaccepttherisktheinsured

thepartyseekingprotectionfromtherisk

thebeneficiary

canbe

sameperson

thepartywhowillgetthecompensationwhenanylossoccur

2021/5/94Insurancepolicy保险单ContractbetweentheinsurerandtheinsuredInsurancepremiumThesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyInsuranceamount2021/5/95BackgroundinformationMarineriskAverageCoverage

2021/5/96风险：risks,perils

totalloss损失：lossesparticularaveragepartialloss(单独海损）

generalaverage

（共同海损）险别：risks,perils,coverages

保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任，所以在保险业务中风险、损失和险别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的理解。2021/5/97海上风险PerilsoftheSea外来风险ExtraneousRisks自然灾害(NaturalCalamity)意外事故(Fortuitousaccidents)一般外来风险GeneralExtraneousRisks特殊外来风险SpecialExtraneousRisks风险Risks2021/5/98损失Losses海上损失其他损失全部损失TotalLoss实际全损ActualTotalLoss推定全损ConstructiveTotalLoss部分损失PartialLoss共同海损GeneralAverage单独海损ParticularAverage一般外来损失特殊外来损失2021/5/99基本险平安险F.P.A(FreeFromParticularAverage)水渍险W.P.A(WithParticularAverage)一切险AllRisks附加险一般附加险偷窃，提货不着险T.P.N.D.(Theft,Pilferage&Non-delivery)淡水雨淋险F.W.R.D.(FreshWater&/orRainDamage)短量险(RiskofShortage)混杂，玷污险(RiskofIntermixtureandContamination)渗漏险(RiskofLeakage)碰损，破碎险(RiskofClashandBreakage)钩损险(HookDamage)受潮受热险(DamageCausedbySweatingandHeating)包装破裂险(BreakageofPacking)串味险(RiskofOdour)锈损险(RiskofRust)特殊附加险战争险(WarRisk)罢工险(StrikesRisk)交货不到险(FailuretoDelivery)进口关税险(ImportDutyRisk)舱面险(OnDeckRisk)拒收险(RejectionRisk)黄曲霉素险(AflatoxinRisk)2021/5/910MarineriskPerilsofthesea(海上风险)naturalcalamities:fortuitousaccidentsExtraneousrisks2021/5/911Perilsoftheseanaturalcalamities:heavyweather,lightening,earthquake,volcaniceruptionandsoon.fortuitousaccidents:fire,explosion,vesselbeingstranded,grounded,sunkorcapsized,collisionorcontactofvesselwithanyexternalobjectotherthanwater2021/5/912HeavyweatherlighteningearthquakeVolcaniceruptionTunami（海啸）NaturalCalamities2021/5/913FortuitousaccidentsfireexplosioncollisionStranded触礁sunkGrounded搁浅2021/5/914ExtraneousrisksGeneralExtraneousRisks:theftandpilferage,contamination,leakage,breakage,sweatingand/orheating,taintofodor,rusting,hookdamage,freshand/orrainwaterdamage,short-deliveryandnon-delivery,shortageinweight,clashingandsoon.SpecialExtraneousRisks:war,strike,failuretodeliverduetosomespeciallawsorregulations.2021/5/915AverageTotalloss:ActualTotalLoss(实际全损)ConstructiveTotalLoss(推定全损)Partialloss:GeneralAverage(共同海损)ParticularAverage(单独海损)2021/5/916Partialloss

1.GeneralaverageItisalossresultingfromavoluntarysacrificeorexpenditureintimeofperil,forthesafetyofhull,cargoandfreight.2021/5/9172.Particularaverage:

Itmeanspartiallossordamageaccidentallycausedtotheshiportoaparticularlotofgoods.Particularaverageisnotatotalloss.Itmustbebornebytheownerofthepropertysufferingtheloss,itisdistinctfromgeneralaverage,whichissharedbyallwhohaveafinancialinterestinthevoyageanditsrisksinproportiontothevalueoftheirinterests.

2021/5/918CoveragebasicrisksFreefromParticularAverage(F.P.A)WithParticularAverageorWithAverage(W.P.AorW.A)AllRisksadditionalrisksgeneraladditionalrisksspecialadditionalrisk2021/5/919BasicrisksFreefromParticularAverage平安险（F.P.A）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WithParticularAverage（WPA）水渍险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2021/5/920AllRisks(AR)一切险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包括共同海损和单独海损责任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，玷污等全部或部分损失也负责赔偿不包括战争险，不合格包装，内在缺点等2021/5/921Additionalrisksgeneraladditionalrisks偷窃提货不着险（Theft,PilferageandNon-delivery缩T.P.N.D），淡水雨淋（FreshWater&/orRainDamage），短量（RiskofShortage）,混杂玷污险（RiskofIntermixtureandContamination）,渗漏险（RiskofLeakage）,碰损破碎险（RiskofClashandBreakage）specialadditionalrisk战争险（WarRisk）,罢工险(StrikesRisk),交货不到险（FailuretoDelivery）,进口关税险(ImportDutyRisk),舱面险(OnDeckRisk),拒收险(RejectionRisk)和黄曲霉素险(Aflatoxin).2021/5/922Case1Whichpartyisthisletterwrittenby?Whatishisrequirement?Why?Whichcompanydoeshechoose?Why?Whatotherinformationisheaskingfor?2021/5/923OnCFRterms按…报价Takeout出具Anopenpolicy预约保险单TheLloydInsuranceCompany劳埃德保险公司Ongoodtermswithsb交往甚好UnderwriterPremiumrebatePICCThePeople,sInsuranceCompanyofChina2021/5/9241.InsurancePolicy(保险单,俗称大保单)2.InsuranceCertificate(保险凭证，俗称小保单）3.OpenPolicy/OpenCover(预约保险单/总保险单)3FormsofMarineInsuranceDocuments.2021/5/9251.保险单InsurancePolicy保险单是保险人已接受保险的正式凭证，俗称“大保单”，也是保险人和被保险人之间订契约的证明。2021/5/9262.预约保单OpenPolicy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。2021/5/9273.保险凭证InsuranceCertificate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。2021/5/928Usefulphrases1.coverinsuranceon…against…eg.Wecoverinsuranceonthegoodsfor110%oftheinvoicevalueagainstAllRisksandWarRisk.Similarphrase：cover,arrangeinsurance,effectinsurance,provide/takeoutinsurance

eg.

Forthiscontract,wewouldlikeyoutoarrangeinsuranceatyourend.2021/5/929表所保的货物，后接OnInsuranceonthe100tonsofwool表投保的险别，+againstInsuranceagainstallrisks保额+forInsurancefor110%oftheinvoicevalue保费率+atInsuranceattherateof…向某保险公司投保+withInsurancewithPICC2021/5/930Insure的用法Vt.Insuresth./ariskVi.Insureagainstarisk2021/5/931Cover的用法Vt.CoverinsuranceCoverariskCoverAllRisksandWarRisksCoversth./sb.againstariskCoverthegoodsagainst AllRisksCoverusagainstBreakage2021/5/932Premiumatapremiumof

eg.Thiskindofadditionalriskiscoverableatapremiumof2%.Thepremiumisforbuyer’saccounteg.Underdifferenttradeterms,theinsurancechargecangoforbuyer’saccountortheseller’saccount.Similarphrase：tobebornebythebuyertobechargedtothebuyer’saccount2021/5/933Vocabularyinsuranceagent保险代理人insurancebroker保