外贸英语函电Unit-10-Insurance

Unit10Insurance第1页ContentIntroduction

BackgroundinformationCasestudyCase1UsefulphrasesExercises

第2页Ⅰ.Thepurposeofinsurance

——toprovidecompensationforthosewhosufferfromlossordamage.Itisacontractofindemnity第3页Ⅱ.Partiesinvolvedininsurancetheinsurer

thepartywhoagreetoaccepttherisktheinsured

thepartyseekingprotectionfromtherisk

thebeneficiary

canbe

sameperson

thepartywhowillgetthecompensationwhenanylossoccur

第4页Insurancepolicy保险单ContractbetweentheinsurerandtheinsuredInsurancepremiumThesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyInsuranceamount第5页BackgroundinformationMarineriskAverage

Coverage

第6页风险：risks,perils

totalloss损失：lossesparticularaveragepartialloss(单独海损）generalaverage（共同海损）险别：risks,perils,coverages

保险企业按照不一样险别包含风险所造成损失和发生费用负担赔偿责任，所以在保险业务中风险、损失和险别三者有着紧密联络，为此，我们对保险企业所能承保风险与损失种类和内容必须有准确了解。第7页海上风险PerilsoftheSea外来风险ExtraneousRisks自然灾害(NaturalCalamity)意外事故(Fortuitousaccidents)普通外来风险GeneralExtraneousRisks特殊外来风险SpecialExtraneousRisks风险Risks第8页损失Losses海上损失其它损失全部损失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普通外来损失特殊外来损失第9页基本险平安险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)第10页MarineriskPerilsofthesea(海上风险)naturalcalamities:fortuitousaccidentsExtraneousrisks第11页Perilsoftheseanaturalcalamities:heavyweather,lightening,earthquake,volcaniceruptionandsoon.fortuitousaccidents:fire,explosion,vesselbeingstranded,grounded,sunkorcapsized,collisionorcontactofvesselwithanyexternalobjectotherthanwater第12页HeavyweatherlighteningearthquakeVolcaniceruptionTunami（海啸）NaturalCalamities第13页FortuitousaccidentsfireexplosioncollisionStranded触礁sunkGrounded搁浅第14页ExtraneousrisksGeneralExtraneousRisks:theftandpilferage,contamination,leakage,breakage,sweatingand/orheating,taintofodor,rusting,hookdamage,freshand/orrainwaterdamage,short-deliveryandnon-delivery,shortageinweight,clashingandsoon.SpecialExtraneousRisks:war,strike,failuretodeliverduetosomespeciallawsorregulations.第15页AverageTotalloss:ActualTotalLoss(实际全损)ConstructiveTotalLoss(推定全损)Partialloss:GeneralAverage(共同海损)ParticularAverage(单独海损)第16页Partialloss

1.GeneralaverageItisalossresultingfromavoluntarysacrificeorexpenditureintimeofperil,forthesafetyofhull,cargoandfreight.第17页2.Particularaverage:

Itmeanspartiallossordamageaccidentallycausedtotheshiportoaparticularlotofgoods.Particularaverageisnotatotalloss.Itmustbebornebytheownerofthepropertysufferingtheloss,itisdistinctfromgeneralaverage,whichissharedbyallwhohaveafinancialinterestinthevoyageanditsrisksinproportiontothevalueoftheirinterests.

第18页CoveragebasicrisksFreefromParticularAverage(F.P.A)WithParticularAverageorWithAverage(W.P.AorW.A)AllRisksadditionalrisksgeneraladditionalrisksspecialadditionalrisk第19页BasicrisksFreefromParticularAverage平安险（F.P.A）范围较窄，只提供实际海损所引发全损及共同海损赔偿。不负担单独海损赔偿WithParticularAverage（WPA）水渍险水渍险对整个保险期间内由海难引发全部损失或损坏提供广泛保险第20页AllRisks(AR)一切险不论是海难还是普通外来险原因所造成被保之物全损或部分损失赔偿责任包含共同海损和单独海损责任外来原因造成短少，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含战争险，不合格包装，内在缺点等第21页Additionalrisksgeneraladditionalrisks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).第22页Case1Whichpartyisthisletterwrittenby?Whatishisrequirement?Why?Whichcompanydoeshechoose?Why?Whatotherinformationisheaskingfor?第23页OnCFRterms按…报价Takeout出具Anopenpolicy预约保险单TheLloydInsuranceCompany劳埃德保险企业Ongoodtermswithsb交往甚好UnderwriterPremiumrebatePICCThePeople,sInsuranceCompanyofChina第24页1.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.第25页1.保险单InsurancePolicy保险单是保险人已接收保险正式凭证，俗称“大保单”，也是保险人和被保险人之间订契约证实。第26页2.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货物所出立保险单。在预约保险单内，载明保险货物范围、险别，保险费率、每批运输货物最高保险金额以及保险费结算办理等。第27页3.保险凭证InsuranceCertificate保险凭证是保险人对货物已接收保险一个证实文件，俗称“小保单”，是简化保险单，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项目，而对保险企业与被保险人权利和义务则不予载明。保险凭证与保险单含有同等效力。第28页Usefulphrases1.coverinsuranceon…against…eg.Wecoverinsuranceonthegoodsfor110%oftheinvoicevalueagainstAllRisksandWarRisk.Similarphrase：cover,arrangeinsurance,effectinsurance,provide/takeoutinsurance

eg.

Forthiscontract,wewouldlikeyoutoarrangeinsuranceatyourend.第29页表所保货物，后接OnInsuranceonthe100tonsofwool表投保险别，+againstInsuranceagainstallrisks保额+forInsurancefor110%oftheinvoicevalue保费率+atInsuranceattherateof…向某保险企业投保+withInsurancewithPICC第30页Insure使用方法Vt.Insuresth./ariskVi.Insureagainstarisk第31页Cover使用方法Vt.CoverinsuranceCoverariskCoverAllRisksandWarRisksCoversth./sb.againstariskCoverthegoodsagainst AllRisksCoverusagainstBreakage第32页Premiumatapremiumof

eg.Thiskindofadditionalriskiscoverableatapremiumof2%.Thepremiumisforbuyer’saccounteg.Underdifferenttradeterms,theinsurancechargecangoforbuyer’saccountortheseller’saccount.Similarphrase：tobebornebythebuyertobechargedtothebuyer’saccount第33页Vocabularyinsuranceagent保险代理人insura