英语商务函电PPTUnit12

1、Unit12 Insurance,. Teaching Aims:,Insurance is a rather complicated subject and it has now entered into almost every transaction in international trade. To meet the requirement of sea transportation, various kinds of marine risks can be covered under different insurance policies. This chapter deals

2、mainly with marine insurance.,Through study of this chapter, students will be acquainted with insurance clauses, especially three basic risks and some additional risks which we often cover in our daily business.,.Important and Difficult Points:,1. Different insurance clauses; 2. Different ways of ex

3、pressing the insured amount; 3. Open policy; 4. Key words and expressions: Cover, coverage, insure, insurance, risk, premium, open policy,. Teaching contents:,Import and export cargoes are subject to damage or loss incurred by a variety of risks in the course of transit, loading and unloading, stora

4、ge, etc.,Therefore goods traveling to another country must be insured against loss or damage at each stage of their journey, so that the parties concerned can be compensated after the damage or loss.,在国际贸易中，进出口货物由卖方地点到买方地点的运输、装卸和存储等流转环节的过程中，可能会遇到各种各样的风险、灾害和意外事故而遭受损失。 为了货物在遭受损失后能得到经济上的补偿，买方或买方应在货物启运前

5、，向保险公司办理货物的运输保险。,货物运输保险是投保人(insured)(被保险人)在货物装运前，以一定的保险金额(the insurance value)向承保人(insurer)(保险人)即保险公司投保货物运输险。 由于对外贸易的货物大多数是通过海洋运输的，所以海洋运输货物保险就显得特别重要。,Insurance was originally applied to losses at sea, where risks were always great. Now it has become a vast subject, entering into almost every activit

6、y of human beings. As far as foreign trade is concerned, there are various kinds of risks which can be covered under an insurance policy.,. The purpose of insurance The purpose of insurance is to provide compensation for those who suffer from loss or damage; in other words, it is a contract of indem

7、nity, a contract to restore to someone, either the full amount of the loss that may be incurred, or a specified percentage of the amount of the loss.,保险的目的是使其货物遭受损失或损坏者得到赔偿。换句话说，它是一种赔偿契约，给某人赔偿遭受损失的全部金额或按特定百分比赔偿所损失的一部分金额。,A contract of insurance, which is generally made in the form of an insurance po

8、licy, is one between a party who agrees to accept the risk (the insurer) and a party seeking protection from the risk (the insured).,In return for payment of a premium, the insurer agrees to pay the insured a stated sum (or a proportion of it) should the event insured against occur. The premium, bei

9、ng the name given to the sum of money, paid by the insured, is quoted as a percentage of the sum insured.,保险合同通常用保险单的形式，是承担风险的一方（承保人）和寻求防御风险的一方（投保人）两者之间的一种合同。若投保的风险发生了，承保人为报偿投保人所付的保险费，同意付给投保人一笔规定的金额或一部分金额。保险费是按投保金额的百分之几计算的，也就是投保人所付的钱。,投保人(the insured) 按 保险金额(insurance amount/insurance value) 险别 （cov

10、erage） 保险费率(rate) 向 承保人(insurer) 支付保险费(premium) 领取保险单(insurance policy) 保险凭证（insurance certificate）,保险涉及费用,(1) 保险金额（Insured Amount） 是指保险人（被保险人）对保险标的（ Subject-matter Insured）的实际投保金额，是保险人计算保险费的依据，也是保险人承担损失赔偿责任的最高限额。,按照国际保险市场的习惯做法，出口货物的保险金额一般按CIF货价另加10%计算，这增加的10%叫保险加成，也就是买方进行这笔交易所付的费用和预期利润。 保险金额计算的公式是：

11、 保险金额=CIF货值（1+加成率）,（2）险别（coverage） 险别是确定承保人赔偿的责任范围， 不同的险别承保人承担的责任范围不同。,(3) 保险费(Premium) 是保险人因承担特定的赔偿或给付责任而向投保人或被保险人收取的费用。 保险费率（Premium Rate）是由保险公司根据一定时期、不同种类的货物的赔付率，按不同险别和目的地确定的。 保险费则根据保险费率表按保险金额计算，其计算公式是： 保险费=保险金额保险费率。,There are a great many insurance companies in the world Lloyds is a famous organ

12、ization incorporated in London in 1871. The Peoples Insurance Company of China (PICC) established in 1949, is the sole state-owned insurance organization in China.,It underwrites almost all kinds of insurance and has agents in practically all main ports and regions the world over. Since the establis

13、hment of the PICC, it has become the practice of our foreign trade corporations to have their imports insured with the PICC.,Insurance on Chinas exports may also be covered here if the foreign buyers deem it advisable to do so. But never should the buyers be forced to accept CIF terms if they intend

14、 doing business on CFR or FOB basis with insurance at their discretion.,保险条款 The PICC has its own insurance clauses, known as China insurance clauses (CIC), which is different from the Institute Cargo Clauses (ICC).,The principal perils which the basic marine policy of the PICC insures against under

15、 its Ocean Marine Cargo Clauses are:,按照中国人民保险公司海洋运输货物保险条款，该公司的基本保险单承保的海运主要险别有：,1、基本险(Basic Risks) 平安险F.P.A (Free From Particular Average) 水渍险W.P.A (With Particular Average) 一切险AR (All Risks),2、附加险(Additional Risks/coverage) 一般附加险 (General Additional Risks/coverage) (1) 偷窃，提货不着险T.P.N.D. (Theft, Pilfe

16、rage （Suggesting the term of insurance and the reason） 3希望对方同意并希望对方尽早发货。（Wishing the reader to accept and ship the goods early）,卖方保险信函写法： 1说明收到信函； （Stating that you have received their letter） 2说明自己的意见（同意或不同意）及其理由； （Giving your reply of agreeing or refusing and your reasons） 3说明会立即发货等。 （Stating the

17、goods will be sent soon, etc.）,1、see to it that确保。 （1）Please see to it that the L/C extension should reach here before June 30.（请注意信用证展期通知要6月30日之前到达我处。） （2）Please see to it that the goods we ordered are shipped as soon as the covering letter of credit reaches you. （请确保一收到有关的信用证就装运我们所订的货物。）,2、cover投保

18、，动词。 （1）We shall cover All Risks for you.（我们将为你方投保综合险。） （2）We shall cover the insurance ourselves.（我们自己投保。）,为某物向保险公司按多大金额投保什么险 Cover insurance (against) (a risk) for(an amount) on (sth.) with (an insurance company) 可用于以上句型的动词还有： arrange, effect, provide, take out, etc.,3、for 10% above the invoice value 按发票金额的百分之一百一十 常见的投保金额的表达有： for 110% of the invoice value for 10% above the invoice value for the invoice value plus 10%,4、insure投保，保险，动词。 （1）Please insure the goods against breakage.（请给货物投保破损险。） （2）Please insure for 10% abov