Unit_12_insurance.ppt

1、Unit twelveInsurance,对外贸易的运输保险是指：被保险人（出口人或进口人）对一批或若干批货物向保险人按一定金额投保一定的险别，并交纳保险费；保险人承保后,如果所保货物在运输途中发生约定范围内的损失，应按照它所出具的保险单的规定给予被保险人经济上的补偿 保险公司接受投保的险别，费率及条款内容往往因客观条件的变更而有所变更或修改。因此，要针对货物的性质，运输条件和理陪范围的情况，选择必要的险别投保，这样既可节省开支，又可避免因风险而引起的损失,投保时，通常选择平安险FPA （Free From Particular Average） ，水渍险WPA （With Particula

2、r Average）或一切险All Risks三种基本险别的一种。然而，加保其它特殊附加险别也是必要的。 其它附加险险别： Theft, Pilferage & Non-Delivery Risks (T.P.N.D)偷窃提货不着险 Fresh and/or Rain Water Damage Risks淡水雨淋险 Shortage Risk = Risk of Shortage短量险 Intermixture & Contamination Risks混杂，沾污险 Leakage Risk = Risk of Leakage渗漏险 Clash & Breakage Risks碰损，破碎险 T

3、aint of Odor Risk串味险,相关的表达法： insurer保险人；保险商/ underwriters n.保险人；保险商 insurance company保险公司 underwriter保险商 the insured被保险人；投保人 insurant被保险人；投保人 assured被保险人；投保人 applicant投保申请人 proposer投保申请人 proposal form投保申请单,premium rebate保险费回扣 premium tariff保险费率表 extra premium额外保险费 insurance clause保险条款 insurance amou

4、nt保险额 insurance claim保险索赔 insurance coverage保险范围 insurance policy保险单,俗称大保单，正规保单 insurance premium保险费 insurance certificate保险凭证,俗称小保单 insurance agent保险代理人 insurance broker 保险代理人；保险经纪人 insurance declaration保险声明书；保险通知书 insurance endorsement保险批单 air transportation insurance航运运输保险 marine insurance海运险；水险；

5、海上保险 ocean marine cargo insurance海洋运输货物保险 overland transportation insurance陆上运输保险 parcel post insurance邮包保险,Letter-1,Have insured at your end 让你方为所订货物投保 to insure the goods against All Risks投保一切险 Please insure FPA. 请投保平安险。 We have insured the goods WPA.请给这些货物投保水渍险。 at invoice value plus 10%按发票价值另加10

6、% for 110% of invoice value按发票金额的110% for 10% above invoice value在发票价值上加10%,insured goods投保货物 the insured 被保险人 insured amount保额 insured cargo投保货物,.debit note 借方通知；索款通知单 debit v.把记入借方 debit an amount to ones account把一笔金额记入某人帐户的借方 debit ones account with an amount把一笔金额记入某人帐户的借方 His account with the Ba

7、nk of China had been debited with the sum of $5 for half-yearly bank charges. 中国银行把一笔五美元的帐记入他的帐户的借方，作为半年的银行手续费。,Letter-2,to effect insurance 投保 to provide insurance to take out insurance to cover insurance to arrange insurance on the goods against risk for 110% of invoice value with the insurer与保险商就

8、货物按发票金额的百分之十投保险,1.表示所保的货物，后接 on，如： insurance on the 100 ton of wool。 2. 表示投保的险别,后接 against。如： Insurance against all risks 3. 表示保额,后接for , 如 insurance for 110 of the invoice value 说明情况时，insurance后介词的用法： 4. 表示保险费或费率， 后接at，如：insurance at a slightly higher premium，insurance at the rate of 5 5. 表示向某保险公司投

9、保，后接with， 如：insurance with PICC We have covered insurance on the 100 metric tons of wool for 110%of the invoice value against all risks,for ones account 由支付 类似的表达法还有： for ones account /to be borne by/ to be responsible The extra freight is to be for buyers account. 额外运费由买方负担。 We bought the goods for

10、 the account of our branch office. 这批货物是我们代我分公司购买的。 As a rule, the extra premium involved will be for buyers account. 按常规，额外保险费应由买方负责。,Cover 1 V. 保险， 投保 后可接所保的货物、投保的险别、 和被保险人。 to cover insurance办理保险 to hold sth covered办理保险 We shall cover the goods against all risks.We shall cover all risks and war r

11、isk for you. This insurance policy covers us against breakage. Insurance is to be covered by the buyers.保险将由买方办理。,2 n. 保险 degree of cover保险范围 extent of cover保险范围 We have arranged the necessary insurance cover. 我们已办理了必要的保险。 coverage n. 承保范围；险别总称 insurance coverage保险范围 W.P.A. coverage is too narrow fo

12、r a shipment of this nature. Please extend the coverage to include TPND. 对这种性质的货物只投保水渍险是不够的，请加保偷窃提货不着险。,Exercise II: cloze,Insurance, that, CIF, is, and, of, you, risks, Ocean, the, China, on, extra, by, mentioned, in, Risks, necessary, You, the, China, equitable, there, be, take, in, arrival, the,

13、to, damage, for, as, in, trouble,1. Please see to it that the above-mentioned goods are to be shipped before 15th June and insured against All Risks for 150% of the invoice value. We know that according to your usual practice, you insure the goods only for 110% of the invoice value, therefore, the e

14、xtra premium will be borne by us.,2. An insurance claim should be submitted to the insurance company or its agent as promptly as possible so as to provide the insurance company or its agent with ample time to pursue recovery from the relative party at fault.,3. we regret to inform you that Case No.8

15、 was invoiced as containing 10 type writers, eight of which were badly damaged upon arrival. We enclose an inspection certificate issued by the Shanghai Commodity Inspection Bureau and the shipping agents statement and hope that no difficulty will arise in the settlement of our above claim amounting

16、 to US$3,ooo.oo.,4. In the absence of your definite instructions regarding insurance, we covered your ordered goods against W.P.A. for 110% of the invoice value according to our usual practice.,If you desire to cover your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.,6. Should any damage be incurred, you may, within 30 days after the arrival of the consignment at the port of destination, approach the insurance agents, at your end and file