Unit Ten Insurance.ppt

1、Session Ten,Review on Unit Nine,Two forms of packing,Large packing Outer packing Transportation packing,Small packing Inner packing Sales packing,Packing containers,Cardboard box Carton Poly bag Zippered bag Wooden case Crate Sack Can,Packing containers,Cardboard box Carton Poly bag Zippered bag Woo

2、den case Crate Sack Can,厚纸盒 纸箱 塑料袋 拉链袋 木箱 板条箱/柳条箱 麻布袋 罐、铁罐,Packing containers,Barrel Bale Kraft paper Metal strap Fermented plastic Saw dust Wax paper Carboy Pallet,Packing containers,Barrel Bale Kraft paper Metal strap Fermented plastic Saw dust Wax paper Carboy Pallet,桶 大包、捆包 牛皮纸 铁条 泡沫塑料 木屑 蜡纸 大玻璃

3、瓶 货物托盘,Session TenInsurance,Insurance,The purpose of insurance is to provide compensation for those who suffer from loss and damage the business of providing insurance 保险业 the money you pay regularly to an insurance company = insurance premium 保险金 The contract of insurance is insurance policy 保单,Par

4、ties Involved in Insurance,insurer: a person or company that provides insurance = insurance underwriter 保险商 insured: a person whose life or property is insured an insured, 投保人 policy-holder: someone who has bought insurance for something, the owner of an insurance policy 保单持有人 (insurance) assessor:

5、（保险）估损员 (insurance) surveyor:（保险）勘查员，调查员,Main types of insurance,FPA (Free from particular average)平安险 It is a limited form of cargo insurance only provides coverage for total losses and general average emerging from the actual “marine perils” like vessel being stranded or sunk.,Main types of insura

6、nce,WPA (With particular average) 水渍险 It is a wider cover than FPA. It provides extensive cover, including partial loss or damage which may be attributed to natural disasters.,Main types of insurance,All Risks 一切险 It is the most comprehensive of the three basic coverage. The insurer is responsible f

7、or all total or partial loss of, or damage to the goods insured either from sea perils or general external causes.,General Average 共同海损 It is a loss resulting from a voluntary sacrifice or expenditure, in time of peril, for the safety of hull, cargo and freight. Particular Average 单独海损 It means part

8、ial loss or damage accidentally caused to the ship or to a particular lot of goods. It is not a total loss. It must be borne by the owner of the property suffering the loss.,Main types of insurance,General additional risks 一般附加险 Include TPND (Theft, Pilferage and Non-delivery)偷窃提货不着险, Fresh Water Ra

9、in Damage淡水雨淋险， Risk of Shortage短量险， Risk of Intermixture and Contamination混杂沾污险, etc. It is included in All Risks coverage.,Main types of insurance,Special additional risks 特别附加险 Include War Risk, Strikes Risk, Failure to Delivery交货不到险, Import Duty Risk进口关税险, On deck Risk 舱面险etc. These additional r

10、isks are insured together with FPA, WPA and All Risks.,Sample letters,Lets read the sample letters on page 192- 195 in details.,Letter-12(1),Insure vt. 保险 insure on ones behalf 为投保 insure against All Risks / FPA / WPA投保险 insure against at % of invoice value 按发票金额百分之投保险 e.g. Please insure the goods o

11、n our behalf against All risks and War risk at 110% of invoice value.,Letter-12(1),Refund v.n. pay back money to sb. 偿付 还款 e.g. refund the purchase price 退还购买价 v. You may ask for refund for any unsatisfactory goods. n. Premium the payment made for insurance 保费 e.g. health insurance premium 健康保险费 max

12、imum premium 最高保险费,Letter-12(2),Effect insurance for ones account 替方投保 e.g. please effect insurance against WPA for our account. Cover the shipment with against 向保险公司为货物投保险 e.g. We have covered the shipment with Lloyds against All Risks. Lloyds 劳埃德海上保险协会 a world famous insurance organization,Letter-

13、12(3),Insurance surveyor 货物检查员 an inspector who examines cargos or goods in case of a claim for damage or inferiority in the presence of sb. 在在场的情况下 e.g. The damage inspection was carried out in the presence of both buyer and seller.,Letter-12(3),Surveyors report 检查员报告 Shipping agents statement 轮船公司

14、代理人的声明 Charge sth. to ones account 记在的帐上 e.g. Please insurance our goods against All Risks and War Risks, charge the extra premium to our account.,Letter-12(4),Rate of premium 保险费率 e.g. the PICC offers relatively lower rate of premium compared to other insurance companies. As per Institute Cargo Cla

15、uses 根据（伦敦保险）协会货物保险条款 e.g. We shall cover your goods against All Risks as per ICC.,vocabulary,All risks (A.R.) With Particular Average (W.P.A.) Free from Particular Average (F.P.A) General Average (G.R.) Particular Average (P.R.) General Additional Risks Special Additional Risks,一切险，综合险 水渍险 平安险 共同海损

16、 单独海损 一般附加险 特殊附加险,vocabulary,ICC (Institute Cargo Clauses) PICC (The Peoples Insurance Company of China) CIC (China Insurance Clauses) Ocean Marine Cargo Clauses of PICC,（伦敦保险）协会货物条款 中国人民保险公司 中国保险条款 中国人民保险公司海洋运输货物保险条款,Useful expressions,Please insure / cover us on the following. Please insure/ cover

17、 for us the following.,The cargo is to be insured warehouse to warehouse against All Risks. Warehouse to warehouse 仓至仓,3. We usually effect insurance against All Risks and War Risks for the invoice value plus 10% for the goods sold on CIF basis.,For goods sold on CIF basis, insurance is to be effect

18、ed by us for 110% of the invoice value against All Risks based on warehouse to warehouse clause. Based on W to W clause 按仓至仓条款,We agree to your request to insure the shipment for 130% of the invoice value, but the premium for the difference between 130% and 110% should be for you account. Insure for

19、 % of invoice value 按发票金额百分之投保 Premium for the difference 保费的差别 For ones account 由承担,6. We regret being unable to comply with your buyers request to cover the goods against All Risks and War Risks for 150% of the invoice value because our contract stipulates that insurance is to be effected for 110%

20、 only. Be unable to comply with 无法按照 Stipulate 规定 Be effected for 110% only 保险只能按110%投保,7. As our insurance company is a state-operated enterprise enjoying high prestige in settling claims promptly and equitably, you are advised to do business with us on CIF basis and leave the insurance to be effec

21、ted by us. State-operated enterprise 国有企业 High prestige 很高声誉，威望 Settle claims promptly and equitably 及时的、公平的处理索赔,The premium varies with the extent of insurance. Should additional risks be covered, the extra premium would be for buyers account. Extent of insurance 保险的范围 Extra premium 额外的保费 For buyer

22、s account 由卖方承担,Exercise I Please fill these words into their proper places. Premium Policy Coverage Underwriter _ is the extent of protection given to the insured by terms of the contract of insurance. _ is a contract of insurance, an agreement between the insurer and insured. _ is the amount an in

23、sured pays in exchange for the protection provided by a policy _ is a firm or person that practices insurance, especially of ships.,请注意上述货物须在6月15日前装运，并按发票金额150%投保一切险。我们知道按一般惯例，你们只按照发票金额110%投保，因此额外的保费将由我们承担。,Exercise II: Sentences translation,Please see to it that the above-mentioned goods are to be

24、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 extra premium will be borne by us.,如果你方希望投保一切险。我们可代为投保，但保费稍高，保费差额由你方负担。 如果货物发生损坏，你方可在货到达目的港30天内凭公证行的检验报告与你处保险代理行联系并向他们提出索赔。,If you desire to cover your goods aga