1、Different Insurance Clauses Different ways of expressing the insured amount Three basic Risks Other Additional Risks Insurance Policy/ Certificate Open Policy Coverage,Chapter Nine Insurance,Main & Difficult Points,E-mail: ,Key Words,insurance risk average cover coverage open policy premium,Sample L
2、etters,Letter 1 Taking out an open policy,Language Points,open policy 预约保单 ，船名未确定保单,the Lloyd Insurance Company 劳埃德保险公司,the particulars of the full details of 的全部细节；的详细情况,the particulars 细节；详细情况,intestine casing n. 肠衣,effect an open policy with 与洽办预约保单,十七、八世纪末叶由爱得华劳埃德创办的一家咖啡馆，后来逐步发展成为海上保险和航运业务的交易所。1
3、871年以劳埃德公司的名义向政府注册，发展成为世界上最有影响的保险组织。它本身不承办保险业，其业务由参加该社取得会员资格的承保人办理。,Language Points,insurer 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 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,underwriters n. 保险人；保险商,handsome adj. 相当大的；可观的,a handsome
4、 sum of 一笔可观的金额 a large amount of 一笔可观的金额,Language Points,保险费是根据投保险别的保险费率计算的。,The premium is calculated according to the premium rate or rates for risks to be covered.,Insurance of the goods is to be covered by us for 110% of the CIF value, and any extra premium for additional insurance, if required
5、, shall be borne by the buyers.,premium rebate 保险费回扣 premium tariff 保险费率表 extra premium 额外保险费,此种险别的保险费率是百分之一。,This risk is coverable at a premium of 1%.,premium n. 保险费,货物的保险将由我方以CIF价的110%投保。如果要求投保附加险，额外保险费将由买方自理。,rebate n. 回扣,Language Points,regarding prep. 关于,现随函附上我方目前可供应的、主要商品的最新出口清单一份。,We are enc
6、losing the latest export list regarding the main items available at present.,coverage n. 承保范围；险别总称,insurance coverage 保险范围,我方按发票金额的110%投保仅至目的港。,Our insurance coverage is for 110% of invoice value up to the port of destination only.,Kindly note that the insurance covers FPA and War Risks only. Should
7、 additional insurance coverage be required, the extra premium incurred would be for the buyers account.,请注意保险只包括平安险和战争险。如果要求投保附加险，所需额外保险费将由买方支付。,The Peoples Insurance Company of China 中国人民保险公司缩写：PICC,Language Points,Three Basis Risks：,FPA （Free From Particular Average） 平安险WPA （With Particular Averag
8、e） 水渍险All Risks 综合险；一切险,Other Additional Risks：,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,Taint of
9、Odor Risk 串味险 Sweating & Heating 受潮受热险 Hook Damage Risk 钩损险 Rust Risk = Risk of Rust 锈损险 Breakage of Packing Risk 包装破损险 War Risk 战争险 Strikes, Riots and Civil Commotions (S.R.C.C.) 罢工，暴动，民变险,Language Points,Partial loss 部分损失 Particular average 单独海损 General average 共同海损 Total loss 全部损失 Actual total lo
10、ss 实际全损 Constructive total loss 推算全损,Chinese version of Letter 1,执事先生：感谢你方七月十二日来函按CIF条件报来500公吨肠衣。然而很抱歉，我们宁愿你方按CFR条款给我方报价或报盘。顺便告知，我方已向伦敦劳埃德保险公司办理了预约保险。货物一经装运，我们只需将这一细节通知他们即可。此外，我们和该公司关系良好。通常我们定期地从该保险商那里收到一笔可观的保险费回扣。同时，如蒙提供有关中国人民保险公司承保范围的详细情况以供我方参考，将不胜感激。 谨呈，,Sample Letters,Letter 2 Effecting insuranc
11、e for the buyer,Language Points,insurance n. 保险,insurance clause 保险条款 insurance amount 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
12、；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；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,投保；办理保险的表达法,Language Points,to arrange insurance on the goods against risk for 110% of invoice
13、value with the insurer 与保险商就货物按发票金额的百分之十投保险 to effect insurance to provide insurance to take out insurance to cover insurance,insure v. 保险,to insure the goods against a risk to insure a risk to insure against a risk,the insured 被保险人 insured amount 保额 insured cargo 投保货物 insured goods 投保货物,Language Po
14、ints,Relative Expressions,请投保一切险。,Please insure against all risk.,请投保平安险。,Please insure FPA.,我们已给这些货物投保水渍险。,We have insured the goods WPA.,我们已注意到你方愿意按发票金额的10% 投保。我们正在洽办中。,We noted that you wish to insure shipment to you for 10% above invoice value，which is having our due attention.,我们将为你方所订货物投保偷窃、提货
15、不着险。,Language Points,We shall cover TPND on your order.,你方货物适合投保水渍险和破碎险。,W.P.A. plus Risk of Breakage suit your consignment.,We prefer selling on CIF basis but for this transaction we would like you to effect insurance on your side.,我们喜欢按CIF价格卖货，但对这笔交易我们希望由你方在你处投保。,请投保一切险，因为水渍险范围太窄。,Please insure ag
16、ainst All Risks as W.P.A. is too narrow a coverage.,for ones account 由支付,Language Points,for ones account to be borne by to be responsible,额外运费由买方负担。,The extra freight is to be for buyers account.,这批货物是我们代我分公司购买的。,We bought the goods for the account of our branch office.,按常规，额外保险费应由买方负责。,As a rule,
17、the extra premium involved will be for buyers account.,cover v. n. 保险,Language Points,coverage n. 承保范围；险别总称 insurance coverage 保险范围 to cover insurance 办理保险 to hold sth covered 办理保险 degree of cover 保险范围 extent pf cover 保险范围,我们已办理了必要的保险。,We have arranged the necessary insurance cover.,保险将由买方办理。,Insura
18、nce is to be covered by the buyers.,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。,W.P.A. coverage is too narrow for a shipment of this nature. Please extend the coverage to include TPND.,除了水渍险和战争险外，你们还保其它险吗？,Language Points,Do you cover risks other than W.P.A. and War Risk?,对离岸价格及成本加运费价格条件的卖货，保险由买方办理。,For FOB and
19、C&F sales, insurance is to be covered by buyers.,accordingly adv. 相应地；按照办理,As soon as we receive the above consignment we shall be in a position to assess our requirements with greater accuracy and place an order accordingly.,一经收到上述货物，我们就能比较准确地决定我们的需求并提出相应的订货。,debit note 借方通知；索款通知单,debit an amount t
20、o 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 Bank 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。,Chinese version of Letter 2,执事先生： 事由：你方第1023号订单订购的500箱玩具你方七月二十三日来函收悉，得知贵公司要求我们给标题项下的货物
21、保险，费用由你方自理。兹欣然通知你方：我们已与中国人民保险公司就上述货物投保了一切险，金额为9，800美元。保险单正在缮制中并将在本月底连同我方保险费索款通知单一并寄给你方。顺便告知，我们正在安排将这500箱玩具装运到八月十二日起航的“太湖”轮上。 谨呈，,Sample Letters,Letter 3 Asking the recipient to cancel breakage risk,Additional /extraneous risk 附加险,1) Risk of Breakage 破碎险,Language Points,breakage 破碎险,2) Risk of Breaka
22、ge is classified under extraneous risks.破碎险属于一般附加险。,3) We can cover the Risk of Breakage for you. 我们可以为你们加保破碎险。,Insurance item 保险条款/项目,Language Points,Franchise 特权；免赔率,Survey v. 鉴定；检查；核实,To grant a franchise to. 赋予特权 A franchise of 3% . 免赔率3%,Chinese version of Letter 3,执事先生： 附加险：破碎险我方刚刚收到你方有关蜡光磁砖的第
23、123号信用证。请注意第AD134号合同中的保险条款，我方对这种商品不投保破碎险。因此，请你方从信用证条款中删除“破碎险”字样。此外，我们需指出的一点是诸如窗玻璃、瓷器之类的商品，即使已投保了破碎险，这种险别也有5%的免赔率。换言之，经调查核实，如果破碎率不足5%，则不予受理损失索赔。我们相信情况已经明确，请立即电传修改信用证。 谨呈，,Sample Letters,Letter 4 Insurance company writes to insurer,Inform sb. of sth. 告知某人某事,Language Points,Extraneous risk 附加险,Rate=ins
24、urance rate=premium rate 保险费率,at the rate of 15% 保险费率为15%,4. irrespective adv. 不考虑、不顾及,Language Points,5. in the absence of sth. 在没有（的情况下）；在缺乏（的情况下）,在买方没有具体要求的情况下，我们一般投保水渍险和战争险。,6. definite instructions 明确指示,We usually cover insurance W.P.A and against War Risks in the absence of the buyers detailed
25、 requirements.,Chinese version of Letter 4,执事先生：你方6月18日来函收悉，现告知你方下列事宜：破碎险 破碎险属于附加险。通常，这一险别的保险费率为4%。如果你方想为货物投保此险，我方愿意安排（办理保险）。一切险 一切险是运输途中任何时间发生的一切损失。不管这些损失是发生在海上还是陆上。通常，在没有收到我方客户明确指示的情况下，我方投保水渍险和战争险。保险金额 我方为你方由“王子”轮从大连运往曼谷的型号为TX-26的彩电办理预约保险，货物价值50万美元，投保一切险按报关价的120%投保。相信上述信息对你方会有帮助并等待早日收到你方来信。 谨呈，,Sa
26、mple Letters,Letter 5 Asking to cover insurance,Cover v. 投保；保险,Language Points,At 6%=at the insurance rate of 6% 保险费率为6%,on sth. (the goods) 为投保,4. Dock 码头,5. S.S. Abbreviation of Steamer Ship 蒸汽机轮船,Language Points,6. Due to. 预计 将,7. Be obliged to . 对感激,Chinese version of Letter 5,执事先生：如你方为我方150项电动吹
27、风机投保，投保金额为78，800美元费率为6%，我方将不胜感激。这批货现置于湛江第39号码头，等待装到“东风”轮上，该轮预计于5月10日驶向汉堡。我方需要你方立即为货物投保至汉堡，并且，如果保险单一开出我方就能收到，将不胜感激。同时，请确认你方已将货物投保。谨呈，,Sample Letters,Letter 6 Arranging insurance,Insurance certificate 保险凭证,Language Points,As requested 应你方要求,Enclose herewith sth. 随函附上,As requested, we will inform you o
28、f the date of dispatch immediately upon completing shipment 按照你方要求，我们会在装运完成后立即将发货日期通知你方。In compliance with your wishes (ie As you have requested) we have withdrawn our suggestion 遵照你的要求我们已将建议撤销.,4. In duplicate 一式两份type the document in duplicate 把这份文件打成一式两份Enclosed is our price list in duplicate 随函附
29、上我方报i价单一式两份。,5. Acknowledge v. 确认acknowledge (the receipt of) a letter 确认收到来信,Chinese version of Letter 6,执事先生：我方第565457号保险凭证感谢你方4月20日来函。应你方要求，现随函附上我方第565457号保险凭证，一式两份，该保险凭证按中国人民保险公司条款为上述货物投保一切险。货物已装上“东风”轮，该轮预计约在2006年5月10日从湛江驶往汉堡。保险金额 我方为你方由“王子”轮从大连运往曼谷的型号为TX-26的彩电办理预约保险，货物价值50万美元，投保一切险按报关价的120%投保。请
30、确认收到本保险凭证。 谨呈，,Skill Training,Dear sirs,Re: InsuranceIn reply to your letter of April 20 regarding insurance, we would like to advise you of the following:Usually, it is our practice to cover the goods sold on CIF terms against All Risks for 110% of the invoice value in the absence of definite instr
31、uctions from the customers. If you require broader coverage, we can also arrange for that on condition that the extra premium is for your account.Yours faithfully,.Complete the sentences with the appropriate words given below：,Please against All Risks.,This insurance policy us against TPND.,We will
32、WPA insurance.,cover， covered， covers， covering， coverage， insure， insurance， effected,The documents will be sent to you under separate .,We have to point out that our letter of March 11 has fully this matter.,We send you herewith a copy of B/L shipment of 50 metric tons Walnuts.,insure,covers,cover
33、,cover,covered,covering,We have pleasure in advising shipment of your Order No.2354 50 _metric tons of Small Red Beans.,Insurance on the goods shall be by us for 110% of the CIF value.,We shall provide such at your cost.,Insurance is to be by the buyers under FOB terms.,We have arranged the necessar
34、y cover.,Regarding insurance, the is for 110% of invoice value up to the port of destination.,covering,covered / effected,coverage / insurance,effected / covered,insurance,coverage,. Fill in the blanks with the appropriate words：,We regret our inability to with the buyers request for covering insura
35、nce for 150% of the invoice value, because our contract stipulated that the goods should be covered for 110% of invoice value.,Since the premium varies with the extent of , extra premium is for buyers account, should additional risks be .,Should damage occur, you may put in a claim within 30 days af
36、ter the arrival of the consignment.,Regarding insurance, the coverage is 110% of invoice value up to the port of destination only.,Buyers request for insurance to be covered up to the Island city can be accepted on condition that such extra premium is for account.,We regret being unable to agree to
37、the buyers request as stated in the L/C stipulations for insurance to be covered up to the inland city because our price is on CIF Dubai.,comply,coverage,covered,any,for,Buyers,based,. Translate the following sentences into English:,根据你方要求，我们将按发票金额的110% 投保。,We shall cover insurance for 110% of the i
38、nvoice value in accordance with your request.,请给合同投保平安险和战争险。,Please insure FPA and against War Risk on the contract.,我们将按一般惯例投保水渍险和战争险。,We shall cover WPA and against War Risk according to the usual practice.,这份保单给我们保了破碎险。,The insurance policy covers us against Breakage.,由于合同规定按发票金额的110%投保，如你方要求按130% 投保，额外保费应由你方负担。,As the contract stipulates that insurance should cover 110% of the invoice value, if you desire to cover insurance for 130% instead, the extra premium should be for your account.,
