1、准备知识,保险金 insurance money 保险金额 insurance amount/ insured value /insurance value 保险费 premium 保险费率 premium/insurance rate Coverage 一般意思：新闻报道；覆盖的范围和程度 Insurance coverage 保险范围；保险金额；保险险种（常用）,Insure 和insurance 的用法 1 Insure/cover sb/sth against +险别 for + 保险金额 with +保险公司+at the rate of-% From-to-/as far as-
2、2 Insure sb against +险别 on sth=insure against +险别 on sth for sb 2 insure /cover (against) +险别 3 cover/effect insurance on /for sth 例句（见书223页）,保险的类别（CIC ） 一、基本险 basic risks 1 平安险 free from particular average （FPA） 2 水渍险With average (WA) / With particular average （WPA）保由于自然灾害造成的部分损失。 3 一切险、综合险All risk
3、 （AR）二、附加险Extraneous risks /special risks /additional risks 1 一般附加险 Theft, pilferage and non-delivery risks 偷窃，提货不着险 Rain, Fresh water damage risks 淡水雨淋险 Shortage risk 短量险,Intermixture and contamination risks 混杂、污染险Leakage risk 渗漏险Clash and breakage risks 碰损、破碎险Hook damage risk 钩损险Rust risk 锈损险 Brea
4、kage of packing risk 包装破裂险 Sweating and heating risk 受潮、受热险Taint of odor risks 串味险,2 特别附加险War risk 战争险 、兵险Strikes risk 罢工险Failure to delivery risk 交货不到险Import duty risk 进口关税险On deck risk 舱面险Rejection risk 拒收险Aflatoxin risk 黄曲霉素险,Fire risk extension clause for storage of cargo at destination Hong Kon
5、g, including Kowloon or Macao 出口到港、澳地区（包括九龙）的货物存仓火险 1、有人认为除war risk 和 all risks 以外的险别，risk 可省略。（不推荐） 2、有时risk 可放前，后加of ,如 risk of leakage 3、FPA 、WPA前不加against 4、关键字大写,1 买方请卖方代办保险 We wish to refer you to our order no.123 for 200”-”brand bicycles, from which you will see that this order was placed on
6、a CFR basis. As discussed in our telephone conversation, we would like to leave insurance arrangements to you. So we shall be pleased if you could have the goods covered against All Risk on our behalf for 110% of the invoice value, i.e. $7000. The premium is to be charged to the consignee and will b
7、e paid by them on presentation of the documents by your agents in SP. We sincerely hope that our above request will meet with your approval.,2 回复 In reply to your letter of January 23 asking us to effect insurance on the above order, we are pleased to inform you that we have covered the shipment wit
8、h the peoples insurance company of china against All Risk for $7000. The policy is being prepared accordingly and the debit note for the premium will be presented by our agents in SP to the consignees in a week or two. For your information, we are making arrangements to ship the bicycles by s.s.”-”
9、which is due to sail for your port on or about February 4.,3 解释保险惯例 We have received your letter of June 20 in regard to insurance. Now we would like to inform you of the following: Normally we cover insurance WPA and War Risk in the absence of the definite instructions from our customers. If you de
10、sire to cover All Risks, we can provide such coverage at a slightly higher premium. As to the insured value, our general practice is to insure at invoice value plus 10%. Any,additional premium for insurance coverage over 110% of the invoice amount, is so required, shall be for buyers account. Risk o
11、ther than All Risks and War Risk can also be covered here, and the extra premium will again be borne by the buyer. We hope the above information will serve your purpose.,4 向保险公司提出索赔 We are the holder of the insurance policy no.123 issued by your company on 1000kgs of chemical fertilizer shipped by s
12、/s”-”. We regret to inform you that during the voyage the ship encountered bad weather and the above consignment incurred heavy loss. We have arranged for the surveyor to investigate the extent of the damage and shall forward his report together with our claim as soon as possible. Please let us know
13、 what particulars you need from us when we submit our claim.,5 修改保险条款 We refer to your L/C no.123 covering -, which we have just received. Please note for this article we do not cover Breakage. You have to, therefore, delete the word “Breakage” from the insurance clause in the credit. Furthermore, w
14、e wish to point out that for such articles as window glass, etc. even if additional Risk of Breakage has been insured, the cover is subject to a franchise of 5%. In other words, if the breakage is surveyed to be less than 5%, no claim for damage will be entertained. We trust that the position is now
15、 clear, please fax the amendment at once.,要求代为索赔,When the s.s.”-” arrived at SP on may 2th , it was noticed that one side of case no.12 containing radio receivers was split. We therefore had the case opened and the contents examined by a local insurance surveyor in the presence of the shipping compa
16、nys agents. The case was invoiced as containing 21 receiver, eight of which were badly damaged. We enclose the surveyors report and the shipping agents statements. As our order was on CIF basis and you covered the,Insurance, we should be grateful if you would take the matter up for us with the insur
17、ers. Eight replacement receivers will be required. please arrange to supply these and charge to our account. We hope no difficulty will arise in connection with the insurance claim and thank you in advance for your trouble on our behalf. Take up sth with sb 向某人提出 Charge sth to ones account 向某人收取费,常用
18、句型 1 Please quote us your lowest WPA rate for us$20000 on sewing machines from Hong Kong to Qingdao/up to the port of the destination. 2 We wish to cover the consignment against All Risk from our warehouse at the above address to the port of - 3 In the absence of definite instructions from our clien
19、ts, we generally cover insurance against WPA and War Risk; if you desire to cover FPA please let us know in advance.,4 since the premium varies with the extent of coverage, extra premium is for buyers account, should additional risks be required. 5 the franchise for the additional Risk of Breakage o
20、n such fragile articles is 5%. In other words, if the breakage is surveyed to be less than 5%, no claims for damage will be entertained. 6 We are enclosing the requested endorsement (to the policy). 保险批单：保险公司出具的修改保险合同的书面证明。,7 We thank you for your instructions to arrange the shipment of fans. We tak
21、e it that you wish us to insure the goods against the usual risks, for the value of the goods plus freight. Unless we hear from you to the contrary ,we shall arrange this. 8 please let us know the premium at which breakage is coverable by the insurers on your side/at your end.,9 If any other risks a
22、re to be insured against, please let us know by the end of this week, so that we can adjust our insurance charges accordingly and effect shipment without delay. If higher percentage is required, we can do as requested pr ovided you bear the extra premium. 10 we wish to know whether you can issue a s
23、pecial rate for the promise of regular monthly shipments. 11 FPA covers total losses resulting from both natural calamities and accidents, and partial losses caused by accidents.,1 refund sth to sb/refund sb sth 将钱退还给某人 refund you the deposit Refund the premium to you2 保险加成的表示方法 Insure the goods For 110% of the invoice value.(常用)At invoice value plus 10%For 10% above invoice value3 franchise n.免赔率，免赔额；特权，特 许经营 vt 授予特权 This class of goods is sold with afranchise of 3%. This corporation has received a franchise from the government to dealin this kind of business. A franchise to do,
