1、Im looking for insurance from your company. 我是到贵公司来投保的。 Mr. Zhang met Mr. William in the office of the People Insurance Company of China. 张先生在中国人民保险公司的办公室接待了威廉先生。 After loading the goods on board the hip, I go to the insurance company to have them insured. 装船后，我到保险公司去投保。 When should I go and have th
2、e tea insured? 我什么时候将这批茶叶投保？ All right. Lets leave insurance now. 好吧，保险问题就谈到这里。 I have come to explain that unfortunate affair about the insurance. 我是来解释这件保险的不幸事件的。 I must say that youve corrected my ideas about the insurance. 我该说你们已经纠正了我对保险的看法。 This information office provides clients with informat
3、ion on cargo insurance. 这个问讯处为顾客提供大量关于货物投保方面的信息。 The underwriters are responsible for the claim as far as it is within the scope of cover. 只要是在保险责任范围内，保险公司就应负责赔偿。 The loss in question was beyond the coverage granted by us. 损失不包括在我方承保的范围内。 The extent of insurance is stipulated in the basic policy for
4、m and in the various risk clause. 保险的范围写在基本保险单和各种险别的条款里。 Please fill in the application form. 请填写一下投保单。 Words and Phrases insure 保险；投保；保证 insurance 保险；保险费；保险金额 underwriters 保险商（指专保水险的保险商）保险承运人 insurance company 保险公司 insurer 保险人 insurance broker 保险经纪人 insurance underwriter 保险承保人 insurance applicant 投
5、保人 insurant, the insured 被保险人，受保人 to cover (effect,arrange,take out) insurance 投保 insurance coverage;risks covered 保险范围 insurance slip 投保单 insured amount 保险金额 insurance against risk 保险 insurance clause 保险条款 insurance instruction 投保通知 insurance business 保险企业 insurance conditions 保险条件What risks is the
6、 Peoples Insurance Company of China able to cover? 中国人民保险公司承保的险别有哪些？ What risks should be covered? 您看应该保哪些险？ What kind of insurance are you able to provide for my consignment? 贵公司能为我的这批货保哪些险呢？ Its better for you to can the leaflet, and then make a decision. 你最好先看看说明书，再决定保什么险。 These kinds of risks su
7、it your consignment. 这些险别适合你要投保的货物。 May I ask what exactly insurance covers according to your usual C.I.F terms? 请问根据你们常用的 CIF 价格条件，所保的究竟包括哪些险别？ It s important for you to read the “fine print“ in any insurance policy so that you know what kind of coverage you are buying. 阅读保险单上的“细则”对你是十分重要的，这样就能知道你要
8、买的保险包括哪些项目。 Words and Phrases PICC (Peoples Insurance Company of China) 中国人民保险公司 risk insured, risk covered 承保险项 risk 险别 to provide the insurance 为.提供保险 leaflet 说明书 fine print 细则 what is the insurance premium? 保险费是多少？ The premium is to be calculated in this way. 保险费是这样计算的。 The total premium is 800 U
9、.S. dollars. 保险费总共是 800 美圆。 The cover paid for will vary according to the type of goods and the circumstances. 保险费用按照货物类别的具体情况会有所不同。 The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance. 我们所收取的费率是很有限的，当然，保险费用要根据投保范围的大小而有所不同。 According to co-insurance cl
10、auses, the insured person must pay usually 20 percent of the total expenses covered. 根据共同保险条款，保险人通常必须付全部费用的百分之二十。 The insurance rate for such kink of risk will vary according to the kind. 这类险别的保险费率将根据货物种类而定。 Insurance brokers will quote rates for all types of cargo and risks. 保险经纪人会开出承保各类货物的各种险别的费用。
11、 Can you give me an insurance rate? 您能给我一份保险率表吗？ Could you find out the premium rate for porcelain? 您能查一下瓷器的保险费率吗？ You should study not only the benefits but also the terms and limitations of an insurance agreement that appears best suited to your needs. 你不仅要研究各种保险所标明的给予保险人的赔偿费用，还要研究它的条件与限制，然后选出最适合你
12、需要的一种。 Words and Phrases insurance expense 保险费 premium rate 保险费率 premium 保险费 insurance rate 保险费率表 insurance proceeds 保险金（保险收入）F.P.A. stands for “Free from Particular Average“.FPA 代表平安险。W.P.A. stands for “With Particular Average“.WPA 代表水渍险。Ill have the goods covered against Free from Particular Avera
13、ge.我将为货物投保平安险。I know that F.P.A insurance doesnt cover losses on consumer goods.我知道平安险不包括消费品的种种损失。I dont think that the W.P.A insurance covers more risks than the F.P.A我认为水渍险承保的范围并不比平安险的范围宽。Free from Particular Average is good enough.只保平安险就可以了。The goods are to be insured F.P.A.这批货需投保平安险。What youve c
14、overed is Leakage.你所投保的是渗漏险。Why dont you wish to cover Risk of Breakage?您为什么不想投保破碎险呢？W.P.A coverage is too narrow for a shipment of this nature, please extend the coverage to include TPND.针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不成险。Dont you wish to arrange for W.P.A. and additional coverage against Risk of Breaka
15、ge?您不想保水渍险和附加破碎险吗？Not every breakage is a particular average.并不是所有的破碎险都属于单独海损。The coverage is W.P.A. plus Risk of Breakage.投保的险别为水渍险加破碎险。Well, obviously you wont want All Risks cover.显然，你不想保综合险。An All Risks policy covers every sort of hazard, doesnt it?一份综合险保单保所有的险，是吗？Wed like? to cover the porcelai
16、n ware against All Risks.我们想为这批瓷器投保综合险。Please insure the shipment for RMB5,000 against All Risks.请将这批货物投保综合险人民币 5000 元。Weve cover insurance on these goods for 10% above the invoice value against All Risks.我们已经将这些货物按发票金额加百分之十投保综合险。An F.P.A. policy only covers you against total loss in the case of min
17、or perils.平安险只有在发生较小危险时才给保全部损失险。The F.P.A. doesnt cover partial loss of the nature of particular average.平安险不包括单独海损性质的部分损失。A W.P.A. or W.A. policy covers you against partial loss in all cases.水渍险在任何情况下都给保部分损失险。Youll cover SRCC risks, wont you?你们要保罢工、暴动、民变险，是吗？As our usual practice, insurance covers
18、basic risks only, at 110 percent of the invoice value. If coverage against other risks is required, such as breakage, leakage, TPND, hook and contamination damages, the extra premium involved would be for the buyers account.按照我们的惯例，只保基本险，按发票金额 110%投保。如果要加保其它险别，例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等，额外保险费由买方负担。Word
19、s and Phrasesinsurance free of (from) particular average (FPA). 平安险（单独海损不赔）insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against
20、total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss)? 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland
21、 Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TRND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of l
22、eakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险We can serve you with a broad range of coverage against all kinks of risks for sea transport.我公司可以承保海洋运输的所有险别。Generally speaking, aviatio
23、n insurance is much cheaper than marine insurance.空运保险一般要比海运保险便宜。Then “all marine risks“ means less than “all risks“.那么， “一切海洋运输货物险”意味着比“一切险”范围小一些。In the insurance business, the term “average“ simply means “loss“ in most cases.在保险业中“average”一词一般是“海损”的意思。Are there any other clauses in marine policies
24、?海运险还包括其它条款吗？Breakage is a particular average, isnt it?破碎险属于一种单独海损，对吗？the risk of breakage is covered by marine insurance, isnt it?破碎险是包括在海洋运输货物险之内的，对吗？The English understood by “marine risks“ only risks incident to transport by sea.英国人对“海洋运输货物险”只理解为海洋中的意外风险。Generally, the term “all marine risks“ is
25、 liable to be misinterpreted and its use should be avoided in L/C.一般地， “一切海洋运输货物险”容易被误解，应该避免在信用证中使用。Words and Phrasesocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失
