1、Insurance,Learning objectives:,By studying this unit, you will be able to: Know why and how to insure goods and what insurance letters concern Know the essential components of a letter concerning insurance Master typical sentences and expressions in writing such letter,Types of International cargo t
2、ransport insurance 国际货物运输保险种类,Air transportation insurance 航空运输保险 Overland transportation insurance 陆运险 Parcel post insurance 邮包运输险 Marine insurance 水险，海运险,1.China Insurance Clauses 中国保险条款（C.I.C）(made by PICC) Ocean Marine Cargo Clauses 中国海洋运输货物保险条款 （OMCC） 2.Institute Cargo Clauses 协会货物保险条款 （I.C.C）I
3、CC(A) Institute War clauses-Cargo ICC (B) Institute Strike clauses-CargoICC (C) Malicious Damage Clause 恶意损害险条款,Insurance Clauses 保险条款,Two types of basic and additional risks,Three types of the basic insurance covers in marine insurance: FPA ( Free of Particular Average), WA (With Average) and All R
4、isks. Two types of additional insurance: General Additional Risks and Special Additional Risks.,1. Basic Risks 基本险： FPA (Free from Particular Average) 平安险 WA or WPA ( With average or With Particular Average) 水渍险 All Risks 一切险，综合险 2. General Additional Risk 一般附加险3. Special Additional Risk特殊附加险 War Ri
5、sk 战争险 S.R.R.C (strikes, Riots, Civil Commotions) 罢工、暴动、民变险 Import Duty Risk 进口关税险 Rejection Risk 拒收险 Failure to Deliver Risk 交货不到险,Insurance Coverage,General additional risks (一般附加险）,Theft, Pilferage & Non-Delivery Risks (T.P.N.D) 偷窃提货不着险 Fresh and/or Rain Water Damage Risks (FWRD) 淡水雨淋险 Shortage R
6、isk = 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 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,Some usual practice of insurance in t
7、he international trade,Under the terms of FOB and CFR, the importer is responsible for insurance up to the port of destination. Under the terms of CIF, the exporter insures the goods.,The procedure of covering insurance,Complete a proposal form submit to the insurance company the insurance company a
8、ccepts the proposal the insurance company issues an insurance policy,Phrases and expressions,insurance,insurance clause 保险条款 insurance coverage 保险范围/险别 insurance amount 保险额 insurance premium 保险费 Underwriter 保险商 Insurance company 保险公司 the insured 被保险人 insured cargo /goods 投保货物 insurance declaration 保
9、险声明书；保险通知书 insurance policy 保险单, 俗称大保单，正规保单 insurance certificate 保险凭证, 分保单，俗称小保单-简式保单,coverage n. 承保范围；险别总称,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.,3) W.P.A. coverage is too narrow for a shipment of this nature. Please extend the
10、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。,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。 。,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, shall be borne by the buyers.,Premium rate 保险费率
11、 premium rebate 保险费回扣 premium tariff 保险费率表 extra premium 额外保险费,投保；办理保险的表达法,to insure +(against )险别 to insure (cover) sb. on sth. 为.投保 to insure (cover) sth. against (for, with, at ) .,cover Effect Arrange Take out Provide Issue,On . (货物/贸易术语） For (保险金额） At （保险费率） Against (保险险别）WPA /FPA前不用 With (保险公司
12、） By (投保人）,Insurance,Samples :,Please take out (.)insurance (.coverage) on (of) the goods (shipment/consignment/order) against All Risk() for us (for our account/ on our behalf) with (name) Insurance Company for the sum of US$.(for)at the rate of%,translation :,根据你方要求，我们将按发票金额的110% 投保。,We shall cove
13、r insurance for 110% of the invoice value in accordance with your request.,2. 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.,The insurance policy covers us against Breakage. 这份保单给我们保了破碎险,保 险 单 保险单号码：118765兹证明中国轻工产品进出口公司上海分公司向本公司投保：总保险金额：100，000美元整投保货物：5，0
14、00 台“蝴蝶”牌缝纫机自上海港至纽约港装载工具：和平轮启航日期：1996年5月20日承保险别：一切险如有损坏，由检验行查勘，在上海理赔。本保险单一式二份1996年5月7日于上海开具。中国人民保险公司 上海分公司,insurance policy,Insurance Policy,Insurance Policy Invoice No. 1234 Policy No. 118765This is to certify that this Company has insured on behalf of China National Light Industrial Products Impor
15、t & Export Corp, Shanghai Branch.The sum of US dollars One Hundred Thousand only.Upon Five Thousand sets “Butterfly” Sewing Machines.At & from Shanghai to New York.Ship or vessel: S/S “Peace”. Sailing on or about May 20,1996.Covering All Risks.,In the event of damage, to be surveyed by Johnson Surve
16、y Co. and claims payable at Shanghai.This policy is issued in duplicate at Shanghai on the 7th day of May in the year one thousand nine hundred ninety six.The Peoples Insurance Company of China Shanghai Branch (Manager),Chinese version of the letter sample,执事先生： 事由：保险兹答复你方二月二十四日关于保险事宜的来函。我方愿意告知你方下列事
17、宜：你客户要求投保到内陆城市的请求可以接受，但条件是由此而导致的额外保险费由买方自行负担。 (your customers request for insurance coverage up to inland is acceptable on condition that such extra premium is for his account.) 在客户没有明确指示的情况下，我们一般投保水渍险和战争险。倘若你方想投保战争险，我们可以提供这种险别，但保险费率能稍高一些。Generally we cover insurance WPA and War Risk in the absence
18、of definite instructions from our clients. If you want to cover All Risks, we can provide such coverage at a slightly higher premium.,Chinese version of the letter,由于破碎险是一种特殊险别，必须收取额外保费。现行费率为0.7%。索赔赔偿只赔偿超过5%的那部分。 Breakage is a special risk，for which an extra premium will have to be charged. The pres
19、ent rate is about 0.7%. Claims are payable only for that part of the loss, that is over 5%.,Chinese version of the letter,关于保险价值，我们不能同意你方按发票金额150%投保的要求，因为合同规定保险是按按发票金额110%投保。 We cant grant you insurance coverage for 150% of the invoice value, because the contract stipulates that insurance is to be c
20、overed for 110% of invoice value.相信上述信息对你方会有帮助并等待你方进一步的消息。 We trust the above information will be helpful and await your further news.Yours truly,one condition seller buy, buyer pay,Paragraph One: identifying the reference Paragraph Two: informing the buyer that they have effected insurance for buye
21、rs account Paragraph Three: the closing sentence of the letter,Chinese version of the letter,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保险，费用由你方自理。 We have received your letter dated 23 July requesting us to effect insurance on the captioned shipment for your account,Chinese version o
22、f the letter,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。 We are pleased to inform you that we have covered the above shipment with the Peoples Insurance Company of China against All Risks for $ 9,800. The policy is being prepared accordingly and will be sent to you b
23、y the end of this week together with our debit note for the premium.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，,Translation,如果没有你们的明确指示，我们将按一般惯例投水渍险和战争险。 we cover insurance WPA and War Risk according to the usual terms in the absence of definite instructions from our clients,Practice Lessons,Complete
24、the sentences with the appropriate words given below：,Please against All Risks.,This insurance policy us against TPND.,We will 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 lette
25、r 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,cover,covered,covering,Practice Lessons,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 u
26、s 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 necessary cover.,Regarding insurance, the is for 110% of invoice value up to the port of destination.,cover， covered， covers， covering， coverage， insure， insurance，
27、 effected,covering,covered / effected,coverage / insurance,effected / covered,insurance,coverage,Practice : the letter should include the following points,1. 感谢对方七月十二日来函，当中按CIF条件报来500公吨肠衣Intestine Casing。但是我方只愿接受CFR的报价。 2. 告知对方我方已向伦敦劳埃德保险公司the Lloyd Insurance Company办理了预约保险。一旦对方货物一经装运，只需将这一细节通知他们即可。
28、 3.告知对方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。 4. 希望对方能够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。,key for your reference,Dear Sir,We thank you for your letter of July 12, quoting us 500 metric tons of Intestine Casing on CIF terms. With regard to this transaction, however, we prefer to have your offers on CFR ter
29、ms.For your information, we have taken out an open policy with the Lloyd Insurance Company, London. When a shipment is made we shall inform the company of the particulars for certain. Furthermore, we usually receive from our underwriters quite a handsome premium rebate at regular intervals.In the me
30、antime, would you please supply us with full details regarding the scope of coverage handled by the Peoples Insurance Company of China for our reference?We look forward to hearing further from you at an early date.Yours faithfully,Write a letter to tell the exporter that eight typewriters under orde
31、r No.4567 were damaged. Request the exporter to file claim against insurance company and deliver eight replacement typewriters.,Specimen letters,Dear sirs,When the S.S. “Prince” arrived at Singapore on 16 June, it was noticed that one side of case No.7 containing the “Fish” Typewriters was split. We
32、 therefore had the case opened and the contents examined by a local insurance surveyor in the presence of the shipping,companys agents. The case was invoiced as containing ten typewriters, eight of which were badly damaged.We enclose the surveyors report and the shipping agents statement. As you hol
33、d the insurance policy we should be grateful if you would take the matter up for us with the insurers.,Eight replacement typewriters 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.Yours faithfully,
