1、Unit twelve Insurance,The purpose of insurance to provide compensation for those who suffer from loss or damage. It is a contract of indemnity,General of Insurance,对外贸易的运输保险是指：被保险人（出口人或进口人）对一批或若干批货物向保险人按一定金额投保一定的险别，并交纳保险费；保险人承保后,如果所保货物在运输途中发生约定范围内的损失，应按照它所出具的保险单的规定给予被保险人经济上的补偿 保险公司接受投保的险别，费率及条款内容往往因
2、客观条件的变更而有所变更或修改。因此，要针对货物的性质，运输条件和理陪范围的情况，选择必要的险别投保，这样既可节省开支，又可避免因风险而引起的损失,对于FOB ,CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。对于CIF交易，习惯上由出口方按发票金额（invoice value）的110%投保一切险（all risks）,即100%是CIF发票总值，10%是合理的利润和其它费用。有时，进口方要求投保的金额会超过110%，此时，额外保险费应由进口方承担（for the buyers account）。,一旦投保货物在运输中发生投保险别范围内的损失，须向保险公司或其代理人立即提出保险索
3、赔（insurance claim）。为了落实货物的正常索赔，保险索赔时需提交以下文件：保险单（insurance policy）或保险凭证(insurance certificate)、提单(bill of lading)、原始发票(original invoice)、检验报告(survey report)、船长声明书(masters protest)和索赔报告书(statement of claim)等。,Basic coverage,FPA: Free From Particular Averagea limited form of cargo insurance cover under
4、 which no partial loss or damage is recoverable. It only provides coverage for total losses and general average emerging from the actual “marine perils” like vessel being stranded, grounded or sunk.,WPA: With Particular Average WA: With Averagea wider cover than FPA. It provides extensive cover agai
5、nst all losses or damage due to marine perils throughout the duration of the policy, including partial loss or damage which may be attributed to natural calamities like heavy weather.,All risks:the most comprehensive of the three basic coverage under which the insurer is responsible for all total or
6、 partial loss of, or damage to the goods insured either arising from sea perils or general external causes.,投保时，通常选择平安险FPA （Free From Particular Average） ，水渍险WPA （With Particular Average）或一切险All Risks三种基本险别的一种。然而，加保其它特殊附加险别也是必要的。 其它附加险险别： Theft, Pilferage & Non-Delivery Risks (T.P.N.D)偷窃提货不着险 Fresh
7、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 Odor Risk串味险,Sweating & Heating Risks 受潮受热险 Hook Damage Risk 钩损险 （Rust Risk 或 Risk of Rust 锈损险 Breakage of Packing
8、Risk 包装破裂险War Risks 战争险，它是特殊附加险之一，其它常见的特殊附加险有： Strikes，Riots and Civil Commotions (缩写为S.R.C.C Failure to Delivery Risk 交货不到险 Import Duty Risk 进口关税险 Rejection Risk 拒收险 Aflatoxin Risk 黄曲霉素险 On Deck risk 舱面险,相关的表达法： insurer保险人；保险商/ underwriters n.保险人；保险商 insurance company保险公司 underwriter保险商 the insured
9、被保险人；投保人 insurant被保险人；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,premium rebate保险费回扣 premium tariff保险费率表 extra premium额外保险费 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 certif
10、icate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；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,Words and
11、 Expressions,to effect insurance 投保 to provide insurance to take out insurance to cover insurance to arrange insurance on the goods against risk for 110% of invoice value with the insurer与保险商就货物按发票金额的百分之十投保险,1.表示所保的货物，后接 on，如： insurance on the 100 ton of wool。 2. 表示投保的险别,后接 against。如： Insurance agai
12、nst all risks 3. 表示保额,后接for , 如 insurance for 110 of the invoice value 说明情况时，insurance后介词的用法： 4. 表示保险费或费率， 后接at，如：insurance at a slightly higher premium，insurance at the rate of 5 5. 表示向某保险公司投保，后接with， 如：insurance with PICC We have covered insurance on the 100 metric tons of wool for 110%of the invo
13、ice value against all risks,expressions,We shall cover TPND on your order. The goods are to be insured against leakage. How do you cover insurance? This insurance policy covers us against All Risks. We usually insure against All Risks for 10% above the invoice value. We know that according to your u
14、sual practice, you insure the goods only for 10% above invoice value, therefore, the extra premium will be for our account.,In the absence of definite instruction from our clients, we generally cover insurance against WPA and War risk; if you desire to cover FPA, please let us know in advance. Shoul
15、d the damage be incurred, you may, within 60 days after the arrival of the consignment, file a claim with the insurance company. We shall provide such insurance at your cost.,We have covered insurance on the 100 metric tons of wool for 110% of the invoice value against risks. The insurance covers on
16、ly WA and war risk. If additional insurance coverage is required, the buyer is to bear the extra premium. Our quotation is on CIF basis. If you prefer to have the insurance to be covered at your end, please let us know so that we may quote you CFR prices. We request you to extend the insurance cover
17、age to include leakage.,If any damage to the goods occurs, a claim may be filed with the insurance agent at your end, who will undertake the compensation for the loss sustained. In the light of the actual findings, they will compensate you for the loss according to the provisions of the insurance co
18、mpany. As our insurance company is a state-owned 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 effected by us.,Dear Sirs,Regarding S/C No. 250 covering cotton cloths, we would like to inf
19、orm you that we have established with the Bank of China a confirmed, irrevocable L/C No. 321 amounting to stg. 20,00 with validity until 21st May.Please see to it that the above-mentioned goods are shipped before 21st May and insured against all risks for 110% of the invoice value. We know that acco
20、rding to your usual practice, you insure the goods only for full invoice value. Therefore, the extra premium will be for our account.Please arrange the insurance as requested and send us your shipping advice.Sincerely,Letter-1,Have insured at your end 让你方为所订货物投保 to insure the goods against All Risks
21、投保一切险Please insure FPA. 请投保平安险。We have insured the goods WPA.请给这些货物投保水渍险。 at invoice value plus 10%按发票价值另加10%for 110% of invoice value按发票金额的110%for 10% above invoice value在发票价值上加10%,insured goods投保货物 the insured 被保险人 insured amount保额 insured cargo投保货物,.debit note 借方通知；索款通知单 debit v.把记入借方 debit an am
22、ount to 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。,for ones account 由支付 类似的表达法还有： for ones account /to be borne by/ to be responsible
23、 The extra freight is to be for buyers account. 额外运费由买方负担。 We bought the goods for the account of our branch office. 这批货物是我们代我分公司购买的。 As a rule, the extra premium involved will be for buyers account. 按常规，额外保险费应由买方负责。,Cover 1 V. 保险， 投保 后可接所保的货物、投保的险别、 和被保险人。 to cover insurance办理保险 to hold sth covered
24、办理保险We shall cover the goods against all risks. We shall cover all risks and war risk for you.This insurance policy covers us against breakage.Insurance is to be covered by the buyers.保险将由买方办理。,2 n. 保险 degree of cover保险范围 extent of cover保险范围 We have arranged the necessary insurance cover. 我们已办理了必要的保
25、险。 coverage n. 承保范围；险别总称 insurance coverage保险范围 W.P.A. coverage is too narrow for a shipment of this nature. Please extend the 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。,Exercise II: cloze,Insurance, that, CIF, is, and, of, you, risks, Ocean, the, China, on, extra, by, mentioned, in, R
26、isks, necessary, You, the, China, equitable, there, be, take, in, arrival, the, to, damage, for, as, in, trouble,1. Please see to it that the above-mentioned goods are to be shipped before 15th June and insured against All Risks for 150% of the invoice value. We know that according to your usual pra
27、ctice, you insure the goods only for 110% of the invoice value, therefore, the extra premium will be borne by us.,2. An insurance claim should be submitted to the insurance company or its agent as promptly as possible so as to provide the insurance company or its agent with ample time to pursue reco
28、very from the relative party at fault.,3. we regret to inform you that Case No.8 was invoiced as containing 10 type writers, eight of which were badly damaged upon arrival. We enclose an inspection certificate issued by the Shanghai Commodity Inspection Bureau and the shipping agents statement and h
29、ope that no difficulty will arise in the settlement of our above claim amounting to US$3,ooo.oo.,4. In the absence of your definite instructions regarding insurance, we covered your ordered goods against W.P.A. for 110% of the invoice value according to our usual practice.,If you desire to cover you
30、r goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.,6. Should any damage be incurred, you may, within 30 days after the arrival of the consignment at the port of destination, approach the insurance agents, at yo
31、ur end and file your claim with them supported by a survey report.,If the goods after arrival at the port of destination, are to be transported immediately to an inland city or other port, we may cover the inland insurance on your behalf and debit you with the additional premium.,Translate the follo
32、wing into English,1. 请将这批货投保水渍险。 2. 我们可以应你方要求,按发票价的百分之三十投保, 但必须请你方注意: 额外的保险费用应由你方负担。 3. 一旦货物发生损失, 你方可以在货物到达六十天内,向保险公司提出索赔。 4. 除水渍险与战争险之外，你们的保险公司还保其它险吗？ 5. 并不是所有的破碎险都是属于单独海损。只有由于自然灾害和意外事故所造成的破碎，才属于单独海损。,1. Please insure the shipment W.P.A. 2. We may insure at invoice value plus 30% as you requested,
33、but have to remind you that extra premium should be borne by you. 3. Should any damage be incurred, you may, within 60 days after the arrival of the consignment, file a claim with the insurance company. 4. Does your insurance company cover risks other than W.P.A. and War Risk? 5. Not every breakage is a particular average. It is a particular average only when the breakage results from natural calamities, or maritime accidents.,
