1、ENGLISH FOR BUSINESS COMMUNICATION,外贸英语函电安徽财贸职业学院 旅游管理系 谢峰,Chapter 10 Insurance,Learning Objectives,To know the definition of insurance. To grasp the steps of writing a letter about insurance. To master the vocabulary and useful sentences of insurance.,Introduction - Insurance,Insurance is a rather
2、complicated subject. The purpose of insurance is to provide protection for those who suffer from loss or damage. In other words, it is a contract of indemnity, a contract to restore to someone, either the full amount of the loss or a specified percentage of the amount of the loss.,Introduction - Ins
3、urance,Classification of insurance (1) Risks at sea: a. Perils of sea b. Extraneous risks (2) Ocean marine cargo insurance coverage: Basic insurance coverage: a. Free from Particular Average, FPA b. With Particular Average, WPA c. All Risks, AR,Introduction - Insurance,Extraneous coverage: a. Genera
4、l Additional Risks: e.g. TPND, Rain Damage, Risk of Shortage, Breakage of Packing, Risk of Rust, b. Special Additional Risks: e.g. War Risk, Strikes Risk, Failure to Delivery, Rejection Risk, ,Introduction - Insurance,Development of insurance in history: (1) There are a great many insurance companie
5、s in the world. Lloyds is a famous organization incorporated in London in 1871. (2) The Peoples Insurance Company of China (PICC), established in 1949, is the sole state-owned insurance organization in China. (3) The PICC has its own insurance clauses: China Insurance Clauses (CIC), include Ocean Ma
6、rine Cargo Clauses dated 1 August, 1981, which is different from the Institute Cargo Clauses (ICC).,Introduction - Insurance,Types: Asking the exporter to cover insurance for the importer Type of coverage adopted Replying to the letter requesting excessive or canceling insurance,Letter for Insurance
7、,Letter 1 Taking out an open policy,Letter for Insurance,1. open policy预约保单 ，船名未确定保单 take out/effect an open policy with 与洽办预约保单 2. the Lloyd Insurance Company 劳埃德保险公司:十六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。1871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，拥有21000多个 保险商。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。,L
8、etter for Insurance,3. the particulars 细节；详细情况 the particulars of the full details of 的全部细节；的详细情况 4. underwriters n. 保险人；保险商 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 被保险人；投保人 assured 被保险人；投保人 applicant 投保申请人,Letter for Insurance,5. handsome adj. 相当大的；可观的 e
9、.g. a handsome sum of = a large amount of一笔可观的金额 6. premium n. 保险费 premium rebate 保险费回扣 premium tariff 保险费率表 extra premium 额外保险费 e.g. The premium is calculated according to the premium rate or rates for risks to be covered.,Letter for Insurance,Letter 2 Effecting insurance for the buyer,Letter for I
10、nsurance,1. 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 保险经纪人,Letter for Insurance,投保；办理保险的表达法: to arrange insuran
11、ce 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 to effect/ cover /provide/ take out insurance Cf. insure v. 保险 to insure the goods against a risk to insure a risk to insure against a risk,Letter for Insurance,Relative Expressions the insured 被保险人 insured
12、amount 保额 insured cargo 投保货物 insured goods 投保货物 e.g. Please insure against all risk. Please insure FPA. We have insured the goods WPA. We shall cover TPND on your order.,Letter for Insurance,2. for ones account 由支付 to be borne by to be responsible e.g. The extra freight is to be for buyers account.
13、We bought the goods for the account of our branchoffice. As a rule, the extra premium involved will be forbuyers account.,Letter for Insurance,3. cover v. /n. 保险 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 of cover 保险范围 e
14、.g.Insurance is to be covered by the buyers. We have arranged the necessary insurance cover. Our insurance coverage is for 110% of invoice value up to the port of destination only.,Letter for Insurance,4. debit note 借方通知；索款通知单 debit an amount to ones account = debit ones account with an amount把一笔金额记
15、入某人帐户的借方 e.g.His account with the Bank of China had been debited with the sum of $5 for half-yearly bank charges.,Letter for Insurance,Letter 3 Asking the recipient to cancel breakage risk,Letter for Insurance,1. detete v.删除；删去（后接from） e.g. Please delete the word “insurance certificate or policy” fr
16、om the L/C. 2. franchise 特许权；免赔率（在保险单内规定一个金额或百分比，凡保险责任范围内的损失超过规定数额时，保险公司赔偿全部损失。如果所受损失在规定范围内时，则不赔偿。） e.g. to grant a franchise toA franchise of 3% .,Letter for Insurance,Letter 4 Insurance company writes to the insured,Letter for Insurance,rate=insurance rate=premium rate 保险费率 Cf. at the rate of 15%
17、保险费率为15%,Letter for Insurance,Letter 5 Asking to cover insurance,Letter for Insurance,Letter 6 Arranging insurance,Letter for Insurance,herewith adv. =with this,“在此，随函”是商函、合同、法律文件等公函中使用的正式用语.这类正式用语还有由“there-”，“where-”构成的. e.g. herein =in this于此文therein = in that 在其中thereof =of that就此而言thereafter =af
18、ter that此后whereas = as which有鉴于whereby = by which由此;靠那个,Intake,1. We shall cover insurance for 110% of the invoice value in accordance with your request. 2. Please insure FPA ans against War Risk on the contract. 3. We shall cover WPA and War Risk according to the usual practice.,Input,4. The insura
19、nce policy covers us against Breakage. 5. 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.,Exercises,1.We thank you for your letter of March 25, requesting us to effect i
20、nsurance on the captioned goods for your _. A. cost B. amount C. account D. expense 2. We shall take _ insurance at this under our Open Policy. A. in B. out C. on D. at 3. Please effect insurance _ your side covering All Risks and War Risk? A. to B. for C. on D. with,Exercises,4. Id like to have the
21、 insurance _ for 130% of the invoice value. A. cover B. covered C. covering D. to cover 5. PICC stands _ the Peoples Insurance Company of _. A. for, Clause B. like, China C. by, Cargo D. for, China 6. Insurance is to be _ by the buyer if a transaction is concluded on FOB or CFR basis. A. covered B.
22、done C. made D. taken,Exercises,Dear Sirs, Your Order No.123 - 5,000 pcs. Gunny Bags We have received your letter of January 1, asking us to insure the _ goods for an amount of 30% above the invoice value. Although it is our usual practice to _ out insurance for the invoice value plus 10%, we are prepared to _ with your request for getting cover for 130% of the invoice value . But the extra _ will be for your _. Please take note of the above.Yours faithfully,
