Unit-10-Insurance

1、Company Name Unit 10 InsuranceIntroduction：l 在國際貿(mào)易中，從買方到賣方的貨物運輸總是在國際貿(mào)易中，從買方到賣方的貨物運輸總是路途遙遠，或空運、或陸運、或海運，還必須路途遙遠，或空運、或陸運、或海運，還必須經(jīng)過裝貨、卸貨、倉儲。在這一切過程中，貨經(jīng)過裝貨、卸貨、倉儲。在這一切過程中，貨物十分有可能遇到各種各樣的危險和受到損失。物十分有可能遇到各種各樣的危險和受到損失。為了保護商品在萬一發(fā)生危險時不受損失，買為了保護商品在萬一發(fā)生危險時不受損失，買方或賣方在貨物運輸之前就向保險公司為運輸方或賣方在貨物運輸之前就向保險公司為運輸途中的商品投保。途中的商品

2、投保。NoImageThere are all kinds of risks in international trade. Insurance is necessary as it transfers them to the insurance company. insured: 被保險人 insurer/underwriter：保險人，保險商premium：保險費 NoImageInsurance in international trade mainly refers to marine / maritime (cargo) insurance as the majority of in

3、ternational goods are delivered by sea. perils of sea: 海上風(fēng)險 average: 損失，特指海損 海上風(fēng)險海上風(fēng)險Perils of the Sea外來風(fēng)險外來風(fēng)險Extraneous Risks自然災(zāi)害自然災(zāi)害Natural Calamity意外事故意外事故Fortuitous accidents一般外來風(fēng)險一般外來風(fēng)險General Extraneous Risks特殊外來風(fēng)險特殊外來風(fēng)險Special Extraneous(一）風(fēng)險RisksLosses（二）損失（二）損失Losses海上損失海上損失Perils of the Se

4、a其他損失其他損失全部損失全部損失Total Loss實際全損實際全損 Actual Total Loss推定全損推定全損 Constructive Total Loss部分損失部分損失Partial Loss共同海損共同海損 General Average 單獨海損單獨海損 Particular Average一般外來損失一般外來損失特殊外來損失特殊外來損失NoImage（三） coverage: 險別 The contract of insurance is made in the form of an insurance policy or insurance certificate.

5、coverage: 險別 amount insured: 投保的金額 NoImageRisks to be covered the Institute of London Underwriters: 英國倫敦保險業(yè)者協(xié)會 The Institute Cargo Clauses (ICC): 協(xié)會貨物條款 China Insurance Clause (CIC): 中國保險條款 Ocean Marine Cargo Clauses: 海洋貨物運輸保險條款NoImage1.There are three principle perils under Ocean Marine Cargo Claus

6、es: FPA (Free from Particular Average) 平安險; WA or WPA (With Average or With Particular Average) 水漬險; A/R (All Risks) 一切險. There are two additional risks: General Additional Risks 一般附加險 Special Additional Risks 特別附加險NoImage2.General Additional Risks 1.Theft, Pilferage and Non-delivery (TPND) 偷竊、偷竊、提貨

7、不著險提貨不著險 2.Freshwater and Rain Damage 淡水雨淋險淡水雨淋險 3.Risk of Shortage 短量險短量險 4.Risk of Intermixture and Contamination 混雜、混雜、玷污險玷污險 5.Risk of Leakage 滲漏險滲漏險NoImage6.Risk of Clashing and Breakage 碰損破碎險碰損破碎險 7.Risk of Odor 串味險串味險 8.Damage Caused by Sweating and Heating 受潮、受潮、受熱險受熱險 9.Hook damage 鉤損險鉤損險 1

8、0.Loss and / or Damage Caused by Breakage of Packing 包裝破裂險包裝破裂險 11.Risk of Rusting 銹損險銹損險 NoImage3.Special Additional Risks There are 8 special additional risks. 1.Failure to Deliver Risk 交貨不到險交貨不到險 2.Import Duty Risk 進口關(guān)稅險進口關(guān)稅險 3.On Deck Risk 艙面險艙面險 4.Rejection Risk 拒收險拒收險 5.Aflatoxin Risk 黃曲霉素險黃曲霉

9、素險NoImage6.War Risk 戰(zhàn)爭險戰(zhàn)爭險 7.Strike Risk 罷工險罷工險 8.Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong, Including Kowloon, or Macao 出口貨物到香港（包括九龍出口貨物到香港（包括九龍在內(nèi)）或澳門存?zhèn)}火險責(zé)任擴展條款在內(nèi)）或澳門存?zhèn)}火險責(zé)任擴展條款 l Textl Structure l Sentence Patternsl ExercisesNoImage（四）（四）Insurance Clause in the Sales

10、Contract The insurance clause in the sales contract covers several aspects: the party who is to arrange the insurance, risks to be covered, the amount to be insured and so on.NoImageExamples of insurance clauses in the sales contract FOB Insurance: To be covered by the Buyer. CIF Insurance: To be co

11、vered by the Seller for .% of the total invoice value against , as per and subject to the relevant ocean marine cargo clauses of the Peoples Insurance Company of China, dated 1/1/1981. DES Insurance: To be effected by the Seller.（五）（五）Issues of making an insurance claim ，If the goods arrive in damag

12、ed condition,*written protest書面抗議 *make notations 批注，記錄 short-landed memo 貨差證明，短缺證明書 *retain保留 seals封箱條 tallyman理貨員，點貨員 tally sheet理貨單 tally company 理貨公司 *claim settling agent 理賠代理人l A letter of insurance is structured in three main parts as follows:1.The first paragraph is to express thanks for the

13、 previous letter of insuring the goods and make confirmation of goods insured.2.The second part consists of more than one paragraphs if needed,and state the details of insurance concisely but completely.3.At last,the letter finishes with a hope for a timely reply.NoImageSpecimen Letter 1：Urging Insu

14、rance Dear Sirs Thank you for your letter of June 28, in which you inquired about the insurance of your Order No. 447. Generally speaking, if goods are sold on CIF basis, as it is in your case, we insure goods against All Risks for 110% of the invoice value. Should the buyer require broader coverage

15、, the extra premium is for buyers account. NoImageWe would like to inform you that there are three principle perils under the Ocean Marine Cargo Clauses of the Peoples Insurance Company of China dated January 1, 1981: FPA (Free from Particular Average), WA or WPA (With Average or With Particular Ave

16、rage), and A/R (All Risks). A/R is the broadest form of coverage, which covers all risks of loss of or damage to the insured goods whether partial or total, arising from external causes in transit.The insurance terminates when the goods reach the consignees warehouse at the destination named in the

17、policy. It is limited, however, to sixty days after completion of discharge of the insured goods from the seagoing vessel at the final port of discharge before they reach the above-mentioned warehouse or place of storage. PICC enjoys high reputation in settling claims promptly and equitably. It has

18、agents in almost all major cities and ports all over the world to handle claims. It will be very convenient to file claims against the loss of or damage to the goods with the insurance agent at your end. NoImageIn case of the claim, the insured is required to submit the following documents: *Origina

19、l Policy or Certificate of Insurance *Original or copy of B/L *Packing List and Invoice*Certificate of Loss / Damage, or Short-landed Memo, and Survey Report *Statement of ClaimsNoImagePlease feel free to contact us again if you have any further questions or you may contact the agent of PICC at your

20、 end at (phone number, followed by the address). Yours faithfully l Insure vt. 保險，投保 insure with an insurance company insure with an insurance company insure for sb. sth. insure for sb. sth. insure sb. on sth.insure sb. on sth.insure goods against (risk) for 110% of insure goods against (risk) for 1

21、10% of the invoice value: the invoice value: 按照發(fā)票價格的按照發(fā)票價格的110%110%投投保保（險別）（險別）insure sb. against為某人投保為某人投保險險l Most of our buyers do not want to insure against the Risk of Breakage for this article. 對這種商品，大多數(shù)買主都不投保破碎險。l Please insure against All Risks for (at) 10% over (above) the total invoice valu

22、e. 請按發(fā)票總金額的110%投保一切險。l We have insured W.P.A. and against War Risk at 110% of the invoice cost (value, amount). 我方已按發(fā)票金額的110%投保水漬險及戰(zhàn)爭險。l Insurance n.1.effect / provide / arrange / cover insurance 1.effect / provide / arrange / cover insurance We think it simpler to have the insurance taken We think

23、it simpler to have the insurance taken care of by you. care of by you. 2.2.保險費，保險金，保險額保險費，保險金，保險額 He has 50,000 fire insurance on the house.He has 50,000 fire insurance on the house.insurance clause insurance amountinsurance claim insurance coverageinsurance policy insurance premiuml 辦理保險的表達法辦理保險的表達

24、法: to arrange insuranceon the goods againstrisk for 110% of invoice value with the insurer與保險商就與保險商就貨物貨物按發(fā)票金額的百分之十投保按發(fā)票金額的百分之十投保險險 l 說明保險情況，說明保險情況， insurance后接介詞的一般用法后接介詞的一般用法表示所保的貨物，后接表示所保的貨物，后接on,insurance on the 100 metric tons of wool表示所投的險別，后接表示所投的險別，后接against,insurance against All Risksinsuran

25、ce WPA, insurance FPA表示保額表示保額,后接后接for,insurance for 110% of the invoice value表示保險費或保險費率表示保險費或保險費率,后接后接at insurance at a slightly higher premium, insurance at the rate of 5%表示向保險公司投保，后接表示向保險公司投保，后接with insurance with the Peoples Insurance Company of China We have covered insurance on the 100 metric t

26、ons wool for 110% of the invoice value against All Risks.l cover v. n.cover: insure cover: insure 投保，給投保，給保險保險 1.vt. 1.vt. Please cover the goods With Particular Average. Please cover the goods With Particular Average. to cover insurance 辦理保險辦理保險 to hold sth covered2.n. 2.n. 保險，保險單，保險責(zé)任保險，保險單，保險責(zé)任 c

27、over subject to franchise cover subject to franchise scope of cover scope of cover 保險責(zé)任范圍保險責(zé)任范圍 coveragecoverage：n. n. 承保范圍，保險險別承保范圍，保險險別 We are glad to say we can provide such coverage.We are glad to say we can provide such coverage.l for 110% of the full invoice value for 10% above invoice value a

28、t invoice value plus 10%l Consignments &shipments都有都有“貨物貨物”的意思的意思1.The consignment / shipment of machines has arrived in perfect condition. 2.We would like to have the goods shipped in two consignments / shipments / lots.Shipment 有裝運的意思，有裝運的意思，consignment 沒有沒有例：例：will you effect shipment next month?

29、Consignment 有寄售的意思，有寄售的意思，shipment 沒有沒有例：例：ln accepting our offer of goods on consignment,you assume no risks.l for ones account 由支付,負責(zé) for the account of to be borne by to be responsiblel per prep.1.每每The above mentioned article in quoted at US$10.00 per CFR San Francisco.2.通過，由通過，由We have the plea

30、sure to inform you that the shipment per S.S. “Fengching” has gone forward and hope that it will arrive at the destination in perfect condition.3.as per 按照按照We have insured your shipment of 5,000 sets of “Butterfly” Sewing Machines shipped from Shanghai for New York, as per the policy enclosed.l Spe

31、cimen Letter 2:Dear SirsRe:Our Order No.1003,Your Sales Contract No.100 Covering 500 Cases Toys We wish to refer you to our Order No. 1003 for 500 cases of Toys,from which you will see that this order was placed on a CFR basis. As we now desire to have the shipment insures at your end, we shall be m

32、uch pleased if you will kindly arrange to insure the same on our behalf against All Risks at invoice value plus 10%, i.e. US$ 2,200.00. We shall of course refund the premium to you upon receipt of your debit note or,if you like, you may draw on us at sight for the same. We sincerely hope that our re

33、quest will meet with your approval. Yours trulyl Specimen Letter 3:Dear SirsRe:Our Order No.1003,Your Sales Contract No.100 Covering 500 Cases Toys This is to acknowledge receipt of your letter dated Nov. 15, 2007, requesting us to effect insurance on the captioned shipment for your account. We are

34、pleased to confirm having covered the above shipment with the Peoples Insurance Co. of China against All Risks for US$ 2,200.00. The policy is being prepared accordingly and will be forwarded to you by the end of the week together with our debit note for the premium. For your information, this parce

35、l will be shipped on s/s “Jinan”, sailing on or about the 11th next month. Yours trulynote n. 票據(jù)，通知單票據(jù)，通知單l We are pleased to allow you an additional 90 days to pay your note dated March 20. 關(guān)于貴方3月20日帳單，我方樂意再給予90天付款的寬限。Insurance instructions Dear: Please insure us against all risks US$100,000, value

36、 of 5,000 sets of “Butterfly” Sewing Machines shipped at Shanghai, on board S.S. “Fengching”, sailing for New York on May 20th. Please send us the policy, together with a note for the charges. Sincerely,l 請為我方5000臺蝴蝶牌縫紉機投保價值100000美元的一切險。該批貨物已在上海港裝上“風(fēng)慶”輪，于5月20日運往紐約港。請寄來保險單及所需費用單據(jù)。insure sb. against為某

37、人投保為某人投保險險l We have insured W.P.A. and against War Risk at 110% of the invoice cost (value, amount). 我方已按發(fā)票金額的110%投保水漬險及戰(zhàn)爭險charge (s) n. 費用（在具有費用（在具有“否定否定”、“單項單項”的含義或的含義或其他習(xí)語中，常用單數(shù)）其他習(xí)語中，常用單數(shù)）l That can be arranged provided you bear the additional charges. 如貴方負擔(dān)增加的費用，那就能安排照辦。l We shall send you the

38、samples free of (without) charge. 我方將免費寄送這些樣品。l If you require individual packing for the Gloves, there will be a charge of USD 500 in all. 如貴方需要手套一副一副地包裝，總共還要一筆500美元的費用。note n. 票據(jù)，通知單票據(jù)，通知單l We are pleased to allow you an additional 90 days to pay your note dated March 20. 關(guān)于貴方3月20日帳單，我方樂意再給予90天付款的

39、寬限。Insurance advice Dear: Regarding your instructions dated May 8, we have insured your shipment of 5,000 sets of “Butterfly” Sewing Machines shipped from Shanghai on board S.S. “Fengching”, sailing for New York on May 20th, as per the policy enclosed. Please remit US$1,200 to our account for this p

40、olicy by bank check. Sincerely,l 現(xiàn)答復(fù)貴方5月8日指示，我方已為貴方5000臺蝴蝶牌縫紉機投了保，如所附保單所示。該批貨物是在上海港裝上“風(fēng)慶”輪；于5月20日運往紐約港。請將此保單所需1200美元匯入我方帳戶。remitinto ones account 將將匯入某人的帳戶匯入某人的帳戶l We shall remit USD 500 into your account upon receipt of the samples. 收到樣品后，我方就把500美元的貨款匯入貴方帳戶。l Please send documents to us direct and

41、we will remit. 請將單據(jù)直接寄來，貨款由我方匯去。Insurance coverage Dear: In reply to your letter of September 4 regarding insurance: Your customers request for insurance coverage up to the inland city is acceptable on condition that such extra premium is for his account. Second, we cannot grant you insurance covera

42、ge for 150% of the invoice value, because the contract stipulates that insurance is to be covered for 110% of invoice value. We trust the above information serves your purpose. Meanwhile we await your reply. Sincerely,In reply to 答復(fù)答復(fù) l In reply to your letter of September 4 regarding insurance: 現(xiàn)答復(fù)

43、貴方9月4日有關(guān)保險來函：l Your customers request for insurance coverage up to the inland city is acceptable on condition that such extra premium is for his account. 貴方客戶保險范圍擴大至內(nèi)陸城市的要求已被接受，條件是額外費用由貴方承擔(dān)。coverage n. 承保險別（總稱），保險范圍；投保額承保險別（總稱），保險范圍；投保額l We want a policy with a more extensive coverage. 我方需要范圍較廣泛的保險單

44、。l Regarding insurance, the coverage is for 110% of the invoice value up to the port of destination. 關(guān)于保險，按110%的發(fā)票金額投保，至目的港為止。on (upon) (the) condition that 在在條件下，如果條件下，如果l We can load the cargo on S/S “PEACE” on or about May 15 on condition that you will open relative L/C in good time. 如貴方及時開出有關(guān)信用證

45、，我方則能在5月15日及其前后將貨裝上和平號輪。l We accede to your proposal on condition that your L/C (should) reach us not later than September 15. 如貴方信用證不遲于9月15日到達，我方就同意貴方建議。premium n. 保險費；溢價，額外價錢保險費；溢價，額外價錢l The additional insurance premium is for the buyers account. 額外保險費由買方負擔(dān)。l The tin ingots with Sen. content highe

46、r than 99.85% are sold with a premium. 含錫量超過99.85% 的錫錠，出售時有溢價。for (on) ones account 由由支付，為支付，為緣故緣故l The additional charges will be for buyers account. 附加費用由買方負擔(dān)。l We do not feel able to make purchases on (our) own account. 我方不能自負盈虧來購置這些貨物。l Second, we cannot grant you insurance coverage for 150% of

47、the invoice value, because the contract stipulates that insurance is to be covered for 110% of invoice value. 第二，我方不能同意按發(fā)票金額150%投保，因為合同規(guī)定保險按發(fā)票金額110%投保。l We trust the above information serves your purpose. Meanwhile we await your reply. 我方相信以上所述符合貴方的要求并等候貴方答復(fù)。serve v. 符合，適合符合，適合l We trust the above i

48、nformation will serve your purpose. 我方相信上列信息適合貴方需要。 Insurance Policyl Policy No. 118765 This is to certify that this Company has insured on behalf of China National Light Industrial Products Import & Export Corp., Shanghai Branch. The sum of US dollars One Hundred Thousand only. Upon Five Thousand s

49、ets “Butterfly” Sewing Machines. At & from Shanghai to New York. Ship or vessel: S.S. “Fengching”. Sailing on or about May 20th, 2001. Covering All Risks. In the event of damage, it will be surveyed by the Johnson Survey Co. and claims are payable at Shanghai. This policy is issued in duplicate at S

50、hanghai on the 7th day of May in the year two thousand and one.l This is to certify that this Company has insured on behalf of China National Light Industrial Products Import & Export Corp., Shanghai Branch. 茲證明本公司代表中國輕工產(chǎn)品進出口公司，上海分公司辦理了保險。This is to certify that茲證明茲證明（多用于（多用于句首）句首）l This is to certi

51、fy that we, the undersigned, have inspected/tested the quality of the above-mentioned goods and found the result as follows: 茲證明所列商品，其品質(zhì)經(jīng)我方檢驗，結(jié)果如下：on (in) behalf of on ones behalf 代表，為了代表，為了l We wish to thank you on behalf of the endusers. 我方愿代表用戶向船主致謝。l Please claim on our behalf against the ship o

52、wners who are evidently responsible for this loss. 顯然，船主要對這一損失負責(zé)，請代表我方向船主提出索賠。l The sum of US dollars One Hundred Thousand only.l Upon Five Thousand sets “Butterfly” Sewing Machines.l At & from Shanghai to New York.l Ship or vessel: S.S. “Fengching”.l Sailing on or about May 20th, 2001.l Covering Al

53、l Risks.l 金額100000美元整l 保5000臺蝴蝶牌縫紉機l 自上海至紐約港l 船名：“風(fēng)慶”號輪l 于2001年5月20日前后啟航l 投一切險only 整整l Total amount: US$ 140,000 (Say U.S. Dollars one hundred and forty thousand ONLY)l In the event of damage, it will be surveyed by the Johnson Survey Co. and claims are payable at Shanghai. 如（貨物）發(fā)生損失，由Johnson調(diào)查公司調(diào)查，

54、在上海賠付。in the event of 倘若，如果發(fā)生倘若，如果發(fā)生l In the event of US$ 2.80 being the correct wholesale price, please indicate the new retail price. 如正確的批發(fā)價為2.80美元，請說明新的零售價是多少。l This policy is issued in duplicate at Shanghai on the 7th day of May in the year two thousand and one. 此保單一式兩份，2001年5月7日于上海簽發(fā)。1. to ins

55、ure W.P.A (F.P.A) 投保水漬險（平安險）投保水漬險（平安險）l Please insure F.P.A at your end. 請在貴處投保平安險。l We generally insure W.P.A on C.I.F sales. 按CIF價出售的貨物，我們一般投保水漬險。Sentence Patterns2. to insure (cover) against 投保投保險險l Please cover the goods against War Risks. 請將貨物投保戰(zhàn)爭險。l We have insured the goods F.P.A and against

56、All Risks. 我們已將貨物投保平安險和一切險。Sentence Patterns3. to arrange (effect, cover, take out) insurance 投保投保l As our order was placed on a CIF basis, the insurance is to be arranged by you. 由于我方是按CIF價訂貨的，應(yīng)由你方投保。l We will effect insurance on your behalf. 我方愿代貴方投保。l Have you taken out insurance for us on these

57、goods? 貴方是否已代我方對此貨物投保？Sentence Patterns4. to cover (insure) sb. on sth.l Please insure us on the following goods. 請為我方投保下列貨物。Sentence Patterns5. to insurefor按按金額投保金額投保l We shall insure the goods for 110% of the invoice value. 我方將按發(fā)票金額110%投保此貨物l We wish you to insure the goods for the invoice value p

58、lus 10% 我方希望貴方按發(fā)票金額加10%投保。Sentence Patterns6. to insure with向向投保投保l We usually insure with the Peoples Insurance Company of China for the goods sold on CIF basis. 我方一般對按CIF價出售的貨物向中國人民保險公司投保。l Insurance is to be effected by the sellers against All Risks for 110% of the invoice value with the Peoples

59、Insurance Company of China. 由賣方按發(fā)票金額110%向中國人民保險公司投保一切險。Sentence Patterns7. to compensate for 賠償賠償l If any damage to the goods occurs a claim at your end, who will undertake to compensate for the loss sustained. 貨物如發(fā)生損壞，可向貴地的保險代理提出索賠。他們將賠償貴方遭受的損失。l We are sorry to learn that your goods were badly dam

60、aged during transit and the insurance company will compensate you for the losses accordingly to the coverage arranged. 我方很遺憾得知貴方貨物在途中嚴(yán)重受損。保險公司將按照投保險別賠償貴方損失。Sentence Patterns8. to issue an inspection certificate 簽發(fā)檢驗證明簽發(fā)檢驗證明l We enclose an inspection certificate issued by the Beijing Commodity Inspec