國(guó)際商務(wù)英語(yǔ)函電Unit11Insurance

1、Chapter 12 InsuranceHomeworkDear Sirs,We are very pleased to inform you that we have shipped yourOrder No.573 covering 1,000 sets of MD Brand Microwave Stoveon board s.s.Long March, which is due to sail for your porttomorrow.We hope the above shipment will reach you in good time and inperfect condit

2、ion.Yours faithfully, Tom Questionsv1. How much do you know about insurance?v2. Why is it necessary to cover insurance in the foreign trade?v3. What do insurance companies do with the premium collected from the insured? life insurance Personal insurance health insurance (人身保險(xiǎn)) personal accident insu

3、rance marine insurance Property insurance cargo transportation insurance （財(cái)產(chǎn)保險(xiǎn)） and othersvIn international trade, the transportation of goods from the seller to the buyer is generally over a long distance by air, by land or by sea and has to go through the procedures of loading, unloading and stori

4、ng. vDuring this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses. vIn order to protect the goods against possible loss in case of such perils, the buyer or seller before the transportation of the goods usually applies to an insurance com

5、pany for insurance covering the goods in transit.vInsurance premium provides a pool or fund into which the many contribute and out of which the few who suffer loss are compensated.TermsvInsurer/underwriter: 保險(xiǎn)人/承保人vThe insured/ assured: 被保險(xiǎn)人vThe applicant:投保人vPremium 保險(xiǎn)費(fèi)vPremium rate 保險(xiǎn)費(fèi)率vInsurance

6、policy 保險(xiǎn)單vCoverage:險(xiǎn)別vAverage:海損vPICC:中國(guó)人民保險(xiǎn)公司一、保險(xiǎn)常識(shí) 1、貨物運(yùn)輸保險(xiǎn)定義 是指投保人（Insured）在貨物裝運(yùn)前向保險(xiǎn)人（Insurer）投保，即辦理保險(xiǎn)手續(xù)（Insurance Formalities）、選擇保險(xiǎn)險(xiǎn)別（Coverage）、確定保險(xiǎn)金額（Insurance Amount）、支付保險(xiǎn)費(fèi)（Premium）并領(lǐng)取保險(xiǎn)單證（Insurance Documents）的過程。此后，如果投保貨物在運(yùn)輸中遇險(xiǎn)而發(fā)生損失，則承保人應(yīng)負(fù)責(zé)對(duì)投保險(xiǎn)別范圍內(nèi)的損失進(jìn)行經(jīng)濟(jì)補(bǔ)償。 2、保險(xiǎn)險(xiǎn)別 中國(guó)人民保險(xiǎn)公司（PICC） 制定的中國(guó)保險(xiǎn)條款（C

7、hina Insurance Clauses略稱C.I.C.）中的海洋運(yùn)輸貨物保險(xiǎn)條款 平安險(xiǎn)（Free from Particular Average，F(xiàn)PA） 基本險(xiǎn)別 水漬險(xiǎn)（With Particular Average，WPA） 一切險(xiǎn)（All Risks） 一般附加險(xiǎn) 附加險(xiǎn)別 特殊附加險(xiǎn)（War Risks） 3、保險(xiǎn)金額 1）FOB和CFR交易，由進(jìn)口方對(duì)貨物投保、辦理投保手續(xù)并支付保險(xiǎn)費(fèi)用。 2）CIF交易，習(xí)慣上由出口方按發(fā)票金額（Invoice Value）的110%投保一切險(xiǎn)（All Risks），即100%是CIF發(fā)票總值，10%是合理的利潤(rùn)和其他費(fèi)用。4、保險(xiǎn)費(fèi) p

8、remium 通常為保險(xiǎn)金額的一定比例。 保險(xiǎn)費(fèi)=保險(xiǎn)金額保險(xiǎn)費(fèi)率Risks Covered by Marine Cargo InsurancevPerils of the Sea 海上風(fēng)險(xiǎn)1) Natural Calamities （自然災(zāi)害）earthquake, tsunami, flood, heavy weather such as hurricane, thunderstorm, etc.2) Fortuitous Accidents （意外事故）Stranding觸礁，grounding擱淺, sunk, collision, fire, explosionvExtraneous

9、 Risks 外來風(fēng)險(xiǎn)1) General Additional Riskstheft, pilferage, rain damage, shortage, breakage, leakage, etc.2) Special Specific Additional Risksstrike, war, failure to deliver, etc.Losses1. Losses due to Marine Perils 海上損失海上損失 actual total loss（實(shí)際全損） total loss constructive total loss（推定全損） general averag

10、e（共同海損） partial loss particular average（單獨(dú)海損）2. Losses due to Extraneous Risks 外來?yè)p失外來?yè)p失vActual total loss: it means the non-existence of the insured cargo in value.vConstructive total loss: its unlikely to recover the subject matter or the cost of recovery will exceed the value of the subject matter

11、.vParticular average: it means a loss that is borne solely by the owner of the lost property(ship or cargo).vGeneral average: it means a sacrifice made for the common safety of both the cargo and the ship.ExamplevPartial damage of cargo by sea water is, for instance, a particular average, while part

12、ial damage of cargo by water that has been used to put out a fire is a general average since the damage has been made in order to save both the ship and the cargo on board the ship of all the cargo owners.(of course, the damage caused by the fire is still a particular average)Three Basic Coveragesv

13、F.P.A. : 平安險(xiǎn)v W.P.A.: 水漬險(xiǎn)v All Risks: 一切險(xiǎn)Note: All Risks W.P.A. F.P.A.F.P.A. 平安險(xiǎn)vFree from Particular Average(F.P.A.):(Literal meaning: not liable for particular average)vExtent of coverage: pay claims for total loss and partial loss caused by fortuitous(意外的) accidents such as stranding(觸礁),groundin

14、g(擱淺), collison(碰撞), sinking, fire, explosion,etc.vIt doesnt pay partial loss caused by natural calamities.W.A./ W.P.A. 水漬險(xiǎn)vWith Average/ With Particular Average:vIt provides cover against total loss and partial loss due to perils of the sea.All Risks 一切險(xiǎn)vBesides the risks covered by FPA and WA, All

15、 Risks also provides cover against some extraneous risks of loss or damage(esp, general additional risk).vCoverage:All Risks= FPA+WPA+General Additional RiskExtraneous RisksvGeneral Additional Risks: 一般附加險(xiǎn)vSpecial Specific Additional Risks: 特別和特殊附加險(xiǎn)General Additional RisksvT.P.N.D.(threft, pilferage

16、 and non-delivery)偷竊，提貨不著險(xiǎn)vF.W.R.D.(fresh water and / or rain damage)淡水雨淋險(xiǎn)vShortage: 短量險(xiǎn)vIntermixture and Contamination混雜，玷污險(xiǎn)vLeakage 滲漏vClashbreakage 碰損，破碎險(xiǎn)vTaint of odour 串味險(xiǎn)vHeating sweating 受熱，受潮險(xiǎn)vHook damage 鉤損險(xiǎn)vBreakage of packing 包裝破裂險(xiǎn)vRust 銹損險(xiǎn)SpecialSpecific Additional RisksvFailure to Deliv

17、ery 交貨不到險(xiǎn)vImport Duty 進(jìn)口關(guān)稅險(xiǎn)vOn Deck 艙面險(xiǎn)vRejection 拒收險(xiǎn)vAflatoxin 黃曲霉素險(xiǎn)vWar Risks 戰(zhàn)爭(zhēng)險(xiǎn)vStrike Risks 罷工險(xiǎn) on at against with for1. Id like to talk something about the insurance on our porcelain ware.2. Please note that our insurance coverage is for 110%of the invoice value.3.How about your covering the i

18、nsurance against All Risks for 120% of the invoice value with PICC?4. The insurance rate is at a premium rate of 5%. insurance At against On for1.We will cover the goods against All Risks.2. We would like to cover W.P.A. on the cargo.3.We will cover insurance on your goods for 110% of the invoice va

19、lue against All Risks as usual.4. We can provide such coverage at a slightly higher premium.coverExamplev我們已經(jīng)按0.2%的保險(xiǎn)費(fèi)率和發(fā)票金額的110%投保1000箱青島啤酒的一切險(xiǎn)。vWeve covered insurance on 1000 cases of Qingdao Beer for 110% of the invoice value against All Risks at a premium rate of 0.2%.Calculation of PremiumvPrem

20、ium = invoice value 110% premium ratee.g. insure bicycles against W.P.A. for110% of the invoice value Total value: $100,000 premium rate: 0.2% premium= ￥220 二、進(jìn)口方寫給出口方請(qǐng)其代辦保險(xiǎn)的信函的表達(dá)方式寫作步驟寫作步驟 表達(dá)方式表達(dá)方式 （1）說明）說明某合同項(xiàng)某合同項(xiàng)下來函下來函 We wish to refer you to（請(qǐng)參閱（請(qǐng)參閱。）。） We are pleased to inform you that（很高興告（很高興

21、告知知。）。） （2）說明）說明所投保的所投保的險(xiǎn)別，確險(xiǎn)別，確定投保的定投保的金額金額 Please see to it that the insurance is covered for % of the invoice value against （請(qǐng)務(wù)必（請(qǐng)務(wù)必保證，該批貨物投保金額為發(fā)票金額的保證，該批貨物投保金額為發(fā)票金額的%，投，投保險(xiǎn)別為保險(xiǎn)別為。）。）As we now desire to have the consignment insured at your end, we shall be much pleased if you will kindly arrange

22、to insure the goods on our behalf against at invoice value plus %, amounting to （我方希望在你處投保，如果你方能夠代我方按照（我方希望在你處投保，如果你方能夠代我方按照發(fā)票金額加成發(fā)票金額加成%，投保，投保（險(xiǎn)別），總計(jì)金額（險(xiǎn)別），總計(jì)金額為為，我方將不勝激。），我方將不勝激。） （3）告知告知保險(xiǎn)保險(xiǎn)費(fèi)的費(fèi)的支付支付辦法辦法 We shall of course refund the premium to you upon receipt of your debit note.（當(dāng)然，一收到你方的還款（當(dāng)然，一

23、收到你方的還款通知，我方立即將保險(xiǎn)費(fèi)退還你方。）通知，我方立即將保險(xiǎn)費(fèi)退還你方。） As we understand that as per your customary practice, you only insure the shipment for 10% above the invoice value, the extra premium for additional coverage shall be for our account.（我方（我方知道按照你方的慣例，你方僅對(duì)貨物發(fā)票金額加一成投知道按照你方的慣例，你方僅對(duì)貨物發(fā)票金額加一成投保，而附加險(xiǎn)的額外保險(xiǎn)費(fèi)將由我方承擔(dān)。）保

24、，而附加險(xiǎn)的額外保險(xiǎn)費(fèi)將由我方承擔(dān)。） （4）進(jìn)一步）進(jìn)一步提出辦理保提出辦理保險(xiǎn)的要求險(xiǎn)的要求 We sincerely hope that our request will meet with your approval.（我方希望此要求能得到你方同意。）（我方希望此要求能得到你方同意。） Please arrange insurance according to our request.（請(qǐng)按我方要求辦理投保。）（請(qǐng)按我方要求辦理投保。） 三、出口方回復(fù)進(jìn)口方代辦請(qǐng)求的信函的表達(dá)方式寫作步驟寫作步驟 表達(dá)方式表達(dá)方式 （1）確認(rèn)對(duì)）確認(rèn)對(duì)方方要求辦理保險(xiǎn)要求辦理保險(xiǎn)的來函的來函 This is to acknowledge receipt of requesting us to effect insurance on the shipment for your account.（茲確認(rèn)收到你方（茲確認(rèn)收到你方日來函，要求我方對(duì)日來函，要求我方對(duì)該批貨物代辦保險(xiǎn)。）該批貨物代辦保險(xiǎn)。） We have received your letter of, asking us to insure the goods for an amount of % above the invoice value.（我方已經(jīng)收到你方（我方已