國際商務函電第十四章Unit14 Insurance

UnitFourteenInsurance(保險)ObjectivesIntroductionNewWords&Expressions

ExercisesKeystoExercisesObjectivesUnitFourteenInsurance(保險)1.保險在外貿業(yè)務中的重要性

2.國際貿易中的主要險種

3.涉及保險的商業(yè)信函的撰寫通過本章的學習，幫助學生掌握:IntroductionNecessitiesofinsuranceininternationaltradeTospreadthefinanciallossesoftheinsuredmembersoverthewholeoftheinsuringcommunitybycompensatingthemisfortunefewfromthefundbuiltupfromthecontributionsofallmembers.Today,insuranceisaformofintangibletradewhichhelpsourcountrytoaccumulateforeignexchange.Businessmenshouldhaveathoroughknowledgeofitandtheabilitytohandleitsproblemstowinoverthebusinessofinsurance.UnitFourteenInsurance(保險)IntroductionMaintypesofinsuranceininternationaltradeHookDamage

鉤損險RiskofOdor

串味險RiskofRust

銹損險Sweating&HeatingRisk

受潮受熱險RiskofShortage

短量險WarRisk

戰(zhàn)爭險RiskofLeakage

滲漏險Pilferage&Theft

偷竊險LossorDamageCausebyBreakageofPacking

包裝破裂險AllRisks

一切險

UnitFourteenInsurance(保險)IntroductionLettersconcerninginsurancecanbewritteninthefollowingstructure:Putforwardtheproblemofinsuranceinapositiveway.Statewhichkindofinsuranceisdesiredandprovidethereaderwithconvincingandspecificreasons.Expressexpectationsforanearlyreplyorcooperation.

UnitFourteenInsurance(保險)UnitFourteenInsurance(保險)敬啟者：

事由：我方105號定單你方005號銷售合同下的400箱電子玩具請查閱我方第105號訂購400箱電子玩具的定單。你方會發(fā)現(xiàn)此定單是按成本加運費訂購的。我們現(xiàn)在想在你地投保，故請按發(fā)票金額加10%。即20萬美元代我方對此投保綜合險。收到你借方結帳單后，我方即將保險費付給你們。如你方愿意，亦可開具即期匯票，向我方收款。誠盼能夠得到你方的同意。

謹上

SampleLetterⅠUnitFourteenInsurance(保險)敬啟者：

事由：附加破損險我們查閱了你方為長城牌瓷磚所開具的202號信用證，這張信用證我們剛剛收到。請注意我們對這種貨物不投破損險。因此，請在信用證中把破損險從保險條款中刪掉。另外，我們要指出，像門窗玻璃、陶瓷等物品，即使投了破損險，也有5%的免賠率。換句話說，如果貨物的破損損失低于5%，將得不到任何賠償。相信我們的觀點已經表達的非常清楚，請立即將更正后的信用證傳真過來。

謹上SampleLetterⅡ敬啟者：

對你方3月4日來信中有關保險問題的回復可以接受你方顧客的要求，將貨投保到內陸城市，額外保費由你方顧客負擔，我們不能同意你的按發(fā)票價值的120%投保的要求因為合同規(guī)定保費為發(fā)票價值的110%我們相信上述信息能夠使你們滿意。惠盼早復。

謹上SampleLetterⅢUnitFourteenInsurance(保險)NewWords&Expressions1. 與insurance有關的一些短語

(1)與on連用，表示投保的貨物：insuranceon 100tonsofcotton (2)與against連用，表示投保的類別：insurance againstwarrisk (3)與at連用，表示保費或費率：insuranceat therateof10%,insuranceatalower premium (4)與with連用，表示向保險公司投保： insurancewithXinhuaLifeInsurance CompanyofChinaUnitFourteenInsurance(保險)NewWords&Expressions2. on…basis…

與之相關的短語有：onthebasisof,bebasedon,base…on… ReferenceistomadetoourorderNo.213covering300setsofsewingmachines,whichisplacedonCFRbasis.

請參看我們213號定單下的300臺洗衣機，這是以成本加運費為基礎的。UnitFourteenInsurance(保險)NewWords&Expressions3. approvev.i.批準、贊成，與介詞of連用

OurcompanyhasapprovedoftheinsurancerateyouofferedinyourletterofMay5th.

我公司已批準你方在5月5日來函中所報保險費率。

Weareeagertoknowifourofferhasbeenapprovedbyyourfirm.

我方急于知道我們的報價是否得到貴方批準。UnitFourteenInsurance(保險)NewWords&Expressions4. referto談到，提到

We‘dliketoreferyoutoourreplyofAugust29th,inwhichwehaveclearlystatedourinsurancepolicy.

提請你們參看我方8月29日回函，在回函中我們已清楚地解釋了我方的保險政策。

Astotherate,youcanrefertotheofficialdocumentsofPICC.

至于費率，你們可參看中國人民保險公司的正式文件。UnitFourteenInsurance(保險)NewWords&Expressions5. besubjectto受約束，受控制

Theratenowbeingchargedbyusfortheproposedshipmentagainstallriskswillbe10%subjecttoChinaInsuranceClauses.

按照中國保險條款，我方對投保一切險的貨物收取的費率是10%。

Whatweshouldliketopointouthereisthattheagreementreachedbetweenusissubjecttothefurtherinstructionsfromourheadquarter.

需要指出，我們所達成的協(xié)議應以我方總部的進一步指示為準。UnitFourteenInsurance(保險)NewWords&Expressions6. amendmentn.修改，修正

Anyamendmentinthecontractcanbeonlymadeafterhavingtheconsentofthetwopartiesconcerned.

只有在雙方同意的情況下才可對合同內容做出修改。

Withregardtothepresentpricelevel,weproposedanamendmentinthecontractwesignedonMay1st.

鑒于目前的價格水平，我們建議對5月1日的合同內容進行修改。UnitFourteenInsurance(保險)NewWords&Expressions7. onconditionthat如果，在……條件下

WeacceptyourofferonconditionthatthetimeofshipmentisMay.

我方接受你方報盤，但以裝運期5月為條件。

Ourcustomersagreetoplaceordersimmediatelyonconditionthatyouallowthemadiscountof4%.

如果能給予4%的折扣，我方客戶們同意立即訂購。UnitFourteenInsurance(保險)NewWords&Expressions8.premiumn.保險費

premiumloan 保險借款

premiumtariff 保險費率表

premiumnote 保險費付款期票

UnitFourteenInsurance(保險)

ExerciseⅠ

ExerciseⅡ

ExerciseⅢ

ExerciseⅣ

ExerciseⅤExercisesUnitFourteenInsurance(保險)ExerciseⅠTranslatethefollowingtermsandexpressionsA.IntoChinese:1.heabsenceof4.inotherwords5.subjectto6.afranchiseshop7.ship...inbulk8.riskofshortage9.riskofleakage10.serveyourpurpose

UnitFourteenInsurance(保險)ExerciseⅠTranslatethefollowingtermsandexpressionsB.IntoEnglish:1.一切險2.水漬險3.平安險4.額外保險費率5.保險費率6.免賠率（額）7.明確指示8.慣例9.特殊附加險10.淡水雨淋險UnitFourteenInsurance(保險)ExerciseⅠ1.Inparticularwewishtoknowwhetheryoucanissueaspecialrate

return

thepromiseofregularmonthlyshipment.2. Asshipmentisdueto

begin

14thMarch,pleaseletushaveyourquotationbyreturn.3.

whattermswillyoubegladtoarrangeanallriskspolicyforus?Theinvoicedvalueoftheconsignment,

thefreightandcommission,is$2,500.5. Wearepleasedtonotethatyouarereadytoinsure

usashipmentofChineseporcelainfromShanghaitoSydneybysea.UnitFourteenInsurance(保險)ExerciseⅠ6. Ifyoufindourrateacceptable,pleasepresentthedetails

yourshipmentsothatwemayissueourpolicyaccordingly.7. Thetermsyouquoteforanopenpolicyof1,200coveringallriskswillapply

ourconsignmentontheroutesnamed.8. Wethankyouforyourreply

ourinquiryofApril29.Ifyoucankindlyarrangetoinsurethesame

ourbehalf

AllRisksweshallbegreatlyobliged.10.

theordinarycircumstance,nolossortheftofsuchmerchandiseasmildsteelislikelytooccurduringtransportation.UnitFourteenInsurance(保險)ExerciseⅡ1.Weshallprovidesuch

atyourcost.2.Pleasearrangetosupplytheseand

toouraccount.3.Ourclientsrequesttheirordertobe

againstallrisksandwarrisk.Pleasearrangefortheinsurancecoveraccordingly.4.Pleaseholdusforthe

referredtobelow.5.Wewill

insurancecoverageonyourbehalf.UnitFourteenInsurance(保險)ExerciseⅡ6.Pleaseinsureat

valueplus10%.7.Weshall

insuranceatthisendunderourOpenPolicy.8.Thecoverageisfor110%ofinvoicevalueuptotheportof

.9.InsuranceCertificatewillfollowassoonaswereceiveitfromthe

.10.Asthe

varieswiththeextentofinsurance,extrapremiumistobecovered.UnitFourteenInsurance(保險)ExerciseⅣTranslatethefollowingsentencesintoEnglish:1.我們得知我方電腦運往紐約的一切險費率為1.5%。能否在別處以更合理的費率投保？2.此費率為本地所有的大保險商所普遍接受。3.茲告知此險別可以投保，但保費略高。4.如果你們想按發(fā)票金額的130%投保，我們可以辦理，但要收額外的保險費。5.由于戰(zhàn)爭風險增加，戰(zhàn)爭險的保費也提高了很多。UnitFourteenInsurance(保險)ExerciseⅣTranslatethefollowingsentencesintoEnglish:6.請將我方貨物按20000美元的保值投保水漬險。7.我方要求你方為此批貨物投保罷工、暴動、民變險（Strikes,Riots&CivilCommotions）。8.我們的慣例是按發(fā)票金額的110%投保平安險和戰(zhàn)爭險。9.為更好的推銷，我們將免費給你方寄送樣品。10.保單是一種契約，是承保人和投保人之間協(xié)議的證明。UnitFourteenInsurance(保險)ExerciseⅣWriteanEnglishletterbasedonthefollowinginformation:買方來函詢問保險情況,現(xiàn)寫信答復:1.對于以CIF價格成交的交易,我方通常向中國人民保險公司根據1981年1月1日的海洋運輸公物保險條款投保一切險。若買方要求依據協(xié)會貨物保險條款辦理，我方可以照辦但兩者保費的差額由對方支付。2．若買方想要投保附加險，我方可以代辦，額外保費由買方支付。我方將把保險商出具的保費收據寄給對方。3．保險金額通常為發(fā)票金額的110%。如果買方要求增加，可以照辦但額外保費也將由買方支付。4．盼對方寄來訂單。

UnitFourteenInsurance(保險)

ExerciseⅠ

ExerciseⅡ

ExerciseⅢ

ExerciseⅣ

ExerciseⅤKeystoExercisesUnitFourteenInsurance(保險)ExerciseⅠTranslatethefollowingtermsandexpressionsA.IntoChinese:1.為答復2.關于保險3.在沒有……的情況下4.換句話說，也就是說5.以……為條件，以……為準6.專賣店7.散裝裝運8.短量險9.滲漏險10.使你達到目的，滿足你的要求

UnitFourteenInsurance(保險)ExerciseⅠTranslatethefollowingtermsandexpressionsB.1.AllRisk2.W.P.A.3.F.P.A.4.extrapremiumrate5.insurancepremiumrate6.franchise7.definiteinstructions8.usualpractice9.specialadditionedrisks10.FWRD

UnitFourteenInsurance(保險)ExerciseⅠ1.Inparticularwewishtoknowwhetheryoucanissueaspecialrateinreturnforthepromiseofregularmonthlyshipment.2. Asshipmentisdueto

beginon14thMarch,pleaseletushaveyourquotationbyreturn.3. On

whattermswillyoubegladtoarrangeanallriskspolicyforus?4. Theinvoicedvalueoftheconsignment,includingthefreightandcommission,is$2,500.5. WearepleasedtonotethatyouarereadytoinsurewithusashipmentofChineseporcelainfromShanghaitoSydneybysea.UnitFourteenInsurance(保險)ExerciseⅠ6. Ifyoufindourrateacceptable,pleasepresentthedetailsof

yourshipmentsothatwemayissueourpolicyaccordingly.7. Thetermsyouquoteforanopenpolicyof1,200coveringallriskswillapplytoourconsignmentontheroutesnamed.8. WethankyouforyourreplytoourinquiryofApril29.9. IfyoucankindlyarrangetoinsurethesameonourbehalfagainstAllRisksweshallbegreatlyobliged.10.Undertheordinarycircumstance,nolossortheftofsuchmerchandiseasmildsteelislikelytooccurduringtransportation.UnitFourteenInsurance(保險)ExerciseⅡ1.Weshallprovidesuchcoverageatyourcost.2.Pleasearrangetosupplytheseandchargetoouraccount.3.Ourclientsrequesttheirordertobeinsuredagainstallrisksandwarrisk.Pleasearrangefortheinsurancecoveraccordingly.4.Pleaseholdusfortheconsignmentreferredtobelow.5.Wewillarrangeinsurancecoverageonyourbehalf.UnitFourteenInsurance(保險)ExerciseⅡ6.Pleaseinsureatinvoicevalueplus10%.7.WeshalltakeoutinsuranceatthisendunderourOpenPolicy.8.Thecoverageisfor110%ofinvoicevalueuptotheportofdestination.9.InsuranceCertificatewillfollowassoonaswereceiveitfromtheunderwriter.10.Asthepremiumvarieswiththeextentofinsurance,extrapremiumistobecovered.UnitFourteenInsurance(保險)ExerciseⅣTranslatethefollowingsentencesintoEnglish:1.WehavelearnedthattherateforAllRisksinsuranceonthecomputersconsignedtoNewYorkis1.5%.Pleaseletusknowwhetherwecancoverinsuranceelsewhereatamorereasonablerate.2.Thisrateisgenerallyadoptedbyallthelargeunderwritershere.3.Wewouldliketoinformyouthatthisriskiscoverableataslightlyhigherpremium.4.Ifyouwantinsurancetobecoveredfor130%oftheinvoicevalue,wecanarrangethissubjecttoanextrapremium.5.TheinsurancepremiumforWarRiskisincreasingenormouslyduetotheprospectofwar.UnitFourteenInsurance(保險)ExerciseⅣTranslatethefollowingsentencesintoEnglish:6.WerequestyoutocoverWPAonourcargosfortheamountof20,000yuan.7.WewouldlikeyoutoinsureagainstStrikes,Riots&CivilCommotionsontheshipment.8.ItisourusualpracticetocoverinsuranceagainstFPAandWarRiskfor110%oftheinvoicevalue.9.Inordert