外貿(mào)交際英語scene6 Talking about the Insurance

TalkingabouttheInsuranceWarm-up

SpeakingPracticalWritingPracticalLearningTrainingSceneSixTeachingObjectives1.知識目標(biāo)：〔1〕了解合同中保險條款的內(nèi)容； 〔2〕掌握保險的分類； 〔3〕掌握保險洽談的內(nèi)容和技巧； 〔4〕掌握要求承保FPA及其回復(fù)函、要求承保一切 險和戰(zhàn)爭險及其回復(fù)函、信用證中保險條款修 改及其回復(fù)函的寫作內(nèi)容和方法；〔5〕掌握MSN的應(yīng)用方法；〔6〕了解保險單的內(nèi)容，并掌握填制保險單的 方法。2.能力目標(biāo)：〔1〕能夠進(jìn)行保險洽談；〔2〕能夠?qū)懽饕蟪斜PA及其回復(fù)函、要求承 保一切險和戰(zhàn)爭險及其回復(fù)函、信用證中保 險條款修改及其回復(fù)函；DialoguesWritingPracticallearningTrainingTeachingObjectives〔3〕能夠在國際貿(mào)易中，熟練應(yīng)用MSN; 〔4〕能夠讀懂保險單，并填制保險單。3.素質(zhì)目標(biāo)：〔1〕熟悉并適應(yīng)貿(mào)易工作； 〔2〕能夠進(jìn)行商務(wù)英語交際； 〔3〕具有一絲不茍、嚴(yán)肅認(rèn)真的工作作 風(fēng)。DialoguesWritingPracticallearningTrainingImportancesandDifficulties教學(xué)重點(diǎn)：要求承保FPA及其回復(fù)函、信用證 中保險條款修改及其回復(fù)函；填制 保險單。教學(xué)難點(diǎn)：填制保險單。DialoguesWritingPracticallearningTrainingBasicKnowledge

Insuranceisalsoanimportantterminforeigntradebusiness.Duringtransportation,thegoodswillbedeliveredfromthesellertothebuyeroveralongdistanceandithastogothroughtheprocedureoftransit,loading,unloading,storage,etc.Undoubtedly,thesegoodseitherforimportorexportaresubjecttodamageorloss.Soitiscustomarytoinsurethegoodsagainstrisksofcollision,leakage,pilferage,fireandstorm,etc.What’smore,theymustbeinsuredagainsttheserisksinaccordancewiththemodeoftransportused,thenature,thenatureofthegoodsandtheinsurancetermsstipulatedinthecontract.SectionI.Warm-up

DialoguesWritingPracticallearningTrainingWhatisinsurance?Insuranceisacontractwherebyoneparty,inconsiderationofapremiumpaid,undertakestoindemnifytheotherpartyagainstlossfromcertainperilsorriskstowhichthesubjectmatterinsuredmaybeexposedto保險(insurance)是指投保人根據(jù)合同約定，向保險人支付保險費(fèi)，保險人對于合同約定的可能發(fā)生的事故因其發(fā)生所造成的財產(chǎn)損失承擔(dān)賠償保險金責(zé)任，或者當(dāng)被保險人死亡、傷殘、疾病或者到達(dá)合同約定的年齡、期限時承擔(dān)給付保險金責(zé)任的商業(yè)保險行為。SectionI.Warm-up

DialoguesWritingPracticallearningTrainingSectionII.SpeakingPre-taskTask

PracticeDialoguesWritingPracticallearningTrainingThetypesofInsurance保險的類型

NOTEThisinsuranceisclassifiedintothefollowingthreeConditions-FreeFromParticularAverage〔F.P.A.〕，WithAverage〔W.A.〕andAllRisks.平安險，水漬險，一切險DialoguesWritingPracticallearningTrainingPre-task

AdditionalSentences1.Insurance:insuranceshallbecoveredbythesellerfor110%oftheinvoicevalueagainstWPArisks.保險由賣房按發(fā)票值的110%投保水漬險。2.Insuranceshallbecoveredbythesellerfor110%oftheinvoicevalueagainstWPArisks.保險由賣方按發(fā)票值的110%投保水漬險。3.Pleasearrangeinsurancecoverageof**.Theinsurancecoveragewillbe110%oftheinvoicevalue.Thepremiumshouldbebornebyyou.請安排承保**險，保險費(fèi)用由你方承擔(dān)，保險金額是發(fā)票額的110%。DialoguesWritingPracticallearningTrainingTask

Assignataskbyteacher

Youtalkaboutinsurance.Youshoulddecidethenameofyourcompanyandproducts.Youmakearole-play,onerolesasexporter,theotheronerolesascustomer.DialoguesWritingPracticallearningTrainingPractice

checkandmakeconclusionImportantsentencesandphrases1.Wemadeanappointmentlasttimetohaveadiscussiononinsuranceat8:00yourtimetoday.我們上次約好今天在你們時間8：00來洽談保險問題。2.Willyougiveusapremiumrebatejustasotherunderwritersdo?3.Ibelievewewillbesurelysuccessfulinourcooperativebusiness.Wehavesomanypointsincommon.我相信我們合作的業(yè)務(wù)一定會成功。我們有這么多共同點(diǎn)。4.Successfulbusinessisbasedonequalityandmutualbenefits.成功的業(yè)務(wù)建立在平等互利的根底上。DialoguesWritingPracticallearningTrainingTheletterforaskingtocoverFPA

insuranceSectionIII.PracticalWritingResponsetoaskforcoverFPAinsuranceDialoguesWritingPracticallearningTraining

TheletterforaskingforAllRisksandWarRisksResponsetoaskforAllRisksandWarRisks

SectionIII.PracticalWritingAskingforamendmentofinsurancetermintheL/CDialoguesWritingPracticallearningTraining

ResponsetoaskforamendmentofinsurancetermintheL/CAskingtocoverFPADialoguesWritingPracticallearningTrainingSample1.AskingforFPAInsuranceDearMr.Zhang,Wewilldeliver1,000MTfirstgradelinseedoilfromRotterdamtoQingdaothisweek.butwedon’tknowwhatcoverageweshouldarrangefor.WewishtoinsurethisconsignmentagainstFPA.Theinsurancecoveragewillbe110%oftheinvoicevalue.Timeistopurgent,pleaseconfirmtoday.Thanksforyourcooperation.BestregardsGreenBelgiumLinseedOilPlantE-mail:

DialoguesWritingPracticallearningTrainingAskingforFPAInsuranceDialoguesWritingPracticallearningTrainingSample2.

ResponsetoAskforFPAInsuranceDearMr.Green,Thanksforyoure-mailaskingtocoverFPA.Inresponse,wedon’tacceptinsurancecoverageofFPA.PleasearrangetheinsurancetocoverAllRisksandWarRisksfor120%oftheinvoicevalue.Timeistopurgent,thanksforyourquickarrangement.Waitingforyourquickconfirmation.BestRegardsStarterZhangChemChinaOilandFatCo.,Ltd.DialoguesWritingPracticallearningTrainingDearMr.Zhang,Thanksforyourquickresponseforinsurancecoverage.Asyourequired,accordingtogeneralpractice,wecanonlyarrangeAllRisksfor110%oftheinvoicevalue.WarRisksisaspecialinsurancecoverage.Wecanarrangebuttheinsurancepremiumshouldbebornbyyourside.Extrapremiumof120%ofinvoicevalueshouldalsobebornbyyourside.AskingforAllRisksandWarRisksSample3.AskingforAllRisksandWarRisks

DialoguesWritingPracticallearningTrainingPleaseconfirmASAP.Pleasenote:Iwanttosendyouagiftofcassette-playerwhichcosts2500Belgiumfrancs.Kindlyinformmeyourpersonaladdress.B.rgds.GreenBelgiumLinseedOilPlantE-mail:DialoguesWritingPracticallearningTrainingDearMr.Green,Thanksagainforyourquicke-mailwhichwereceivedjustnow.PlsarrangeinsurancecoverageofAllRisksandWarRisksfor110%oftheinvoicevalue.WeaccepttopaytheinsurancepremiumofWarRisks.WewillpayforitbyT/Tseparately.Pleaseinformustheexactamountforpaymentatonce.Thanksforyoureffort.BestRegardsStarterZhangChemChinaOilandFatCo.,Ltd.Sample4.ResponsetoAskforAllRisksandWarRisksDialoguesWritingPracticallearningTrainingAskingforAmendmentofInsuranceTermDialoguesWritingPracticallearningTrainingSample5.AskingforAmendmentofInsuranceTermintheL/CDearMr.Zhang,Wearesohappytohaveaconclusionofinsurance.Becausetheinsurancetermisnotsoclearlyregulatedinthesignedcontractaccordingtoourfinaldiscussiononthismatter,wehavetorevisethistermasfollows:“Insurance:AllRisksandWarRisksfor110%ofinvoicevaluecoveredbytheseller,WarRisksinsurancepremiumisbornbythebuyer.〞insteadofformersimpleexpressions“Insurance:coveredbytheseller〞.TheL/Chastobeamendedaccordingly.Pleasecontactyourbankforamendment.DialoguesWritingPracticallearningTrainingIwillsendyoutherevisedcontractforsignaturebyfaxthisafternoon.WaitingforyourL/Camendedinformation.B.rgds.GreenBelgiumLinseedOilPlantE-mail:DialoguesWritingPracticallearningTrainingAskingforAmendmentofInsuranceTermDialoguesWritingPracticallearningTrainingSample6.ResponsetoAskforAmendmentofInsuranceTermDearMr.Green,Youarealwayssohelpful.Thanks.SorryforlateresponsejustbecauseIwenttoourbankforL/Camendmentthismorning.GladtoinformyouthattheamendmentofL/Chasbeenwelldoneaccordingtoyoursuggestion.Thanksforhavingreceivedyourrevisedcontract.Isignedandsentitbackbyfaxjustnow.Pleasecheck.Wearewaitingforyourpromptshipment.BestRegardsStarterZhangChemChinaOilandFatCo.,Ltd.E-mail:chem51@126DialoguesWritingPracticallearningTraining選擇保險險種時要注意什么？DiscussingQuestions在投保時，人們總是希望在保險范圍和保險費(fèi)之間尋找平衡點(diǎn)。要做到這一點(diǎn)，首先要對自己所面臨的風(fēng)險做出評估，甄別哪種風(fēng)險最大、最可能發(fā)生，并結(jié)合不同險種的保險費(fèi)率來加以權(quán)衡。多投險種當(dāng)然平安感會強(qiáng)很多，但保費(fèi)的支出肯定也要增加。出口商投保時，通常要對以下幾個因素進(jìn)行綜合考慮：貨物的種類、性質(zhì)和特點(diǎn)；貨物的包裝情況；貨物的運(yùn)輸情況(包括運(yùn)輸方式、運(yùn)輸工具、運(yùn)輸路線)；發(fā)生在港口和裝卸過程中的損耗情況等；目的地的政治局勢，如在1998年北約空襲南聯(lián)盟和1999年巴基斯坦政變期間，如果投保戰(zhàn)爭險，出口商就不必為貨物的平安問題而心驚肉跳了。DialoguesWritingPracticallearningTraining幾種不能接受的信用證保險條款舉例NOTE〔1〕保險單據(jù)指定保險加成過高的條款例：〞INSURANCEPOLICYORCERTIFICATEISSUEDINASSIGNABLEFORMFOR150%OFCIFINVOICEVALUECOVERINGALLRISKSANDWARRISKSASPERCHINAINSURANCECORPORATION,FROMSELLER’SWAREHOUSETOBUYER’SWAREHOUSE,WITHCLAIMSPAYABLEATDESTINATION.〞DialoguesWritingPracticallearningTraining幾種不能接受的信用證保險條款舉例NOTE〔2〕保險單據(jù)要求投保中外兩種不同機(jī)構(gòu)的保險條款例：〞MARINEINSURANCEPOLICY/CERTIFICATEFORFULLINVOICEVALUEPLUS10%COVERINGINSTITUTEWARCLAUSEANDALLRISKSASPERC.I.C.CLAUSESHOWINGCLAIMSPAYABLEINDESTINATIONINTHECURRENCYOFTHECREDIT.〞DialoguesWritingPracticallearningTraining幾種不能接受的信用證保險條款舉例NOTE〔3〕保險單據(jù)要求承保期太長的條款.例：〞INSURANCEPOLICYORCERTIFICATEINDUPLICATECOVERINGMARINEWARTPNDSRCCANDALLRISKSFORFULLCIFVALUEPLUSMINIMUN20PERCENTUPTOFINALDESTINATIONANDINSURANCEPOLICYORCERTIFICATEMUSTBEVALIDFOR90DAYSAFTERTHEDISCHARGEOFGOODSFROMTHEVESSELATTHEPORTOFDESTINATION.〞DialoguesWritingPracticallearningTraining幾種不能接受的信用證保險條款舉例NOTE〔4〕保險單據(jù)中沒有投保險別的條款.例：〞INSURANCEPOLICYORCERTIFICATEINNEGOTIABLEFORMEVIDENCING‘PREMIUMPAID’PLUS10%CIF-VALUE.〞〔5〕保險單據(jù)要求由對方指定賠付代理的條款例：〞INSURANCEPOLICY/CERTIFICATEIN2FOLDISSUEDFOR110%OFTHEINVOICEVALUE,COVERINGINSTITUTECARGOCLAUSE‘A’,CURRENTINSTITUTEWARCLAUSEANDCURRENTINSTITUTES.R.C.C.FROMWAREHOUSETOWAREHOUSE,STATINGCLAIMSPAYABLEINHOLLANDBYXXXCLAIMSPAYINGAGENT.〞DialoguesWritingPracticallearningTrainingExercise1.翻譯以下保險條款:INSURANCEPLOICIESORCERTIFICATEINDUPLICATEENDORSEDINBLANKOF110%OFINVOICEVALUECOVERINGALLRISKSANDWARRISKSASPERCICWITHCLAIMSPAYABLEATSINGAPOREINTHECURRENCYOFDRAFT(IRRESPECTIVEOFPERCENTAGE),INCLUDING60DAYSAFTERDISCHARGESOFTHEGOODSATPORTOFDESTINATION(OFATSTATIONOFDESTINATION)SUBJECTTOCIC.

DialoguesWritingPracticallearningTrainingOnlineCommunicationTool:MSNSectionIV.PracticalLeaning

MSN全稱MicrosoftServiceNetwork〔微軟網(wǎng)絡(luò)效勞〕，是微軟公司推出的即時消息軟件，可以與親人、朋友、工作伙伴進(jìn)行文字聊天、語音對話、視頻會議等即時交流，還可以通過此軟件來查看聯(lián)系人是否聯(lián)機(jī)。DialoguesWritingPracticallearningTrainingSectionIV.PracticalLearningDialoguesWritingPracticallearningTrainingSectionIV.PracticalLearningDialoguesWritingPracticallearningTrainingSectionIV.PracticalLearningDialoguesWritingPracticallearningTrainingSectionIV.PracticalLearningDialoguesWritingPracticallearningTraining一、根本要求保險單〔InsurancePolicy∕Certificate〕是保險人〔承保人〕與被保險人〔投保人或要保人〕之間訂立的保險合同的憑證。是當(dāng)事人索、理賠的依據(jù)，在CIF/CIP合同中，出口商提交符合規(guī)定的保險單據(jù)是必不可少的義務(wù)。其業(yè)務(wù)做法是投保人根據(jù)合同或L/C規(guī)定向保險機(jī)構(gòu)提出投保要求〔以等形式發(fā)送投保單/發(fā)票/貨物明細(xì)單等〕，保險機(jī)構(gòu)或其代理同意后出具正式單據(jù)，一般為三正二副。除L/C另有規(guī)定，保險單據(jù)一般應(yīng)做成可轉(zhuǎn)讓的形式，以受益人為投保人并由其背書。保險單〔大保單〕、保險憑證〔小保單〕、預(yù)約保險單〔開口保單OpenCover〕、保險批單〔Endorsement〕和暫保單/承保條〔CoverNote/slip〕是較常見的種類。SectionV.Training——填制保險單DialoguesWritingPracticallearningTraining二、保險單的內(nèi)容及繕制不同保險公司出具保險單據(jù)內(nèi)容大同小異，多以英國勞合社船貨保險單〔S.G.Policy〕為藍(lán)本。1.保險合同的當(dāng)事人有保險人、被保險人、保險經(jīng)紀(jì)人、保險代理人、勘驗(yàn)人、賠付代理人等。被保險人〔Insured〕即保險單的抬頭，正常情況下應(yīng)是L/C的受益人，但如L/C規(guī)定保單為Toorderofxxxbank或Infavorofxxxbank，應(yīng)填寫“受益人名稱+heldtoorderofxxxbank或infavorofxxxbank〞；如L/C要求所有單據(jù)以xx為抬頭人，保單中應(yīng)照錄；如L/C要求中性抬頭(thirdparty或inneutralform)，填寫“Towhomitmayconcern〞；如要求保單“madeouttoorderandendorsedinblank，填寫“受益人名稱+toorder〞；L/C對保單無特殊規(guī)定或只要求“endorsedinblank〞或“inassignable/negotiableform〞，填受益人名稱。中外保險公司都可以以自己名義簽發(fā)保單并成為保險人，其代理人是保險經(jīng)紀(jì)人；保險代理人代表貨主；勘驗(yàn)人一般是進(jìn)口地對貨物損失進(jìn)行查勘之人；賠付代理人指單據(jù)上載明的在目的地可以受理索賠的指定機(jī)構(gòu)，應(yīng)詳細(xì)注明其地址和聯(lián)系方法。合同號，發(fā)票號，信用證號碼，如有，可以都填上去，一般只需要填發(fā)票號碼，如果是做L/C，最好將L/C號碼填上去。SectionV.Training——填制保險單DialoguesWritingPracticallearningTraining2.保險貨物工程〔DescriptionOfGoods〕、嘜頭、包裝及數(shù)量等貨物規(guī)定應(yīng)與提單保持一致。3.保險金額〔AmountInsured〕是所保險的貨物發(fā)生損失時保險公司給予的最高賠償限額，一般按CIF/CIP發(fā)票金額的110%投保，加成如超出10%，超過局部的保險費(fèi)由買方承擔(dān)可以辦理，L/C項下的保單必須符合L/C規(guī)定，如發(fā)票價包含傭金和折扣，應(yīng)先扣除折扣再加成投保，被保險人不可能獲得超過實(shí)際損失的賠付，保險金額的大小寫應(yīng)一致，保額尾數(shù)通常要“進(jìn)位取整〞或“進(jìn)一取整〞，即：不管小數(shù)局部數(shù)字是多少，一律舍去并在整數(shù)局部加“1〞。SectionV.Training——填制保險單DialoguesWritingPracticallearningTraining4.保費(fèi)〔Premium〕和費(fèi)率〔Rate〕通常事先印就“AsArranged〞〔按約定〕字樣，除非L/C另有規(guī)定，兩者在保單上可以不具體顯示。保險費(fèi)通常占貨價的比例為1%~3%左右，險別不同，費(fèi)率不一〔水漬險的費(fèi)率約相當(dāng)于一切險的1/2，平安險約相當(dāng)于1/3；保一切險，歐美等興旺國家費(fèi)率可能是0.5%，亞洲國家是1.5%，非洲國家那么會高達(dá)3%以上〕。SectionV.Training——填制保險單DialoguesWritingPracticallearningTraining5.運(yùn)輸方面的要求。開航日期〔DateOfCommencement〕通常填提單上的裝運(yùn)日，也可填“AsPerB/L〞或“AsperTransportationDocuments〞；起運(yùn)地、目的地、裝載工具〔PerConveyance〕的填寫與提單上的操作相同。6.承保險別〔Conditions〕。是保險單的核心內(nèi)容，填寫時應(yīng)與L/C規(guī)定的條款、險別等要求嚴(yán)格一致；在L/C無規(guī)定或只規(guī)定“Marine/Fire/LossRisk〞、“UsualRisk〞或“TransportRisk〞等，可根據(jù)所買賣貨物、交易雙方、運(yùn)輸路線等情況投保AllRisks、WA或WPA、FPA三種根本險中的任何一種；如L/C中規(guī)定使用中國保險條款〔CIC〕、倫敦協(xié)會貨物條款〔ICC〕或美國協(xié)會貨物條款〔AICC〕，應(yīng)按L/C規(guī)定投保、填制，所投保的險別除明確險別名稱外，還應(yīng)注明險別適用的文本及日期；某些貨物的保單上可能出現(xiàn)IOP〔不考慮損失程度/無免賠率〕的規(guī)定；目前許多合同或L/C都要求在根本險的根底上加保WarRisks和SRCC〔罷工、暴動、民變險〕等附加險；集裝箱或甲板貨的保單上可能會顯示JWOB〔拋棄、浪擊落?！畴U；貨物運(yùn)往偷盜現(xiàn)象嚴(yán)重的地區(qū)/港口的保單上頻現(xiàn)TPND〔偷竊、提貨不著險〕。SectionV.Training——填制保險單DialoguesWritingPracticallearningTraining7.賠付地點(diǎn)〔ClaimPayableAt/In〕。此欄按合同或L/C要求填制。如L/C中并未明確，一般將目的港/地作為賠付地點(diǎn)。8.日期〔Date〕。日期指保單的簽發(fā)日期。由于保險公司提供倉至倉〔W/W〕效勞，所以出口方應(yīng)在貨物離開本國倉庫前辦結(jié)手續(xù)，保單的出單時間應(yīng)是貨物離開出口方倉庫前的日期或船舶開航前或運(yùn)輸工具開行前。除另有規(guī)定，保單的簽發(fā)日期必須在運(yùn)輸單據(jù)的簽發(fā)日期之前。SectionV.Training——填制保險單DialoguesWritingPracticallearningTraining9.簽章〔AuthorizedSignature〕。由保險公司簽字或蓋章以示保險單正式生效。單據(jù)的簽發(fā)人必須是保險公司/承保人或他們的代理人，在保險經(jīng)紀(jì)人