商务函电Unit 9 Insurance.ppt

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1、English for International Business CommunicationUnit Nine InsuranceI.TeachingAims&Requirements:1.Help students to learn and master key words,phrases and sentence patterns about insurance2.Help students to learn how to write a business letter about insurance3.Help students to learn some additional se

2、ntence patterns about insurance 4.Help students to identify various risks covered in foreign trade and grasp the technical or special words used in insurance.II.Resources/Materials:1.戚云方，戚云方，新编外经贸英语函电与谈判新编外经贸英语函电与谈判。浙江大学出版社，。浙江大学出版社，20072.戚云方，戚云方，新编外经贸英语写作与套新编外经贸英语写作与套语语。浙江大学出版社，。浙江大学出版社，20073.邹勇，邹勇

3、，国际商务英语国际商务英语理论与实理论与实务务。上海财经大学出版社，。上海财经大学出版社，2008PartOne:StudyofBackgroundKnowledge:Cargotransportinsurance1.KindsofRisks1.1PerilsoftheSeaIncludingbothnaturalcalamitiesandfortuitousaccidents.1.2ExtraneousRiskscanfurtherbegeneral extraneous risks andspecial extraneous risks.2.TotalLossandPartialLoss2

4、.1TotalLossActual Total LossConstructive Total Loss2.2PartialLossGeneral AverageParticular AverageParticularaveragemeansalossthatisbornesolelybytheownerofthelostproperty(shiporcargo)andgeneralaveragemeansasacrificemadeforthecommonsafetyofboththecargoandtheship.3.MainTypesofInsuranceCoverage3.1Freefr

5、omParticularAverage(FPA)FreefromParticularAveragemeansnopartiallossordamageisrecoverable.3.2WithParticularAverage(WPA/WA)AsidefromtheriskscoveredundertheF.P.A.conditionasabove,W.A.alsocoversparticularaverageoftheinsuredgoodscausedbyvileweather,lightening,tsunami,earthquakeand/orflood.3.3AllRisks(A.R

6、.)BesidestheriskscoveredbyFPAandWA,AllRisksalsoprovidescoveragainstsomeextraneousrisksoflossordamage.4.AdditionalRisks4.1GeneralAdditionalRiskscoverthelossescausedbygeneralextraneousrisks,includingTheft,PilferageandNon-delivery(T.P.N.D.),FreshWaterand/orRainDamage(F.W.R.D.),RiskofShortage,Riskoflnte

7、r-mixture&Contamination,RiskofLeakage,RiskofClash&Breakage,TaintofOdor,Damage Caused by Heating&Sweating,HookDamage,Loss or Damage Caused by Breakage ofPacking,andRisksofRust.4.2SpecialAdditionalRiskscoverlossescausedbyspecial extraneous risks.TheyincludeWarRisks,Strikes,FailuretoDeliver,ImportDuty,

8、OnDeck,Rejection,Aflatoxin,etc.PartTwo:StudyofSpecimenLettersI.StudyofWordsandExpressions1.desire(v.t.)long for；wish；requeste.g.We believe our mutual efforts will bear fruit as desired.We desire you to send us some descriptive literature at your earliest convenience.We earnestly desire that you will

9、 attend the coming Fair.It is desired that you will give this matter your immediate attention2.desire(n.)strong longing；earnest wishe.g.They have the desire to do substantial business if your price is competitive.They have no desire to accept prompt shipment.3.desirable(a.)worthy to be desired；worth

10、 havinge.g.It is desirable that the question be examined in its entirety.It seems desirable to accept our offer4.desirous(a.)wishful,desiring(to do)e.g.They are desirous of being able to buy at a lower price later.We are desirous to establish business relations with you.5.insure(vt.)make a contract

11、that promises to pay money in case of accident,damage,loss,etc.e.g.Once the cargo is sent off，it is insured instantaneously.The shipment is to be insured(covered)against All Risks and War Risk.6.insurance(n.)undertaking,by a company,to safeguard against loss e.g.Since the premium varies with the ext

12、ent of insurance,extra premium is for buyers account should additional risks be required.We will effect insurance against All Risks，as requested,charging the premium to the consigneePartTwo:StudyofSpecimenLettersI.StudyofWordsandExpressions.7.arise(vi.)aappear;occure.g.A new question has arisen in d

13、ealing with the matter of agency.We will reopen the subject as soon as occasion arises.bresult(from)e.g.Serious consequences may arise from an ambiguous clause in a contract.The damage arose from rough handling in transit.8.refer(v.t.v.i.)在商务英语中这个动词用得很广。在商务英语中这个动词用得很广。e.g.YourletteraddressedtotheMin

14、istryofForeignEconomicRelationsandTradehasbeenreferredtousforattention(hasbeenpassedontousforattention巳转交我公司办理巳转交我公司办理)YourCommercialCounsellorsOfficehasreferredustoyouforestablishingbusinessrelationswithyourcorporation(askedustoapproachyoufor.叫我们与你联系有关叫我们与你联系有关)Pleaserefertoourbankersforourreferenc

15、e(资信情况资信情况)请向我请向我银行询问银行询问WewishtorefertothepaymenttermscontainedinyourletterofDec19(谈一谈谈一谈)(提一下提一下)WehaveexaminedthedocumentsreferringtothefirstshipmentunderContractNo4567(有关有关)9.astoVSasfor(asfor做做“至于至于”解解时时，往往，往往含有轻蔑的口吻。含有轻蔑的口吻。)Asfortheprice,itislesscompetitiveinmyopinion.至于价格吗，我看缺乏竞争性。至于价格吗，我看缺乏

16、竞争性。至于我们的产品质量，我可以说在欧洲是独一无二至于我们的产品质量，我可以说在欧洲是独一无二的。的。Asforthequalityofourproducts,IcansayitisnexttononeinEurope.(与原文的语气不相称，应改为：与原文的语气不相称，应改为：Asfarasthequalityisconcerned,)10.asrequested依照要求依照要求=asrequestedbyyouoratonesrequestInbusinessEnglish,therearealotofphrasesmadeinthisway,whichmaymakeourexpressi

17、onsmoreconciseandclear.Forinstance：ascontracted按照合同；按照合同；asstipulated按照规定；按照规定；asstated/mentionedabove如上所述如上所述;Asrequired/needed根据需要根据需要.11.foronesaccount=tobeborne/paidbysb.e.g.Theadditionalchargeswillbeforbuyersaccount.附加费用由买方负担。附加费用由买方负担。Isupposetheadditionalpremiumforthespecialcoverageisonthebuy

18、ersaccount.我猜想投特别险的附加保险费应由买方负担。我猜想投特别险的附加保险费应由买方负担。Wedonotfeelabletomakepurchaseson(our)ownaccount.我方不能自负盈亏来购置这些货物。我方不能自负盈亏来购置这些货物。12.toonesadvantagealsotoonesbenefit/profit/interestWeseeourwaytobringthisdealintoconclusiontoyouradvantage/profit.Weareeagertoestablishgoodbusinessrelationswithyoutoourm

19、utualbenefits/profits.StudyoftheUsefulSentencePatterns1.toinsureW.P.A(F.P.A)投保水渍险（平安险）投保水渍险（平安险）PleaseinsureF.P.Aatyourend.请在贵处投保平安险。请在贵处投保平安险。WegenerallyinsureW.P.AonC.I.Fsales.按按CIF价出售的货物，我们一般投保水渍险。价出售的货物，我们一般投保水渍险。2.toinsure(cover)against投保投保险险PleasecoverthegoodsagainstWarRisks.请将货物投保战争险。请将货物投保战争

20、险。WehaveinsuredthegoodsF.P.AandagainstAllRisks.我们已将货物投保平安险和一切险。我们已将货物投保平安险和一切险。3.toarrange(effect,cover,takeout)insurance投保投保AsourorderwasplacedonaCIFbasis,theinsuranceistobearrangedbyyou.由于我方是按由于我方是按CIF价订货的，应由你方投保。价订货的，应由你方投保。Wewilleffectinsuranceonyourbehalf.我方愿代贵方投保。我方愿代贵方投保。Haveyoutakenoutinsura

21、nceforusonthesegoods?贵方是否已代我方对此货物投保？贵方是否已代我方对此货物投保？4.tocover(insure)sb.onsth.Pleaseinsureusonthefollowinggoods.请为我方投保下列货物。请为我方投保下列货物。5.toinsurefor按按金额投保金额投保Weshallinsurethegoodsfor110%oftheinvoicevalue.我方将按发票金额我方将按发票金额110%投保此货物投保此货物Wewishyoutoinsurethegoodsfortheinvoicevalueplus10%我方希望贵方按发票金额加我方希望贵方

22、按发票金额加10%投保。投保。6.toinsurewith向向投保投保WeusuallyinsurewiththePeoplesInsuranceCompanyofChinaforthegoodssoldonCIFbasis.我方一般对按我方一般对按CIF价出售的货物向中国人民保险公司投保。价出售的货物向中国人民保险公司投保。InsuranceistobeeffectedbythesellersagainstAllRisksfor110%oftheinvoicevaluewiththePeoplesInsuranceCompanyofChina.由卖方按发票金额由卖方按发票金额110%向中国人

23、民保险公司投保一切险。向中国人民保险公司投保一切险。7.tocompensatefor赔偿赔偿Ifanydamagetothegoodsoccursaclaimatyourend,whowillundertaketocompensateforthelosssustained.货物如发生损坏，可向贵地的保险代理提出索赔。他们将赔货物如发生损坏，可向贵地的保险代理提出索赔。他们将赔偿贵方遭受的损失。偿贵方遭受的损失。Wearesorrytolearnthatyourgoodswerebadlydamagedduringtransitandtheinsurancecompanywillcompens

24、ateyouforthelossesaccordinglytothecoveragearranged.我方很遗憾得知贵方货物在途中严重受损。保险公司将按照我方很遗憾得知贵方货物在途中严重受损。保险公司将按照投保险别赔偿贵方损失。投保险别赔偿贵方损失。8.toinsureaninspectioncertificate签发检验证明签发检验证明WeencloseaninspectioncertificateinsuredbytheBeijingCommodityInspectionBureauandtheShippingAgentsStatementaswellastheoriginalInsura

25、ncePolicy.现附上北京商品检验局签发的检验证明和轮船代理人的报告现附上北京商品检验局签发的检验证明和轮船代理人的报告书，以及保险单原件。书，以及保险单原件。9.tosubmitaninsuranceclaim=lodgetheclaimsfor提出保险索赔提出保险索赔Aninsuranceclaimshouldbesubmittedtotheinsurancecompanyoritsagentswithin30daysafterthearrivaloftheconsignmentattheportofdestination.保险索赔应在货物到达目的港保险索赔应在货物到达目的港30天内提

26、交保险公司或其代天内提交保险公司或其代理商。理商。Shouldanydamagebeincurredyoumayapproachtheinsuranceagentsatyourendandsubmitaninsuranceclaimsupportedbyasurveyreport.如果货物发生损坏，贵方可凭检验报告与贵处保险代理联系如果货物发生损坏，贵方可凭检验报告与贵处保险代理联系并提出保险索赔。并提出保险索赔。.RemindersforWritingSuchaLetter1)HowtowriteaninsuranceletterasabuyerSuchaletterissoeasyasto

27、fillinaformissuedbyinsurancepolicy;however,moreattentionshouldbepaidtohowtolodgeaclaimwiththeinsurerandaskhimtorefundyourlossordamage.(1)Mentionthedetailsofthegoods,quotingthecontractorpolicynumber,etc.(2)Statehowandwhentheinsuredcargowaslostordamagedandthereasonforcompensation.(3)Wishthereadertoacc

28、eptyourclaimandgiveitimmediateattention.1)Howtowriteaninsuranceletterasabuyer（4）Thefollowingdocumentsneedtobeenclosedwithyourcoveringletterforaclaim:SurveyreportAcopyofB/LThecommercialinvoiceTheinsurancepolicyAcoveringletterrequestingpaymentTips:Keepthisletterconciseandprofessional.Makeyourrequestsp

29、ecificand,ifnecessary,refertoanyencloseddocuments.Theletterwillusuallyfollowuponatelephonecalloraninterview,whichshouldhavebeenmadeassoonaspossibleaftertheeventoraccident.2)TherepliestotheselettersgenerallyincludethefollowingWhentheinsurancecompanyreceivestheaboveletter,theymayinformtheaddresseeofth

30、efollowing:(1)Acknowledgereceiptofhis/herletter.(2)Giveyourreplyofagreeingorrefusingandyourreasons.(3)Expressyourdesireforfurtherservice,etc.PartThree:ReviewofKeyPoints&DifficultPoints1.Thethreebasicrisks:FPA,WPA&Allrisks2.TheexpressionssuchasTPND,SRCC,WarRisk,I.O.P,etc.3.Therelationshipbetweeninsur

31、ancetermsandpriceterms4.ReviewClues:KindsofrisksClassificationoflossesTypesofinsurancecoveragePartFour:Exercises1.AnswertheFollowingQuestions:1)Asfarasforeigntradeisconcerned，whatrisksarecoveredunderaninsurancepolicy?2)Whatisthepurposeofinsurance?3)WhenwasThePeoplesInsuranceCompanyofChinaestablished

32、?4)Howistheinsurancevaluecalculated?5).ForwhatpercentageoftheinvoicevaluedoweusuallyeffectinsuranceifatransactionisconcludedonaCIFbasis?6)Whowillpaytheextrapremiumifinsuranceisrequestedtocovermorethan110%?7)Whomshouldaninsuranceclaimbesubmittedto?8).Whatdocumentsmustbepresentedinordertosubstantiatea

33、nordinaryaverageclaim?9)WhatsthedifferencebetweenPartialLossandTotalLoss?10)AtwhattimeisthesellerunderobligationtopresentamarineinsurancepolicywhengoodsaresoldonCIFbasis?2.FillinmeblankswiththeappropriatewordsandthentranslatethefollowingintoChinese：1).Regardinginsurance,thecoverageis_110ofinvoiceval

34、ueuptotheportofdestinationonly2).Buyersrequestforinsurancetobecovereduptotheinlandcitycanbeacceptedonconditionthatsuchextrapremiumisfor_account3).weregretbeingunabletoagreetothebuyersrequestasstatedintheL/Cstipulationsforinsurancetobecovereduptotheinlandcitybecauseourpriceis_onCIFDubai4).Risksothert

35、hanAllRisksandWarRiskcanbe_，iftheinsurancecompanyaccepts，andthentheextra_shouldbebornebythebuyer5).Sincethepremiumvarieswiththeextentof_，extrapremiumisforbuyersaccountshouldadditionalrisksbe_.6).Weregretourinabilitytowiththebuyersrequestforcoveringinsurancecoveredfor150%oftheinvoicevalue，becauseourc

36、ontractstipulatesthat_istobecoveredfor110ofinvoicevalue.7).Shouldanydamageoccur，youmay，within30daysafterthearrivaloftheconsignment,approachtheinsuranceagentatyourendandraiseaclaimwithhimtobe_byasurveyreport3.TranslationWorkExerciseinthetextbook.P-2144.Assignments1)Makesentenceswiththefollowing:(1)fo

37、r10%aboveinvoicevalue(2)Pleaseinsureourshipment(3)Wecanprovidesuchcoverage(4)Ifyoudesire(5)Thisistoacknowledgereceiptof(6)Asfor2)Writealetterdealingwiththefollowing:关于第关于第123号号3000桶铁钉的售货合同，兹通知你方，我们已桶铁钉的售货合同，兹通知你方，我们已由伦敦中国银行开立了第由伦敦中国银行开立了第567号保兑的、不可撤销的信用证号保兑的、不可撤销的信用证呢个，计金额呢个，计金额30000英镑，有效期至英镑，有效期至10月月15日止。日止。请注意（做到）上述货物必须在请注意（做到）上述货物必须在10月月15日前装出，保日前装出，保险必须按发票金额的险必须按发票金额的150%投保综合险。我们知道，按照你投保综合险。我们知道，按照你们一般惯例你们只按发票金额另加们一般惯例你们只按发票金额另加10%投保，因此，额外保投保，因此，额外保险费由我们负责。险费由我们负责。请按我们的要求办理保险，同时我们等候你方的装运通请按我们的要求办理保险，同时我们等候你方的装运通知。知。