国际商务函电信函写法Unit 9 Insurance.ppt

《国际商务函电信函写法Unit 9 Insurance.ppt》由会员分享，可在线阅读，更多相关《国际商务函电信函写法Unit 9 Insurance.ppt（47页珍藏版）》请在淘文阁 - 分享文档赚钱的网站上搜索。

1、Unit 9 InsuranceIntroductionOrigin and developmentOriginally applied at sea,risks were great.Now become a vast subject,entering into every activity of human beings.Various kinds of risksF.P.AW.A,W.P.AT.P.N.D(Theft,Pilferage&Non-delivery)偷窃提货不着险All risksFresh and rain water DamageShortage RiskIntermi

2、xture&Contamination Risks 混杂玷污险 Leakage RisksClash&Breakage Risks 碰损破碎险Taint of odor Risks 串味险Sweating&heating Damage 受潮受热险Hook Damage Risk 钩损险Rust risks 锈损险 Breakage of packing Risk 包装破损险S.R.C.C.(Strikes,Riots,Civil Commotions)罢工、暴力、民变险War RiskImport Duty Risk 进口关税险On Deck Risk 舱面险Rejection Risk 拒收

3、险Failure to Delivery Risk 交货不到险Aflatoxin Risk 黄曲霉险Survey in Customs Risk 海关检验条款险Survey at Jetty Risk 码头检验条款险The purpose of insurance is to provide compensation for those who suffer from loss and damageA contract of indemnity 赔偿合同A contract to restore to someone Full or specified percentage amount of

4、 the loss Insurance is one between a party who agrees to accept the risk and a party seeking protection from the risk.In return for payment of a premium,the insurer agrees to pay the insured a stated sum should the event insured against occur.The premium,sum of money paid by the insured is quoted as

5、 a percentage of the sum insured.Insurance company Lloyds 1871 famous organization PICC Peoples Insurance Company of ChinaAbout PICCUnderwrite almost all kinds of insuranceHas agents world wide Our foreign trade insured hereNever should the buyers be forced to accept CIF terms if they intend to use

6、CFR FOB with insurance at their discretion.（自由选择）Insurance clausesChina Insurance Clauses CICInstitute Cargo Clause ICCdifferentPrincipal perils Basic marine policy of PICCUnder its Ocean Marine Cargo ClauseFPAWPAAll risksaverageAnglicized words（英语化词）,French words“avarie”“havarie”General average（全损）

7、:a loss resulting from a voluntary sacrifice or expenditure,in time of peril（危险）,for the safety of hull,cargo and freight.Particular average（部分损失）:partial loss,and its distinct from general average,which is shared by all who have a financial interest in the voyage and its risks in proportion to the

8、value of interests.Insurance valueCost of goods+amount of freight+insurance premium+a percentage of the total sum to represent a reasonable profit on sale of goods.CIF transactionEffect 110%of the invoice value against all risksPer marine cargo clause of PICCIf buyers request more,extra premium will

9、 be for buyers account.Policy is a part of shipping documents CIF basis,seller needs it at the time of negotiation Risks should be in accordance with term of contract or L/CRelated parties1.the insuredInsurance applicant2.insurer(underwriter)3.insurance broker4.surveyorInsurance claimBe submitted to

10、 the insurance company or its agents ASAPInsurance policy or certificate Bill of lading Original invoice Survey reportMasters protest 船长声明Statement of claimSpecimen Letter 1Dear Sirs,InsuranceAnswering your letter of June 25 in regard to insurance,we would like to inform you of the following:All Ris

11、ks:Generally we cover insurance WPA&War Risk in the absence of definite instructions from our clients.If you desire to cover All Risks,we can provide such coverage at a slightly higher premium.Breakage:Breakage is a special risk,for which an extra premium will have to be charged.The present rate is

12、about 4%.Claims are payable only for that part of the loss,that is over 5%.Value to be insured:We note that you wish us to insure shipments to you for 10%above invoice value,which is having our due attention.We trust the above information will serve your purpose and await your further news.Specimen

13、Letter 2Dear Sirs,Re:Insurance on 1,000 ComputersWe are sorry to inform you that we are unable cover insurance on your order for 1,000 computers for 150%of the invoice value,as it is our usual practice to take out insurance for 110%of the invoice value.In addition,it is stipulated in the S/C that in

14、surance is to be covered by Sellers for 10%above the invoice value against All Risks and War Risk with PICC.However,if you stick to your arrangement,we may manage on your behalf,but the extra premium should be for your account.We await your early reply.Key words studyI.Insurance,insureII.PolicyIII.c

15、over I.Insurance Insure 1.投保，办理保险Cover insuranceArrange insuranceEffect insuranceProvide insuranceTake out insurance 2.Useful phrasesInsurance agent 保险代理Insurance policy 保险单Insurance declaration 保险说明书Insurance amount/value保险金额Insurance premium 保险费Insurance claim 保险索赔Marine Insurance 海上保险Insurance co

16、verage 承保责任范围 3.说明情况时，说明情况时，insurance后介词的用法：后介词的用法：1.表示所保的货物，后接 on，如：insurance on the 100 tons of wool。2.表示投保的险别。后接 against。(exception:FPA,WPA)如：Insurance against all risks 3.表示保额。后接for 如:insurance for 110 of the invoice value 4.表示保险费或费率，后接at，如：insurance at a slightly higher premium;insurance at the

17、 rate of 55.表示向某保险公司投保，后接with，如：insurance with PICCWe have covered insurance on the 100 metric tons of wool for 110%of the invoice value against All Risks.4.Insure v.保险，投保1.及物：Please insure the goods on WPA terms2.不及物：Please insure against breakage.3.Insured amount:保额 insurance amount4.Insured cargo

18、/goods:投保的货物5.The insured:被保险人 II.Policy useful phrasesInsurance policy保险单Open policy预约保单，船名未确定保单Floating policy 流动保单Voyage policy航程保单Specific policy单独保单，船名确定保单Time policy定期保单III.cover Cover 1 n.保险We have arranged the necessary insurance cover.2 V.保险，投保 后可接所保的货物、和投保的险别、insurance 和被保险人。We shall cover

19、 the goods against All Risks.We shall cover All Risks and War Risk for you.Insurance is to be covered by the buyers.This insurance policy covers us against breakage.Coverage:保险范围Letter writing guild Language difficult to understand commercialese（商业用语）or clich（过时的说法）Technical or special words-necessa

20、ry sometimesFor the sake of convenience and also for the advantage of the buyers,induce them to cover insurance at our end by offering,suggesting,or implying a benefit TermsInsuranceFPA 平安险WPA 水渍险All RisksInsurance policyInsurance certificatePremiumExtra premium 额外保费Franchise 免赔额Insurer(Underwriter

21、or Insurance Company)A Debit Note(D/N)借方通知A Credit Note(C/N)贷方通知Extraneous Risks(Additional Risks)Warehouse to Warehouse Clause Invoice valueInsurance amountCoverage 险别Cover insuranceInsurance rateInsurance receipt 保险费收据Survey reportSurvey agent 调查机构Writing skills1.谈及该订单货物或合同货物2.介绍保险情况及惯例做法3.说明对该订货投

22、保的金额、险种及保险费或提出有关额外保费、附加险别的要求4.答复Sentences patterns句型1：办理保险1.Please insure FPA at your end.2.We generally insure WPA on CIF sales.3.Please cover the goods against War Risk.4.As our order was placed on a CIF basis,the insurance is to be arranged by you.5.We will effect insurance on your behalf.6.Pleas

23、e insure us on the following goods.7.We shall insure the goods for 110%of the invoice value.8.Insurance is to be covered by the sellers against All Risks for 110%of the invoice value with the PICC.句型2：赔偿1.If any damage to the goods occurs,a claim may be filed with the insurance agent at your end.2.W

24、e are sorry to learn that your goods were badly damaged during transit and the insurance company will compensate you for the loss according to the coverage arranged.3.An insurance claim should be submitted to the insurance company or its agents within 30 days after the arrival of the consignment at

25、the port of destination.4.Should any damage be incurred,you may approach the insurance agents on your side and submit an insurance claim supported by a survey report.In-class Exercise1.请注意上述货物需在请注意上述货物需在6月月15日前装运，并按发日前装运，并按发票金额票金额150投保一切险。我们知道按一般惯投保一切险。我们知道按一般惯例，你们只按发票金额例，你们只按发票金额110投保，因此额外投保，因此额外保险

26、费将由我们负担。保险费将由我们负担。2.在没有得到你方明确的保险要求情况下，我们在没有得到你方明确的保险要求情况下，我们按惯例把你所订购之货按发票金额按惯例把你所订购之货按发票金额110投保投保了水渍险。了水渍险。3、如你方希望将货物投保一切险，我们可以代、如你方希望将货物投保一切险，我们可以代为投保，但保费稍高，保费差额由你方负担。为投保，但保费稍高，保费差额由你方负担。4.如货物在到达目的港后需要立即转运至内陆城如货物在到达目的港后需要立即转运至内陆城市或其他港口，我们可以代你方投保内陆险，市或其他港口，我们可以代你方投保内陆险，额外保费将记在你方账上。额外保费将记在你方账上。Exerci

27、se1.有关保险的索赔案件应尽快提交保险公司或有关保险的索赔案件应尽快提交保险公司或其代理商以便他们有足够时间去向造成过错的其代理商以便他们有足够时间去向造成过错的有关方面进行追偿。有关方面进行追偿。2.我们遗憾地通知你们，发票所列第我们遗憾地通知你们，发票所列第8箱，内装箱，内装10台台打字机，在货到达时，其中打字机，在货到达时，其中8台严重受损。现附上上海台严重受损。现附上上海商品检验局所签发的检验证明和船公司代理人的报告商品检验局所签发的检验证明和船公司代理人的报告书，想必你方在解决我们上述书，想必你方在解决我们上述3000美元的索赔方面，美元的索赔方面，不会有困难。不会有困难。3.如果货物发生损坏，你方可在货到目的港如果货物发生损坏，你方可在货到目的港30天内凭公正天内凭公正行的检验报告与你处保险代理行联系并向他们提出索赔。行的检验报告与你处保险代理行联系并向他们提出索赔。Writing Write a letter to tell the exporter that eight typewriters under order No.4567 were damaged.Request the exporter to file claim against insurance company and deliver eight replacement typewriters.