外贸英语函电Unit10Insurance.ppt

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1、Unit 10 InsuranceContent oIntroduction oBackground informationoCase studynCase 1nUseful phrasesnExercises.The purpose of insuranceo to provide compensation for those who suffer from loss or damage.oIt is a contract of indemnity.Parties involved in insurancethe insurer the party who agree to accept t

2、he riskthe insured the party seeking protection from the risk the beneficiary can be same person the party who will get the compensation when any loss occur oInsurance policy 保险单保险单nContract between the insurer and the insuredoInsurance premium nThe sum of money the insured agrees to pay the insurer

3、 for an insurance policyoInsurance amountBackground informationoMarine risk oAverage oCoverage o风险：风险：risks,perils total losso损失：损失：losses particular average partial loss (单独海损）单独海损）general average （共同海损）（共同海损）o险别：险别：risks,perils,coverages 保险公司按照不同保险公司按照不同险别包括的包括的风险所造成的所造成的损失和发生的费用承担和发生的费用承担赔偿责任，所以在

4、保险业务中赔偿责任，所以在保险业务中风险、损失和和险别三者有着紧密的联系，三者有着紧密的联系，为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解。的理解。海上风险海上风险海上风险海上风险Perils of Perils of the Seathe Sea外来风险外来风险外来风险外来风险Extraneous Extraneous RisksRisks自然灾害自然灾害自然灾害自然灾害(Natural Calamity)(Natural Calamity)意外事故意外事故意外事故意外事故(Fortuitous (Fort

5、uitous accidents)accidents)一般外来风险一般外来风险一般外来风险一般外来风险General Extraneous RisksGeneral Extraneous Risks特殊外来风险特殊外来风险特殊外来风险特殊外来风险Special Extraneous RisksSpecial Extraneous Risks风险风险风险风险RisksRisks损失损失损失损失LossesLosses海上海上海上海上损失损失损失损失其他其他其他其他损失损失损失损失全部损全部损全部损全部损失失失失Total Total LossLoss实际全损实际全损实际全损实际全损Actual

6、Total Actual Total LossLoss推定全损推定全损推定全损推定全损 Constructive Total Constructive Total LossLoss部分损失部分损失部分损失部分损失Partial Partial LossLoss共同海损共同海损共同海损共同海损General Average General Average 单独海损单独海损单独海损单独海损Particular AverageParticular Average一般外来损失一般外来损失一般外来损失一般外来损失特殊外来损失特殊外来损失特殊外来损失特殊外来损失基基本本险险平安险平安险F.P.A(Free

7、 From Particular Average)水渍险水渍险W.P.A(With Particular Average)一切险一切险All Risks附附加加险险一一般般 附附加加险险偷窃，提货不着险偷窃，提货不着险T.P.N.D.(Theft,Pilferage&Non-delivery)淡水雨淋险淡水雨淋险F.W.R.D.(Fresh Water&/or Rain Damage)短量险短量险(Risk of Shortage)混杂，玷污险混杂，玷污险(Risk of Intermixture and Contamination)渗漏险渗漏险(Risk of Leakage)碰损，破碎险碰

8、损，破碎险(Risk of Clash and Breakage)钩损险钩损险(Hook Damage)受潮受热险受潮受热险(Damage Caused by Sweating and Heating)包装破裂险包装破裂险(Breakage of Packing)串味险串味险(Risk of Odour)锈损险锈损险(Risk of Rust)特特殊殊附附加加险险战争险战争险(War Risk)罢工险罢工险(Strikes Risk)交货不到险交货不到险(Failure to Delivery)进口关税险进口关税险(Import Duty Risk)舱面险舱面险(On Deck Risk)拒收

9、险拒收险(Rejection Risk)黄曲霉素险黄曲霉素险(Aflatoxin Risk)Marine riskoPerils of the sea(海上风险海上风险)nnatural calamities:nfortuitous accidentsoExtraneous risksPerils of the seaonatural calamities:nheavy weather,lightening,earthquake,volcanic eruption and so on.ofortuitous accidents:nfire,explosion,vessel being stra

10、nded,grounded,sunk or capsized,collision or contact of vessel with any external object other than waterHeavy weatherlighteningearthquakeVolcanic eruptionTunami（海啸）Natural CalamitiesFortuitous accidentsfireexplosioncollisionStranded触礁sunkGrounded搁浅Extraneous risksoGeneral Extraneous Risks:ntheft and

11、pilferage,contamination,leakage,breakage,sweating and/or heating,taint of odor,rusting,hook damage,fresh and/or rain water damage,short-delivery and non-delivery,shortage in weight,clashing and so on.oSpecial Extraneous Risks:nwar,strike,failure to deliver due to some special laws or regulations.Ave

12、rage oTotal loss:nActual Total Loss(实际全损实际全损)n Constructive Total Loss(推定全损推定全损)oPartial loss:nGeneral Average(共同海损共同海损)nParticular Average(单独海损单独海损)Partial loss o1.General averagenIt is a loss resulting from a voluntary sacrifice or expenditure in time of peril,for the safety of hull,cargo and frei

13、ght.o2.Particular average:nIt means partial loss or damage accidentally caused to the ship or to a particular lot of goods.Particular average is not a total loss.It must be borne by the owner of the property suffering the loss,it is distinct from general average,which is shared by all who have a fin

14、ancial interest in the voyage and its risks in proportion to the value of their interests.Coverage obasic risksFree from Particular Average(F.P.A)With Particular Average or With Average(W.P.A or W.A)All Risksoadditional risksngeneral additional risksnspecial additional riskBasic risksoFree from Part

15、icular Average平安险平安险（F.P.A）n范围较窄，只提供实际海损所引起的全损及共同范围较窄，只提供实际海损所引起的全损及共同海损的赔偿。不承担单独海损的赔偿海损的赔偿。不承担单独海损的赔偿oWith Particular Average（WPA）n水渍险水渍险n水渍险对整个保险期间内由海难引起的全部损水渍险对整个保险期间内由海难引起的全部损失或损坏提供广泛保险失或损坏提供广泛保险oAll Risks(AR)一切险一切险n不管是海难还是一般外来险原因所造成的被保不管是海难还是一般外来险原因所造成的被保之物的全损或部分损失的赔偿责任之物的全损或部分损失的赔偿责任o包括共同海损和单独

16、海损责任包括共同海损和单独海损责任o外来原因造成的短少，短量，渗漏，碰碎，钩损，外来原因造成的短少，短量，渗漏，碰碎，钩损，雨淋，生锈，受潮，受热，发霉，窜味，玷污等全雨淋，生锈，受潮，受热，发霉，窜味，玷污等全部或部分损失也负责赔偿部或部分损失也负责赔偿o不包括战争险，不合格包装，内在缺点等不包括战争险，不合格包装，内在缺点等Additional risksogeneral additional risksn偷窃提货不着险（偷窃提货不着险（Theft,Pilferage and Non-delivery缩缩），淡水雨淋），淡水雨淋（Fresh Water&/or Rain Damage），短

17、量（），短量（Risk of Shortage）,混杂玷污险混杂玷污险（Risk of Intermixture and Contamination）,渗漏险（渗漏险（Risk of Leakage）,碰损破碎险（碰损破碎险（Risk of Clash and Breakage）ospecial additional riskn战争险（战争险（War Risk）,罢工险罢工险(Strikes Risk),交货不交货不到险（到险（Failure to Delivery）,进口关税险进口关税险(Import Duty Risk),舱面险舱面险(On Deck Risk),拒收险拒收险(Reject

18、ion Risk)和黄曲霉素险和黄曲霉素险(Aflatoxin).Case 1oWhich party is this letter written by?oWhat is his requirement?Why?oWhich company does he choose?Why?oWhat other information is he asking for?oOn CFR terms按按报价报价oTake out 出具出具oAn open policy 预约保险单预约保险单oThe Lloyd Insurance Companyn劳埃德保险公司劳埃德保险公司oOn good terms w

19、ith sb 交往甚好交往甚好oUnderwriteroPremium rebateoPICCnThe People,s Insurance Company of China 1.Insurance Policy(保险单,俗称大保单)2.Insurance Certificate(保险凭证，俗称小保单）3.Open Policy/Open Cover(预约保险单/总保险单)3 Forms of Marine Insurance Documents.1.保险单Insurance Policy o保险单是保险人已接受保险的正式凭证，俗称“大保单”，也是保险人和被保险人之间订契约的证明。2.预约保单

20、Open Policy o预约保险单它是保险人承保被保险人在一定时期内分批发运的货物所出立的保险单。在预约保险单内，载明保险货物的范围、险别，保险费率、每批运输货物的最高保险金额以及保险费的结算办理等。3.保险凭证Insurance Certificate o保险凭证是保险人对货物已接受保险的一种证明文件，俗称“小保单”，是简化的保险单，保险凭证仅载明被保险人名称、被保险货物名称及数量、船名、航程、开航日期、险别、保险期限和保险金额等必要的项目，而对保险公司与被保险人的权利和义务则不予载明。保险凭证与保险单具有同等效力。Useful phrases1.cover insurance on ag

21、ainst eg.We cover insurance on the goods for 110%of the invoice value against All Risks and War Risk.Similar phrase：cover,arrange insurance,effect insurance,provide/take out insurance eg.For this contract,we would like you to arrange insurance at your end.o表所保的货物，后接表所保的货物，后接OnnInsurance on the 100to

22、ns of woolo表投保的险别，表投保的险别，+againstnInsurance against all riskso保额保额+fornInsurance for 110%of the invoice valueo保费率保费率+atnInsurance at the rate of o向某保险公司投保向某保险公司投保+withnInsurance with PICCInsure 的用法的用法oVt.Insure sth./a riskoVi.Insure against a riskCover 的用法的用法oVt.nCover insurancenCover a riskoCover A

23、ll Risks and War RisksnCover sth./sb.against a riskoCover the goods against All RisksoCover us against BreakageoPremiumoat a premium of oeg.This kind of additional risk is coverable at a premium of 2%.oThe premium is for buyers accountoeg.Under different trade terms,the insurance charge can go for b

24、uyers account or the sellers account.oSimilar phrase：oto be borne by the buyero to be charged to the buyers accountVocabulary oinsurance agent 保险代理人保险代理人 insurance broker 保险经纪人保险经纪人 oinsurance certificate 保险凭证保险凭证 insurance commission 保险佣保险佣金金 oinsurance market 保险市场保险市场 insurance policy 保险单保险单oinsur

25、ance amount 保险金额保险金额 oinsurance coverage 保险范围保险范围 oinsurance company 保险公司保险公司 oinsurance clause 保险条款保险条款 o insurance instruction 投保通知投保通知 oinsurance business 保险企业保险企业oinsurance conditions 保险条件保险条件Exerciseso根据你方要求，我们将按发票金额的根据你方要求，我们将按发票金额的110%投保投保o请给合同投保平安险和战争险请给合同投保平安险和战争险o这份保单给我们保了破碎险这份保单给我们保了破碎险o我

26、们向中国人民保险公司办理投保一切险，我们向中国人民保险公司办理投保一切险，保险金额为人民币保险金额为人民币5500元。元。o根据你方要求，我们将按发票金额的根据你方要求，我们将按发票金额的110%投保投保nWe shall cover insurance for 110%of the invoice value in accordance with your request.o请给合同投保平安险和战争险请给合同投保平安险和战争险nPlease insure FPA and against War Risks on the contract.o这份保单给我们保了破碎险这份保单给我们保了破碎险nThe insurance policy covers us against Breakage.o我们向中国人民保险公司办理投保一切险，保险金额为人民币我们向中国人民保险公司办理投保一切险，保险金额为人民币5500元。元。nWe insure the goods for RMB5500 against All Risks with PICC.