unit13 Insurance.ppt

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1、InsuranceLearning objectives:By studying this unit,you will be able to:Know why and how to insure goods and what insurance letters concernKnow the essential components of a letter concerning insuranceMaster typical sentences and expressions in writing such letterTypes of International cargo transpor

2、t insurance 国际货物运输保险种类国际货物运输保险种类Airtransportationinsurance航空运输保险航空运输保险Overlandtransportationinsurance陆运险陆运险Parcelpostinsurance邮包运输险邮包运输险Marineinsurance水险，海运险水险，海运险1.ChinaInsuranceClauses中国保险条款（中国保险条款（C.I.C）(madebyPICC)Ocean Marine Cargo Clauses 中国海洋运输货物保险条款中国海洋运输货物保险条款 （OMCC）2.InstituteCargoClauses协

3、会货物保险条款协会货物保险条款（I.C.C）ICC(A)Institute War clauses-Cargo ICC(B)Institute Strike clauses-Cargo ICC(C)Malicious Damage Clause 恶意损害险条款恶意损害险条款 Insurance Clauses 保险条款保险条款Two types of basic and additional risksThree types of the basic insurance covers in marine insurance:FPA(Free of Particular Average),WA(

4、With Average)and All Risks.Two types of additional insurance:General Additional Risks and Special Additional Risks.1.Basic Risks 基本险：基本险：FPA(Free from Particular Average)平安险平安险WA or WPA(With average or With Particular Average)水渍险水渍险All Risks 一切险，综合险一切险，综合险2.General Additional Risk 一般附加险一般附加险3.Specia

5、l Additional Risk特殊附加险特殊附加险War Risk 战争险战争险S.R.R.C(strikes,Riots,Civil Commotions)罢工、暴动、民变罢工、暴动、民变险险Import Duty Risk 进口关税险进口关税险Rejection Risk 拒收险拒收险Failure to Deliver Risk 交货不到险交货不到险Insurance CoverageGeneral additional risks(一般附加险一般附加险）Theft,Pilferage&Non-DeliveryRisks(T.P.N.D)偷窃提货不着险偷窃提货不着险Freshand/

6、orRainWaterDamageRisks(FWRD)淡水雨淋险淡水雨淋险ShortageRisk=RiskofShortage短量险短量险Intermixture&ContaminationRisks混杂，沾混杂，沾污险污险LeakageRisk=RiskofLeakage渗漏险渗漏险Clash&BreakageRisks碰损，破碎险碰损，破碎险TaintofOdorRisk串味险串味险Sweating&Heating受潮受热险受潮受热险HookDamageRisk钩损险钩损险RustRisk=RiskofRust锈损险锈损险BreakageofPackingRisk包装破损险包装破损险S

7、ome usual practice of insurance in the international tradeUnder the terms of FOB and CFR,the importer is responsible for insurance up to the port of destination.Under the terms of CIF,the exporter insures the goods.The procedure of covering insurance Complete a proposal form submit to the insurance

8、company the insurance company accepts the proposal the insurance company issues an insurance policyPhrases and expressions insuranceinsuranceclause保险条款保险条款insurancecoverage保险范围保险范围/险别险别insuranceamount保险额保险额insurancepremium保险费保险费Underwriter 保险商保险商Insurance company 保险公司保险公司theinsured被保险人被保险人insuredcar

9、go/goods投保货物投保货物insurancedeclaration保险声明书；保险通知书保险声明书；保险通知书insurancepolicy保保险险单单,俗俗称称大大保保单单，正正规规保保单单insurancecertificate保保险险凭凭证证,分分保保单单，俗俗称称小小保单保单-简式保单简式保单coverage n.承保范围；险别总称承保范围；险别总称我方按发票金额的我方按发票金额的110%投保仅至目的港。投保仅至目的港。1)Ourinsurancecoverageisfor110%ofinvoicevalueuptotheportofdestinationonly.3)W.P.A

10、.coverageistoonarrowforashipmentofthisnature.PleaseextendthecoveragetoincludeTPND.对对这这种种性性质质的的货货物物只只投投保保水水渍渍险险是是不不够够的的，请请加保偷窃提货不着险。加保偷窃提货不着险。premium n.保险费保险费货物的保险将由我方以货物的保险将由我方以CIF价的价的110%投保。如果投保。如果要求投保附加险，额外保险费将由买方自理。要求投保附加险，额外保险费将由买方自理。3)Insurance of the goods is to be covered by us for 110%of the

11、 CIF value,and any extra premium for additional insurance,if required,shall be borne by the buyers.Premiumrate保险费率保险费率premiumrebate保险费回扣保险费回扣premiumtariff保险费率表保险费率表extrapremium额外保险费额外保险费投保；办理保险的表达法投保；办理保险的表达法 toinsure+(against)险别险别toinsure(cover)sb.onsth.为为.投保投保toinsure(cover)sth.against(for,with,at

12、).coverEffectArrangeTake outProvide Issue On.(货物货物/贸易术语）贸易术语）For(保险金额）保险金额）At （保险费率）（保险费率）Against(保险险别）保险险别）WPA/FPA前不用With (保险公司）保险公司）By (投保人）投保人）InsuranceSamples:Please take out(.)insurance(.coverage)on(of)the goods(shipment/consignment/order)against All Risk()for us(for our account/on our behalf)w

13、ith(name)Insurance Company for the sum of US$.(for.)at the rate of.%translation:1.根据你方要求，我们将按发票金额的110%投保。We shall cover insurance for 110%of the invoice value in accordance with your request.2.我们将按一般惯例投保水渍险和战争险。We shall cover WPA and against War Risk according to the usual practice.Theinsurancepolic

14、ycoversusagainstBreakage.这份保单给我们保了破碎险这份保单给我们保了破碎险保保 险险 单单保险单号码：118765 兹证明中国轻工产品进出口公司上海分公司向本公司投保：总保险金额总保险金额：100，000美元整 投保货物投保货物：5，000 台“蝴蝶”牌缝纫机 自上海港至纽约港 装载工具装载工具：和平轮 启航日期启航日期：1996年5月20日 承保险别承保险别：一切险 如有损坏，由检验行查勘，在上海理赔。在上海理赔。本保险单一式二份19961996年年5 5月月7 7日日于上海开具。中国人民保险公司上海分公司insurancepolicyInsurance Policy

15、InsurancePolicyInvoiceNo.1234PolicyNo.118765ThisistocertifythatthisCompanyhasinsuredonbehalfofChinaNationalLightIndustrialProductsImport&ExportCorp,ShanghaiBranch.ThesumofUSdollarsOneHundredThousandonly.UponFiveThousandsets“Butterfly”SewingMachines.At&fromShanghaitoNewYork.Shiporvessel:S/S“Peace”.Sa

16、ilingonoraboutMay20,1996.CoveringAllRisks.In the event of damage,to be surveyed by JohnsonSurveyCo.andclaimspayableatShanghai.ThispolicyisissuedinduplicateatShanghaionthe7thdayofMayintheyearonethousandninehundredninetysix.ThePeoplesInsuranceCompanyofChinaShanghaiBranch(Manager)Chineseversionofthelet

17、tersample执事先生：事由：保险事由：保险 兹答复你方二月二十四日关于保险事宜的来函。我方愿意告知你方下列事宜：你你客客户户要要求求投投保保到到内内陆陆城城市市的的请请求求可可以以接接受受，但但条条件件是是由此而导致的额外保险费由买方自行负担。由此而导致的额外保险费由买方自行负担。(yourcustomersrequestforinsurancecoverageuptoinlandisacceptableonconditionthatsuchextrapremiumisforhisaccount.)在客户没有明确指示的情况下，我们一般投保水渍险和战争险。倘若你方想投保战争险，我们可以提供

18、这种险别，但保险费率能稍高一些。Generallywe cover insurance WPA and War Risk in theabsenceofdefiniteinstructionsfromourclients.Ifyouwanttocover All Risks,we can provide such coverage at a slightlyhigherpremium.Chineseversionoftheletter由由于于破破碎碎险险是是一一种种特特殊殊险险别别，必必须须收收取取额额外外保保费费。现现行行费费率率为为0.7%。索索赔赔赔偿只赔偿超过赔偿只赔偿超过5%的那部分

19、的那部分。Breakageisaspecialrisk，forwhichan extra premium will have to becharged.The present rate is about0.7%.Claimsarepayableonlyforthatpartoftheloss,thatisover5%.Chineseversionoftheletter关关于于保保险险价价值值，我我们们不不能能同同意意你你方方按按发发票票金金额额150%投投保保的的要要求求，因因为为合合同同规规定定保保险险是按按发票金额是按按发票金额110%投保投保。Wecantgrantyouinsuranc

20、ecoveragefor150%of the invoice value,because thecontractstipulatesthatinsuranceistobecoveredfor110%ofinvoicevalue.相相信信上上述述信信息息对对你你方方会会有有帮帮助助并并等等待待你方进一步的消息。你方进一步的消息。We trust the above information will behelpfulandawaityourfurthernews.Yourstruly,oneconditionsellerbuy,buyerpayParagraph One:identifying

21、the referenceParagraph Two:informing the buyer that they have effected insurance for buyers accountParagraph Three:the closing sentence of the letterChineseversionoftheletter执事先生：事由：你方第事由：你方第1023号订单订购的号订单订购的500箱玩具箱玩具 你方七月二十三日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。Wehavereceivedyourletterdated23Julyrequest

22、ingustoeffectinsuranceon the captioned shipment for youraccountChineseversionoftheletter兹兹欣欣然然通通知知你你方方：我我们们已已与与中中国国人人民民保保险险公公司司就就上上述述货货物物投投保保了了一一切切险险，金金额额为为9，800美美元元。保保险险单单正正在在缮缮制制中中并并将将在在本本月月底底连连同同我我方方保保险险费费索索款款通通知知单单一一并并寄寄给给你方。你方。We are pleased to inform you that we havecovered the above shipment

23、with the PeoplesInsuranceCompanyofChinaagainstAllRisksfor$9,800.Thepolicyisbeingpreparedaccordinglyandwillbesenttoyoubytheendofthisweektogetherwithourdebitnoteforthepremium.顺顺便便告告知知，我我们们正正在在安安排排将将这这500箱箱玩玩具具装装运运到到八八月十二日起航的月十二日起航的“太湖太湖”轮上。轮上。谨呈，Translation 如果没有你们的明确指示，我们将按一如果没有你们的明确指示，我们将按一般惯例投水渍险和战争

24、险。般惯例投水渍险和战争险。wecoverinsuranceWPAandWarRiskaccordingtotheusualtermsintheabsenceofdefiniteinstructionsfromourclientsPracticeLessonsI.Completethesentenceswiththeappropriatewordsgivenbelow：1.Please against All Risks.2.This insurance policy us against TPND.3.We will WPA insurance.cover，covered，covers，co

25、vering，coverage，insure，insurance，effected4.The documents will be sent to you under separate .5.We have to point out that our letter of March 11 has fully this matter.6.We send you herewith a copy of B/L shipment of 50 metric tons Walnuts.insurecoverscovercovercoveredcovering PracticeLessons7.We have

26、 pleasure in advising shipment of your Order No.2354 50 _metric tons of Small Red Beans.8.Insurance on the goods shall be by us for 110%of the CIF value.9.We shall provide such at your cost.10.Insurance is to be by the buyers under FOB terms.11.We have arranged the necessary cover.12.Regarding insur

27、ance,the is for 110%of invoice value up to the port of destination.cover，covered，covers，covering，coverage，insure，insurance，effectedcoveringcovered/effectedcoverage/insuranceeffected/coveredinsurancecoveragePractice:the letter should include the following points 1.感谢对方七月十二日来函，当中按CIF条件报来500公吨肠衣Intesti

28、ne Casing。但是我方只愿接受CFR的报价。2.告知对方我方已向伦敦劳埃德保险公司the Lloyd Insurance Company办理了预约保险。一旦对方货物一经装运，只需将这一细节通知他们即可。3.告知对方我们和该公司关系良好。通常我们定期地从该保险商那里收到一笔可观的保险费回扣。4.希望对方能够提供有关中国人民保险公司承保范围的详细情况以供我方参考。key for your referenceDear Sir,We thank you for your letter of July 12,quoting us 500 metric tons of Intestine Casin

29、g on CIF terms.With regard to this transaction,however,we prefer to have your offers on CFR terms.For your information,we have taken out an open policy with the Lloyd Insurance Company,London.When a shipment is made we shall inform the company of the particulars for certain.Furthermore,we usually re

30、ceive from our underwriters quite a handsome premium rebate at regular intervals.In the meantime,would you please supply us with full details regarding the scope of coverage handled by the Peoples Insurance Company of China for our reference?We look forward to hearing further from you at an early da

31、te.Yours faithfully,WritealettertotelltheexporterthateighttypewritersunderorderNo.4567weredamaged.Requesttheexportertofileclaimagainstinsurancecompanyanddelivereightreplacementtypewriters.Specimen letters Dear sirs,When the S.S.“Prince”arrived at Singapore on 16 June,it was noticed that one side of

32、case No.7 containing the“Fish”Typewriters was split.We therefore had the case opened and the contents examined by a local insurance surveyor in the presence of the shipping companys agents.The case was invoiced as containing ten typewriters,eight of which were badly damaged.We enclose the surveyors

33、report and the shipping agents statement.As you hold the insurance policy we should be grateful if you would take the matter up for us with the insurers.Eight replacement typewriters will be required.Please arrange to supply these and charge to our account.We hope no difficulty will arise in connection with the insurance claim and thank you in advance for your trouble on our behalf.Yours faithfully