外贸英语函电ChapterTenInsurance.ppt

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1、Different Insurance ClausesDifferent ways of expressing the insured amount Three basic RisksOther Additional RisksInsurance Policy/Certificate Open PolicyCoverageChapter Nine Insurance Main&Difficult PointsKey Wordsinsurance risk averagecover coverage openpolicy premium Sample LettersLetter 1 Taking

2、 out an open policy Language Points1.open policy 预约保单预约保单，船名未确定保单，船名未确定保单2.the Lloyd Insurance Company 劳埃德保险公司劳埃德保险公司the particulars of the full details of 的全部细节；的详细情况 3.the particulars 细节；详细情况细节；详细情况 4.intestine casing n.肠衣肠衣 effect an open policy with 与洽办预约保单 十七、八世纪末叶由爱得华劳埃德创办的一家咖啡馆，后来逐步发展成为海上保险和航

3、运业务的交易所。1871年以劳埃德公司的名义向政府注册，发展成为世界上最有影响的保险组织。它本身不承办保险业，其业务由参加该社取得会员资格的承保人办理。Language Points insurer insurer 保险人；保险商保险人；保险商 insurance company insurance company 保保险险公司公司 underwriter underwriter 保保险险商商 the insured the insured 被保险人；投保人被保险人；投保人 insurantinsurant 保险人；投保人保险人；投保人 assured assured 被保险人；投保人被保险人

4、；投保人 applicant applicant 投保申请人投保申请人 proposerproposer 投保申请人投保申请人 proposal form proposal form 投保申请单投保申请单5.underwriters n.保险人；保险商保险人；保险商 6.handsome adj.相当大的；可观的相当大的；可观的 a handsome sum of 一笔可观的金额 a large amount of 一笔可观的金额 Language Points1)1)保险费是根据投保险别的保险费率计算的。保险费是根据投保险别的保险费率计算的。The premium is calculated

5、 according to the premium rate or rates for risks to be covered.3)Insurance of the goods is to be covered by us for 110%of the CIF value,and any extra premium for additional insurance,if required,shall be borne by the buyers.premium rebate 保险费回扣premium tariff 保险费率表extra premium 额外保险费2)此种险别的保险费率是百分之一

6、。This risk is coverable at a premium of 1%.7.premium n.保险费保险费 货物的保险将由我方以CIF价的110%投保。如果要求投保附加险，额外保险费将由买方自理。8.8.rebate n.rebate n.回扣回扣回扣回扣 Language Points9.regarding prep.关于关于 1)现随函附上我方目前可供应的、主要商品的最新出口清单一份。We are enclosing the latest export list regarding the main items available at present.10.coverag

7、e n.承保范围；险别总称承保范围；险别总称 insurance coverage 保险范围 我方按发票金额的110%投保仅至目的港。1)Our insurance coverage is for 110%of invoice value up to the port of destination only.2)Kindly note that the insurance covers FPA and War Risks only.Should additional insurance coverage be required,the extra premium incurred would

8、be for the buyers account.请注意保险只包括平安险和战争险。如果要求投保附加险，所需额外保险费将由买方支付。11.11.The Peoples Insurance Company of China The Peoples Insurance Company of China 中国人民保险公司中国人民保险公司中国人民保险公司中国人民保险公司 缩写：缩写：缩写：缩写：PICCPICC Language Points12.Three Basis Risks：1.FPA（Free From Particular Average）平安险平安险2.WPA（With Particul

9、ar Average）水渍险水渍险3.All Risks 综合险；一切险综合险；一切险13.Other Additional Risks：Theft,Pilferage&Non-Delivery Risks(T.P.N.D)偷窃提货不着险Fresh and/or Rain Water Damage Risks 淡水雨淋险Shortage Risk=Risk of Shortage 短量险Intermixture&Contamination Risks 混杂，沾污险Leakage Risk=Risk of Leakage 渗漏险Clash&Breakage Risks 碰损，破碎险 Taint

10、of Odor Risk Taint of Odor Risk 串味险串味险 Sweating&Heating Sweating&Heating 受潮受热险受潮受热险 Hook Damage Risk Hook Damage Risk 钩损险钩损险 Rust Risk=Risk of Rust Rust Risk=Risk of Rust 锈损险锈损险 Breakage of Packing Risk Breakage of Packing Risk 包装破损险包装破损险 War Risk War Risk 战争险战争险 Strikes,Riots and Civil Commotions(S

11、.R.C.C.)Strikes,Riots and Civil Commotions(S.R.C.C.)罢工，暴动，民变险罢工，暴动，民变险 Language PointsPartial loss 部分损失Particular average 单独海损General average 共同海损Total loss 全部损失Actual total loss 实际全损Constructive total loss 推算全损 Chinese version of Letter 1执事先生：执事先生：感感谢谢你你方方七七月月十十二二日日来来函函按按CIFCIF条条件件报报来来500500公公吨吨肠肠衣

12、衣。然然而而很抱歉，我们宁愿你方按很抱歉，我们宁愿你方按CFRCFR条款给我方报价或报盘。条款给我方报价或报盘。顺顺便便告告知知，我我方方已已向向伦伦敦敦劳劳埃埃德德保保险险公公司司办办理理了了预预约约保保险险。货货物物一一经经装装运运，我我们们只只需需将将这这一一细细节节通通知知他他们们即即可可。此此外外，我我们们和和该该公公司司关关系系良良好好。通通常常我我们们定定期期地地从从该该保保险险商商那那里里收收到到一一笔笔可可观观的的保险费回扣。保险费回扣。同同时时，如如蒙蒙提提供供有有关关中中国国人人民民保保险险公公司司承承保保范范围围的的详详细细情情况况以供我方参考，将不胜感激。以供我方参考

13、，将不胜感激。谨呈，谨呈，Sample LettersLetter 2 Effecting insurance for the buyerLetter 2 Effecting insurance for the buyer Language Points1.insurance n.保险保险 insurance clause 保险条款insurance amount 保险额insurance claim 保险索赔insurance coverage 保险范围insurance policy 保险单,俗称大保单，正规保单insurance premium 保险费 insurance certifi

14、cate 保险凭证,俗称小保单insurance agent 保险代理人 insurance broker 保险代理人；保险经纪人insurance declaration 保险声明书；保险通知书insurance endorsement 保险批单air transportation insurance 航运运输保险marine insurance 海运险；水险；海上保险ocean marine cargo insurance 海洋运输货物保险overland transportation insurance 陆上运输保险parcel post insurance 邮包保险qq投保；办理保险的

15、表达法投保；办理保险的表达法投保；办理保险的表达法投保；办理保险的表达法 Language Pointsto arrange insurance on the goods against risk for 110%of invoice value with the insurer 与保险商就货物按发票金额的百分之十投保险to effect insurance to provide insuranceto take out insurance to cover insurance q insure v.保险保险to insure the goods against a risk to insur

16、e a risk to insure against a risk the insured the insured 被保险人被保险人 insured amount insured amount 保额保额 insured cargo insured cargo 投保货物投保货物 insured goods insured goods 投保货物投保货物 Language Pointsq Relative Expressions1)请投保一切险。Please insure against all risk.2)请投保平安险。Please insure FPA.3)我们已给这些货物投保水渍险。We h

17、ave insured the goods WPA.4)我们已注意到你方愿意按发票金额的10%投保。我们正在洽办中。We noted that you wish to insure shipment to you for 10%above invoice value，which is having our due attention.5)5)我们将为你方所订货物投保偷窃、提货不着险。我们将为你方所订货物投保偷窃、提货不着险。Language PointsWe shall cover TPND on your order.6)你方货物适合投保水渍险和破碎险。W.P.A.plus Risk of

18、Breakage suit your consignment.7)We prefer selling on CIF basis but for this transaction we would like you to effect insurance on your side.我们喜欢按CIF价格卖货，但对这笔交易我们希望由你方在你处投保。8)请投保一切险，因为水渍险范围太窄。Please insure against All Risks as W.P.A.is too narrow a coverage.2.2.for ones account for ones account 由由由由支

19、付支付支付支付 Language Pointsfor ones account to be borne byto be responsible1)额外运费由买方负担。The extra freight is to be for buyers account.2)这批货物是我们代我分公司购买的。We bought the goods for the account of our branch office.3)按常规，额外保险费应由买方负责。As a rule,the extra premium involved will be for buyers account.3.3.cover v.n.

20、cover v.n.保险保险保险保险 Language Pointscoverage n.承保范围；险别总称insurance coverage 保险范围to cover insurance 办理保险 to hold sth covered 办理保险 degree of cover 保险范围 extent pf cover 保险范围1)我们已办理了必要的保险。We have arranged the necessary insurance cover.2)保险将由买方办理。Insurance is to be covered by the buyers.3)对这种性质的货物只投保水渍险是不够的

21、，请加保偷窃提货不着险。W.P.A.coverage is too narrow for a shipment of this nature.Please extend the coverage to include TPND.除了水渍险和战争险外，你们还保其它险吗？除了水渍险和战争险外，你们还保其它险吗？Language Points4)Do you cover risks other than W.P.A.and War Risk?5)对离岸价格及成本加运费价格条件的卖货，保险由买方办理。For FOB and C&F sales,insurance is to be covered by

22、 buyers.4.accordingly adv.相应地；按照相应地；按照办理办理 1)As soon as we receive the above consignment we shall be in a position to assess our requirements with greater accuracy and place an order accordingly.一经收到上述货物，我们就能比较准确地决定我们的需求并提出相应的订货。5.debit note 借方通知；索款通知单借方通知；索款通知单 debit an amount to ones account 把一笔金额

23、记入某人帐户的借方debit ones account with an amount 把一笔金额记入某人帐户的借方1)His account with the Bank of China had been debited with the sum of$5 for half-yearly bank charges.中国银行把一笔五美元的帐记入他的帐户的借方，作为半年的银行手续费。Chinese version of Letter 2执事先生：执事先生：事由：你方第事由：你方第事由：你方第事由：你方第10231023号订单订购的号订单订购的号订单订购的号订单订购的500500箱玩具箱玩具箱玩具箱

24、玩具 你你方方七七月月二二十十三三日日来来函函收收悉悉，得得知知贵贵公公司司要要求求我我们们给给标标题题项项下的货物保险，费用由你方自理。下的货物保险，费用由你方自理。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 9，800800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连同我方保险费索款通知单一并寄给你方。底连同我方保险费索款通知单一并寄给你方。顺顺便便告告知知，我我们们正正在在安安排排将将这这500500箱箱玩玩具具装装运运到到八八月月十十二二日日起起航的航的“太湖太湖”轮上

25、。轮上。谨呈，谨呈，Sample LettersLetter 3 Asking the recipient to cancel breakage riskLetter 3 Asking the recipient to cancel breakage risk1.Additional/extraneous risk 附加险附加险 1)Risk of Breakage 破碎险 Language Points2.breakage 破碎险破碎险2)Risk of Breakage is classified under extraneous risks.破碎险属于一般附加险。3)We can cov

26、er the Risk of Breakage for you.我们可以为你们加保破碎险。3.Insurance item 保险条款保险条款/项目项目 Language Points4.Franchise 特权；免赔率特权；免赔率5.Survey v.鉴定；检查；核实鉴定；检查；核实To grant a franchise to.赋予特权赋予特权A franchise of 3%.免赔率免赔率3%Chinese version of Letter 3执事先生：附加险：破碎险附加险：破碎险 我方刚刚收到你方有关蜡光磁砖的第123号信用证。请注意第AD134号合同中的保险条款，我方对这种商品不投保

27、破碎险。因此，请你方从信用证条款中删除“破碎险”字样。此外，我们需指出的一点是诸如窗玻璃、瓷器之类的商品，即使已投保了破碎险，这种险别也有5%的免赔率。换言之，经调查核实，如果破碎率不足5%，则不予受理损失索赔。我们相信情况已经明确，请立即电传修改信用证。谨呈，Sample LettersLetter 4 Insurance company writes to insurerLetter 4 Insurance company writes to insurer1.Inform sb.of sth.告知某人某事告知某人某事 Language Points2.Extraneous risk 附加

28、险附加险3.Rate=insurance rate=premium rate 保险费率保险费率at the rate of 15%保险费率为保险费率为15%4.irrespective adv.不考虑、不顾及不考虑、不顾及 Language Points5.in the absence of sth.在没有在没有（的情况下）；在缺乏（的情况下）；在缺乏（的情况下）（的情况下）1)在买方没有具体要求的情况下，我们一般投保水渍险和战争险。6.definite instructions 明确指示明确指示 We usually cover insurance W.P.A and against War

29、 Risks in the absence of the buyers detailed requirements.Chinese version of Letter 4执事先生：你方6月18日来函收悉，现告知你方下列事宜：破碎险 破碎险属于附加险。通常，这一险别的保险费率为4%。如果你方想为货物投保此险，我方愿意安排（办理保险）。一切险 一切险是运输途中任何时间发生的一切损失。不管这些损失是发生在海上还是陆上。通常，在没有收到我方客户明确指示的情况下，我方投保水渍险和战争险。保险金额 我方为你方由“王子”轮从大连运往曼谷的型号为TX-26的彩电办理预约保险，货物价值50万美元，投保一切险按报

30、关价的120%投保。相信上述信息对你方会有帮助并等待早日收到你方来信。谨呈，Sample LettersLetter 5 Asking to cover insuranceLetter 5 Asking to cover insurance1.Cover v.投保；保险投保；保险 Language Points2.At 6%=at the insurance rate of 6%保险费率为保险费率为6%6%3.on sth.(the goods)为为投保投保4.Dock 码头码头5.S.S.Abbreviation of Steamer Ship 蒸汽机轮船蒸汽机轮船 Language Poi

31、nts6.Due to.预计预计 将将7.Be obliged to.对感激 Chinese version of Letter 5执事先生：如你方为我方150项电动吹风机投保，投保金额为78，800美元费率为6%，我方将不胜感激。这批货现置于湛江第39号码头，等待装到“东风”轮上，该轮预计于5月10日驶向汉堡。我方需要你方立即为货物投保至汉堡，并且，如果保险单一开出我方就能收到，将不胜感激。同时，请确认你方已将货物投保。谨呈，Sample Letters Letter 6 Arranging insurance Letter 6 Arranging insurance1.Insurance

32、certificate 保险凭证保险凭证 Language Points2.As requested 应你方要求应你方要求3.Enclose herewith sth.随函附上随函附上As requested,we will inform you of the date of dispatch immediately upon completing shipment按照你方要求，我们会在装运完成后立即将发货日期通知你方。按照你方要求，我们会在装运完成后立即将发货日期通知你方。In compliance with your wishes(ie As you have requested)we h

33、ave withdrawn our suggestion遵照你的要求我们已将建议撤销遵照你的要求我们已将建议撤销.4.In duplicate 一式两份type the document in duplicate 把这份文件打成一式两份Enclosed is our price list in duplicate随函附上我方报i价单一式两份。5.Acknowledge v.确认acknowledge(the receipt of)a letter 确认收到来信 Chinese version of Letter 6执事先生：我方第565457号保险凭证 感谢你方4月20日来函。应你方要求，现随

34、函附上我方第565457号保险凭证，一式两份，该保险凭证按中国人民保险公司条款为上述货物投保一切险。货物已装上“东风”轮，该轮预计约在2006年5月10日从湛江驶往汉堡。保险金额 我方为你方由“王子”轮从大连运往曼谷的型号为TX-26的彩电办理预约保险，货物价值50万美元，投保一切险按报关价的120%投保。请确认收到本保险凭证。谨呈，Skill Training Dear sirs,Re:InsuranceIn reply to your letter of April 20 regarding insurance,we would like to advise you of the foll

35、owing:Usually,it is our practice to cover the goods sold on CIF terms against All Risks for 110%of the invoice value in the absence of definite instructions from the customers.If you require broader coverage,we can also arrange for that on condition that the extra premium is for your account.Yours f

36、aithfully,.Complete Complete the the sentences sentences with with the the appropriate appropriate words words given given belowbelow：1.Please against All Risks.2.This insurance policy us against TPND.3.We will WPA insurance.cover，covered，covers，covering，coverage，insure，insurance，effected4.The docum

37、ents 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.insurecoverscovercovercoveredcovering7.We have pleasure in advising shipment of your Order No.2354 50 _metric tons

38、 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 insurance,the is for 110%of invoice value up to the port of destination.c

39、overingcovered/effectedcoverage/insuranceeffected/coveredinsurancecoverage.Fill in the blanks with the appropriate words：1.We regret our inability to with the buyers request for covering insurance for 150%of the invoice value,because our contract stipulated that the goods should be covered for 110%o

40、f invoice value.2.Since the premium varies with the extent of ,extra premium is for buyers account,should additional risks be .3.Should damage occur,you may put in a claim within 30 days after the arrival of the consignment.4.Regarding insurance,the coverage is 110%of invoice value up to the port of

41、 destination only.5.Buyers request for insurance to be covered up to the Island city can be accepted on condition that such extra premium is for account.6.We regret being unable to agree to the buyers request as stated in the L/C stipulations for insurance to be covered up to the inland city because

42、 our price is on CIF DplycoveragecoveredanyforBuyersbased.Translate the following sentences into English: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.请给合同投保平安险和战争险。Please insure FPA and against War Risk on the contract.3.我们将按一般惯例投保水

43、渍险和战争险。We shall cover WPA and against War Risk according to the usual practice.4.这份保单给我们保了破碎险。The insurance policy covers us against Breakage.5.由于合同规定按发票金额的110%投保，如你方要求按130%投保，额外保费应由你方负担。As the contract stipulates that insurance should cover 110%of the invoice value,if you desire to cover insurance for 130%instead,the extra premium should be for your account.