unit 9 insurance

1、Unit 8 InsuranceZMC Unit 8 Insurance 保險(xiǎn)保險(xiǎn)Unit Eight InsuranceZMCObjectivesObjectives Upon completion of this chapter, the students should: nbe familiar with the risks frequently used;nbe able to use the words and expressions widely used in insurance;nbe able to discuss the insurance terms with forei

2、gn companies. Unit Eight InsuranceZMC Who will effect insurance?Who will effect insurance? Usually insurance is arranged by the exporter or the importer approaching an insurance company, which has a department specializing in cargo insurance. Who will effect insurance depends on the particular trade

3、 terms adopted. Related KnowledgeUnit Eight InsuranceZMC Under CIF terms, it is the seller who arranges insurance with an insurance company. Under the terms of FOB, CFR, etc., the buyer effects insurance, but he may ask the seller to arrange insurance on behalf of the buyer. Unit Eight InsuranceZMCn

4、The purpose of insurance: to provide compensation for those who suffer from loss or damage. nIt is a contract of indemnityGeneral of InsuranceGeneral of InsuranceUnit Eight InsuranceZMC（1）FPA（Free from Particular Average） 平安險(xiǎn)平安險(xiǎn)（2）WA or WPA（With Average or With Particular Average） 水漬險(xiǎn)水漬險(xiǎn)（3）All Risks

5、 一切險(xiǎn)一切險(xiǎn)（4）TPND（Theft, Pilferage & Non-delivery） 偷竊、提貨不著險(xiǎn)偷竊、提貨不著險(xiǎn)（5）Fresh and/or Rain Water Damage Risk 淡水雨淋險(xiǎn)淡水雨淋險(xiǎn)Types of insurance coverage provided by Types of insurance coverage provided by the Peoples Insurance Company of Chinathe Peoples Insurance Company of ChinaUnit Eight InsuranceZMC（6）S

6、hortage Risk 缺量險(xiǎn)缺量險(xiǎn)（7）Intermixture & Contamination Risks 混雜玷污險(xiǎn)混雜玷污險(xiǎn)（8）Leakage Risk 滲漏險(xiǎn)滲漏險(xiǎn)（9）Clash & Breakage Risks 破損破碎險(xiǎn)破損破碎險(xiǎn)（10）Taint of Odour Risk 串味險(xiǎn)串味險(xiǎn)（11）Sweating & Heating Damage 受潮受熱險(xiǎn)受潮受熱險(xiǎn)（12）Hook Damage Risk 鉤損險(xiǎn)鉤損險(xiǎn)（13）Rust Risk 銹損險(xiǎn)銹損險(xiǎn)（14）Breakage of Packing Risk 包裝破裂險(xiǎn)包裝破裂險(xiǎn)Types o

7、f insurance coverage provided by Types of insurance coverage provided by the Peoples Insurance Company of Chinathe Peoples Insurance Company of ChinaUnit Eight InsuranceZMCRelated KnowledgeRelated KnowledgeParties involvedninsured napplicant ninsurer ninsurance agent 1.insurance broker 被保險(xiǎn)人被保險(xiǎn)人 投保人投

8、保人 保險(xiǎn)人保險(xiǎn)人 保險(xiǎn)代理人保險(xiǎn)代理人 保險(xiǎn)經(jīng)紀(jì)人保險(xiǎn)經(jīng)紀(jì)人 Unit Eight InsuranceZMCnMoney involved in insuranceninsured amount npremium nInsurance Documentsninsurance policy or Policy1.insurance certificate 保險(xiǎn)金額保險(xiǎn)金額 保險(xiǎn)費(fèi)保險(xiǎn)費(fèi) 保險(xiǎn)單保險(xiǎn)單 保險(xiǎn)憑證保險(xiǎn)憑證 Unit Eight InsuranceZMCTell the words from their definitions given belownA person or comp

9、any that purchases insurance nA written agreement between an insurance company and policyholder nSum of money paid regularly to an insurance company in exchange of protection against the specified undesired event the applicantinsurance policy insurance premium Unit Eight InsuranceZMCnA company that

10、sells insurance nUsually computed by adding the invoice cost, guaranteed freight, other costs, and insurance premium plus a percentage, commonly 10%. This usually represents landed value. insurer insured amount Unit Eight InsuranceZMCn保險(xiǎn)代理人保險(xiǎn)代理人 是指代表保險(xiǎn)公司招攬和經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)的是指代表保險(xiǎn)公司招攬和經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)的組織和個(gè)人。其行為所產(chǎn)生的權(quán)利，義務(wù)

11、，后組織和個(gè)人。其行為所產(chǎn)生的權(quán)利，義務(wù)，后果直接由保險(xiǎn)人承擔(dān)。果直接由保險(xiǎn)人承擔(dān)。n保險(xiǎn)經(jīng)紀(jì)人保險(xiǎn)經(jīng)紀(jì)人 是指基于投保人的利益，為投保人與保險(xiǎn)是指基于投保人的利益，為投保人與保險(xiǎn)人定立保險(xiǎn)合同提供中介服務(wù)，并依法收取傭人定立保險(xiǎn)合同提供中介服務(wù)，并依法收取傭金的單位。金的單位。 Unit Eight InsuranceZMCLetter-writing GuideA letter for the said purpose is likely to contain:（1）asking for insurance arrangement.（2）replying to an insurance a

12、pplication.（3）asking for extra insurance.（4）clarification of insurance terms.Unit Eight InsuranceZMCLetter-writing GuidenAs for insurance, if the buyer intends to do business on CFR or FOB, never force them to accept CIF terms. However, we may induce them to cover insurance at our end by offering, s

13、uggesting, or implying a benefit for the sake of convenience and also for the advantage of the buyer. Unit 8 InsuranceZMC Unit 8 InsuranceZMC 1. 與與insurance 有關(guān)的一些短語(yǔ)有關(guān)的一些短語(yǔ)( (1) )與與on 連用，表示投保的貨物：連用，表示投保的貨物：insurance on 100 tons of cotton( (2) )與與against 連用，表示投保的類(lèi)別：連用，表示投保的類(lèi)別：insurance against war ris

14、k( (3) )與與at 連用，表示保費(fèi)或費(fèi)率：連用，表示保費(fèi)或費(fèi)率：insurance at the rate of 10%, insurance at a lower premium( (4) )與與 with 連用，表示向保險(xiǎn)公司投保：連用，表示向保險(xiǎn)公司投保：insurance with Xinhua Life Insurance Company of ChinaUnit Eight InsuranceZMC(5) 在表示在表示“投保投?！薄啊薄稗k理保險(xiǎn)辦理保險(xiǎn)”時(shí)，常與時(shí)，常與insurance 搭配的動(dòng)詞或動(dòng)詞詞組有：搭配的動(dòng)詞或動(dòng)詞詞組有： arrange insurance c

15、over insurance effect insurance provide insurance take out insuranceUnit Eight InsuranceZMCcover/insure the goods nagainst + risks nfor + insurance amount nwith + insurer險(xiǎn)別險(xiǎn)別 投保金額投保金額保險(xiǎn)人保險(xiǎn)人cover the insurance effect insuranceon + 商品商品Unit Eight InsuranceZMCcover/insure the goodsnWe have covered the

16、goods against F.P.A. for the amount of $ 30,000 with PICC.nPlease cover insurance on this shipment against W.P.A. for amount of USD 25,000 with the PICC. 我們已向中國(guó)人民保險(xiǎn)公司為貨物投保平安我們已向中國(guó)人民保險(xiǎn)公司為貨物投保平安險(xiǎn)，金額為險(xiǎn)，金額為3萬(wàn)美元。萬(wàn)美元。請(qǐng)向中國(guó)人民保險(xiǎn)公司為這批貨物投保金請(qǐng)向中國(guó)人民保險(xiǎn)公司為這批貨物投保金額為額為25,000美元的水漬險(xiǎn)。美元的水漬險(xiǎn)。 Unit Eight InsuranceZMCn請(qǐng)按發(fā)票

17、金額的請(qǐng)按發(fā)票金額的110%將貨物投保一切險(xiǎn)。將貨物投保一切險(xiǎn)。n請(qǐng)為這批貨物投保金額為請(qǐng)為這批貨物投保金額為4.5萬(wàn)歐元的保險(xiǎn)。萬(wàn)歐元的保險(xiǎn)。Please cover the goods for 110% of the invoice value against all risks. Please cover this lot (shipment) for 45,000 euros. Unit Eight InsuranceZMCn在在CIF條件下，我方一般只投保平安險(xiǎn)加偷條件下，我方一般只投保平安險(xiǎn)加偷盜險(xiǎn)。盜險(xiǎn)。n我方建議你方向中國(guó)人民保險(xiǎn)公司投保。我方建議你方向中國(guó)人民保險(xiǎn)公司投保。

18、It is our usual practice to cover against F.P.A and T.P.N.D on CIF basis. We suggest that you cover the insurance with PICC. Unit 8 InsuranceZMC 2. onbasis與之相關(guān)的短語(yǔ)有：與之相關(guān)的短語(yǔ)有：on the basis of, be based on, base on Reference is to made to our order No. 213 covering 300 sets of sewing machines, which is

19、placed on CFR basis. 請(qǐng)參看我們請(qǐng)參看我們213號(hào)定單下的號(hào)定單下的300臺(tái)洗衣機(jī)，這是臺(tái)洗衣機(jī)，這是以成本加運(yùn)費(fèi)為基礎(chǔ)的。以成本加運(yùn)費(fèi)為基礎(chǔ)的。 Unit 8 InsuranceZMC 3. premium n. 保險(xiǎn)費(fèi)保險(xiǎn)費(fèi) premium loan 保險(xiǎn)借款保險(xiǎn)借款 premium tariff 保險(xiǎn)費(fèi)率表保險(xiǎn)費(fèi)率表 premium note 保險(xiǎn)費(fèi)付款期票保險(xiǎn)費(fèi)付款期票 Unit Eight InsuranceZMC4. be borne by/ for ones account: 由由承擔(dān)承擔(dān)/支付支付nBuyers request for insurance t

20、o be covered up to the inland city can be accepted on condition that such extra premium is for buyers account. 假如額外的保險(xiǎn)費(fèi)由買(mǎi)方支付，能同假如額外的保險(xiǎn)費(fèi)由買(mǎi)方支付，能同意買(mǎi)方將保險(xiǎn)投保到內(nèi)陸城市的要求。意買(mǎi)方將保險(xiǎn)投保到內(nèi)陸城市的要求。 Unit Eight InsuranceZMCbe borne by/ for ones accountnRisks other than All Risks and War Risk can be covered, if the insura

21、nce company accepts, and then the extra premium should be borne by the buyer.如果保險(xiǎn)公司同意并且額外的保險(xiǎn)費(fèi)由買(mǎi)方支付，除一切險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)以外的其它險(xiǎn)別也可投保。 Unit 8 InsuranceZMC Useful sentences Turn your book to page 212Unit Eight InsuranceZMCnWe thank you for your instructions to arrange the shipment of Fans. We take it that you wish

22、us to insure the goods against the usual risks, for the value of the goods plus freight. Unless we hear from you to the contrary, we shall arrange this.nWe usually effect insurance against All Risks and War Risk for the invoice value plus 10% for the goods on CIF basis.貴公司有關(guān)風(fēng)扇的裝運(yùn)指示獲悉貴公司有關(guān)風(fēng)扇的裝運(yùn)指示獲悉,

23、謝謝。我們推定謝謝。我們推定, 你們要你們要我們按貨價(jià)加運(yùn)費(fèi)投保通常險(xiǎn)別。除非另有指示我們按貨價(jià)加運(yùn)費(fèi)投保通常險(xiǎn)別。除非另有指示, 我們將我們將按此辦理。按此辦理。 按按C.I.F價(jià)出售的貨物，我們通常按發(fā)票金額的價(jià)出售的貨物，我們通常按發(fā)票金額的110投保投保一切險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)。一切險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)。Unit Eight InsuranceZMC3. For goods sold on CIF basis, insurance is to be effected by us for 110% of the invoice value against All Risks based on warehou

24、se-to-warehouse clause.4. We agree to your request to insure the shipment for 130% of the invoice value, but the premium for the difference between 130% and 110% should be for your account.對(duì)于按對(duì)于按CIF價(jià)成交的貨物，由我方根據(jù)倉(cāng)至倉(cāng)條款，按發(fā)票價(jià)成交的貨物，由我方根據(jù)倉(cāng)至倉(cāng)條款，按發(fā)票金額的金額的110%投保一切險(xiǎn)。投保一切險(xiǎn)。我們同意你方要求，按發(fā)票金額的我們同意你方要求，按發(fā)票金額的130%對(duì)貨物投

25、保，但對(duì)貨物投保，但110%和和130%之間造成的保險(xiǎn)費(fèi)差額將由你方承擔(dān)。之間造成的保險(xiǎn)費(fèi)差額將由你方承擔(dān)。Unit Eight InsuranceZMC5. The premium varies with the extent of insurance. Should additional risks be covered, the extra premium would be for buyers account.6. We adopt the warehouse-to-warehouse clause that is commonly used in international insu

26、rance.保險(xiǎn)費(fèi)隨保險(xiǎn)的范圍不同而不同，如果貨物需要投保附加保險(xiǎn)費(fèi)隨保險(xiǎn)的范圍不同而不同，如果貨物需要投保附加險(xiǎn)，額外的費(fèi)用由買(mǎi)方支付。險(xiǎn)，額外的費(fèi)用由買(mǎi)方支付。我們采用國(guó)際保險(xiǎn)中常用的我們采用國(guó)際保險(xiǎn)中常用的“倉(cāng)至倉(cāng)倉(cāng)至倉(cāng)”的責(zé)任條款。的責(zé)任條款。 Unit Eight InsuranceZMC巴基斯坦一家外貿(mào)公司去函，想讓無(wú)錫陽(yáng)光進(jìn)出口有限公司代替投保其訂購(gòu)的A135訂單下的1，500套聚光燈，此訂單貨是按成本加保險(xiǎn)費(fèi)訂購(gòu)的，巴公司要求這批貨物必須在9月20 日前裝運(yùn)。另外希望陽(yáng)光公司能夠打破按發(fā)票金額加10%的投保慣例，而按照發(fā)票金額的130%投保破碎險(xiǎn)，費(fèi)用由巴公司承擔(dān)。 Key p

27、oints按發(fā)票金額的按發(fā)票金額的130%投保投保費(fèi)用由買(mǎi)方承擔(dān)費(fèi)用由買(mǎi)方承擔(dān)Case 1Unit Eight InsuranceZMCDear Sirs,Re: Our Order No. A135 for 1,500 pieces of SpotlightsPlease refer to our Order No. A135 for 1,500 pieces of spotlights, from which you will certainly note that this order is placed on CIF basis.Now we would like to remind

28、you to have the shipment insured in due course. Please see to it that the above-mentioned goods should be shipped before September 20 and that the shipment should be covered Clash & Breakage Risks for 130% of the invoice value. Unit Eight InsuranceZMCAsking Seller to Cover InsuranceWe know that according to your usual practice you insure the goods only for 10% above the invoice value; therefore the extra premium will be for our