chapterteninsurance

1、ObjectivesIntroductionNew Words & Expressions Analysis of Sample LettersKeys to Exercises 1. 保險(xiǎn)在外貿(mào)業(yè)務(wù)中的重要性保險(xiǎn)在外貿(mào)業(yè)務(wù)中的重要性 2. 國際貿(mào)易中的主要險(xiǎn)種國際貿(mào)易中的主要險(xiǎn)種 3. 涉及保險(xiǎn)的商業(yè)信函的撰寫涉及保險(xiǎn)的商業(yè)信函的撰寫 To spread the financial losses of the insured members over the whole of the insuring community by compensating the misfortune

2、few from the fund built up from the contributions of all members. Today, insurance is a form of intangible trade which helps our country to accumulate foreign exchange. Businessmen should have a thorough knowledge of it and the ability to handle its problems to win over the business of insurance. It

3、 is customary to insure goods sold It is customary to insure goods sold for for export against the risks of the journey. In export against the risks of the journey. In international trade, the transportation of international trade, the transportation of goods from the seller to the buyer is goods fr

4、om the seller to the buyer is generally over a long distance by air, by generally over a long distance by air, by land or by sea and has to go through the land or by sea and has to go through the procedures of loading, unloading and procedures of loading, unloading and storing. storing. During this

5、process it is quite During this process it is quite possible that the goods will encounter possible that the goods will encounter various kinds of risks and sometimes various kinds of risks and sometimes suffer losses. In order to protect the suffer losses. In order to protect the goods against poss

6、ible loss in case of goods against possible loss in case of such risks, the buyer or seller before such risks, the buyer or seller before the transportation of the goods usually the transportation of the goods usually applies to an insurance company for applies to an insurance company for insurance

7、covering the goods in transit.insurance covering the goods in transit.The premium charged for the insurance The premium charged for the insurance policy is calculated according to the risks policy is calculated according to the risks involved. A policy which protects the involved. A policy which pro

8、tects the holder against limited risks charges a low holder against limited risks charges a low premium, and policy which protects premium, and policy which protects against a large number of risks charges a against a large number of risks charges a high premium.high premium.The insurance value is c

9、alculated as: The insurance value is calculated as: cost of goods + amount of freight + cost of goods + amount of freight + insurance premium + a percentage of insurance premium + a percentage of the total sum to represent a reasonable the total sum to represent a reasonable profit on sale of the go

10、odsprofit on sale of the goods. .For CIF transactions, we usually effect For CIF transactions, we usually effect insurance for 110% of the invoice value insurance for 110% of the invoice value against (risks), that is to say 100% is against (risks), that is to say 100% is for CIF invoice value and 1

11、0% is to for CIF invoice value and 10% is to cover a reasonable profit and some cover a reasonable profit and some expenses. Sometimes, buyers may expenses. Sometimes, buyers may request insurances to cover more than request insurances to cover more than 110%. In such circumstances, the extra 110%.

12、In such circumstances, the extra premium will be for buyers account.premium will be for buyers account.基本險(xiǎn)基本險(xiǎn)平安險(xiǎn)（平安險(xiǎn)（Free from Particular Average,FPA)水漬險(xiǎn)水漬險(xiǎn)(With Particular Average，WPA or WA）一切險(xiǎn)（一切險(xiǎn)（All Risks）2022-4-5u一般附加險(xiǎn)一般附加險(xiǎn)偷竅提貨不著險(xiǎn)偷竅提貨不著險(xiǎn)(Theft Pilferage and NondeliveryT.P.N.D)淡水雨淋險(xiǎn)淡水雨淋險(xiǎn)(Fresh W

13、ater RainDamage,F.W.R.D)短量險(xiǎn)（短量險(xiǎn)（Short-weight)混雜、沾圬險(xiǎn)（混雜、沾圬險(xiǎn)（Rish of Intermixture &Contamination)串味險(xiǎn)（串味險(xiǎn)（Risk of Odour）碰撞險(xiǎn)（碰撞險(xiǎn)（Risk of Clash）破碎險(xiǎn)（破碎險(xiǎn)（Risk of Breakage）銹損險(xiǎn)銹損險(xiǎn)（Risk of Rusting）滲漏險(xiǎn)（滲漏險(xiǎn)（Risk of Leakage）受潮受熱險(xiǎn)（受潮受熱險(xiǎn)（Risk Caused by Heating &Sweating）鉤損險(xiǎn)（鉤損險(xiǎn)（Hook Damage）2022-4-5u特別附加險(xiǎn)特別

14、附加險(xiǎn)戰(zhàn)爭(zhēng)險(xiǎn)（戰(zhàn)爭(zhēng)險(xiǎn)（War Risk）罷工險(xiǎn)（罷工險(xiǎn)（Strik Risk）交貨不到險(xiǎn)交貨不到險(xiǎn)（Failure to Deliver Risk）進(jìn)口關(guān)稅險(xiǎn)（進(jìn)口關(guān)稅險(xiǎn)（Import Duty Risk）拒收險(xiǎn)拒收險(xiǎn)（Rejection Risk）艙面險(xiǎn)艙面險(xiǎn)（On Deck Risk）黃曲霉素險(xiǎn)黃曲霉素險(xiǎn)（Aflatoxin Risk）出口貨物到香港、九龍或澳門存?zhèn)}火險(xiǎn)擴(kuò)展條款出口貨物到香港、九龍或澳門存?zhèn)}火險(xiǎn)擴(kuò)展條款（Fire Risk Extension Clause for Storageof Cargo at destination Hongkong,includingKowloo

15、n,or Macao簡(jiǎn)簡(jiǎn)稱稱FREC）v Put forward the problem of insurance in a positive way.v State which kind of insurance is desired and provide the reader with convincing and specific reasons.v Express expectations for an early reply or cooperation. 1. 與與insurance 有關(guān)的一些短語有關(guān)的一些短語( (1) )與與on 連用，表示投保的貨物：連用，表示投保的貨物：

16、insurance on 100 tons of cotton( (2) )與與against 連用，表示投保的類別：連用，表示投保的類別：insurance against war risk( (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 China(1) to insure W.P.

17、A (F.P.A)投保水漬險(xiǎn)（平安險(xiǎn)）投保水漬險(xiǎn)（平安險(xiǎn)） Please insure F.P.A at your end. 請(qǐng)?jiān)谫F處投保平安險(xiǎn)。請(qǐng)?jiān)谫F處投保平安險(xiǎn)。 We generally insure W.P.A on C.I.F sales. 按按CIF價(jià)出售的貨物，我們一般投保水漬險(xiǎn)。價(jià)出售的貨物，我們一般投保水漬險(xiǎn)。(2).to insure (cover)against 投保投保險(xiǎn)險(xiǎn) Please cover the goods against War Risks. 請(qǐng)將貨物投保戰(zhàn)爭(zhēng)險(xiǎn)。請(qǐng)將貨物投保戰(zhàn)爭(zhēng)險(xiǎn)。 We have insured the goods F.P.A and

18、against All Risks. 我們已將貨物投保平安險(xiǎn)和一切險(xiǎn)。我們已將貨物投保平安險(xiǎn)和一切險(xiǎn)。(3) to arrange (effect, cover, take out) insurance投投保保 As our order was placed on a CIF basis, the insurance is to be arranged by you. 由于我方是按由于我方是按CIF價(jià)訂貨的，應(yīng)由你方投保。價(jià)訂貨的，應(yīng)由你方投保。 We will effect insurance on your behalf. 我方愿代貴方投保。我方愿代貴方投保。 Have you taken

19、 out insurance for us on these goods? 貴方是否已代我方對(duì)此貨物投保？貴方是否已代我方對(duì)此貨物投保？(4) to cover (insure) sb.on sth. Please insure us on the following goods. 請(qǐng)為我方投保下列貨物。請(qǐng)為我方投保下列貨物。(5) to insurefor按按金額投保金額投保We shall insure the goods for 110% of the invoice value.我方將按發(fā)票金額我方將按發(fā)票金額110%投保此貨物投保此貨物We wish you to insure th

20、e goods for the invoice value plus 10%我方希望貴方按發(fā)票金額加我方希望貴方按發(fā)票金額加10%投保。投保。(6) to insure with向向投保投保 We usually insure with the Peoples Insurance Company of China for the goods sold on CIF basis. 我方一般對(duì)按我方一般對(duì)按CIF價(jià)出售的貨物向中國人民保價(jià)出售的貨物向中國人民保險(xiǎn)公司投保。險(xiǎn)公司投保。 Insurance is to be effected by the sellers against All Ri

21、sks for 110% of the invoice value with the Peoples Insurance Company of China. 由賣方按發(fā)票金額由賣方按發(fā)票金額110%向中國人民保險(xiǎn)公司向中國人民保險(xiǎn)公司投保一切險(xiǎn)。投保一切險(xiǎn)。2. onbasis與之相關(guān)的短語有：與之相關(guān)的短語有：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 placed on CFR ba

22、sis. 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。 3. approve v.i. 批準(zhǔn)、贊成，與介詞批準(zhǔn)、贊成，與介詞of 連用連用Our company has approved of the insurance rate you offered in your letter of May 5th. 我公司已批準(zhǔn)你方在我公司已批準(zhǔn)你方在5月月5日來函中所報(bào)保險(xiǎn)費(fèi)日來函中所報(bào)保險(xiǎn)費(fèi)率。率。 We are eager to know if our offer has been approved by your

23、firm. 我方急于知道我們的報(bào)價(jià)是否得到貴方批準(zhǔn)。我方急于知道我們的報(bào)價(jià)是否得到貴方批準(zhǔn)。4. refer to 談到，提到談到，提到We d like to refer you to our reply of August 29th, in which we have clearly stated our insurance policy. 提請(qǐng)你們參看我方提請(qǐng)你們參看我方8月月29日回函，在回函中我們?nèi)栈睾?，在回函中我們已清楚地解釋了我方的保險(xiǎn)政策。已清楚地解釋了我方的保險(xiǎn)政策。 As to the rate, you can refer to the official document

24、s of PICC. 至于費(fèi)率，你們可參看中國人民保險(xiǎn)公司的正至于費(fèi)率，你們可參看中國人民保險(xiǎn)公司的正式文件。式文件。5. be subject to 受約束，受控制受約束，受控制The rate now being charged by us for the proposed shipment against all risks will be 10% subject to China Insurance Clauses. 按照中國保險(xiǎn)條款，我方對(duì)投保一切險(xiǎn)的貨物按照中國保險(xiǎn)條款，我方對(duì)投保一切險(xiǎn)的貨物收取的費(fèi)率是收取的費(fèi)率是10%。 What we should like to point

25、 out here is that the agreement reached between us is subject to the further instructions from our headquarter. 需要指出，我們所達(dá)成的協(xié)議應(yīng)以我方總部的需要指出，我們所達(dá)成的協(xié)議應(yīng)以我方總部的進(jìn)一步指示為準(zhǔn)。進(jìn)一步指示為準(zhǔn)。6. amendment n. 修改，修正修改，修正Any amendment in the contract can be only made after having the consent of the two parties concerned. 只有在雙

26、方同意的情況下才可對(duì)合同內(nèi)容做出只有在雙方同意的情況下才可對(duì)合同內(nèi)容做出修改。修改。 With regard to the present price level, we proposed an amendment in the contract we signed on May 1st. 鑒于目前的價(jià)格水平，我們建議對(duì)鑒于目前的價(jià)格水平，我們建議對(duì)5月月1日的合日的合同內(nèi)容進(jìn)行修改。同內(nèi)容進(jìn)行修改。 7. on condition that 如果，在如果，在條件下條件下We accept your offer on condition that the time of shipment is

27、 May. 我方接受你方報(bào)盤，但以裝運(yùn)期我方接受你方報(bào)盤，但以裝運(yùn)期5月為條件。月為條件。 Our customers agree to place orders immediately on condition that you allow them a discount of 4%.如果能給予如果能給予4%的折扣，我方客戶們同意立即訂的折扣，我方客戶們同意立即訂購。購。8. 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 A brief introdu

28、ction of the letter This is a letter from the buyer to the seller who wishes to make a change in trade terms, because the buyer has already taken out an open policy with the Lloyds Insurance Company in London. Meanwhile, the buyer requests the seller to supply him with full details regarding the cov

29、erage handled by the Peoples Insurance Company of China.Analyzing the letter: Paragraph one:identifying the reference Paragraph two :stating the reason for requirement for CFR terms. Paragraph three: asking for full details of coverage handled by PICC. Paragraph four:the closing sentence of the lett

30、er.Chinese version of the letter:A brief introduction to the letter This letter is from the sellers to the buyers requesting the buyers to delete the word “Breakage” from the insurance clause in their credit.Analyzing the letter: Paragraph one:identifying the reference.Paragraph two:proposing a requ

31、est.Paragraph three: explaining the reasons.Paragraph four:the closing sentence of the letter. Chinese version of the letter: 1. In particular we wish to know whether you can issue a special rate in return for the promise of regular monthly shipment.2. As shipment is due to begin on 14th March, plea

32、se let us have your quotation by return.3. On what terms will you be glad to arrange an all risks policy for us?4. The invoiced value of the consignment, including the freight and commission, is $2,500.5. We are pleased to note that you are ready to insure with us a shipment of Chinese porcelain fro

33、m Shanghai to Sydney by sea.6. If you find our rate acceptable, please present the details of your shipment so that we may issue our policy accordingly.7. The terms you quote for an open policy of 1,200 covering all risks will apply to our consignment on the routes named.8. We thank you for your rep

34、ly to our inquiry of April 29.9. If you can kindly arrange to insure the same on our behalf against All Risks we shall be greatly obliged.10. Under the ordinary circumstance, no loss or theft of such merchandise as mild steel is likely to occur during transportation. 1. We shall provide such coverag

35、e at your cost.2. Please arrange to supply these and charge to our account.3. Our clients request their order to be insured against all risks and war risk. Please arrange for the insurance cover accordingly.4. Please hold us for the consignment referred to below.5. We will arrange insurance coverage

36、 on your behalf.6. Please insure at invoice value plus 10%.7. We shall take out insurance at this end under our Open Policy.8. The coverage is for 110% of invoice value up to the port of destination.9. Insurance Certificate will follow as soon as we receive it from the underwriter.10. As the premium

37、 varies with the extent of insurance, extra premium is to be covered. 1. Please cover insurance on the consignment at (改為改為 for) 110% of the invoice value against All Risks with PICC.2.We will arrange insurance by (改為改為on) your behalf.3. Since the premium varies with the extent of insurance, extra p

38、remium is from (改為改為for) buyers account, should additional risks be covered.4. We have taken out an open policy in (改為改為with) that insurance company.5. In the meantime, we should be obliged if you could supply us for (改為改為with) full details regarding the scope of cover handled by the Peoples Insuran

39、ce Company of China for our reference.6. We hope no difficulty will arise to (改為改為in) connection with the insurance claim and thank you in advance for your trouble.7. On (改為改為in) the event of shipping, please inform us.8. If you desire to cover All Risks, we can provide such coverage with (改為改為at) a slightly higher premium.Read the following lette