《外貿(mào)英語函電》模塊九 保險

外貿(mào)英語函電EnglishCorrespondenceforInternationalTradeModule9

Insurance模塊9保險LearningObjectives02Masterthekeylanguagepoints,basictermsandimportantexpressionswidelyusedinwritingemailsconcerninginsurance;03Developcommunicativeskillsinarranginginsurance,requestingforspecialrequirement.01Understandrisks,lossesandexpensesinvolvedininternationalmarinetransportandthecoverageofICCandCICclauses;Task1IntroductiontoInsurancecoverageTask2IntroductiontoInsuranceClausesTask3PracticalSkillsTask4DiscussiononInsuranceProblemsTask5CorePhrasesandSentencePatterns目錄01IntroductiontoInsuranceCoverageLearningTask1Section1DefinitionSection2Coverage目錄DefinitionInsuranceisanessentialprocedureininternationaltrade.Theinsuredcanobtaintheguaranteefromtheinsurancecompanytogetcompensationofthecargodamagedorlostintransitatarelativelysmallcost,namelytheinsurancepremium.SeatransportationAirtransportationRoadtransportationParcelPosttransportationBACKTheInsurer（保險人）:InsurancecompanyTheInsured/TheAssured（被保險人）TheBeneficiary（受益人）:ThepartywhowillgetthecompensationwhenanylossoccursPremium（保險費）PremiumRate（保險費率）InsurancePolicy（保險單）InsuredAmount（保險金額）ValuePlus…%（投保加成率）BACKCoverageCoverageRiskPerilsoftheseaNaturalcalamitiesFortuitousaccidentExtraneousrisksGeneralextraneousrisksSpecialextraneousrisksAverageTotallossActualtotallossConstructivetotallossPartiallossGeneralAverageParticularaverageChargeSueandlaborexpenses（施救費用）SalvageCharges（救助費用）BACKPerilsoftheseaNaturalCalamities（自然災(zāi)害）：suchasvileweather,thunder,lightning,tidalwave,earthquake,etc.classifiedunderforcemajeure.HeavyweatherLightningEarthquakeVolcaniceruptionTsunamiBACKPerilsoftheseaFortuitousAccidents（意外事故）：suchasshipstranding,strikingupontherocks,sinking,fire,explosion,etc.FireExplosionCollisionStrikingupontherocksStrandingSinkingBACKExtraneousRisksExtraneousRisks（外來風(fēng)險）：theserisksarecausedbytheft,rain,shortage,leakage,dampness,war,strikes,etc.SpecialextraneousrisksGeneralextraneousrisksBACKTotallossReferstothetotallossorthedamageoftheinsuredgoodssothattheybecomeentirelyvalueless.1Theactualtotalloss（實際全損）Theactualtotallossoftheinsuredgoodsisunavoidable,orthecostofsalvageorrecoveryandcontinualtransportofthedamagedgoodswouldexceedthevalueofthegoodsinsoundconditionattheportofdestination.2Constructivetotalloss（推定全損）BACKPartiallossReferstoapartiallossintentionallybutreasonablyincurredduringtheperilinordertoprotecttheshipandthecargosonboardfromlossordamageandtocontinuevoyagesafely.Thelossistobebornebyallconcernedinproportion.1Generalaverage（共同海損）Referstoapartiallossordamagetoaparticulargoodswhichistobebornebytheownerofthecargoonly.2Particularaverage（單獨海損）BACKCoverageCoverageRiskPerilsoftheseaNaturalcalamitiesFortuitousaccidentExtraneousrisksGeneralextraneousrisksSpecialextraneousrisksAverageTotallossActualtotallossConstructivetotallossPartiallossGeneralAverageParticularaverageChargeSueandlaborexpenses（施救費用）SalvageCharges（救助費用）BACK02IntroductiontoInsuranceClausesLearningTask2Lead-inInyourclient’sletter,heaskedyoutoinsurethegoodsagainstAllRisksandTPND,doyouagreewithhisdecision?Why?Section1MarineCargoInsuranceClauses--C.I.C.Section2MarineCargoInsuranceClauses--I.C.C.Section3Insuranceforothermodesoftransport目錄MarineCargoInsuranceClausesChinaInsuranceClauses(CIC)--ThePeople’sInsuranceofChina(PICC)BasicInsuranceClausesFreeofParticularAverage(F.P.A.)平安險，即單獨海損不賠WithParticularAverage(W.A./W.P.A.)水漬險，即單獨海險亦賠AllRisks一切險AdditionalRisksClausesGeneralAdditionalRisks一般附加險SpecialAdditionalRisks特殊附加險BACKMarineCargoInsuranceClausesBasicInsuranceClauses:F.P.A.Onlytotalorconstructivetotallossofthewholeconsignmentbutnopartiallossordamageisrecoverablefromtheinsurerresultingfromnaturalcalamities.Andtotallossorpartiallossisrecoverablefromtheinsurerincurredasaresultoffortuitousaccident,e.g.,collision,stranding,sinkingofthevessel.MarineCargoInsuranceClausesBasicInsuranceClauses:W.P.A.WA/WPAprovideslargercoverthanFPAsincepartiallossanddamageisrecoverablefromtheinsurerresultingfromnaturalcalamities.W.P.A.FPAMarineCargoInsuranceClausesBasicInsuranceClauses:AllRisksAsidefromtheriskscoveredunderWA/WPAtype,italsoprovidesinsuranceagainstallrisksoflossordamageoftheinsuredcargoarisingfromexternalcausesinthecourseoftransit.AllRisksdoesnotcoverrisksofwar,strikeandotherspecialadditionalriskssuchasfailuretodelivery,importduty,ondeck,rejection,aflatoxin,

etc.W.P.A.FPAAllRisksMarineCargoInsuranceClausesAdditionalRisksClauses:GeneralAdditionalRisks（1）Theft,pilferageandnon-deliveryrisk(T.P.N.D.)（2）Freshwaterandraindamagerisk(F.W.R.D)（3）Clashandbreakagerisk（4）Leakagerisk（5）Shortagerisk（6）Intermixtureandcontaminationrisk（7）Taintofodourrisk（8）Sweatandheatingrisk（9）Rustrisk（10）Breakageofpackingrisk（11）Hookdamagerisk偷竊提貨不著險淡水雨淋險破損、破碎險滲漏險短量險混雜、沾污險串味險受熱受潮險銹損險包裝破裂險鉤損險MarineCargoInsuranceClausesAdditionalRisksClauses:SpecialAdditionalRisksWarriskStrikesriskFailuretodeliveryImportdutyriskOndeckriskRejectionriskAflatoxinrisk戰(zhàn)爭險罷工險交貨不到險進口關(guān)稅險艙面險拒收險黃曲霉素險BACKMarineCargoInsuranceClausesInstituteCargoClauses,ICCICC(A)AllRisksICC(B)W.P.A.ICC(C)F.P.ABasicInsuranceClauses:AdditionalRisksClauses:InstitutewarclausesMaliciousdamageclausesInstitutestrikeclausesBACKSummaryMarineCargoInsuranceClausesTotallossPartiallossOtherloss實全推全共海單海一般損失特殊損失BasicRisksF.P.A.√√√W.P.A.√√√√AllRisks√√√√√AdditionalRisksGeneralAdditionalRisks√SpecialAdditionalRisks√BACKInsuranceforothermodesoftransportAirtransportationRoadtransportationParcelPosttransportationAirtransportationrisksAirtransportationallrisksOverlandtransportationrisksOverlandtransportationallrisksParcelposttransportationrisksParcelposttransportationallrisksLead-inInyourclient’sletter,heaskedyoutoinsurethegoodsagainstAllRisksandTPND,doyouagreewithhisdecision?Why?AllRisksisonekindofbasicriskcoverage,whileTPNDisonekindofgeneraladditionalrisks.AllRisksincludeTPND.Therefore,ifyouinsureagainstAllRisks,thereisnoneedtoinsureagainstTPND.03PracticalSkillsLearningTask3Lead-inUnderFOB,whenyouarethebuyer,isitnecessarytowritetothesellertodiscusstheinsurance?Section1TradeTermsandInsuranceSection2InsurancePremium,ValuePlus…%目錄TradeTermsandInsuranceTrade

Terms

in

Common

Use:FOB,FCACFR,CPTCIF,CIPWhoisresponsibleforinsurance?Importer/BuyerImporter/BuyerExporter/SellerTradeTermsandInsuranceTrade

Terms

in

Common

Use:FOB,FCACFR,CPTCIF,CIPCut-offpointofrisksbetweensellerandbuyerFOB,FCACFR,CPTCIF,CIPOnboardthevessel,delivertocarrierOnboardthevessel,delivertocarrierOnboardthevessel,delivertocarrierImporterinsuresfortheirownbenefitImporterinsuresfortheirownbenefitExporterinsuresfortheimporter’sbenefitTradeTermsandInsuranceUnderCFR/CPT,“ShippingAdvice”isespeciallyimportantfortimelyinsurance!!!Exporter/SellerResponsibleforcarriageImporter/BuyerResponsibleforinsuranceshippingadvice(nameoftheship,departuretime,etc.)?Exporter/SellerImporter/BuyerInsuranceCompanytimelyinsurance?

TradeTermsandInsuranceATTENTIONPLEASE123EspeciallyunderCIF/CIPterm,importerandexporterneedtowritetodiscusstheinsuranceproblem.Generallyspeaking,Whobearstheinsuranceliabilitywillbeartheinsurancecost.UnderFOBorCFR,attherequestofthebuyer,iftheselleragrees,theinsurancecanalsobearrangedbytheseller,andthecostisusuallybornebythebuyer.BACKInsurancePremium,ValuePlus…%InsuranceclausesPremiumrateValueplus…%InsuranceamountQuotedpriceATTENTIONPLEASE12Accordingtotheagreementbetweenimporterandexporter.Ifthereisnoagreement,generally,insureagainstthelowestlevelofinsurancecoverage(F.P.A)atinvoicevalueplus10%.BACKLead-inUnderFOB,whenyouarethebuyer,isitnecessarytowritetothesellertodiscusstheinsurance?Generallyspeaking,underFOB,insuranceisarrangedbythebuyerhimself,soitisunnecessarytodiscusswiththeseller.Ifthebuyerwantsthesellertohandleitonhisbehalf,heneedstowritetoaskthesellertoarrangetheinsurance.DiscussiononInsuranceProblemsLearningTask404Section1Guidelines目錄Section2WorkSamplesandAnalysisBACKGuidelines：WritingStructureConfirmtheordernumberofthegoodstobeinsuredExplainclearlyhowtheinsurancewillbearrangedShowgratitudeforunderstandingandcooperationExpresshopeforapromptreplyConfirmreceiptoftherequestReplywhethersucharequestcanbemetornot;ifyes,notifythesenderofwhathasbeendoneupontherequest;ifnot,giveareasonExpresswillingnessforfurthercooperationDealingwithrequestconcerninginsurancearrangementRequestingorconfirminginsurancearrangementReplytoinsurancearrangementSubject:Re:InsuranceforElectronicToys

DearMr.Picker,InreplytoyouremailconsultingusabouttheinsurancefortheOrderNo.ET-210322.Asusual,WeinsuredthegoodssoldonCIFbasiswithourunderwriter,thePeople’sInsuranceCompanyofChina(PICC),for110%ofthetotalinvoicevalueagainstAllRisks.Ifahigherpercentageofbroadercoverageisrequired,theextrapremiumwillbeforthebuyer’saccount.PICCisoneoftheleadinginsurersintheworldandisknownforsettlingclaimspromptlyandequitably.Theratestheyquotearealsoquitecompetitive.Pleasechecktheattachmentforinformationabouttheircoverageandrates.Wearelookingforwardtoyourfavorablereply.Bestregards,AliceChenRefertotherelativeorderNo.underwriter保險人、保險商ExplainclearlyhowtoarrangeinsuranceextrapremiumExpressyourexpectationInreplyinsuredagainstcoverage額外保險費承保范圍insurersSample1Sample2SpecialinsurancearrangementSample3ReplytoexcessiveinsuranceSample4

Contractperformance:Askthebuyertodulycoverinsuranceto保險條款I(lǐng)nsureagainst+險別Insure+貨物+against+險別保險費用保險公司swSpecialinsurancearrangementSample2ReplytoinsurancearrangementSample1Sample3ReplytoexcessiveinsuranceSample4

Contractperformance:AskthebuyertodulycoverinsuranceSubject:Insuranceforelectricbikes(OrderNo.210328)DearMr.Wang,WewouldliketoreferyoutoourOrderNo.210328for100setsofelectricbikes,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohavetheshipmentinsuredatyourend,weshallbepleasedifyouwillarrangetoinsurethegoodsonourbehalfagainstAllRisksfor110%ofthefullinvoicevalue,thatis,USD100,000.00.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightfortheamountrequired.Wesincerelyhopethatourrequestwillmeetwithyourapproval.Bestregards,LisaRefertotherelativeorderNo.退款haveCFRAsktheotherpartytoinsureinsuredrefunddebitnotedrawonusatsight向我方開出即期匯票Expressyourexpectation收款單（creditnote：付款單）投保要求保險費用Subject:Computer

OrderNo.77863DearMadam,Weregrettoinformyouthatweareunabletoinsurethe1000computersyouorderedfor130%oftheinvoicevalue.Becauseourusualpracticeistoinsurefor110%oftheinvoicevalue.Inaddition,thecontractstipulatesthattheinsuranceshallbecoveredbythesellerwiththepeople'sInsuranceCompanyofChinaagainstallrisksandwarrisksplus10%oftheinvoicevalue.Ifyouinsistonyouropinion,wecanhandleit,buttheextrapremiumwillbebornebyyou.Lookforwardtoyourearlyreply.Bestregards,Albert慣例regrethandleRefertotherelativeproductStatethepurposeReasonsusualpracticestipulates規(guī)定borneExpressyourexpectationSuggestionSample3ReplytoexcessiveinsuranceReplytoinsurancearrangementSample1Sample2SpecialinsurancearrangementSample4

Contractperformance:AskthebuyertodulycoverinsuranceWetoinformyouthat拒絕原因建議Rejectionplus加成bearSubject:Computer

OrderNo.77863DearMadam,WearepleasedtoinformyouthatwehavebookedshippingspaceforyourOrderNo.77863of1000computersonS.S.“Fengchi”,whichsailsforyourportonMarch6th.Wetrustyouwilldulyinsurethegoodsatyourend.Bestregards,Albert準(zhǔn)時地dulyFOB&CFRShippingAdviceSample4Contractperformance：AskthebuyertodulycoverinsuranceReplytoinsurancearrangementSample1Sample2SpecialinsurancearrangementSample3Replytoexcessiveinsurance05CorePhrasesandSentencePatternsLearningTask5Section1insurance/insureSection2onone’sbehalfSection3forone’saccount目錄CorePhrasesandSentencesn.secure/arrange/cover/effectinsuranceon…（commodity）insurance表示“投?！?險)”：insure/cover…(risks)表示“為…投?！U別”：insure/cover…(commodity)against…(risks)表示“向…保險公司為......(貨物)投保…險別”：insure...(products)against...(risks)with…(insurancecompany)insure

v.如：insureAllRisks如：coverthegoodsagainstF.P.A如：insurethegoodsagainstW.P.AwithPICC.BACKCorePhrasesandSentences表示所保的貨物，后接on表示投保的險別，后接against表示保額，后接for表示保險費或保險費率，后接at表示向哪家保險公司投保，后接withinsurance/insure后接介詞的用法：如：insuranceonthe100casesoftoys如：insuranceagainstAllRisks如：insurancefor110%oftheinvoicevalue如：insuranceattherateof5%,insuranceataslightlyhigherpremium如：insurancewiththePICCBACKCorePhrasesandSentencesWehavecoveredthegoodswiththePeople’sInsuranceCompanyofChinaagainstAllRisk.我們已與中國人民保險公司將貨物投一切險。Theshipmentistobecoveredagainstallrisksbysellerfor110%oftheinvoicevalue.此批貨物應(yīng)由賣方按發(fā)票金額的110%投保。Wehavearrangedinsuranceonthe500piecesofwoolenblanketsfor130%oftheinvoicevalueagainstAllRiskswiththePICC.我們已與中國人民保險公司將500件毛毯按發(fā)票金額的130%投保一切險。BACKCorePhrasesandSentences表示“代表某人投?！保簅none’sbehalf/onbehalfofsb.Ifyouwouldlikeustoinsurethegoodsonyourbehalfinourarea,pleaseletusknow.若想要我方代替你方為貨物投保，請告知。onone’sbehalfatour/your

endBACK表示“保險費記在...的賬上，由...來負(fù)擔(dān)”：Wearepleasedtoarrangeinsuranceonthecaptionedshipmentforyouraccount.我方非常高興為指定貨物投保，費用由你方承擔(dān)。foryourreference/information供你方參考foryourrecord/file供你方記錄/存檔CorePhrasesandSentencesforone’saccountWe

have

duly

counter-signed

the

contract

and

are

returning

one

copy

for

your

file.Theattachmentisourlatestcatalogue

foryourreference.youneedtobeartheinsurancepremiumBACKModuleAssessment一、專業(yè)詞匯配對1.額外保費

A.Forone'saccount2.保險單B.Extrapremium3.費用由某人承擔(dān)C.Additionalrisks4.一切險D.Insurancecoverage5.附加險E.Insurancepolicy6.承保范圍F.AllRisks二、單選題1.Inthemarinecargoinsurancepractice,generalaverageis（）.A.akindofpartiallossB.akindoftotallossC.partiallossortotallossdecidedbythetimeD.constructivetotalloss2.Ifthereisn’tanyspecialtermsandconditionsaboutinsurance,thenaccordingtoINCOTERMS2010,thesellercouldinsurethegoodsagainst（）.A.FPAB.WPAC.AllRiskD.TPND3.Theinsurancepolicyorcertificatewillbeissuedbytheinsurancecompanyaftertheinsuredpays（）.A.freightB.premiumC.taxD.bill4.Accordingtothepracticeoftheinternationalinsurancemarket,cargoesaregenerallyinsuredfor（）ofCIFvalue.A.110%B.120%C.130%D.140%5.BasiccoverageofmarinecargoinsuranceunderCICincludesthefollowingexceptfor（）.A.FPAB.WarR