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外贸英语函电Chapter Ten Insurance_图文

Chapter Nine Insurance ? Main & Difficult Points
? Different Insurance Clauses ? Different ways of expressing the insured amount ? Three basic Risks ? Other Additional Risks ? Insurance Policy/ Certificate ? Open Policy ? Coverage

Key Words
insurance average cover policy risk
coverage premium open

? Sample Letters

Letter 1 Taking out an open policy

? Language Points
1. open policy 预约保单 ,船名未确定保单 ? effect an open policy with 与…洽办预约保单

2. the Lloyd Insurance Company 劳埃德保险公司 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。
3. the particulars 细节;详细情况

? the particulars of ? the full details of …的全部细节;…的详细情况 4. intestine casing n. 肠衣

? Language Points
5. underwriters n. 保险人;保险商
? insurer 保险人;保险商 ? insurance company 保险公司 ? underwriter 保险商 ? the insured 被保险人;投保人 ? insurant 保险人;投保人 ? assured 被保险人;投保人 ? applicant 投保申请人 ? proposer 投保申请人 ? proposal form 投保申请单

6. handsome adj. 相当大的;可观的 ? a handsome sum of ? a large amount of 一笔可观的金额 一笔可观的金额

? Language Points
7. premium n. 保险费 ? premium rebate 保险费回扣 ? premium tariff ? extra premium 保险费率表 额外保险费

1) 保险费是根据投保险别的保险费率计算的。

The premium is calculated according to the premium rate or rates for risks to be covered.
2) 此种险别的保险费率是百分之一。 This risk is coverable at a premium of 1%. 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.

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。

? Language Points
8. rebate n. 回扣

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

? Language Points
11. The People’s Insurance Company of China 缩写:PICC 中国人民保险公司

12. Three Basis Risks: 1. FPA (Free From Particular Average) 平安险 2. WPA (With Particular Average) 水渍险 3. All Risks 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
? Intermixture & Contamination Risks ? Leakage Risk = Risk of Leakage

短量险
混杂,沾污险 渗漏险

? Clash & Breakage Risks

碰损,破碎险

? Language Points
? ? ? ? ? ? ? Taint of Odor Risk 串味险 Sweating & Heating 受潮受热险 Hook Damage Risk 钩损险 Rust Risk = Risk of Rust 锈损险 Breakage of Packing Risk 包装破损险 War Risk 战争险 Strikes, Riots and Civil Commotions (S.R.C.C.) 罢工,暴动,民变险

? Partial loss ? Particular average ? General average ? Total loss ? Actual total loss ? Constructive total loss

部分损失 单独海损 共同海损 全部损失 实际全损 推算全损

? Chinese version of Letter 1
执事先生: 感谢你方七月十二日来函按CIF条件报来500公吨肠衣。然而 很抱歉,我们宁愿你方按CFR条款给我方报价或报盘。 顺便告知,我方已向伦敦劳埃德保险公司办理了预约保险。 货物一经装运,我们只需将这一细节通知他们即可。此外,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。 同时,如蒙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,将不胜感激。 谨呈,

? Sample Letters
Letter 2 Effecting insurance for the buyer

? Language Points
1. insurance n. 保险 ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? insurance clause insurance amount insurance claim insurance coverage insurance policy insurance premium insurance certificate insurance agent insurance broker insurance declaration insurance endorsement air transportation insurance marine insurance ocean marine cargo insurance overland transportation insurance parcel post insurance 保险条款 保险额 保险索赔 保险范围 保险单,俗称大保单,正规保单 保险费 保险凭证,俗称小保单 保险代理人 保险代理人;保险经纪人 保险声明书;保险通知书 保险批单 航运运输保险 海运险;水险;海上保险 海洋运输货物保险 陆上运输保险 邮包保险

? Language Points
? 投保;办理保险的表达法

? to 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 insurance… ? to take out insurance… ? to cover insurance… ? insure v. 保险 ? to insure the goods against a risk ? to insure a risk ? to insure against a risk

? Language Points
? Relative Expressions
? ? ? ? the insured insured amount insured cargo insured goods 被保险人 保额 投保货物 投保货物

1) 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 have 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.

? Language Points
5) 我们将为你方所订货物投保偷窃、提货不着险。

We 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 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.

? Language Points
2. for one’s account 由…支付

? for one’s account ? to be borne by

? to be responsible
1) 额外运费由买方负担。 The extra freight is to be for buyer’s 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 buyer’s account.

? Language Points
3. cover v. n. 保险

? coverage n. ? ? ? ? ? insurance coverage to cover insurance to hold sth covered degree of cover extent pf cover

承保范围;险别总称 保险范围 办理保险 办理保险 保险范围 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,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.

? Language Points
4) Do you cover risks other than W.P.A. and War Risk?
除了水渍险和战争险外,你们还保其它险吗?

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 buyers. 4. accordingly adv. 相应地;按照…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 ? debit an amount to one’s account 把一笔金额记入某人帐户的借方

? debit one’s 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: 事由:你方第1023号订单订购的500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。 兹欣然通知你方:我们已与中国人民保险公司就上述货物投 保了一切险,金额为9,800美元。保险单正在缮制中并将在本月 底连同我方保险费索款通知单一并寄给你方。 顺便告知,我们正在安排将这500箱玩具装运到八月十二日起 航的“太湖”轮上。 谨呈,

? Sample Letters

Letter 3 Asking the recipient to cancel breakage risk

? Language Points
1. Additional /extraneous risk 2. breakage 破碎险 附加险

1) Risk of Breakage 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 cover 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/项目

? Language Points
4. Franchise 特权;免赔率 To grant a franchise to. 赋予特权

A franchise of 3% .
免赔率3%

5. Survey

v. 鉴定;检查;核实

? Chinese version of Letter 3
执事先生: 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 Letters

Letter 4 Insurance company writes to insurer

? Language Points
1. Inform sb. of sth. 2. Extraneous risk 告知某人某事 附加险 保险费率

3. Rate=insurance rate=premium rate at the rate of 15% 保险费率为15%

4. irrespective

adv. 不考虑、不顾及

? Language Points
5. in the absence of sth. 在没有…(的情况下);在缺乏…(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。 We usually cover insurance W.P.A and against War Risks in the absence of the buyers’ detailed requirements. 6. definite instructions 明确指示

? 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 Letters

Letter 5 Asking to cover insurance

? Language Points
1. Cover v. 投保;保险 保险费率为6%

2. At 6%=at the insurance rate of 6% 3. on sth. (the goods) 4. Dock 码头 5. S.S. 为……投保

Abbreviation of Steamer Ship 蒸汽机轮船

? Language Points
6. Due to…... 预计…… 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

? Language Points
1. Insurance certificate 2. As requested 保险凭证 应你方要求

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。 In compliance with your wishes (ie As you have requested) we have withdrawn our suggestion 遵照你的要求我们已将建议撤销.

3. Enclose herewith sth. 随函附上……

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: Insurance In reply to your letter of April 20 regarding insurance, we would like to advise you of the following: 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.

Ⅱ.Complete the sentences with the appropriate words given

below:

cover,

covered,

covers,

covering,

coverage, insure, 1. Please insure

insurance, effected

against All Risks.

2. This insurance policy 3. We will cover

covers

us against TPND. cover

WPA insurance. .

4. The documents will be sent to you under separate

5. We have to point out that our letter of March 11 has fully covered this matter.
6. We send you herewith a copy of B/L covering tons Walnuts. shipment of 50 metric

7. We have pleasure in advising shipment of your Order No.2354 50 ________metric tons of Small Red Beans. covering 8. Insurance on the goods shall be the CIF value. covered / effected by us for 110% of

9. We shall provide such coverage / insurance at your cost. 10.Insurance is to be effected / covered by the buyers under FOB terms. 11.We have arranged the necessary 12.Regarding insurance, the the port of destination. coverage insurance cover.

is for 110% of invoice value up to

Ⅲ. Fill in the blanks with the appropriate words:
1. We regret our inability to comply with the buyer’s request for covering insurance for 150% of the invoice value, because our contract stipulated that the goods should be covered for 110% of invoice value. 2. Since the premium varies with the extent of coverage , extra premium is for buyer’s account, should additional risks be covered .

3. Should any damage occur, you may put in a claim within 30 days after the arrival of the consignment.
4. Regarding insurance, the coverage is up to the port of destination only. for 110% of invoice value

5. Buyer’s request for insurance to be covered up to the Island city can be accepted on condition that such extra premium is for Buyer’s account.
6. We regret being unable to agree to the buyer’s request as stated in the L/C stipulations for insurance to be covered up to the inland city based on CIF Dubai. because our price is

Ⅳ. 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.


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