新編外經(jīng)貿(mào)英語(yǔ)函電與談判課件unit08市公開(kāi)課一等獎(jiǎng)百校聯(lián)賽特等獎(jiǎng)?wù)n件

Unit8Insurance第1頁(yè)(1)Dear…:Pleaseinsureusagainstallrisks$100,000,valueof5,000setsof“Butterfly”SewingMachinesshippedatShanghai,onboardS.S.“Fengching”,sailingforNewYorkonMay20th.Pleasesendusthepolicy,togetherwithanoteforthecharges.Sincerely,第2頁(yè)P(yáng)leaseinsureusagainstallrisks$100,000,valueof5,000setsof“Butterfly”SewingMachinesshippedatShanghai,onboardS.S.“Fengching”,sailingforNewYorkonMay20th.Pleasesendusthepolicy,togetherwithanoteforthecharges.請(qǐng)為我方5000臺(tái)蝴蝶牌縫紉機(jī)投保價(jià)值100000美元綜合險(xiǎn)。該批貨物已在上海港裝上“風(fēng)慶”輪，于5月20日運(yùn)往紐約港。請(qǐng)寄來(lái)保險(xiǎn)單及所需費(fèi)用單據(jù)。第3頁(yè)insuresb.against…為某人投保……險(xiǎn)MostofourbuyersdonotwanttoinsureagainsttheRiskofBreakageforthisarticle.對(duì)這種商品，大多數(shù)買(mǎi)主都不投保破碎險(xiǎn)。PleaseinsureagainstAllRisksfor(at)10%over(above)thetotalinvoicevalue.請(qǐng)按發(fā)票總金額110%投保一切險(xiǎn)。WehaveinsuredW.P.A.andagainstWarRiskat110%oftheinvoicecost(value,amount).我方已按發(fā)票金額110%投保水漬險(xiǎn)及戰(zhàn)爭(zhēng)險(xiǎn)。第4頁(yè)noten.票據(jù)，通知單Wearepleasedtoallowyouanadditional90daystopayyournotedatedMarch20.關(guān)于貴方3月20日帳單，我方愿意再給予90天付款寬限。第5頁(yè)charge(s)n.費(fèi)用（在含有“否定”、“單項(xiàng)”含義或其它習(xí)語(yǔ)中，慣用單數(shù)）Thatcanbearrangedprovidedyoubeartheadditionalcharges.如貴方負(fù)擔(dān)增加費(fèi)用，那就能安排照辦。Weshallsendyouthesamplesfreeof(without)charge.我方將無(wú)償寄送這些樣品。IfyourequireindividualpackingfortheGloves,therewillbeachargeofUSD$500inall.如貴方需要手套一副一副地包裝，總共還要一筆500美元費(fèi)用。第6頁(yè)(2)Dear…:RegardingyourinstructionsdatedMay8,wehaveinsuredyourshipmentof5,000setsof“Butterfly”SewingMachinesshippedfromShanghaionboardS.S.“Fengching”,sailingforNewYorkonMay20th,asperthepolicyenclosed.Pleaseremit$1,200toouraccountforthispolicybybankcheck.Sincerely,第7頁(yè)RegardingyourinstructionsdatedMay8,wehaveinsuredyourshipmentof5,000setsof“Butterfly”SewingMachinesshippedfromShanghaionboardS.S.“Fengching”,sailingforNewYorkonMay20th,asperthepolicyenclosed.Pleaseremit$1,200toouraccountforthispolicybybankcheck.現(xiàn)回復(fù)貴方5月8日指示，我方已為貴方5000臺(tái)蝴蝶牌縫紉機(jī)投了保，如所附保單所表示。該批貨物是在上海港裝上“風(fēng)慶”輪；于5月20日運(yùn)往紐約港。請(qǐng)將此保單所需1200美元匯入我方帳戶。第8頁(yè)regardingprep.關(guān)于=asregards,in(with)regardtoWewouldliketogointodetailsregardingagency.我方愿詳細(xì)商議關(guān)于代理問(wèn)題。第9頁(yè)remit…intoone’saccount將……匯入某人帳戶WeshallremitUSD$500intoyouraccountuponreceiptofthesamples.收到樣品后，我方就把500美元貨款匯入貴方帳戶。Pleasesenddocumentstousdirectandwewillremit.請(qǐng)將單據(jù)直接寄來(lái)，貨款由我方匯去。第10頁(yè)(3)Dear…:InreplytoyourletterofSeptember4regardinginsurance:Yourcustomer’srequestforinsurancecoverageuptotheinlandcityisacceptableonconditionthatsuchextrapremiumisforhisaccount.Second,wecannotgrantyouinsurancecoveragefor150%oftheinvoicevalue,becausethecontractstipulatesthatinsuranceistobecoveredfor110%ofinvoicevalue.Wetrusttheaboveinformationservesyourpurpose.Meanwhileweawaityourreply.Sincerely,第11頁(yè)InreplytoyourletterofSeptember4regardinginsurance:現(xiàn)回復(fù)貴方9月4日相關(guān)保險(xiǎn)來(lái)函：第12頁(yè)Yourcustomer’srequestforinsurancecoverageuptotheinlandcityisacceptableonconditionthatsuchextrapremiumisforhisaccount.貴方客戶保險(xiǎn)范圍擴(kuò)大至內(nèi)陸城市要求已被接收，條件是額外費(fèi)用由貴方負(fù)擔(dān)。第13頁(yè)coveragen.承保險(xiǎn)別（總稱），保險(xiǎn)范圍；投保額Wewantapolicywithamoreextensivecoverage.我方需要范圍較廣泛保險(xiǎn)單。Regardinginsurance,thecoverageisfor110%oftheinvoicevalueuptotheportofdestination.關(guān)于保險(xiǎn)，按110%發(fā)票金額投保，至目標(biāo)港為止。第14頁(yè)on(upon)(the)conditionthat在……條件下，假如WecanloadthecargoonS/S“PEACE”onoraboutMay15onconditionthatyouwillopenrelativeL/Cingoodtime.如貴方及時(shí)開(kāi)出相關(guān)信用證，我方則能在5月15日及其前后將貨裝上和平號(hào)輪。WeaccedetoyourproposalonconditionthatyourL/C(should)reachusnotlaterthanSeptember15.如貴方信用證不遲于9月15日抵達(dá)，我方就同意貴方提議。Wesupplyclocksofspecificsizesandshapesonlyontheconditionthattherebea5%increaseontheiroriginalprices.假如按照原價(jià)增加5%，我方便可供給特殊大小和形狀時(shí)鐘。第15頁(yè)premiumn.保險(xiǎn)費(fèi)；溢價(jià)，額外價(jià)錢(qián)Theadditionalinsurancepremiumisforthebuyer’saccount.額外保險(xiǎn)費(fèi)由買(mǎi)方負(fù)擔(dān)。ThetiningotswithSncontenthigherthan99.85%aresoldwithapremium.含錫量超出99.85%錫錠，出售時(shí)有溢價(jià)。第16頁(yè)for(on)one’saccount由……支付，為……緣故Theadditionalchargeswillbeforbuyers’account.附加費(fèi)用由買(mǎi)方負(fù)擔(dān)。Wedonotfeelabletomakepurchaseson(our)ownaccount.我方不能自負(fù)盈虧來(lái)購(gòu)置這些貨物。第17頁(yè)Second,wecannotgrantyouinsurancecoveragefor150%oftheinvoicevalue,becausethecontractstipulatesthatinsuranceistobecoveredfor110%ofinvoicevalue.第二，我方不能同意按發(fā)票金額150%投保，因?yàn)閰f(xié)議要求保險(xiǎn)按發(fā)票金額110%投保。第18頁(yè)coverv.投保，給……保險(xiǎn)Pleasecover(insure)thegoodswithParticularAverage.請(qǐng)給貨物投保水漬險(xiǎn)。WewishtocovertheconsignmentagainstAllRisks.我方欲對(duì)該貨投保一切險(xiǎn)。第19頁(yè)Wetrusttheaboveinformationservesyourpurpose.Meanwhileweawaityourreply.我方相信以上所述符合貴方要求并等候貴方回復(fù)。第20頁(yè)servev.符合，適合Wetrusttheaboveinformationwillserveyourpurpose.我方相信上列信息適合貴方需要。第21頁(yè)(4)DearPeople’sInsuranceCompanyofChina:PleaseissueanoriginalMarineInsurancePolicyand3copiesasfollows:PolicyinNameofShanghaiNationalLightIndustrialProductsImport&ExportCorp.ValuedatUS$100,000PerS.S.“Fengching”SailingonMay20th,Via_________________________orTransshipmentat_____________Terms___________AllRisks____________PleasestatewhetherF.P.A.orW.A.etc.ClaimspayableatShanghai第22頁(yè)(5)InsurancePolicyPolicyNo.118765ThisistocertifythatthisCompanyhasinsuredonbehalfofChinaNationalLightIndustrialProductsImport&ExportCorp.,ShanghaiBranch.ThesumofUSdollarsOneHundredThousandonly.UponFiveThousandsets“Butterfly”SewingMachines.At&fromShanghaitoNewYork.Shiporvessel:S.S.“Fengching”.SailingonoraboutMay20th,.CoveringAllRisks.Intheeventofdamage,itwillbesurveyedbytheJohnsonSurveyCo.andclaimsarepayableatShanghai.ThispolicyisissuedinduplicateatShanghaionthe7thdayofMayintheyeartwothousandandone.第23頁(yè)ThisistocertifythatthisCompanyhasinsuredonbehalfofChinaNationalLightIndustrialProductsImport&ExportCorp.,ShanghaiBranch.茲證實(shí)本企業(yè)代表中國(guó)輕工產(chǎn)品進(jìn)出口企業(yè)，上海分企業(yè)辦理了保險(xiǎn)。第24頁(yè)Thisistocertifythat…茲證實(shí)……（多用于句首）Thisistocertifythatwe,theundersigned,haveinspected/testedthequalityoftheabove-mentionedgoodsandfoundtheresultasfollows:茲證實(shí)所列商品，其品質(zhì)經(jīng)我方檢驗(yàn)，結(jié)果以下：第25頁(yè)on(in)behalfofonone’sbehalf代表，為了Wewishtothankyouonbehalfoftheendusers.我方愿代表用戶向船主致謝。Pleaseclaimonourbehalfagainsttheshipownerswhoareevidentlyresponsibleforthisloss.顯然，船主要對(duì)這一損失負(fù)責(zé)，請(qǐng)代表我方向船主提出索賠。第26頁(yè)ThesumofUSdollarsOneHundredThousandonly.UponFiveThousandsets“Butterfly”SewingMachines.At&fromShanghaitoNewYork.Shiporvessel:S.S.“Fengching”.SailingonoraboutMay20th,.CoveringAllRisks.金額100000美元整保5000臺(tái)蝴蝶牌縫紉機(jī)自上海至紐約港船名：“風(fēng)慶”號(hào)輪于1996年5月20日前后啟航投綜合險(xiǎn)第27頁(yè)…only……整Totalamount:US$140,000(SayU.S.DollarsonehundredandfortythousandONLY)第28頁(yè)Intheeventofdamage,itwillbesurveyedbytheJohnsonSurveyCo.andclaimsarepayableatShanghai.如（貨物）發(fā)生損失，由Johnson調(diào)查企業(yè)調(diào)查，在上海賠付。第29頁(yè)intheeventof…倘若，假如發(fā)生Intheeventof$2.80beingthecorrectwholesaleprice,pleaseindicatethenewretailprice.如正確批發(fā)價(jià)為2.80美元，請(qǐng)說(shuō)明新零售價(jià)是多少。第30頁(yè)ThispolicyisissuedinduplicateatShanghaionthe7thdayofMayintheyeartwothousandandone.此保單一式兩份，1996年5月7日于上海簽發(fā)。第31頁(yè)Takethelettersofunit8assamplestoanalyzeandillustratethestructureoflettersaboutinsurance.開(kāi)門(mén)見(jiàn)山，分請(qǐng)求辦理保險(xiǎn)及回復(fù)已辦理保險(xiǎn)兩種，以第一、二封信函為例。說(shuō)明投保險(xiǎn)種，貨物名稱、價(jià)值、貨物在何港裝運(yùn)、何時(shí)裝運(yùn)。經(jīng)過(guò)哪條船裝運(yùn)。第一部分：表示已收到對(duì)方信用證，并把貨物裝上哪條貨輪及貨輪開(kāi)船日期。第二部分：寫(xiě)明隨函附上些什么文件和單據(jù)及份數(shù)。第三部分：感激對(duì)方，希望再次合作。第32頁(yè)SentencePatterns1.toinsureW.P.A(F.P.A)投保水漬險(xiǎn)（平安險(xiǎn)）PleaseinsureF.P.Aatyourend.請(qǐng)?jiān)谫F處投保平安險(xiǎn)。WegenerallyinsureW.P.AonC.I.Fsales.按CIF價(jià)出售貨物，我們普通投保水漬險(xiǎn)。2.toinsure(cover)…against投?！U(xiǎn)PleasecoverthegoodsagainstWarRisks.請(qǐng)將貨物投保戰(zhàn)爭(zhēng)險(xiǎn)。WehaveinsuredthegoodsF.P.AandagainstAllRisks.我們已將貨物投保平安險(xiǎn)和一切險(xiǎn)。第33頁(yè)3.toarrange(effect,cover,takeout)insurance投保AsourorderwasplacedonaCIFbasis,theinsuranceistobearrangedbyyou.因?yàn)槲曳绞前碈IF價(jià)訂貨，應(yīng)由你方投保。Wewilleffectinsuranceonyourbehalf.我方愿代貴方投保。Haveyoutakenoutinsuranceforusonthesegoods?貴方是否已代我方對(duì)此貨物投保？4.tocover(insure)sb.onsth.Pleaseinsureusonthefollowinggoods.請(qǐng)為我方投保以下貨物。第34頁(yè)5.toinsure…for按……金額投保Weshallinsurethegoodsfor110%oftheinvoicevalue.我方將按發(fā)票金額110%投保此貨物Wewishyoutoinsurethegoodsfortheinvoicevalueplus10%我方希望貴方按發(fā)票金額加10%投保。6.toinsure…with…向……投保WeusuallyinsurewiththePeople’sInsuranceCompanyofChinaforthegoodssoldonCIFbasis.我方普通對(duì)按CIF價(jià)出售貨物向中國(guó)人民保險(xiǎn)企業(yè)投保。InsuranceistobeeffectedbythesellersagainstAllRisksfor110%oftheinvoicevaluewiththePeople’sInsuranceCompanyofChina.由賣(mài)方按發(fā)票金額110%向中國(guó)人民保險(xiǎn)企業(yè)投保一切險(xiǎn)。第35頁(yè)7.tocompensatefor賠償Ifanydamagetothegoodsoccursaclaimatyourend,whowillundertaketocompensateforthelosssustained.貨物如發(fā)生損壞，可向貴地保險(xiǎn)代理提出索賠。他們將賠償貴方遭受損失。Wearesorrytolearnthatyourgoodswerebadlydamagedduringtransitandtheinsurancecompanywillcompensateyouforthelossesaccordinglytothecoveragearranged.我方很遺憾得知貴方貨物在途中嚴(yán)重受損。保險(xiǎn)企業(yè)將按照投保險(xiǎn)別賠償貴方損失。8.toissureaninspectioncertificate簽發(fā)檢驗(yàn)證實(shí)WeencloseaninspectioncertificateissuredbytheBeijingCommodityInspectionBureauandtheShippingAgent’sStatementaswellastheoriginalInsurancePolicy.現(xiàn)附上北京商品檢驗(yàn)局簽發(fā)檢驗(yàn)證實(shí)和輪船代理人匯報(bào)書(shū)，以及保險(xiǎn)單原件。第36頁(yè)9.tosubmitaninsuranceclaim=lodgetheclaimsfor)提出保險(xiǎn)索賠Aninsuranceclaimshouldbesubmittedtotheinsurancecompanyoritsagentswithin30daysafterthearrivaloftheconsignmentattheportofdestination.保險(xiǎn)索賠應(yīng)在貨物到達(dá)目港30天內(nèi)提交保險(xiǎn)公司或其代理商。Shouldanydamagebeincurredyoumayapproachtheinsuranceagentsatyourendandsubmitaninsuranceclaimsupportedbyasurveyreport.如果貨物發(fā)生損壞，貴方可憑檢驗(yàn)報(bào)告與貴處保險(xiǎn)代理聯(lián)系并提出保險(xiǎn)索賠。第37頁(yè)Contents8.1Briefintroduction8.2ClassificationsofInsurance8.3TypesofInsurance8.4RisksinforeignTrade

8.5InsuranceDocuments8.6Basicexpressions8.7Practice8.8WritingStrategy8.9Summary8.10Homework第38頁(yè)8.1Introduction

Itiscustomarytoinsuregoodsforexportagainsttheperilsofthetransport.Ininternationaltrade,thetransportationofgoodsfromthesellertothebuyerisgenerallyoveralongdistancebyair,landorseaandhastogothroughtheproceduresofloading,unloadingandstoring.

第39頁(yè)8.1IntroductionDuringthisprocedureitisquitepossiblethatthegoodswillencountervariouskindsofperilsandsometimessufferlosses.Inordertoprotectthegoodsagainstpossiblelossesincaseofsuchperils,thebuyersorsellersbeforethetransportationofthegoodsusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodsintransit.Asalargepercentageofthetradeinandoutofourcountrygoesbyship,whatmainlyconcernsusisstilltheMarineInsurance.

第40頁(yè)8.1Introduction在國(guó)際貿(mào)易中，貨物從賣(mài)方抵達(dá)買(mǎi)方，通常要經(jīng)過(guò)長(zhǎng)途運(yùn)輸、裝卸和存放等過(guò)程。在此過(guò)程中，貨物經(jīng)常會(huì)碰到許多風(fēng)險(xiǎn)。為了保障貨物遭受損失時(shí)能得到一定賠償，買(mǎi)方或賣(mài)方應(yīng)在貨物裝船后向保險(xiǎn)企業(yè)投保貨物運(yùn)輸險(xiǎn)。對(duì)外貿(mào)易運(yùn)輸保險(xiǎn)是指：被保險(xiǎn)人（出口人或進(jìn)口人）對(duì)一批或若干批貨物向保險(xiǎn)人按一定金額投保一定險(xiǎn)別，并交納保險(xiǎn)費(fèi)；保險(xiǎn)人承保后，假如所保貨物在運(yùn)輸過(guò)程中發(fā)生約定范圍內(nèi)損失，應(yīng)按照所出具保險(xiǎn)單要求給予被保險(xiǎn)人經(jīng)濟(jì)上賠償。投保時(shí)，通常選擇平安險(xiǎn)（F.P.A.）,水漬險(xiǎn)（W.A.或W.P.A.）或一切險(xiǎn)（A.R.）三種基本險(xiǎn)別中一個(gè)，然后，加保其它必要特殊附加險(xiǎn)別。第41頁(yè)Concerningmeansoftransportation,therearefourkindsofbasicinsurance:MarineinsuranceLandtransportationinsuranceAirtransportationinsuranceMail/Parceltransportationinsurance8.2ClassificationsofInsurance第42頁(yè)8.3TypesofInsuranceThePeople’sInsuranceCompanyofChinaprovidesthreebasictypes,whicharecalled“basicrisks”:1)FreefromParticularAverage(FPA)平安險(xiǎn)；FPAcoverstheshipbeingstranded,sunk,burntorinvolvedinacollision.Theinsurancecompanyisresponsiblefortotallossorforgeneralaverageloss(共同海損是為了使船舶或船上貨物防止共同危險(xiǎn)，而有意地、合理地作出特殊犧牲或支付特殊費(fèi)用。),butnotforparticularaverageloss.第43頁(yè)8.3TypesofInsurance2)WithParticularAverage(WPA)水漬險(xiǎn)；WPA,however,coversallriskscoveredbyFPA,plusparticularaverage.3)AllRisks:一切險(xiǎn)；AllRiskscoversalltheriskscoveredbyFPAandWPAandadozenorsogeneraladditionalrisks.Butitdoesn’t,asitsnamesuggests,reallycoverallrisks.Thespecialadditionalrisks,suchaswarrisk,strikerisk,etc.donotbelongtothecoverageof“AllRisks”.第44頁(yè)8.4RisksinforeignTrade

Sofarasforeigntradeisconcerned,thereexistvariouskindsofrisks&coveragewhichcanbecoveredunderaninsurancepolicy(orcertificate),suchas：GeneralExtraneousRisksrefertotherisksarisingfromthegeneralextraneouscausessuchastheft,rain,shortage,stain,leakage,breakage,rusting,hookdamage.SpecialExtraneousRisksrefertotherisksarisingfromthespecialextraneouscausessuchaswar,strike,andgovernmentprohibition.第45頁(yè)8.4RisksinforeignTrade1)GeneralAdditionalRisks(普通附加險(xiǎn))：Theft,PilferageandNon-delivery縮T.P.N.D偷竊提貨不著險(xiǎn)FreshWater&/orRainDamage淡水雨淋險(xiǎn)RiskofShortage短量險(xiǎn)RiskofIntermixtureandContamination混雜玷污險(xiǎn)RiskofLeakage滲漏險(xiǎn)第46頁(yè)8.4RisksinforeignTradeRiskofClashandBreakage碰損破碎險(xiǎn)RiskofOdor串味險(xiǎn)HookDamage鉤損險(xiǎn)DamageCausedbySweatingand&Heating受潮受熱險(xiǎn)Breakageof

Packing包裝破裂險(xiǎn)RiskofRust銹損險(xiǎn)第47頁(yè)8.4RisksinforeignTradeSpecialAdditionalRisks(特殊附加險(xiǎn))：戰(zhàn)爭(zhēng)險(xiǎn)（WarRisk）罷工險(xiǎn)(StrikesRisk)交貨不到險(xiǎn)（Failureto

Delivery）進(jìn)口關(guān)稅險(xiǎn)(ImportDutyRisk)艙面險(xiǎn)(OnDeckRisk)拒收險(xiǎn)(RejectionRisk)黃曲霉素險(xiǎn)(AflatoxinRisk).[?fl?t?ksin]

第48頁(yè)偷竊提貨不著險(xiǎn)（Theft,PilferageandNon-Delivery,簡(jiǎn)稱TPND）：保險(xiǎn)使用期內(nèi)，保險(xiǎn)貨物被偷走或竊走，以及貨物運(yùn)抵目標(biāo)地以后，整件未交損失，由保險(xiǎn)企業(yè)負(fù)責(zé)賠償。

貨物被偷走和因?yàn)橥蹈`行為造成貨物損壞都屬于偷竊所致?lián)p失，提貨不著是指因?yàn)檫\(yùn)輸上原因，被保險(xiǎn)人未能在目標(biāo)地提取整件貨物或全部貨物損失。另外，該條款還要求被保險(xiǎn)人必須向責(zé)任方取得證件提貨不著證實(shí)。第49頁(yè)鉤損險(xiǎn)（hookdamage）保險(xiǎn)貨物在裝卸過(guò)程中因?yàn)槭褂檬帚^、吊鉤等工具所造成損失，比如糧食包裝袋因吊鉤鉤壞而造成糧食外漏所造成損失，保險(xiǎn)企業(yè)應(yīng)予賠償。第50頁(yè)交貨不到險(xiǎn)（Failureto

Delivery）承保被保險(xiǎn)貨物從裝上船時(shí)開(kāi)始，假如在預(yù)定抵達(dá)目標(biāo)地日期起滿6個(gè)月內(nèi)仍未運(yùn)到目標(biāo)地交貨損失。交貨不到險(xiǎn)承保損失主要是因?yàn)檎紊显蚨斐韶浿鳠o(wú)法按時(shí)收到貨物，如因?yàn)橹型灸硣?guó)對(duì)貨物扣押而造成交貨不到損失。第51頁(yè)艙面險(xiǎn)（OnDeckRisk）艙面險(xiǎn)承保裝載在艙面上貨物因?yàn)楸ｋU(xiǎn)事故而造成損失和貨物因被拋棄或因風(fēng)浪沖擊落水損失。在海上運(yùn)輸貨物，不論是干貨船、散裝船，普通都是裝在艙內(nèi)。在制訂貨物運(yùn)輸責(zé)任范圍和費(fèi)率時(shí)，都是以艙內(nèi)運(yùn)輸作為考慮基礎(chǔ)。假如貨物是裝在艙面，保險(xiǎn)企業(yè)對(duì)此不能負(fù)責(zé)。不過(guò)有些貨物因?yàn)轶w積大、有毒性或者有污染性，依據(jù)航運(yùn)習(xí)慣必須裝載于艙面，為了處理這類貨物損失賠償，就產(chǎn)生了附加艙面險(xiǎn)。因?yàn)樨浳镅b載在艙面風(fēng)險(xiǎn)很大，所以保險(xiǎn)人普通只在平安險(xiǎn)基礎(chǔ)上加保艙面險(xiǎn)。另外，因?yàn)楝F(xiàn)在廣泛應(yīng)用集裝箱運(yùn)輸船舶設(shè)備優(yōu)良，抗風(fēng)險(xiǎn)能力強(qiáng)，所以即使集裝箱按習(xí)慣普通能夠裝載在艙面上，但保險(xiǎn)業(yè)界普通也都將其視為裝在艙內(nèi)貨物，不需加保艙面險(xiǎn)即可得到保障。

第52頁(yè)拒收險(xiǎn)（RejectionRisk）拒收險(xiǎn)是指保險(xiǎn)企業(yè)對(duì)被保險(xiǎn)貨物因在港被進(jìn)口國(guó)相關(guān)當(dāng)局拒絕進(jìn)口或沒(méi)收給予負(fù)責(zé)，并按照被拒絕進(jìn)口或沒(méi)收貨物保險(xiǎn)價(jià)值賠償。但投保這項(xiàng)保險(xiǎn)時(shí)，投保人必須提供貨物進(jìn)口所需進(jìn)口許可證和限額等一切手續(xù)，這些手續(xù)都齊全，保險(xiǎn)人才接收投保。假若被保險(xiǎn)貨物起運(yùn)后，進(jìn)口國(guó)宣告實(shí)施任何禁止或禁運(yùn)，保險(xiǎn)企業(yè)僅負(fù)擔(dān)賠償運(yùn)回到出口國(guó)或轉(zhuǎn)口到其它目標(biāo)地所增加運(yùn)費(fèi)，但最多不超出該批貨物保險(xiǎn)價(jià)值。

第53頁(yè)黃曲霉素險(xiǎn)（AflatoxinRisk）

黃曲霉素是一個(gè)帶有毒性物質(zhì)，發(fā)霉花生、大米經(jīng)常含有這種毒素，假如這種毒素含量超出進(jìn)口國(guó)要求限制標(biāo)按時(shí)，就會(huì)被進(jìn)口國(guó)拒絕進(jìn)口、沒(méi)收或強(qiáng)制改變用途。黃曲霉素險(xiǎn)就是承保貨物這類損失。該險(xiǎn)別實(shí)際上是一個(gè)詳細(xì)針對(duì)黃曲霉素拒收險(xiǎn)。

第54頁(yè)8.5InsuranceDocuments

Ininternationalbusiness,insurancedocumentsaregenerallydividedintotwokinds:InsurancePolicyandInsuranceCertificate.第55頁(yè)8.5.1InsurancePolicyInsurancePolicyisaformalinsurancecontractdefiningtheinsuranceplan,itscoverage,exclusions,eligibilityrequirements,andallbenefitsandconditionsthatapplytoindividualsinsuredundertheplan.InC.I.F,itisanecessarydocumentthatthesellershouldprovideforthebuyer.第56頁(yè)ContentsoftheInsurancePolicyTitlePolicyNo.ThenameoftheinsuredParticulars(1)insuranceamount(2)descriptionofgoods(3)portofshipmentandportofdestination

第57頁(yè)(4)nameofcarryingvessel(5)Dateofshipment(6)Kindsofcoverage5.NameofSurveyCo.andtheplaceofclaimspayable6.Theplaceandthedateofthepolicyissued7.Signature第58頁(yè)8.5.2InsuranceCertificateInsuranceCertificateisasimplifiedinsurancecontract,certifyingthataninsurancepolicyhasbeenboughtandshowinganabstractofthemostimportantprovisionsoftheinsurancecontract.Butitisnotasubstitutefortheactualpolicy,andisnormallyanon-negotiabledocument,thatistosay,itcannotbeassignedtoathirdparty,andisunacceptableunderthetermsofaletterofcreditandinmakingaclaim.

第59頁(yè)8.6Basicexpressions1)Expressionabout“insurance”insuranceclause保險(xiǎn)條款insuranceamount保險(xiǎn)額insuranceclaim保險(xiǎn)索賠insurancecoverage保險(xiǎn)范圍

第60頁(yè)8.6Basicexpressionsinsurancepolicy保險(xiǎn)單,俗稱大保單，正規(guī)保單insurancepremium保險(xiǎn)費(fèi)insurancecertificate保險(xiǎn)憑證,俗稱小保單insuranceagent保險(xiǎn)代理人insurancebroker保險(xiǎn)代理人；保險(xiǎn)經(jīng)紀(jì)人

第61頁(yè)8.6Basicexpressions2)Expressionabout“insure”v.保險(xiǎn)toinsurethegoodsagainstarisktoinsureagainstarisktheinsured被保險(xiǎn)人insuredamount保額insuredcargo投保貨物第62頁(yè)8.6Basicexpressionsinsuredgoods投保貨物Pleaseinsureagainstallrisk.請(qǐng)投保一切險(xiǎn)。PleaseinsureFPA.請(qǐng)投保平安險(xiǎn)。WehaveinsuredthegoodsWPA.請(qǐng)給這些貨物投保水漬險(xiǎn)。

第63頁(yè)8.6BasicexpressionsWenotedthatyouwishtoinsureshipmentfor10%aboveinvoicevalue，whichishavingourdueattention.我們已注意到你方愿意按發(fā)票金額10%投保。我們正在洽辦中WeshallcoverTPNDonyourorder.我們將為你方所訂貨物投保偷竊、提貨不著險(xiǎn)。W.P.A.plusRiskofBreakagesuityourconsignment.你方貨物適合投保水漬險(xiǎn)和破碎險(xiǎn)。

第64頁(yè)8.6BasicexpressionsWeprefersellingonCIFbasisbutforthistransactionwewouldlikeyoutoeffectinsuranceonyourside.我們喜歡按CIF價(jià)格賣(mài)貨，但對(duì)這筆交易我們希望由你方在你處投保。PleaseinsureagainstAllRisksasW.P.A.istoonarrowacoverage.請(qǐng)投保一切險(xiǎn)，因?yàn)樗疂n險(xiǎn)范圍太窄。

第65頁(yè)8.6Basicexpressions3)Expressionabout“cover”v.n.保險(xiǎn)“coverage”n.承保范圍；險(xiǎn)別總稱insurancecoverage保險(xiǎn)范圍tocoverinsurance辦理保險(xiǎn)toholdsthcovered辦理保險(xiǎn)degreeofcover保險(xiǎn)范圍extentofcover保險(xiǎn)范圍Wehavearrangedthenecessaryinsurancecover.我們已辦理了必要保險(xiǎn)。Insuranceistobecoveredbythebuyers.保險(xiǎn)將由買(mǎi)方辦理。

第66頁(yè)8.6BasicexpressionsW.P.A.coverageistoonarrowforashipmentofthisnature.PleaseextendthecoveragetoincludeTPND.對(duì)這種性質(zhì)貨物只投保水漬險(xiǎn)是不夠，請(qǐng)加保偷竊提貨不著險(xiǎn)DoyoucoverrisksotherthanW.P.A.andWarRisk?除了水漬險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)外，你們還保其它險(xiǎn)嗎？ForFOBandC&Fsales,insuranceistobecoveredbybuyers.對(duì)離岸價(jià)格及成本加運(yùn)費(fèi)價(jià)格條件賣(mài)貨，保險(xiǎn)由買(mǎi)方辦理。第67頁(yè)8.6Basicexpressions4)invoicevalue發(fā)票金額for110%ofinvoicevalue按發(fā)票金額110%for10%aboveinvoicevalue在發(fā)票價(jià)值上加10%atinvoicevalueplus10%按發(fā)票價(jià)值另加10%Pleaseinsurefor10%aboveinvoicevalue.Pleaseinsurefor110%ofinvoicevalue.Pleaseinsureatinvoicevalueplus10%.

第68頁(yè)

8.7Practice1.Asyourrequest,wehaveinsuredyourOrderNo.520fortheinvoicevalueplus10%uptotheportofdestination.應(yīng)你方要求，我方已按發(fā)票金額110%對(duì)你方520號(hào)訂單作了投保，保險(xiǎn)終止地為目標(biāo)港。2.JudgingfromtherecentsituationinKosovo,WecancoverWarRisk,butitissubjecttoanadditionalpremium,becauseourCIFquotationdoesn’tincludethisrisk.從科沃當(dāng)前形勢(shì)看，我方能夠做到投保戰(zhàn)爭(zhēng)險(xiǎn)，但要交額外保險(xiǎn)費(fèi)，因?yàn)槲曳紺IF報(bào)價(jià)沒(méi)有包含這種險(xiǎn)別。第69頁(yè)3.WeshallbegladtoknowwhetheryoucanundertakeinsuranceofwineagainstAllRisks,includingBreakageandPilferage.我方希望知道你方能否為葡萄酒承保全損險(xiǎn)，包含破損險(xiǎn)和偷竊險(xiǎn)。4.Obtainingproperinsuranceforyourconsignmentwillindemnifyyouagainstloss,theft,anddamagetoyourshipmentatsea.為貨物上適當(dāng)保險(xiǎn)，可使你貨物在海運(yùn)過(guò)程中遭到丟失、偷竊和損壞時(shí)得到賠償。

第70頁(yè)5.Ifyouhaveanyquestionsconcerninginsurance,pleasedonothesitatetowriteusandwewilldoourutmosttoserveyou.假如你方有任何關(guān)于保險(xiǎn)方面問(wèn)題，請(qǐng)馬上寫(xiě)信給我方，我方將不遺余力地為你方服務(wù)。6.Wewillfollowourcontractandadheretoourusualpracticeandsincerelyhopethatthiswillnotaffectourfuturebusinessrelations.我方將依照協(xié)議，堅(jiān)持通例，并真摯地希望這不會(huì)影響到我們雙方未來(lái)商業(yè)關(guān)系。

第71頁(yè)7.ThefranchisefortheadditionalRiskofBreakageonsuchfragilearticlesis5%.Inotherwords,ifthebreakageissurveyedtobelessthan5%,noclaimsfordamagewillbeentertained.對(duì)于這種易碎物品破損險(xiǎn)免賠率為5%。換句話說(shuō)，假如調(diào)查證實(shí)貨物破損率不足5%，保險(xiǎn)企業(yè)不接收索賠。8.Inordertoprotectthegoodsagainstpossiblelossincaseofsuchrisks,thebuyerorsellerbeforethetransportationofthegoodsusuallyappliestoaninsurancecompanyforinsurancecoveringthegoodsintransit.為保護(hù)貨物免遭這類風(fēng)險(xiǎn)可能造成損失，買(mǎi)方或賣(mài)方經(jīng)常在運(yùn)輸前向保險(xiǎn)企業(yè)提出申請(qǐng)為運(yùn)輸途中貨物保險(xiǎn)。8.7Practice第72頁(yè)8.7Practice9.Youshouldstudynotonlythebenefitsbutalsothetermsandlimitationsofaninsuranceagreementthatappearsbestsuitedtoyourneeds.你不但要研究各種保險(xiǎn)協(xié)議所標(biāo)明給予保險(xiǎn)人賠償費(fèi)用，還要研究它條件與限制，然后選出最適合你需要一個(gè)。10.Thepremiumchargedfortheinsurancepolicyiscalculatedaccordingtotherisksinvolved.按保險(xiǎn)單金額收取保險(xiǎn)費(fèi)是依據(jù)風(fēng)險(xiǎn)大小計(jì)算。第73頁(yè)8.8WritingStrategy8.8.1AskingtoCoverFPAa.

Nameofcommodityb.Quantityofcommodityc.Suggestedinsurancecoveraged.

Urgentresponsee.Waitingforconfirmationf.

Contactinformation第74頁(yè)8.8Wr