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1、InsuranceLearning objectives:By studying this unit, you will be able to: Know why and how to insure goods and what insurance letters concern Know the essential components of a letter concerning insurance Master typical sentences and expressions in writing such letter Types of International cargo tra
2、nsport insurance 国际货物运输保险种类 Air transportation insurance 航空运输保险 Overland transportation insurance 陆运险 Parcel post insurance 邮包运输险 Marine insurance 水险，海运险 1.China Insurance Clauses 中国保险条款（C.I.C）(made by PICC) Ocean Marine Cargo Clauses 中国海洋运输货物保险条款 （OMCC） 2.Institute Cargo Clauses 协会货物保险条款 （I.C.C）ICC
3、(A) Institute War clauses-Cargo ICC (B) Institute Strike clauses-CargoICC (C) Malicious Damage Clause 恶意损害险条款 Insurance Clauses 保险条款Two types of basic and additional risks Three types of the basic insurance covers in marine insurance: FPA ( Free of Particular Average), WA (With Average) and All Risk
4、s. Two types of additional insurance: General Additional Risks and Special Additional Risks.1. Basic Risks 基本险： FPA (Free from Particular Average) 平安险 WA or WPA ( With average or With Particular Average) 水渍险 All Risks 一切险，综合险 2. General Additional Risk 一般附加险3. Special Additional Risk特殊附加险 War Risk 战
5、争险 S.R.R.C (strikes, Riots, Civil Commotions) 罢工、暴动、民变 险 Import Duty Risk 进口关税险 Rejection Risk 拒收险 Failure to Deliver Risk 交货不到险Insurance CoverageGeneral additional risks (一般附加险） Theft, Pilferage & Non-Delivery Risks (T.P.N.D) 偷窃提货不着险 Fresh and/or Rain Water Damage Risks (FWRD) 淡水雨淋险 Shortage Risk =
6、 Risk of Shortage 短量险 Intermixture & Contamination Risks 混杂，沾 污险 Leakage Risk = Risk of Leakage 渗漏险 Clash & Breakage Risks 碰损，破碎险 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Some usual practice of insurance in the in
7、ternational trade Under the terms of FOB and CFR, the importer is responsible for insurance up to the port of destination. Under the terms of CIF, the exporter insures the goods.The procedure of covering insurance Complete a proposal form submit to the insurance company the insurance company accepts
8、 the proposal the insurance company issues an insurance policyPhrases and expressions insurance insurance clause 保险条款 insurance coverage 保险范围/险别 insurance amount 保险额 insurance premium 保险费 Underwriter 保险商 Insurance company 保险公司 the insured 被保险人 insured cargo /goods 投保货物 insurance declaration 保险声明书；保险
9、通知书 insurance policy 保险单, 俗称大保单，正规保 单 insurance certificate 保险凭证, 分保单，俗称小 保单-简式保单 coverage n. 承保范围；险别总称我方按发票金额的110%投保仅至目的港。 1)Our insurance coverage is for 110% of invoice value up to the port of destination only. 3) W.P.A. coverage is too narrow for a shipment of this nature. Please extend the cove
10、rage to include TPND.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。 premium n. 保险费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。 。 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. Premium rate 保险费率
11、premium rebate 保险费回扣 premium tariff 保险费率表 extra premium 额外保险费 投保；办理保险的表达法 to insure +(against )险别 to insure (cover) sb. on sth. 为.投保 to insure (cover) sth. against (for, with, at ) . cover Effect Arrange Take out Provide Issue On . (货物/贸易术语） For (保险金额） At （保险费率） Against (保险险别）WPA /FPA前不用 With (保险公司）
12、 By (投保人）InsuranceSamples : Please take out (.)insurance (.coverage) on (of) the goods (shipment/consignment/order) against All Risk() for us (for our account/ on our behalf) with (name) Insurance Company for the sum of US$.(for)at the rate of% translation : 1. 根据你方要求，我们将按发票金额的110% 投保。 We shall cove
13、r insurance for 110% of the invoice value in accordance with your request. 2. 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. The insurance policy covers us against Breakage. 这份保单给我们保了破碎险保 险 单 保险单号码：118765兹证明中国轻工产品进出口公司上海分公司向本公司投保：总保险金额：100，000美元整投保货物：5，00
14、0 台“蝴蝶”牌缝纫机自上海港至纽约港装载工具：和平轮启航日期：1996年5月20日承保险别：一切险如有损坏，由检验行查勘，在上海理赔。本保险单一式二份1996年5月7日于上海开具。中国人民保险公司 上海分公司 insurance policy Insurance PolicyInsurance PolicyInvoice No. 1234 Policy No. 118765This is to certify that this Company has insured on behalf of China National Light Industrial Products Import &
15、 Export Corp, Shanghai Branch.The sum of US dollars One Hundred Thousand only.Upon Five Thousand sets “Butterfly” Sewing Machines.At & from Shanghai to New York.Ship or vessel: S/S “Peace”. Sailing on or about May 20,1996.Covering All Risks.In the event of damage, to be surveyed by Johnson Survey Co. and claims payable at Shanghai.This policy is issued in duplicate at Shanghai
