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1、,Unit 11 Insurance 保 险,世纪商务英语 外贸函电,,Basic Knowledge Concerned,Letter-writing Guide,Other Commonly Used Expressions and Sentences,Sample Letters,Practical Training,Part One,Part Two,Part Three,Part Four,Part Five,Contents,,Part One,Insurance is an essential procedure in international trade. The insur
2、ed can obtain the guarantee from the insurance company (the insurer) to get compensation of the cargo damaged or lost in transit at a relatively small cost namely the insurance premium. Almost every international transaction by sea gets involved in insurance because the risks in the sea voyage are u
3、nexpected and varied. Therefore it now has become the common sense that insurance should be bought in an international transaction, either by the exporter or the importer.,1. The Significance of Insurance,,Part One,Usually, there are three kinds of basic risks package. They are FPA (Free from Partic
4、ular Average), WA/WPA (With Particular Average) and AR (All Risks). The insured needs to choose one of them to insure against. In terms of the range of risks coverage, FPA is included in WA/WPA, and WA/WPA is included in AR. There are also eleven types of General Additional Risk. Neither of them can
5、 be insured against alone. The insured is allowed to insure against one or several of them on the basis that he has already chosen FPA or WPA. The insured choosing AR does not need to consider them as AR has naturally covered all of them. The eleven types of General Additional Risk are (1)Theft, Pil
6、ferage and Non-Delivery (TPND), (2)Fresh Water &/or Rain Damage (FWRD), (3)Risk of Shortage (4)Risk of Intermixture and Contamination, (5)Risk of Leakage (6)Risk of Clash & Breakage, (7)Risk of Odour, (8)Heating & Sweating Risk (9)Hook Damage Risk, (10)Risk of Rust, (11)Breakage of Packing Risk. Oth
7、er than the above risks there are another eight kinds of Special Additional Risk, against one or several of which the insured can insure the cargo.,2. The Coverage of Insurance,,Part One,3. The Role of the Insurance Policy,If the damage or loss of the consignment, which has been insured, occurs duri
8、ng the period of transportation and discharge, the insured will certainly lodge a claim asking for indemnity from the insurer. Under such circumstances the insurance policy of the cargo becomes an indispensable document to be presented. Under CIF term and under payment method of Letter of Credit (L/
9、C), after shipping the goods the exporter will go to the negotiating bank requesting the payment of the shipped cargo by submitting several required documents, among which the insurance policy is a must together with the Bill of Lading(B/L), commercial invoice and draft, etc.,,Part Two,,Part Two,,Pa
10、rt Two,,Part Two,,Part Two,,Part Two,,Part Three,Expressions (1),1. the insured 被保险人 2. the insurer 承保人,保险人 3. insurance company 保险公司 4. insurance agent 保险经纪 5. insurance policy 保险单 6. insurance value/amount 保险金额 7. insurance premium 保险费 8. insurance coverage 保险范围(可指险别和/或金额范围) 9. Free from Particula
11、r Average (FPA) 平安险 10. With Particular Average (WPA/WA) 水渍险,,Part Three,Expressions (2),11. All Risks (AR) 一切险 12. General Additional Risk 一般附加险 13. Special Additional Risk 特殊附加险 14. War Risk 战争险 15. with a franchise of. % 有一个%的免赔率 16. cover/effect/arrange/take out/attend to/provide/handle insuranc
12、e 投保,买保险 17. cover the goods against. risk 为货物投保险 18. insure. with. insurance company 向保险公司投保货物 19. for ones account 由支付 20. the Peoples Insurance Company of China (PICC) 中国人民保险公司,,Part Three,Typical Sentences (1),1. We will insure the goods against WPA and TPND for the invoice value plus 10%. 2. Ma
13、ny export-oriented Chinese manufacturers choose to insure their consignment with the PICC. 3. We would like to take out insurance on your behalf. 4. Considering the port of destination is not far from the war zone we suggest you to cover the insurance for the shipment against All Risks and War Risk.
14、 5. When we cover insurance for goods made of glass it is necessary that Risk of Clash & Breakage is included. 6. Im calling to ask whether your insurance company allows the foodstuffs to be insured against the risk of deterioration. 7. As the exporter, we follow the prevalent practice that our CIF
15、price covers the insurance against WPA and any extra premium of additional risks should be for the importers account.,,Part Three,Typical Sentences (2),8. It has become the common sense that the insurance of goods traded on the basis of CFR or FOB term is supposed to be arranged by the buyer. 9. Unless otherwise regulated in the L/C, the negotiation bank will permit the beneficiary/exporter to deliver e
