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1、Different Insurance ClausesDifferent ways of expressing the insured amount Three basic RisksOther Additional RisksInsurance Policy/ Certificate Open PolicyCoverageChapter Nine Insurance Main & Difficult Points Specimen Letter 1DearSir,We thank you for your letter of July 12, quoting us 500metrictons
2、ofIntestineCasingonCIFterms.Withregardtothis transaction, however, we prefer to have your offers onCFRterms.Foryourinformation,wehavetakenoutanopenpolicywiththeLloydInsuranceCompany,London.Whenashipmentismade we shall inform the company of the particulars forcertain.Furthermore,weusuallyreceivefromo
3、urunderwritersquiteahandsomepremiumrebateatregularintervals.In the meantime, would you please supply us with fulldetailsregardingthescopeofcoverhandledbythePeoplesInsuranceCompanyofChinaforourreference?Welookforwardtohearingfurtherfromyouatanearlydate.Yoursfaithfully,Language Points1.open policy 预约保
4、单预约保单 ，船名未确定保单，船名未确定保单2.the Lloyd Insurance Company 劳埃德保险公司劳埃德保险公司theparticularsofthefulldetailsof的全部细节；的详细情况3.the particulars 细节；详细情况细节；详细情况 4.intestine casing n. 肠衣肠衣 effectanopenpolicywith与洽办预约保单十七、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
5、得会员资格的承保人办理。 Language Pointsinsurer保险人；保险商insurancecompany保险公司underwriter保险商 theinsured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proposalform投保申请单5. underwriters n. 保险人；保险商保险人；保险商 6.handsome adj. 相当大的；可观的相当大的；可观的 ahandsomesumof一笔可观的金额alargeamountof一笔可观的金额 Language Points1)保
6、险费是根据投保险别的保险费率计算的。Thepremiumiscalculatedaccordingtothepremiumrateorratesforriskstobecovered.3)Insuranceofthegoodsistobecoveredbyusfor110%oftheCIFvalue,and any extrapremiumforadditionalinsurance,ifrequired,shallbebornebythebuyers.premiumrebate保险费回扣premiumtariff保险费率表extrapremium额外保险费2)此种险别的保险费率是百分之一。T
7、hisriskiscoverableatapremiumof1%.7.premium n. 保险费保险费 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。8.rebate n. 回扣回扣 Language Points9.regarding prep. 关于关于 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。Weareenclosingthelatestexportlistregardingthemainitemsavailableatpresent.10.coverage n. 承保范围；险别总称承保范围；险别总称 insuranceco
8、verage保险范围我方按发票金额的110%投保仅至目的港。1)Ourinsurancecoverageisfor110%ofinvoicevalueuptotheportofdestinationonly.2)KindlynotethattheinsurancecoversFPAandWarRisksonly.Shouldadditionalinsurancecoverageberequired,theextrapremiumincurredwouldbeforthebuyersaccount.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。11.The Pe
9、oples Insurance Company of China 中国人民保险公司中国人民保险公司 缩写：缩写：PICC Language Points12.Three Basis Risks： 1.FPA（FreeFromParticularAverage）平安险平安险2.WPA（WithParticularAverage）水渍险水渍险3.AllRisks综合险；一切险综合险；一切险13.Other Additional Risks：Theft,Pilferage&Non-DeliveryRisks(T.P.N.D)偷窃提货不着险Freshand/orRainWaterDamageRisks
10、淡水雨淋险ShortageRisk=RiskofShortage短量险Intermixture&ContaminationRisks混杂，沾污险LeakageRisk=RiskofLeakage渗漏险Clash&BreakageRisks碰损，破碎险TaintofOdorRisk串味险Sweating&Heating受潮受热险HookDamageRisk钩损险RustRisk=RiskofRust锈损险BreakageofPackingRisk包装破损险WarRisk战争险Strikes,RiotsandCivilCommotions(S.R.C.C.)罢工，暴动，民变险 Language P
11、ointsPartialloss部分损失Particularaverage单独海损Generalaverage共同海损Totalloss全部损失Actualtotalloss实际全损Constructivetotalloss推算全损Analyzingtheletter ParagraphOne:identifyingthereferenceParagraphTwo:statingthereasonforrequirementforCFRtermsParagraphThree:askingforthefulldetailsofcoveragehandledbyPICCParagraphFour:
12、theclosingsentenceoftheletter Chinese version of the letter 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， Writing Steps1.the opening sentence of the lette
13、r2.advising the recipient of the establishment of L/C3.asking for punctual delivery4.closing sentence the letter Specimen Letter 2DearSir,Re: Your Order No.1023 for 500 Cases ToysWe have received your letter dated 23 July requesting us to effectinsuranceonthecaptionedshipmentforyouraccount.Weareplea
14、sedtoinformyouthatwehavecoveredtheaboveshipmentwiththePeoplesInsuranceCompanyofChinaagainstAllRisksfor$2,300.Thepolicyisbeingpreparedaccordinglyandwillbesenttoyoubytheendofthisweektogetherwithourdebitnoteforthepremium.Foryourinformation,we aremakingarrangementstoshipthe500casesoftoysbyS/STaiHu，saili
15、ngonorabout12ofAugust.Yourstruly, Language Points1.insurance n. 保险保险 insuranceclause保险条款insuranceamount保险额insuranceclaim保险索赔insurancecoverage保险范围insurancepolicy保险单,俗称大保单，正规保单insurancepremium保险费insurancecertificate保险凭证,俗称小保单insuranceagent保险代理人insurancebroker保险代理人；保险经纪人insurancedeclaration保险声明书；保险通知书i
16、nsuranceendorsement保险批单airtransportationinsurance航运运输保险marineinsurance海运险；水险；海上保险oceanmarinecargoinsurance海洋运输货物保险overlandtransportationinsurance陆上运输保险parcelpostinsurance邮包保险q投保；办理保险的表达法投保；办理保险的表达法 Language Pointstoarrangeinsuranceonthegoodsagainstriskfor110%ofinvoicevaluewiththeinsurer与保险商就货物按发票金额的
17、百分之十投保险toeffectinsurancetoprovideinsurancetotakeoutinsurancetocoverinsuranceq insure v. 保险保险toinsurethegoodsagainstarisktoinsurearisktoinsureagainstarisktheinsured被保险人insuredamount保额insuredcargo投保货物insuredgoods投保货物 Language Pointsq Relative Expressions1)请投保一切险。Pleaseinsureagainstallrisk.2)请投保平安险。Ple
18、aseinsureFPA.3)我们已给这些货物投保水渍险。WehaveinsuredthegoodsWPA.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。Wenotedthatyouwishtoinsureshipmenttoyoufor10%aboveinvoicevalue，whichishavingourdueattention.5)我们将为你方所订货物投保偷窃、提货不着险。 Language PointsWeshallcoverTPNDonyourorder.6)你方货物适合投保水渍险和破碎险。W.P.A.plusRiskofBreakagesuityourconsi
19、gnment.7)WeprefersellingonCIFbasisbutforthistransactionwewouldlikeyoutoeffectinsuranceonyourside.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。PleaseinsureagainstAllRisksasW.P.A.istoonarrowacoverage.2.for ones account 由由支付支付 Language Pointsforonesaccounttobebornebytoberesponsible1)额外运费由买方负担。The
20、extrafreightistobeforbuyersaccount.2)这批货物是我们代我分公司购买的。Weboughtthegoodsfortheaccountofourbranchoffice.3)按常规，额外保险费应由买方负责。Asarule,theextrapremiuminvolvedwillbeforbuyersaccount.3.cover v. n. 保险保险 Language Pointscoveragen.承保范围；险别总称insurancecoverage保险范围tocoverinsurance办理保险toholdsthcovered办理保险degreeofcover保
21、险范围extentpfcover保险范围1)我们已办理了必要的保险。Wehavearrangedthenecessaryinsurancecover.2)保险将由买方办理。Insuranceistobecoveredbythebuyers.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. coverageistoonarrowforashipmentofthisnature.PleaseextendthecoveragetoincludeTPND.除了水渍险和战争险外，你们还保其它险吗？ Language Points4)Doyoucoverrisksotherth
22、anW.P.A.andWarRisk?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。ForFOBandC&Fsales,insuranceistobecoveredbybuyers.4.accordingly adv. 相应地；按照相应地；按照办理办理 1)Assoonaswereceivetheaboveconsignmentweshallbeinapositiontoassessourrequirementswithgreateraccuracyandplaceanorderaccordingly.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.debi
23、t note 借方通知；索款通知单借方通知；索款通知单 debitanamounttoonesaccount把一笔金额记入某人帐户的借方debitonesaccountwithanamount把一笔金额记入某人帐户的借方1)HisaccountwiththeBankofChinahadbeendebitedwiththesumof$5forhalf-yearlybankcharges. 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。 Analyzing the letterParagraphOne:identifyingthereferenceParagraphTwo:in
24、formingthebuyerthattheyhaveeffectedinsuranceforbuyersaccountParagraphThree:theclosingsentenceoftheletterComments:ThecustomeriscausingadelaybynotissuingtherequisiteL/C.Thisletterispolitebutconveysthecorrectnoteofurgency.TherecanbenoprogressuntiltheL/Cisdelivered. Chinese version of the letter执事先生：事由：
25、你方第事由：你方第1023号订单订购的号订单订购的500箱玩具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， Writing Steps1.identifythereferenceandthegoods2.informingtherecipientthattheyhaveeffectedinsuranceforhisacco
26、unt3.asktherecipienttopaythepremium Specimen Letter 3DearSirRe：InsuranceWethankyouforyourletterofFebruary24regardinginsurance,andtherelativedetailsasfollows:AllRisks：GenerallywecoverinsuranceWPAandWarRiskintheabsenceofdefiniteinstructionsfromourclients.IfyouwanttocoverAllRisks,wecanprovidesuchcovera
27、geataslightlyhigherpremium.Breakage：Breakageisaspecialrisk，forwhichanextrapremiumwillhavetobecharged.Thepresentrateisabout0.7%.Claimsarepayableonlyforthatpartoftheloss,thatisover5%.Valuetobeinsured：Wenotethatyouwishustoinsureshipmentstoyoufor10%aboveinvoicevalue,whichishavingourdueattention.Wetrustt
28、heaboveinformationwillbehelpfulandawaityourfurthernews.Yourstruly,1.up to the inland city 到内陆城市到内陆城市 1)只有在你方同意将此货装在小箱内的条件下，我们才能接受你方的报盘。 Language Points2.on condition that 只有在这样条件下只有在这样条件下 2)Wehavepersuadedourmanufacturertoacceptthisorderforanearliershipmentasrequestedbyyou,onconditionthatthecovering
29、L/CshouldarriveherebytheendofJune.Weacceptyourofferonconditionthatyouagreetopackthegoodsinsmallcases.我们已说服我制造厂家接受你方要求早期交货的请求，条件是有关的信用证应在六月底前开到。3.extra premium 额外保费额外保费 Language Points4.in the absence of ph. 在没有在没有（的情况下）；在缺乏（的情况下）；在缺乏（的情况下）（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。5.definite instructions
30、明确指示明确指示 WeusuallycoverinsuranceW.P.A andagainstWarRisksintheabsenceofthebuyersdetailedrequirements.6.at a slightly higher premium 较高的保险费率较高的保险费率7.invoice value 发票金额发票金额 for110%ofinvoicevalue按发票金额的110%for10%aboveinvoicevalue在发票价值上加10%atinvoicevalueplus10%按发票价值另加10%premiumrate保险费率rateofcommission佣金率1
31、)请按发票金额百分之一百一十投保。 Language Points8.grant v. 同意；准予同意；准予 1)Therequestwasgrantedinaccordancewithinternationallaw.根据国际法他们答应了这项要求。2)他们拒绝给予我们长期信贷。Theyrefusedtograntuslong-termcredit.3)考虑到这种商品的初次交易，我方可给百分之五的佣金。grantonesrequest同意某人的请求We will grant you a 5% commission with a view to initiatingbusinessinthisl
32、ine.Analyzing the LetterParagraphOne:identifyingthereferenceandthegoodsParagraphTwo:decliningbuyersrequestandexplainingthereasonsParagraphThree:statingotherinsuranceitemsParagraphFour:statingsomethingaboutthevalueinsuredParagraphFive:theclosingsentenceoftheletterComments:ThisChinese version of the l
33、etter执事先生：事由：保险事由：保险兹答复你方二月二十四日关于保险事宜的来函。我方愿意告知你方下列事宜：你客户要求投保到内陆城市的请求可以接受，但条件是由此而导致的额外保险费由买方自行负担。在客户没有明确指示的情况下，我们一般投保水渍险和战争险。倘若你方想投保战争险，我们可以提供这种险别，但保险费率能稍高一些。由于破碎险是一种特殊险别，必须收取额外保费。现行费率为0.7%。索赔赔偿只赔偿超过5%的那部分。关于保险价值，我们不能同意你方按发票金额150%投保的要求，因为合同规定保险是按按发票金额110%投保。相信上述信息对你方会有帮助并等待你方进一步的消息。谨呈， Writing Steps
34、1.identifythereferenceandthegoods Practice LessonsI.Complete the sentences with the appropriate words given below： 1.PleaseagainstAllRisks.2.ThisinsurancepolicyusagainstTPND.3.WewillWPAinsurance.cover，covered，covers，covering，coverage，insure，insurance，effected4.Thedocumentswillbesenttoyouunderseparat
35、e.5.WehavetopointoutthatourletterofMarch11hasfullythismatter.6.WesendyouherewithacopyofB/Lshipmentof50metrictonsWalnuts.insurecoverscovercovercoveredcoveringPractice Lessons7.We have pleasure in advising shipment of your Order No.2354 50 _metrictonsofSmallRedBeans.8.Insuranceonthegoodsshallbebyusfor
36、110%oftheCIFvalue.9.Weshallprovidesuchatyourcost.10.InsuranceistobebythebuyersunderFOBterms.11.Wehavearrangedthenecessarycover.12.Regardinginsurance,theisfor110%ofinvoicevalueuptotheportofdestination.cover，covered，covers，covering，coverage，insure，insurance，effectedcoveringcovered/effectedcoverage/ins
37、uranceeffected/coveredinsurancecoveragePractice LessonsII.Fill in the blanks with the appropriate words： 1.Weregretourinabilitytowiththebuyersrequestforcoveringinsurancefor150%oftheinvoicevalue,becauseourcontractstipulatedthatthegoodsshouldbecoveredfor110%ofinvoicevalue.2.Sincethepremiumvarieswithth
38、eextentof,extrapremium is for buyers account, should additional risks be .3.Shoulddamageoccur,youmayputinaclaimwithin30daysafterthearrivaloftheconsignment.4.Regardinginsurance,thecoverageis110%ofinvoicevalueuptotheportofdestinationonly.5.BuyersrequestforinsurancetobecovereduptotheIslandcitycanbeacce
39、ptedonconditionthatsuchextrapremiumisforaccount.6.WeregretbeingunabletoagreetothebuyersrequestasstatedintheL/C stipulations for insurance to be covered up to the inland citybecauseourpriceisonCIFDplycoveragecoveredanyforBuyersbasedPractice LessonsIII.Translate the following sentences into English: 1
40、.根据你方要求，我们将按发票金额的110%投保。Weshallcoverinsurancefor110%oftheinvoicevalueinaccordancewithyourrequest.2.请给合同投保平安险和战争险。PleaseinsureFPAandagainstWarRiskonthecontract.3.我们将按一般惯例投保水渍险和战争险。WeshallcoverWPAandagainstWarRiskaccordingtotheusualpractice.4.这份保单给我们保了破碎险。TheinsurancepolicycoversusagainstBreakage.5.由于
41、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。Asthecontractstipulatesthatinsuranceshouldcover110%oftheinvoicevalue,ifyoudesiretocoverinsurancefor130%instead,theextrapremiumshouldbeforyouraccount. Practice LessonsIV.Translate the following into Chinese: Insurance PolicyPolicyNo.118765This is to certify th
42、at this Company has insured on behalf of ChinaNationalLightIndustrialProductsImport&ExportCorp,ShanghaiBranch.ThesumofUSdollarsOneHundredThousandonly.UponFiveThousandsets“Butterfly”SewingMachines.At&fromShanghaitoNewYork.Shiporvessel:S/S“Peace”.SailingonoraboutMay20,1996.CoveringAllRisks.In the even
43、t of damage, to be surveyed by Johnson Survey Co. andclaimspayableatShanghai.ThispolicyisissuedinduplicateatShanghaionthe7thdayofMayintheyearonethousandninehundredninetysix.ThePeoplesInsuranceCompanyofChinaShanghaiBranch(Manager)Practice Lessons保保 险险 单单保险单号码：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：5，000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Practice Lessons
