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1、ENGLISH FOR BUSINESS COMMUNICATION 外贸英语函电安徽财贸职业学院 旅游管理系谢峰Chapter 10 InsuranceChapter 10 InsuranceLearning ObjectivesTo know the definition of insurance.To grasp the steps of writing a letter about insurance.To master the vocabulary and useful sentences of insurance.Introduction-Insurance Insurance i
2、s a rather complicated subject.The purpose of insurance is to provide protection for those who suffer from loss or damage.In other words,it is a contract of indemnity,a contract to restore to someone,either the full amount of the loss or a specified percentage of the amount of the loss.Introduction-
3、InsuranceClassification of insurance(1)Risks at sea:a.Perils of seab.Extraneous risks(2)Ocean marine cargo insurance coverage:Basic insurance coverage:a.Free from Particular Average,FPAb.With Particular Average,WPAc.All Risks,ARIntroduction-InsuranceExtraneous coverage:a.General Additional Risks:e.g
4、.TPND,Rain Damage,Risk of Shortage,Breakage of Packing,Risk of Rust,b.Special Additional Risks:e.g.War Risk,Strikes Risk,Failure to Delivery,Rejection Risk,Introduction-InsuranceDevelopment of insurance in history:(1)There are a great many insurance companies in the world.Lloyds is a famous organiza
5、tion incorporated in London in 1871.(2)The Peoples Insurance Company of China(PICC),established in 1949,is the sole state-owned insurance organization in China.(3)The PICC has its own insurance clauses:China Insurance Clauses(CIC),include Ocean Marine Cargo Clauses dated 1 August,1981,which is diffe
6、rent from the Institute Cargo Clauses(ICC).Introduction-Insurance Types:Asking the exporter to cover insurance for the importerType of coverage adoptedReplying to the letter requesting excessive or canceling insuranceLetter for InsuranceLetter 1 Taking out an open policyLetter for Insurance1.open po
7、licy预约保单预约保单，船名未确定保单，船名未确定保单take out/effect an open policy with 与洽办预约保单 2.the Lloyd Insurance Company 劳埃德保险公司劳埃德保险公司:十六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，拥有21000多个保险商。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。Letter for Insurance3.the particulars 细节；详细情况细节；详细情况 the p
8、articulars of the full details of 的全部细节；的详细情况 4.underwriters n.保险人；保险商保险人；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 被保险人；投保人 assured 被保险人；投保人applicant 投保申请人 Letter for Insurance5.handsome adj.相当大的；可观的相当大的；可观的 e.g.a handsome sum of=a large amount of 一笔可观的
9、金额 6.premium n.保险费保险费 premium rebate 保险费回扣premium tariff 保险费率表extra premium 额外保险费e.g.The premium is calculated according to the premium rate or rates for risks to be covered.Letter for InsuranceLetter 2 Effecting insurance for the buyerLetter for Insurance1.insurance n.保险保险 insurance clause 保险条款insu
10、rance amount 保险额insurance claim 保险索赔insurance coverage 保险范围insurance policy 保险单,俗称大保单，正 规保单insurance premium 保险费 insurance certificate 保险凭证,俗称小保单insurance agent 保险代理人insurance broker 保险经纪人Letter for Insuranceq投保；办理保险的表达法投保；办理保险的表达法:to arrange insurance on the goods against risk for 110%of invoice va
11、lue 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/cover/provide/take out insurance Cf.insure v.保险保险to insure the goods against a risk to insure a risk to insure against a risk Letter for Insuranceq Relative Expressionsthe insured 被保险人insured amount 保额insured cargo 投保货物insured goods 投保货物e.g.Please i
12、nsure against all risk.Please insure FPA.We have insured the goods WPA.We shall cover TPND on your order.Letter for Insurance2.for ones account 由由支付支付to be borne byto be responsiblee.g.The extra freight is to be for buyers account.We bought the goods for the account of our branch office.As a rule,th
13、e extra premium involved will be for buyers account.Letter for Insurance3.cover v./n.保险保险 coverage n.承保范围；险别总称insurance coverage 保险范围to cover insurance 办理保险 to hold sth covered 办理保险 degree of cover 保险范围 extent of cover 保险范围e.g.Insurance is to be covered by the buyers.We have arranged the necessary i
14、nsurance cover.Our insurance coverage is for 110%of invoice value up to the port of destination only.Letter for Insurance4.debit note 借方通知；索款通知单借方通知；索款通知单 debit an amount to ones account=debit ones account with an amount把一笔金额记入某人帐户的借方e.g.His account with the Bank of China had been debited with the s
15、um of$5 for half-yearly bank charges.Letter for InsuranceLetter 3 Asking the recipient to cancel breakage riskLetter for Insurance1.detete v.删除；删去（后接删除；删去（后接from）e.g.Please delete the word“insurance certificate or policy”from the L/C.2.franchise 特许权；免赔率（在保险单内规特许权；免赔率（在保险单内规定一个金额或百分比，凡保险责任范围内的定一个金额或百
16、分比，凡保险责任范围内的损失超过规定数额时，保险公司赔偿全部损损失超过规定数额时，保险公司赔偿全部损失。如果所受损失在规定范围内时，则不赔失。如果所受损失在规定范围内时，则不赔偿。）偿。）e.g.to grant a franchise to A franchise of 3%.Letter for InsuranceLetter 4 Insurance company writes to the insuredLetter for Insurancerate=insurance rate=premium rate 保险费率保险费率Cf.at the rate of 15%保险费率为保险费率为
17、15%Letter for InsuranceLetter 5 Asking to cover insuranceLetter for InsuranceLetter 6 Arranging insuranceLetter for Insuranceherewith adv.=with this,“在此，随函”是商函、合同、法律文件等公函中使用的正式用语.这类正式用语还有由“there-”，“where-”构成的.e.g.herein=in this于此文 therein=in that 在其中 thereof=of that就此而言 thereafter=after that此后 where
18、as=as which有鉴于 whereby=by which由此;靠那个Intake 1.We shall cover insurance for 110%of the invoice value in accordance with your request.2.Please insure FPA ans against War Risk on the contract.3.We shall cover WPA and War Risk according to the usual practice.Input 4.The insurance policy covers us agains
19、t Breakage.5.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.Exercises1.We thank you for your letter of March 25,requesting us to effect insurance on the captioned goods for
20、your _.A.cost B.amount C.account D.expense2.We shall take _ insurance at this under our Open Policy.A.in B.out C.on D.at3.Please effect insurance _ your side covering All Risks and War Risk?A.to B.for C.on D.withExercises4.Id like to have the insurance _ for 130%of the invoice value.A.cover B.covere
21、d C.covering D.to cover5.PICC stands _ the Peoples Insurance Company of _.A.for,Clause B.like,China C.by,Cargo D.for,China6.Insurance is to be _ by the buyer if a transaction is concluded on FOB or CFR basis.A.covered B.done C.made D.taken ExercisesDear Sirs,Your Order No.123-5,000 pcs.Gunny BagsWe
22、have received your letter of January 1,asking us to insure the _ goods for an amount of 30%above the invoice value.Although it is our usual practice to _ out insurance for the invoice value plus 10%,we are prepared to _ with your request for getting cover for 130%of the invoice value.But the extra _ will be for your _.Please take note of the above.Yours faithfully,