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1、Unit 12Unit 12 InsuranceInsurance保险保险大连理工大学电子音像出版社世纪商务英语 外贸函电Basic Knowledge ConcernedLetter-writing GuideOther Commonly Used Expressions and Sentences Sample Letters Practical TrainingContentsContentsPart OnePart One Insurance is an essential procedure in international trade.The insured can obtain
2、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 unexpected and var
3、ied.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 InsurancePart OnePart One Usually,there are three kinds of basic risks package.They are FPA(Free from Particular Average),WA/W
4、PA(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 be insured against alone.Th
5、e 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,Pilferage and Non-Delivery(TPND);(2)
6、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.Other than the above risks there are another eight
7、kinds of Special Additional Risk,against one or several of which the insured can insure the cargo.2.The Coverage of InsurancePart OnePart One If the damage or losses of the consignment,which has been insured,occur during the period of transportation and discharge the insured will certainly lodge a c
8、laim 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/C),after shipping the goods the exporter will go to the negotiating bank requesting th
9、e 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.3.The Role of the Insurance PolicyPart TwoPart TwoSteps/ContentsTypical ExpressionsFor letters from the importer r
10、equesting the exporter to insure the goods1.Referring to which shipment of goods is to be insured against.We would like to refer you to the under order No.(本函所提及的是号订单项下的货物。)With regard to the consignment under the L/C No.(关于号信用证所涉及的货物，)Referring to the cargo under S/C No.(至于号销售确认书上的货)2.Stating the r
11、isks coverage to insure against and the amount of the insured value.Please have the goods insured against for%of the invoice value.(请按发票金额的%为货物投保险。)Would you like to insure,on behalf of us,the consignment against at the invoice value plus%?(贵方能否代我们以发票金额加成%作为保险金额来为这批货投保险？)Part TwoPart TwoSteps/Conten
12、tsTypical ExpressionsPlease see to it that the insured value for this shipment is 130%of invoice value,amounting to (请注意这批货物的投保金额是发票价值的130%，即为)3.Clarifying the payment of the premium.Upon the receipt of your debit note we will remit you the amount of the premium.(一收到贵方寄来的借记账单，我们就会将保险费款给你们汇去。)The ext
13、ra premium for the additional coverage beyond the normal insured amount of 110%of invoice value will be for our account.(正常投保金额是发票数额的110%，若投保金额高于此，高出部分应缴的保险费由本方支付。)After finishing the insurance procedure you can draw on us a sight draft for our refunding you the premium fee.(待贵方完成投保手续后可向我方开出即期汇票，以便我
14、们把保险费款还给你们。)Part TwoPart TwoSteps/ContentsTypical Expressions4.Expressing your expectation.We hope that the goods can be insured as per the above request.(希望按以上要求给货物投保。)Please inform us whether you agree with the said arrangements of insurance.(贵方是否同意这样的保险安排，请告知我们。)For letters(from the exporter)in r
15、eply 1.Confirming the receipt of the importers request.We have received your letter requesting us to handle insurance on the consignment of against at/for%of invoice value.(我们已收到你方来函，该函中要求我方以发票价值%的保险金额为货投保险。)Your letter of asking us to insure the shipment of on your behalf has been noted.(你们时候的来函收悉，
16、得知贵方希望本方代你们为.的运输投保。)Part TwoPart TwoSteps/ContentsTypical Expressions2.Informing the importer of what has been done.We take pleasure in informing you that we have covered the insurance of the consignment of against for the amount of (我们高兴地通知贵方，我方业已为货投保了保险金额为的险。)We have obtained the insurance policy
17、on the shipment under the L/C No.evidencing the coverage of the goods against at full invoice value plus%(对于号信用证项下货物我方已取得了保险单，单上证明货物已按发票金额加成%的额度投保。)3.Clarifying the payment of the premium charge.As per your confirmation we will send you the insurance policy together with a debit note for the premium
18、 fee.(按照贵方已确认的那样，我们会把保险单以及保险费款的借记账单一并寄给你们。)Part TwoPart TwoSteps/ContentsTypical ExpressionsSince the insured amount required by you is 150%of invoice value，we shall,based on our agreement,draw on you at sight for the extra premium on top of 110%of the invoice value.(贵方要求投保发票金额的150%，根据我们双方已达成的协议，我方会
19、向你们开出即期汇票，以便你们返还发票价值110%以上部分保险金额的保险费款。)Part ThreePart ThreeExpressions (1)1.insurance company the insurer underwriter 保险公司；承保人，保险人2.the insured 被保险人，受益人3.insurance agent 保险经纪4.insurance policy；保险单 insurance certificate 保险凭证，简式保单，小保单 open policy 预约保单，总保单5.insurance value/amount 保险金额6.insurance premiu
20、m 保险费 premium rate 保险费率7.insurance coverage 保险范围(指险别或金额范围)8.Free from Particular Average(FPA)平安险9.With Particular Average(WPA/WA)水渍险10.All Risks(AR)一切险11.General Additional Risk 一般附加险Part ThreePart ThreeExpressions (2)12.Special Additional Risk 特殊附加险13.War Risk 战争险14.Fresh Water&/or Rain Damage(FWRD
21、)淡水雨淋险15.intermixture&contamination 混杂玷污险16.TPND 偷窃及提货不着险17.Risk of Clash&Breakage 碰撞破碎险18.with a franchise of%有一个%的免赔率19.(cover/effect/arrange/take out/attend to/provide/handle)insurance投保，办保险 insure(goods)against(risk)for(value)按金额为商品投保险 cover(goods)against (risk)为货物投保险 20.insure with(insurance co
22、mpany)向保险公司投保货物21.debit note 借记账单22.for ones account 由支付23.the Peoples Insurance Company of China(PICC)中国人民保险公司Part ThreePart ThreeTypical Sentences (1)1.Asking for relevant information about insurance (询问有关保险问题的信息询问有关保险问题的信息)(1)Im writing to ask whether your insurance company allows the foodstuffs
23、to be insured against the risk of deterioration.(2)We want to know your lowest rates FPA.(3)Please kindly quote us your rate for the insurance coverage.2.Offering relevant information about insurance (提供有关保险问题的信息提供有关保险问题的信息)(1)Many export-oriented Chinese manufacturers choose to insure their consign
24、ment(2)with the PICC.(3)(2)Unless wise regulated in the L/C,the negotiation bank will permit the beneficiary/exporter to deliver either of Insurance Policy,Insurance Certificate and Open Policy for negotiation.Part ThreePart ThreeTypical Sentences (2)(3)To cover a special additional risk only costs
25、a slightly higher premium.(4)FPA covers all total losses incurred by natural calamities and/or accidents,and partial losses by natural calamities.(5)Insurance provides a pool or fund into which many contribute their money and from which the few suffering losses are compensated.(6)The policy holder m
26、ust submit the claim within 30 days after the losses of the insured cargo are found.insurance company insures this risk with a 5%franchise.(7)The absence of specific instructions from our clients we usually cover insurance against WPA and War Risk.(8)We generally insure our export shipment for 130%o
27、f its invoice value with the PICC against all risks.(9)The shipment has been insured as per warehouse-to-warehouse clause and subject to the Ocean Marine Cargo Clauses.Part ThreePart ThreeTypical Sentences (3)(10)This is to acknowledge the receipt of your letter informing the opening of the L/C and
28、requesting us to cover insurance for the captioned goods for you.We would like to take out insurance on your behalf.(11)Before completing the shipment we will insure the consignment with the local branch of the PICC as per the risks coverage and insured value you mentioned.(12)We regret our inabilit
29、y to comply with the buyers request for covering insurance for 150%of the invoice value,because our contract stipulated that insurance should be covered for 110%of invoice value.3.Stating the request or suggestion for insuring the goods (说明投保的要求和建议说明投保的要求和建议)(1)We will insure the goods against WPA a
30、nd TPND for the invoice value plus 10%.(2)Considering the port of destination is not far from the war zone we suggest you to cover the insurance for the 800 MT Chinese rice against All Risks and War Risk.Part ThreePart ThreeTypical Sentences (4)(3)When we cover insurance for goods made of glass it i
31、s necessary that Risk of Clash&Breakage is included.(4)These leather shoes need to be insured against the Fresh Water&/or Rain Damage(FWRD)and the risk of Intermixture&Contamination in addition to WPA.(5)For the sake of convenience,we wonder whether you could have the goods insured,on behalf of us,a
32、gainst All Risks，Breakage and War Risk for 110%of the invoice value at your end.(6)We wish to insure the following consignment against all risks,Breakage、and War Risk for the sum of US$10,000.4.Clarifying the responsibility and premium of the insurance (明晰保险责任和费用的问题明晰保险责任和费用的问题)(1)As the exporter,we
33、 follow the prevalent practice that our CIF price covers the insurance against WPA and any extra premium of additional risks should be for the importers account.Part ThreePart ThreeTypical Sentences (5)(2)It has become the common sense that the insurance of goods traded on the basis of CFR or FOB te
34、rms is supposed to be arranged by the buyer.(3)The premium of the cargo is at the rate of 1.5%of the goods value you declare to insure.The extra premium will be for our account.(4)The price that has been stipulated in both of the S/C and L/C is based on CFR term and hence insurance lies within our r
35、esponsibilities.(5)We will send you the insurance policy together with a debit note for the premium fee.(6)The premium for this cover is at the rate of 2.3%of the declared value of USD 10,000.(7)According to the prevailing practice,the extra premium of the additional insured value and insured covera
36、ge should be for the buyers account.Part FourPart Four Sample 1 (1)Buyers Insurance RequestUnited Textiles Ltd.York House,Lawton Street,Liverpool,ML3 2LLEnglandTel:0044-20-654321 Fax:0044-20-765432 E-mail: September 16,2010 Guangdong Textiles Import and Export Corporation779 East Dongfeng Road,Guang
37、zhouChinaDear Mr.Wu,Re.Order No.426Part FourPart Four Sample 1 (2)With regard to our order of 1,000 leather jackets we have issued an irrevocable L/C at sight which takes your company as the beneficiary1.You will be advised by Guangzhou Branch of the Bank of China very soon.So you can prepare for pr
38、oduction and shipment without any concern2.There is another issue we want to request here.As we know,the price that has been stipulated in both of the S/C and L/C is based on CFR term and hence insurance lies within our responsibilities 3.For the sake of convenience we wonder whether you could have
39、the goods insured,on behalf of us4，against WPA and TPND5 for 110%of invoice value in your end.The premium charge is,of course,for our account.Hope this request will meet with your approval.Yours faithfully,David LawDavid LawPart FourPart FourGuangdong Textiles Import and Export Corporation779 East D
40、ongfeng Road,GuangzhouChinaTel:020-23456789 Fax:020-34567890 E-mail： September 19,2010 United Textiles Ltd.York House,Lawton Street,Liverpool,ML3 2LLEnglandDear Mr.David Law,Re.Order No.426Reply to Sample 1Sample 2(1)Part FourPart FourThis is to acknowledge the receipt of your letter informing the o
41、pening of the L/C and requesting us to cover insurance for the captioned goods on your behalf.We are willing to accept your request.Before completing the shipment we will insure the consignment with the local branch of the PICC as per the insurance coverage and insured value you mentioned.Then we wi
42、ll send you the insurance policy together with a debit note for the premium1.We hope we could serve your company to your satisfaction.Yours faithfully,Wu JindongWu JindongSample 2 (2)Part FourPart FourGuangzhou International Trade Corporation 15 Zhongshan Road,Guangzhou,China Tel.:020-8966067 Fax:02
43、0-8966068E-mail:July 22,2010 The Peoples Insurance(Property)Company of China,LtGuangzhou,ChinaDear Sirs,We are a Guangzhou-based1 import&export company and going to ship 10 containers of household electrical appliances2 to Rome next week.We want to insure the goods with you,who we know has a prestig
44、ious3 position in the insurance industry,if the rate is within our expectation.Sample 3(1)The Insured Asking for Information about InsurancePart FourPart FourWould you please quote us your most favorable premium rate of the said goods for the insured value of US$150,000 against All Risks plus War Ri
45、sk?The insurance coverage is from our warehouse to the port of Rome.We are awaiting your information.Yours faithfully,Yours faithfullyKenneth BeareKenneth BeareManager of International Trade CorporationSample 3 (2)Part FourPart FourThe Peoples Insurance(Property)Company of China,LtGuangzhou,ChinaTel
46、.:020-6706689 Fax:020-6889660E-mail:PICCJuly 23,2010 Guangzhou International Trade Corporation 15 Zhongshan Road,Guangzhou,China Dear Mr.Beare,Sample 4 (1)Reply to the Letter of Sample3Part FourPart FourWe acknowledge the receipt of your letter inquiring about the rate of your household appliances e
47、xported to Rome.The premium for the above-mentioned goods is at the rate of 0.8%of the insured value declared against All Risks plus 0.4%against War Risk.1 You will find it most favorable among the market-leading2 insurers.If the rate is acceptable to you,please let us know at your earliest convenie
48、nce so that we could prepare and send the policy to you in due course.Yours faithfully,Du WentianDu WentianSample 4 (2)Part FivePart Five1.Put the following English into Chinese.(1)Beginning Training保险人/保险公司(1)the insurer(2)the premium 保险费(3)insurance policy 保险单(4)to insure against for of the invoic
49、e value 就货物以保险金额投保险(5)favorable rate 优惠的保险费率Part FivePart Five1.Put the following English into Chinese.(2)(6)With Particular Average(WA/WPA)(7)the Peoples Insurance Company of China(PICC)(8)heft,Pilferage and Non-Delivery(TPND)(9)Please insure the following goods against all risks plus war risk.(10)
50、The additional premium is for the buyers account.水渍费中国人民保险公司偷窃及提货不着险请为以下的货物投保一切险加战争险。额外的保费由买方出。Part FivePart Five1.Put the following English into Chinese.(3)(11)We have enclosed the insurance policy so that you can lodge a claim with the insurers branch office at the destination port in due course s