On insurance

1、Insurance 海運保險投保 運輸中的每一批貨物都有可能碰到各種各 樣的風(fēng)險。概括說來，可投保的風(fēng)險基本 上可劃分為兩大類，即“海上風(fēng)險”和 “外來風(fēng)險”。 海上風(fēng)險不僅包括自然災(zāi)害，如風(fēng)暴、洪 災(zāi)、地震、雷擊等，而且還包括意外事故， 如火災(zāi)、碰撞、爆炸、輪船擱淺和沉沒等。 外來風(fēng)險通常由外部因素引起，可分為一 般外來風(fēng)險和特殊外來風(fēng)險兩種。一般外 來風(fēng)險包括有偷竊、扒竊、泄露、短量、 生銹、污染等風(fēng)險；而特殊外來風(fēng)險則指 戰(zhàn)爭、罷工、進(jìn)口關(guān)稅、拒收、交貨不到 等風(fēng)險。 _(保險險別）is the extent of protection given to the insured by t

2、erms of the contract of insurance. _(預(yù)付) is money paid as a loan or as a part of payment to be made later. _(保險公司、承保人) is the company that issues a policy in exchange for a stated commission, and assumes the risk of loss. _(被保險人) is the individual who holds a policy of insurance. The policyholder is

3、 distinguished from the policy owner, who might not be the same person. _ (保險單)is a contract of insurance, an agreement between the insurer and the insured. In return for protection against specified risks, the insured agrees to pay a premium for the term of insurance. _(保險費) is the amount an insure

4、d pays in exchange for the protection provided by a policy. _(海運保險) is the protection against damage, theft and other losses to goods while goods are transported over waters. _(保險商) is a firm or person hat practices insurances, especially of ships. _(預(yù)約保單) is a convenient method for insuring the goo

5、ds where a number of consignments of similar export goods are intended to be covered. _(保險憑證) is a kind of simplified insurance policy. It only indicates the name of the insured, name of the insured cargo, quantity, mark, conveyance, place of shipment, place of destination, insurance cover, and insu

6、rance amount. But the rights and obligations of the two parties are omitted. The main disadvantage(s) of international trade is/are that _ The advantage of having cargo insurance is that _ The money which is charged by the insurance company is called_ The insurance company is responsible for _ The m

7、oney paid to the insurance company is determined by _ 1) If you want us to insure against a special risk, an extra premium will have to be charged. 2) To protect the goods against possible losses before shipment, the buyer or the seller usually applies to an insurance company for insurance covering

8、the goods to be transported. 3) Generally speaking, we insure WPA on CIF sales. An insurance policy is a document setting out the exact terms and conditions of an insurance transaction. All kinds of insurance are provided by the Peoples Insurance Company of China. We usually cover 10% above the invo

9、ice value. 7) This insurance policy covers us against All Risks. 8) WPA plus Risk of Breakage suits your consignment. Your insurance only protects you from the damages that happen in transit. 10) The insurance doesnt cover loss or damage caused by the intentional act or fault of the insured. Insuran

10、ce rate Delicate Voyage Partial Clause Quotation Urgent Theft Marine Particular average Affixation insurance Insurance for all risks War Risk Insurance Total loss Partial loss Free from particular average Compensation Insurance premium rate Accident insurance Insurance policy Coverage Beneficiary Se

11、ttlement Valid Insured Insurer Could you tell me if particular average insurance includes compensation of goods damage? The compensation of damaged goods is covered in the insurance of risk of breakage. If you claim, the affixation insurance will be added. Are buyers responsible for the changes of a

12、ffixation insurance? Yes. This is the standard practice. What about insurance for all risks? Insurance for all risks will cover the compensation of damaged goods, but the premium is relatively higher. How long is the validity term of insurance responsibility? It is up to 60 days until the goods are

13、unloaded from ships. What do your insurance clauses cover? There are three basic covers, namely, Free from Particular Average, With Particular Average and All Risks. Do you cover risks other than WPA, for instance, TPND, Weight and Fresh and Rain Damage? Yes. If the buyers want to have the goods ins

14、ured against these risks, we shall arrange for them. That is what Im going to discuss with you. What kind of risk do you usually insure against as to this class of merchandise? Generally speaking, it depends on you. What about WPA? Although the WPA covers Particular Average in addition to FPA, still

15、, its cover does not offer adequate protection for this kind of merchandise. I still have a few points which I dont quite understand. Will you be so kind as to explain them to me? With pleasure. What are they? What should be done if there are total losses that are due to a natural calamity outside t

16、hose calamities specified in the Clause? Well, sometimes this kind of loss might take place. Yes, we say, claims may be dealt with according to the local practice. May I ask you a few questions about insurance? Yes. Now weve given a _ for some steel plates. What _ do you suggest we should get? Well,

17、 obviously you dont want _. Why not? Because they arent _ and wont likely be damaged on the voyage. _ will be good enough. Then am I right in understanding that FPA does not cover _ for the nature of _? Thats right. On the other hand, a _ policy covers you against partial loss in all cases. Are ther

18、e any other clauses in _? Oh, lots of them! For instance, _, TPND and SRCC. Well, thank you very much for all the information. Could you give me a quotation for my consignment now? Are you going to _ today? Yes, my customer is in urgent need of the steel plates. Ok. Ill get the rate right away. Than

19、k you. What do we need to pay particular attention to in _? Firstly, you must make sure the insurance document indicates the cover is effective from the date of loading of goods on board or from the date of taking charge of the goods by the carrier as indicated in the transport documents. Secondly?

20、The information in the insurance document concerning _ and _ must be consistent with the documentary credit. Ok. What else do we need to ensure? The insurance document must specify coverage for at least 110% of either the CIF or CIP value of the shipment, or the amount of the payment, acceptance or

21、negotiation specified in the documentary credit, or the gross amount of invoice. What about the _? You must make sure that the currency of the insurance document must be consistent with the credit. Namely, they should be the same currency so as to eliminate _. Finally, should the insurance document be endorsed? Of co