保險(xiǎn)insurance

1、Lesson 16 Insurance 保險(xiǎn)保險(xiǎn)TEXTArm yourselfMain pointsMake yourself skilledTEXTArm yourselfMain pointsMake yourself skilledvA. the party seeking cover completes a proposal form.vB. the insurance company assesses the risk and fixes a premium to be paid.vC. the premium is paid and cover starts.vD. if a l

2、oss is suffered, the insured makes a claim for compensation.vE. the claim is investigated, and if found to be valid the compensation is paid. vDear Miss LiaovThank you very much for your letter of 16 July in which you inquired about our insurance cover.vI have enclosed leaflets explaining our three

3、fully-comprehensive marine policies which offer the sort of cover you require, and I think that policy 1281 would probably suit you best as it offers the widest protection with full indemnification.vIf you wish, I could get one of our agents to call on you to discuss any details that might not be cl

4、ear.vI look forward to hearing from you soon. vWe would like to inform you that a number of pieces of crockery were damaged on our shipment to Dolly Enterprises Ltd., Singapore. The consignment was shipped clean on the SS Changfeng which left Shanghai for Singapore on16 November, and you have our de

5、claration form No. GCR 110 33429. vWe have already sent our customer replacements but would like a claims form to complete. Thank you. vYours sincerely,GLOBAL INSURANCE LTD.v I am sending the claims form you requested in your fax of 23 November 200- and we will consider the matter once we have full

6、details. v I think I ought to point out that this is the fourth time you have claimed on a shipment. Though I appreciate that your products are fragile, and that in each case the goods have been shipped clean, it would in your interest to consider new methods of packing. I agree that the claims have

7、 been comparatively small, but in future you will have to ask your customers to hold consignments for our inspection to determine the cause of damage. I should also mention that further claims may affect your premium when the policy is renewed. vDear Mr. AivYour fax of August 9 has been received wit

8、h many thanks.vThe quotation you faxed us is on CIF basis. As we are in a open cover agreement with our underwriter, we prefer that you send us CFR quotations. vHowever, we will also be interested to know what benefits we are likely to get if consignments are to be covered at your end.vWe are lookin

9、g forward to your early reply. v Dear Mr. Yi 10.v Thank you for your fax of August.v Attached is our CFR quotation for Hand Tools and we are sure you will find our prices workable.v We usually insure the goods sold on CIF basis with our undertaker, the Peoples Insurance Company of China (PICC) for 1

10、10% of the total invoice value against All Risks and War Risks as per the Ocean Marine Cargo Clauses of the PICC of January 1, 1981. if a higher percentage or broader coverage is required, the extra premium will be for buyers account.v As to insurance with the Peoples Insurance Company of China, we

11、wish to inform you that the PICC is a state-owned company of China with agents in practically all the major cities and seaports in the world. It is noted for settling claims promptly and equitably and is therefore one of the worlds prestigious leading insurers. So far as we know, the rates they quot

12、e are among the most competitive in the line. For the details, please refer to the copy of its prospectus we are sending you by courier. If you have further questions, please let us know. Dear Miss Liao, Re: 150 pieces Tea sets With reference to the order No. 894 for 150 pieces Tea sets. we have ope

13、ned through the Bank of China, New York, confirmed, irrevocable L/C for US$2900, valid till July 20. It is your usual practice to insure the goods against FPA for only 10% above invoice value. But owing to the special feature of our goods, wed like to have the fragile goods insured against FPA and B

14、reakage for 150% of the invoice value for this transaction. The extra premium will be for our account. We shall be grateful if you will arrange insurance as requested and let us have your information as soon as the goods are delivered. Yours sincerely,2. Arm yourself 1. insurance n. the act, busines

15、s or system of insuring 保險(xiǎn) arrange, effect, provide, take out, cover, attend to insurance 投保，辦理保險(xiǎn) the insurer 保險(xiǎn)人 the insured 被保險(xiǎn)人 underwriter 保險(xiǎn)商 保險(xiǎn)公司 insurance agents 保險(xiǎn)代理人 insurance amount 保險(xiǎn)金額 insurance broker 保險(xiǎn)經(jīng)紀(jì)人 insurance coverage 保險(xiǎn)范圍 v. insure 給以保險(xiǎn),投保 (后接貨物或險(xiǎn)別) insure on/against 等介詞 常用的表達(dá)方

16、式：insure(貨物) for(金額)with（保險(xiǎn)公司）against（險(xiǎn)別） e.g. 我們已與中國(guó)人民保險(xiǎn)公司將100 公噸羊毛按發(fā)票金額的110% 投保一切險(xiǎn)， 保險(xiǎn)費(fèi)用為3%。 Weve covered insurance with Peoples Insurance Company of China on the 100 metric ton of wools for 110% of the invoice value against all risks at the rate of 3%. 2. all risk 兩種最主要的保險(xiǎn)條款，一個(gè)是ICC, 英國(guó)倫敦保險(xiǎn)協(xié)會(huì)制定的“協(xié)

17、會(huì)貨物保險(xiǎn)條款”，另一個(gè)是 CIC, 即中國(guó)保險(xiǎn)條款。該條款是由中國(guó)人民保險(xiǎn)公司制訂，中國(guó)人民銀行及中國(guó)保險(xiǎn)監(jiān)督委員會(huì)審批頒布。根據(jù)C.I.C.保險(xiǎn)條款， 海洋保險(xiǎn)基本險(xiǎn)別有三種：即(1)free from particular average (F.P.A.) 平安險(xiǎn)。 (2) with particular average (W.A.) 水漬險(xiǎn)（基本險(xiǎn)）。 (3)all risk 一切險(xiǎn)（綜合險(xiǎn)）。 中國(guó)人民保險(xiǎn)公司（PICC）承保的險(xiǎn)別有：基本險(xiǎn)別，即FPA(平安險(xiǎn)),WPA(水漬險(xiǎn)),All Risks(一切險(xiǎn))和附加險(xiǎn)。常見(jiàn)的一般附加險(xiǎn)（general additional risk

18、）和特殊附加險(xiǎn)(special additional risk)有：general additional risk: Theft, Pilferage & Non-delivery Risks (TPND) 偷竊、提貨不著險(xiǎn) Fresh and /or Rain Water Damage Risks 淡水雨淋險(xiǎn)Shortage Risk 短量險(xiǎn)Inter-mixture & Contamination Risks 混雜、玷污險(xiǎn)Leakage Risk 漏損險(xiǎn)Clash & Breakage Risks 碰損、破碎險(xiǎn) Taint of Odor Risk 串味險(xiǎn)Sweating & Heatin

19、g Risks 受潮受熱險(xiǎn)Hook Damage Risk 勾損險(xiǎn) Rust Risk 銹損險(xiǎn)Breakage of Packing Risk 包裝破裂險(xiǎn)Special additional risks: Failure to delivery 交貨不到險(xiǎn)Import Duty Risk 進(jìn)口關(guān)稅險(xiǎn)On Deck Risk 艙面險(xiǎn) Rejection Risk 拒收險(xiǎn)Strike, riot and civil commotion (SRCC) 罷工、暴動(dòng)、民變險(xiǎn)Contingency insurance “cover sellers interest only” 賣方利益險(xiǎn)Aflatoxin

20、 risk 黃曲霉素險(xiǎn) War Risk. 戰(zhàn)爭(zhēng)險(xiǎn) 3. coverage n. the extent of protection afforded by an insurance policy 保險(xiǎn)范圍，承保險(xiǎn)別e.g. 關(guān)于保險(xiǎn)，是按發(fā)票金額的120%投保至目的港。 Regarding insurance, the coverage is for 120% of the invoice value up to the port of destination only. v. cover 投保 cover the goods against 投保險(xiǎn)別 cover the insurance

21、with 向投保 cover against 投保險(xiǎn) v. cover 投保e.g.保險(xiǎn)由賣方按發(fā)票金額的130%投保平安險(xiǎn)和破碎險(xiǎn)。 Insurance is to be covered by the seller against FPA and breakage risk for 130% of the invoice value. n. cover 保險(xiǎn)，險(xiǎn)別 arrange insurance cover4. premium n. the amount paid for an insurance policy 保險(xiǎn)費(fèi) premium rebate 保險(xiǎn)費(fèi)回扣 premium rate

22、保險(xiǎn)費(fèi)率 5. discharge n. unloading cargo from a ship 卸貨 discharge of the goods 卸貨 port of discharge 卸貨港 v. discharge 從卸貨 e.g. 卸貨需要多長(zhǎng)時(shí)間？ How long will the discharge of the cargo take? 水漬險(xiǎn)在貨物卸船后60天有效。 WPA. must be valid for period of 60 days after the discharge of goods. 6. warehouse n. a place in which g

23、oods or merchandise are stored; a storehouse 倉(cāng)庫(kù)商品或貨物貯存之處；貨棧 warehouse to warehouse clause 倉(cāng)至倉(cāng)條款 exwarehouse 倉(cāng)庫(kù)交貨價(jià)格條款7. file v. lodge, register 提出 e.g. 在我方職員檢查了哥拉斯戈的倉(cāng)庫(kù)后，發(fā)現(xiàn)40包貨物沒(méi)有用5層硬紙袋包裝。 After a check-up by our staff at the warehouse in Glasgow, it was found that some 40 bags had not been packed in

24、5-ply strong paper bags. 這完全是由于倉(cāng)庫(kù)經(jīng)理的疏忽而造成的。 This was due entirely to negligence on the part of the warehouse managers. file a claim 提出索賠 8. undertake v. make oneself responsible for, agree to do 擔(dān)任，答應(yīng)，約定 undertake to do sth. undertake sth.9. sustain v. suffer 蒙受，遭受undertake the risk 承擔(dān)風(fēng)險(xiǎn)undertake (t

25、ake on ) an enterprise 創(chuàng)辦事業(yè)e.g. 如果A方不能按要求提供有關(guān)保險(xiǎn)信息，B方將不承擔(dān)任何責(zé)任。 Party B neednt undertake any obligation when Party A cannot release information about insurance as requested. 廠方答應(yīng)接受訂貨。 The manufacturer undertake to accept orders.n. undertaker 承辦商， 企業(yè)主n. undertaking 事業(yè)，企業(yè) e.g.當(dāng)被保險(xiǎn)貨物遭受損失或損害時(shí)，保險(xiǎn)公司將根據(jù)保險(xiǎn)單上規(guī)

26、定 的保險(xiǎn)條款進(jìn)行賠償。 When the goods insured sustain loss or damage, the Company shall undertake to indemnify according to the Insured Condition specified in the Policy.10. submit v. give sth. to a person or an organization提交，呈交11. time-barred adj. null 失效的 e.g.出口商在裝船之后向議付行議付貨款時(shí)，須提交下列單據(jù)。 The following docume

27、nts should be submitted when the exporter ask the negotiating bank for the payment after the shipment. e.g.如未在兩年期間提起司法訴訟或仲裁，根據(jù)本公約的任何訴訟即失去時(shí)效。 Any action under this Convention is time-barred if judicial or arbitral proceedings have not been instituted within a period of two years. 12. enjoy high prest

28、ige 享有極佳的聲譽(yù)13. particular n. detail 細(xì)節(jié), 詳細(xì)n. reputation 聲譽(yù)，威望adj. prestigious 有聲望的e.g.該公司成立于1980年，在該行業(yè)享有極佳的聲譽(yù)。 The firm was established in 1980 and has enjoyed high prestige for this line. 中國(guó)的陶器加工精美,享譽(yù)世界。 Chinas pottery is beautifully finished and has enjoyed a high prestige in the world. 該公司是歐洲有名的保

29、險(xiǎn)公司。 The company is a prestigious European insurance business. adj. particular 嚴(yán)謹(jǐn)?shù)?，精確的 particular description 詳細(xì)的描述 particular about/over 挑剔的 in particular 特別地adv. particularly 特別地，顯著地e.g.對(duì)于詳情，我方將隨附商品目錄一份供你方參考。 For further particular, we shall enclose a copy of price list for your information. 14. f

30、or 150% of the invoice value 按發(fā)票金額150%投保15. borne ( bear ) v. 承擔(dān)，負(fù)擔(dān) bear the expenses 承擔(dān)費(fèi)用 be borne by 由承擔(dān) 保險(xiǎn)金額的表達(dá)還有：for 10% above the invoice value for the invoice value plus 10% for full 100% invoice value plus 10% for the invoice cost plus 10% e.g.公司依照法律對(duì)所有賠償負(fù)責(zé)。 The Company shall bear all compens

31、ation in accordance with the law. 以上提到的損失自港口免費(fèi)存儲(chǔ)期滿后16天起開(kāi)始計(jì)算，除不可抗力 外，由買方承擔(dān)。 The abovementioned loss to be calculated from the 16th day after expiry of the free storage time at the port should be borne by the Buyer with the exception of Force Majeure. Lesson 16 Insurance 保險(xiǎn)保險(xiǎn)TEXTArm yourselfMain point

32、sMake yourself skilledTEXTArm yourselfMain pointsMake yourself skilled4. Make yourself skilled I. Basic Training1. Translate the following expressions into Chinese: Insurance agent All risks Extra premium Insurance policy PICC WPA FPA 保險(xiǎn)代理 一切險(xiǎn) 額外保險(xiǎn)費(fèi) 保險(xiǎn)單 中國(guó)人民保險(xiǎn)公司 水漬險(xiǎn) 平安險(xiǎn) More exercises 1Fill in the b

33、lanks with the proper words given: covering against premium coverage insure for bear prestige covered reputation1）Please arrange insurance on the goods _ All Risks.2）The _ rate for the proposed shipment against WA is 0.7%.3）If a higher percentage is required, we may do accordingly but you have to _

34、the extra premium as well.4）We usually effect insurance _ 110% of the invoice value. 5）Id like to have the insurance _ for 130% of the invoice value. againstpremiumbearforcovered6）The trademark of “ Dancing Red Devil fireworks” enjoys high _ in the main markets of Europe and America.7）Our products r

35、ank in front in the same field not only for the technologic norm but also the adoptability which bring our company high _ in the line.8）Please _ the article against WPA.9）We regret being unable to comply with your request for _ insurance for 150% of the invoice value.10）We can provide such additiona

36、l _ at a slightly higher premium. prestigereputationinsurecoveringcoverage2. Translate the following sentences into Chinese: 1) Insurance policy or certificate settling agents name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawn in excess of the credit valu

37、e.2) Insurance policy or certificate covers WPA (or FPA.) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the peoples insurance company of china dated 1/1/1981.3 保險(xiǎn)單或憑證須表明理賠代理人的名稱,保險(xiǎn)費(fèi)如增加10%-17%可在本證金額以外支付。保險(xiǎn)單或憑證根據(jù)中國(guó)人民保險(xiǎn)公司1981年1月1日的海洋運(yùn)輸貨物保險(xiǎn)條款和海洋運(yùn)輸貨物戰(zhàn)爭(zhēng)險(xiǎn)條款投保水漬險(xiǎn)(

38、或平安險(xiǎn))和戰(zhàn)爭(zhēng)險(xiǎn)。4) Insurance policy is issued and endorsed to order for the face value of invoice plus 10% with 15 days after arrival of goods at destination, only against FPA and TPND.5）Insurance policy or certificate is issued by an insurance co. with WPA clause covering the merchandise for about 10% ab

39、ove the full invoice value including unlimited transshipment with claims payable at Singapore .6) Marine insurance policy includes both to blame collision clauses and fully covers the shipment. 按發(fā)票面值加10%投保平安險(xiǎn)和盜竊提貨不著險(xiǎn),貨物到達(dá)目的地后15天有效,保險(xiǎn)單開(kāi)給或背書給由保險(xiǎn)公司簽發(fā)的保險(xiǎn)單或憑證按發(fā)票總金額另加10%投保水漬險(xiǎn),包括非限定轉(zhuǎn)船的損失,在新加坡賠付。海運(yùn)保險(xiǎn)單包括負(fù)責(zé)船舶

40、互撞條款和全部貨載。v 1. Because of no definite instructions being sent by you to us although at the end of last month, we only effected insurance to cover W.P.A. so as to avoid delayed shipment.v 2. provided you like to comply with Institute Cargo Clauses to effect insurance, we are pleased to do it as you l

41、ike, the difference of which, however, is paid by you if there are any. v 3. on arriving, we find a surveyor and on examining it is discovered that fourteen cases are broken, for which we enclosed a damaged list.v 4. the result of the inspection of the surveyor says that this goods is not for sale,

42、therefore, we can have nothing to do but to ask for replacements immediately.v 5. we have received your fax of October 22, thanks, being informed of your quotation for your present rate for All Risks, now we want to insure to you the consignment as follows:II. Improving TrainingTranslate the followi

43、ng sentences into English:1) 我公司可以承保海洋運(yùn)輸?shù)乃须U(xiǎn)別。(cover all the risks)2) 保險(xiǎn)將在貨物從目的港卸貨后到達(dá)倉(cāng)庫(kù)結(jié)束。（discharge, warehouse）3) 一切險(xiǎn)的承保范圍比平安險(xiǎn)寬。（coverage, broad）4) 我們通常按發(fā)票金額的110%來(lái)投保。(insure for)5) 除水漬險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)外，請(qǐng)?jiān)偻侗Ｆ扑殡U(xiǎn)。(cover insurance against, breakage) We can cover all the risks of ocean transportation. Insurance will terminate when the