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外贸函电 ,关于保险Unit12 Insurance

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外贸函电-Unit 12 保险

外贸函电-Unit 12 保险

办法
As we understand that as per your customary practice,
you only insure the shipment for 10% above the
invoice value, the extra premium for additional coverage shall be for our account.（我们知道按照你 方的惯例，你方仅对货物发票金额加一成投保， 而附加险的额外保险费将由我方承担。）
We are pleased to inform you that we have covered
the shipment with … against …for …（很高兴告知，
（2） 告知对方
我方已向……办理投保手续，投保……（险别）， 投保金额为……。）
保险条款、
投保险别、Although it is our usual practice to take out insurance
12.2 Writing Skills（写作技巧）
进口方写给出口方请其代办保险信函的写作步骤 及常见表达方式:
写作步骤
表达方式
We wish to refer you to…（请参阅……。）
（1）
说明某合 同项下的 We are pleased to inform you that…（很高兴告
来函 知……。）
附加险(Extraneous Risks)，包括一般附加险、特殊附加 险和特别附加险。
常见的一般附加险有11种，分别为：
(1) Theft, Pilferage and Non-Delivery Risks(简称T.P.N.D.或 TPND)偷窃、提货不着险 (2) Fresh and/or Rain Water Damage Risks淡水雨淋险 (3) Shortage Risk或Risk of Shortage短量险 (4) Intermixture and Contamination Risks混杂、沾污险 (5) Leakage Risk或Risk of leakage渗漏险 (6) Clash and Breakage Risks碰损、破碎险

外贸英语函电十二章

外贸英语函电十二章
wool。 2. 表示投保的险别。后接 against。如： Insurance against all
risks
3. 表示保额。后接for 如 insurance for 110％ of the invoice value 4. 表示保险费或费率， 后接at，如：insurance at a slightly
insurance that CIF is and of you risks Ocean the
China on extra by mentioned in Risks necessary You the China equitable
there be take in arrival the to damage for as in trouble
Specimen letter
P205 Letter-1（进口商来信，要求代办保险）
refer to 查看 place on a CFR basis 按CFR价格订购 desire to 想 have sth. Insured at your end 在你处对XX保险 on our behalf 代我们 refund to 退还 premium 保险费 draw on sb. 对xx开立汇票
投保，办理保险
Cover insurance Arrange insurance Effect insurance Provide insurance Take out insurance
说明情况时，insurance后介词的用法： 1.表示所保的货物，后接 on，如： insurance on the 100 ton of
7.to compensate for 赔偿 If any damage to the goods occurs a claim at your end, who will undertake to compensate for the loss sustained. 货物如发生损坏，可向贵地的保险代理提出索赔。他们将赔偿贵方遭受 的损失。

Unit 12 insurance

Unit 12 insurance

• Insurance on China’s exports may also be covered here if the foreign buyers deem it advisable to do so. • But never should the buyers be forced to accept CIF terms if they intend doing business on CFR or FOB basis with insurance at their discretion.
Unit 12 Insurance
Teaching Aims:
Insurance is a rather complicated subject and it has now entered into almost every transaction in international trade. To meet the requirement of sea transportation, various kinds of marine risks can be covered under different insurance policies. This chapter deals mainly with marine insurance.
• • • • • •
(5)渗漏险 (Risk of Leakage) (6)碰损，破碎险 (Risk of Clash and Breakage) (7)钩损险 (Hook Damage) (8)受潮受热险 (Damage Caused by Sweating and Heating)
• ห้องสมุดไป่ตู้ • •
• （2）险别（coverage） • 险别是确定承保人赔偿的责任范围， • 不同的险别承保人承担的责任范围不同。

外贸函电保险例文及句子--Insurance PPT

外贸函电保险例文及句子--Insurance PPT
Principles of Cargoes Insurance（保险的基本原则） (1)保险利益原则—— The insurable interset 投保人对保险标的应当具有保险利益。 An applicant shall have an insurable interest in the subject matter of the insurance.
是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。
An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.
Unit Twelve Insurance
1
What is the purpose of insurance?
house against fire. You can insure your car against accident/theft.
nose against harm. life insurance. health insurance. You can effect a endowment insurance.养老保险 accident insurance. burglary and robbery insurance
保险价值是指保险标的的保险价值，保险价值可以由投保人和保险人约定并在合同 中载明，也可以按照保险事故发生时保险标的的实际价值确定。 The insured value of the subject matter of the insurance may be agreed by the applicant and the insurer, and specified in the contract; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event.

外贸英文函电-Insurance

外贸英文函电-Insurance
Learning Objectives
1. To know the main types of insurance coverage; 2. To comprehend the content of a letter related to insurance and claims; 8. To grasp relevant terms and expressions.
Ex.Clearan ce
Carriage
Seller
Buyer
Seller
Seller
Seller
Seller
Insurance Buyer Buyer Seller
Im.Clearan ce
Modeof Transport
Buyer
Sea or inlandwaterway
Buyer
Sea or inlandwaterway
invoice value against All Risks and War Risks with the People’s Insurance Company of China. 我们已将 5000台“联想”牌计算机按发票金额的11%向中国人民保险公司投保一切险和战争险。
8.2.1 Asking the Seller to Effect Insurance
8.1.2 CIF and CFR
Trade Terms FOB
CFR
CIFComparFra bibliotekson of FOB, CFR and CIF Terms
Placeof Delivery
Port of shipment
Port of shipment
Port of shipment

外贸函电__关于保险Unit12_Insurance

外贸函电__关于保险Unit12_Insurance
Insured Amount = CIF price x ( 1 + markup percentage )
The insurance premium
The formula for calculating the premium under CIF trade terms:
Insurance Premium = insured amount x premium rate = CIF price x ( 1+ markup percentage ) x premium rate
Expenses incurred
• Two types of expenses
– Sue or labor expenses (eg.施救费)
• When the subject matter suffers the risks within insurance coverage • the insured takes measures to avert or minimize the loss or damage to the subject matter insured.
8. Partial loss caused directly by natural calamities 9. Loss or damage due to external causes including general extraneous risks, excluding special extraneous risks and exclusions
1. Total loss
Actual total loss Constructive total loss
due to
a. natural calamities b. fortuitous accidents

外贸函电--Insurance(课堂PPT)

外贸函电--Insurance(课堂PPT)
may include a particular average loss(单独海损), a general average loss(共同海损) and particular charges(特殊收费). Thus there are two distinct types of partial loss.
9
Part 2. Losses in Ocean Transportation Ocean average 海损
When used for insurance, the word ‘average’ has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
2
关系？
风险： risks, per partial loss
particular average (单独海损）
general average （共同海损）
险别：risks, perils, coverages
保险公司按照不同险别包括的风险所造成的损失和发生的费 用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着 紧密的联系，为此，我们对保险公司所能承保的风险与损失的种 类和内容必须有准确的理解。
8
Part 1. Perils in Ocean Transportation
（2）Special extraneous risks 特殊外来风险 Special extraneous risks refer to risks resulting

英语商务函电PPT-Unit12 Insurance

英语商务函电PPT-Unit12 Insurance

• •
保险条款 The PICC has its own insurance clauses, known as China insurance clauses (CIC), which is different from the Institute Cargo Clauses (ICC).
• The principal perils which the basic marine policy of the PICC insures against under its Ocean Marine Cargo Clauses are:
Ⅲ. Teaching contents:
• Import and export cargoes are subject to damage or loss incurred by a variety of risks in the course of transit, loading and unloading, storage, etc.
• 保险的目的是使其货物遭受损失或损坏者 得到赔偿。换句话说，它是一种赔偿契约， 给某人赔偿遭受损失的全部金额或按特定 百分比赔偿所损失的一部分金额。
• A contract of insurance, which is generally made in the form of an insurance policy, is one • between a party who agrees to accept the risk (the insurer) • and a party seeking protection from the risk (the insured).
• In return for payment of a premium, the insurer agrees to pay the insured a stated sum (or a proportion of it) should the event insured against occur. The premium, being the name given to the sum of money, paid by the insured, is quoted as a percentage of the sum insured.

商务英语谈判unit 12 Insurance

商务英语谈判unit 12 Insurance

Unit 12 Insurance
8. 保险费是多少？ What is the insurance premium？
9. 保险费用按照货物类别的具体情况会有所不同。 The cover paid for will vary according to the type of goods and the circumstances.
10. 这类险别的保险费率将根据货物种类而定。 The insurance rate for such kink of risk will vary according to the kind.
15. We’d like to get a policy for total loss only for these goods.
Unit 12 Insurance
IV. Keys to Exercises
1. Translate the following sentences into Chinese
赔偿某人损失
Ocean e Cargo Clauses:
海洋货物保险条款
FPA (Free from Particular Average): 平安险
WPA (With Particular Average):
水渍险
All Risks:
一切险
premium:
保险费
Extraneous Risks:
7. Please effect insurance on your side covering all risks and war risk. 请在贵地投保一切险和战争险。
8. For transactions concluded on CIF basis, it is understood that the insurance amount will be for 110% of the invoice value against the risks specified in the contract. 对于按CIF条件达成的交易，众所周知保险应按发票金额的 110%投保合同规定的险种。

Unit 12 insurance

Unit 12 insurance


For transactions concluded on CIF basis, we usually effect insurance with PICC against All Risks, as per Ocean Marine Cargo Clauses of PICC dated the 1 January, 1981. Should you require the insurance to be covered as per Institute Cargo Clauses (ICC) we would be glad to comply but if there is any difference in premium between the two it will be charged to your account.






(一) 平安险 本保险负责赔偿： 1、货物在运输途中由于恶劣气候、雷电、海啸、地 震、洪水自然灾害造成整批货物的全部损失或推定全 损。当被保险人要求赔付推定全损时，须将受损货物 及其权利委付给保险公司。被保险货物用驳船运往或 运离海轮的，每一驳船所装的货物可视作一个整批。 推定全损是指被保险货物的实际全损已经不可避免， 或者恢复、修复受损货物以及运送货物到原订目的地 的费用超过该目的地的货物价值。 2、由于运输工具遭受搁浅、触礁、沉没、互撞、与 流冰或其他物体碰撞以及失火、爆炸意外事故造成货 物的全部或部分损失。 3、在运输工具已经发生搁浅、触礁、沉没、焚毁意 外事故的情况下，货物在此前后又在海上遭受恶劣气 候、雷电、海啸等自然灾害所造成的部分损失.

We are also in a position to insure the shipment against any additional risks if you do desire, and the extra premium is to be borne by you. In this case, we shall send you the premium receipt issued by the relative underwriter.

外贸函电-Unit 12 保险

外贸函电-Unit 12 保险

要求办理 保险的来 We have received your letter of…, asking us to insure
函 the goods for an amount of … % above the invoice value.（我们已经收到你方……日来函，要求我方 对该货物按发票金额加成……%投保。）
对该批货物按发票金额的130%投保。）
The policy is being prepared accordingly and will be
forwarded to you by next Tuesday together with our
（3） 说明保险
debit note for the premium.（我方准备将相应的保 单及我方关于保险费的索款通知单，于下周二寄 送你方。
(7) Hook Damage Risk钩损险 (8) Rust Risk或Risk of Rust锈损险 (9) Breakage of Packing Risk包装破裂险 (10) Sweating and Heating Risks受潮受热险 (11) Taint of Odor Risks串味险
办法
As we understand that as per your customary practice,
you only insure the shipment for 10% above the
invoice value, the extra premium for additional coverage shall be for our account.（我们知道按照你 方的惯例，你方仅对货物发票金额加一成投保， 而附加险的额外保险费将由我方承担。）

外贸函电--保险篇

外贸函电--保险篇

I'm looking for insurance from your company.我是到贵公司来投保的。

Mr. Zhang met Mr. William in the office of the People' Insurance Company of China.张先⽣在中国⼈民保险公司的办公室接待了威廉先⽣。

After loading the goods on board the hip, I go to the insurance company to have them insured. 装船后，我到保险公司去投保。

When should I go and have the tea insured?我什么时候将这批茶叶投保？All right. Let's leave insurance now.好吧，保险问题就谈到这⾥。

I have come to explain that unfortunate affair about the insurance.我是来解释这件保险的不幸事件的。

I must say that you've corrected my ideas about the insurance.我该说你们已经纠正了我对保险的看法。

This information office provides clients with information on cargo insurance.这个问讯处为顾客提供⼤量关于货物投保⽅⾯的信息。

The underwriters are responsible for the claim as far as it is within the scope of cover.只要是在保险责任范围内，保险公司就应负责赔偿。

The loss in question was beyond the coverage granted by us.损失不包括在我⽅承保的范围内。

商务英语函电12Insurance

商务英语函电12Insurance

Risk of Shortage in Weight
On Deck Risk
《商务英语函电》 Unit 12 Insurance
Warm Up
Knowledge Objective
Skill Objective
Insurance covers all damages or loss of the goods in ocean transportation, land
Warm Up
6) Special charge for landing, warehousing and forwarding at an intermediate port of
call or refuge
7) General Average (G/A) sacrifice and G/A expenditure
transportation, and air transportation and provides considerable benefit and financial
Business Situational Design
advantages. In international business, the ocean transportation is the most significant and
with any external substance other than water
4) Any package which totally lost in loading, transshipment or discharge
5) P/A attributed to discharge of cargo at a port of distress

外贸函电unit 12

外贸函电unit 12
LOGO
Part Two
1. Structure of the Body
Generally speaking, there are mainly three kinds of business letter
about insurance:
(1) Letter about asking the seller to cover insurance for the buyer
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 the 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.
As we now desire to have the shipment insured at your end ,we shall be pleased if you will arrange to ship the goods on our behalf against All Risks at invoice value plus10%,D45,325.00.
When asking the seller to cover insurance, the following points should be

外贸函电--Insurance

外贸函电--Insurance

Part 2. Ocean Marine Cargo Clauses of China
Insurance Clauses (CIC)
2. WPA or WA水渍险 (with particular average, with average)
WPA is a wider cover than FPA. It provides extensive cover against all loss or damage due to marine perils throughout the duration of the policy, including partial loss or damage which may be attributed to natural calamities like heavy weather.
(1) General extraneous risks
(2) Special extraneous risks
Part 1. Perils and Losses in Ocean Transportation
Perils and risks
kinds of perils 风险种类
In marine insurance, perils are generally of two kinds. 1. Perils of the sea 海上风险（又称海难） （1）Natural calamities 海上发生的自然灾害
General extraneous risks include theft, breakage, leakage, contamination, sweat and heating(受潮受热), taint of odor(串味), hook damage(钩损), shortage(短量) and rust(锈损)
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例如， 合同价值为USD12000， 例如，某CIF合同价值为 合同价值为 ， 投保一切险与战争险 一切险与战争险， 投保一切险与战争险，费率分别为 0.6%和0.4%，请问保险金额 和保险费 和 ，请问保险金额 各多少？ 各多少？
•Answer: • Insured Amount: • USD12000 x 110% = USD13200 •Insurance Premium: • USD 13200 x (0.6%+0.4%) = USD132
• the claimant
– The claimant may not necessarily be the insurant
• the insurance policy
- The contract made between the insurer and the insured
• the insured amount
Figure 6.4 Basic Coverage of C.I.C.
Insured Amount and Insቤተ መጻሕፍቲ ባይዱrance Premium
•The insured amount
The formula for calculating the insured amount under CIF trade terms:
• Two types of risks
– Perils of the sea
• Natural calamities – Caused by force majeure events such as heavy weather , lightening, Tsunami, earthquake, volcanic eruption,, etc. • Unexpected accidents/fortuitous accidents – Caused by accidents such as fire, explosion, vessel being stranded , grounded, sunk or capsized, collision, missing, etc.
Insured Amount = CIF price x ( 1 + markup percentage )
The insurance premium
The formula for calculating the premium under CIF trade terms:
Insurance Premium = insured amount x premium rate = CIF price x ( 1+ markup percentage ) x premium rate
– Salvage charge (救助费)
• A third party other than the insured takes measures to save the subject matter • (“No-Cure，No-Pay” principle)
Different Risks
The risks :
F.P.A.
W.P.
A.R.
3. Total or partial loss caused by accidents and consequent on falling of entire package during loading, unloading or transshipment 4. Reasonable expenses the insured makes for the salvage of the goods insured, and for averting or minimizing the losses 5. Loss due to discharge of the insured goods at a port of distress following a sea peril as well as special charges arising from loading, warehousing and forwarding of the goods at an intermediate port of call or refuge 6. Sacrifice in and contribution to salvage charges 7. Loss due to “Both to Blame Collision” Clause
Losses in Marine Cargo Transport
The losses and damages done to the goods can fall into : 1. Total Loss 1) Actual Total Loss （the whole lot of the consignment has been lost or damaged or found valueless upon the arrival at the port of destination) 2) Constructive Total Loss ( the actual loss of the insured goods is unavoidable, or the ship or the consignment has to be abandoned because the cost of salvage or recovery would exceed the value of the ship and the consignment in sound condition upon the arrival of the port of destination.) 2. Partial Loss 1) General Average (G.A.)共同海损 ( when both the ship and the 共同海损 consignments on board are engaged and the Captain, for the safety of the ship and the consignments, intentionally and reasonably does some sacrifices or makes some expenses.) 2) Particular Average (P.A) 单独海损 a particular consignment is 单独海损( partially damaged)
1. Total loss
Actual total loss Constructive total loss
due to
a. natural calamities b. fortuitous accidents
2. Partial loss due to
a. fortuitous accidents b. natural calamities, where the conveyance being grounded, stranded, sunk or burnt before or after the fortuitous accident
- The amount covered against the subject matter ( which is usually the amount of 110% of CIF value of the consignment)
• premium
- The sum of money the insured agrees to pay the insurer for an insurance policy
8. Partial loss caused directly by natural calamities 9. Loss or damage due to external causes including general extraneous risks, excluding special extraneous risks and exclusions
External/Extraneous Risks
General Additional Risk
1. Theft Pilferage and Non-Delivery , T. P. N. D. ； 2. Rain Fresh Water Damage , F.W. R. D. ； 3. Risk of Shortage ； 4. Risk of Intermixture and Contamination ； 5. Risk of Leakage ； 6. Risk of Clash and Breakage ； 7. Risk of Ordor ； 8. Damage Caused by sweating and Heating ； 9. Hook Damage ； 10. Loss and Damage Caused by Breakage of Packing ； 11. Risk of Rust.
Marine Risks
Natural calamities Perils of the sea Unexpected accidents/ fortuitous accidents Risks General risks External/Extraneous risks
Special risks
Cargo Transportation Insurance
Terms involved
• the insurant / insured/assured
– The party that buys insurance (exporter/importer)
• the insurer
– The party undertaking to indemnify the insurant against losses or damages (PICC)