外贸函电 第九章(保险2014)

第九章保险Insurance学习目标掌握国际贸易实务中有关货物保险的基本专业知识熟悉与货物的投保环节相联系的信函常用词句与练习关键词保险（insurance）、保险单（insurancepolicy）、保险费（insurancepremium）、发票金额（invoicevalue）、一切险或综合险（AllRisks）、水渍险（WPA）、平安险（FPA）、战争险（WarRisk）保险定义和类别对外运输货物保险：以对外贸易货物运输过程中的各种货物作为保险标的保险。外贸货物的运送有海运、陆运、空运以及通过邮政送递等多种途径。对外贸易运输货物保险的种类以其保险标的的运输工具种类相应分为四类：海洋运输货物保险陆上运输货物保险航空运输货物保险邮包保险。有时一批货物的运输全过程使用两种或两种以上的运输工具，这时，往往以货运全过程中主要的运输工具来确定投保何种保险种类。主要险别海洋运输货物保险，按照国家保险习惯，可将各种险别分为主险、一般附加险、特别附加险几种。（一）主要险别1.平安险（FreefromParticularAverage，简称F.P.A.）平安险这一名称在我国保行业中沿用甚久。其英文原意是指单独海损不负责赔偿。根据国际保险界对单独海损的解释，它是指部分损失。因此，平安险的原来保障范围只赔全部损失。但在长期实践的过程中对平安险的责任范围进行了补么和修订，当前平安险的责任范围已经超出只赔全损的限制。主要险别2.水渍险（WithParticularAverage，简称w.p.a.）水渍险的责任范围除了包括上列“平安险”的各项责任外，还负责被保险货物由于恶劣气候、雷电、海啸、地震、洪水等自然灾害所造成的部分损失。3.一切险（allrisks）一切险的责任范围除包括上列平安险和水渍险的所有责任外，还包括货物在运输过程中，因各种外来原因所造成保险货物的损失。不论全损或部分损失，除对某些运输途耗的货物，经保险公司与被保险人双约定在保险单上载明的免赔率外，保险公司都给予赔偿。附加险别一般附加包括：1、偷窃提货不着险（Theft,PilferageandNon-delivery,简称T.P.N.D.）2、淡水雨淋险（FreshWaterRainDamage,简称F.W.R.R.）3、短量险（riskofshortage）4、混杂、沾险（riskofintermixture&contamination）5、渗漏险（riskofleakage）6、碰损、破碎险（riskofclash&breakage）7、串味险（riskofodour）8、受热、受潮险（damagecausedbyheating&sweating）9、钩损险（hookdamage）10、包装破裂险（lossfordamagebybreakageofpacking）11、锈损险（riskofrust）上述11种附加险，不能独立承保，它必须附属于主要险面下。也就是说，只有在投保了主要险别以后，投保人才允许投保附加险。投保一切险后，上述险别均包括在内特别附加险特别附加险也属附加险类内，但不属于一切险的范围之内。目前特别附加险别有：1.交货不到险（failuretodeliveryrisk）2.进口关税险（importdutyrisk）3.黄曲霉素险（aflatoxinrisk）4.出口货物到香港（包括九龙在内）或澳门存储仓火险责任扩展条款（fireriskextensionclauseforstorageofcargoatdestinationHongkong,includingKowloon,orMacao）5.战争险（warrisk）6.罢工险（strikesrisk）等买方向卖方提出CFR条件DearSirs,WethankyouforyourletterofFebruary15,quotingus500metrictonsofwoolonCIFterms.Weregret,however,thatweprefertohaveyourquotationsonCFRterms.Foryourinformation,wehavetakenoutanopenpolicywiththeLloydInsuranceCompany,London.Allwehavetodowhenashipmentismadeistoadvisethemoftheparticulars.Furthermore,weareonverygoodtermswiththem.Weusuallyreceivefromourunderwritersquiteahandsomepremiumrebateatregularintervals.Welookforwardtohearingfromyouatanearlydate.Faithfullyyours,买方要求卖方代办保险DearSirs,Re:OurorderNo.10Covering500CasesElectronicToysWewishtoreferyoutoourOrderNo.10for500caseselectronictoys,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchobligedifyouwillarrangeinsuranceonourbehalfagainstAllRisksatinvoicevalueplus10%,i.e.US$35000.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightforthepremium.Wesincerelyhopethatourrequestwillmeetyourapproval.Yourssincerely,卖方对买方关于保险要求的回复DearSirs,YourOrderNo.23covering5000pieceselectronicpumpsWehavereceivedyourletterofSeptember15,askingustoinsurethecaptionedorderforanamountof30%abovetheinvoicevalue.Althoughitisourpracticetoinsureshipmentsfortheinvoicevalueplus10%,wearepreparedtocomplywithyourrequestforgettingcoverfor130%oftheinvoicevalue.Buttheextrapremiumwillbeforyouraccount.Welookforwardtoyourreply.Yoursfaithfully,卖方向保险公司咨询保险事宜DearSirs,WeshallhaveaconsignmentofrefrigeratorsvaluedatUS$680,000CIFBoston,tobeshippedfromShanghaibys.s.“FlyingCloud”.WewishtocoverthegoodsagainstAllRisksfromourwarehousetotheportofBoston.We’dliketohavethegoodsinsuredfor110%oftheinvoicevalue.Willyoupleasequoteyourrateforthecover.Yourssincerely,保险公司报价DearSirs,Wehavereceivedyourletterof6thJuneaskingustoarrangeforAllRiskscoverforaconsignmentofrefrigeratorstoBostonbys.s.“FlyingCloud”.Ourrateforprovidingtherequiredcover,includingloadinganddischargingis0.6%,less5%specialdiscount.Pleaseinformusifourrateisacceptablesothatwemaypreparethepolicyintime.Yourssincerely,卖方就保险事宜向买方写信DearSirs,Pleasebeinformedthatwewillbeshippingyourorderof500setsrefrigeratorsperS/S“FlyingCloud”duetoleaveShanghaiattheendofthismonthorthebeginningofnextmonth.Unlessotherwiseinstructed,wewillarrangetotakeoutanAllRiskinsurancepolicyforyouontheabovecargo.Thistypeofcoverageis,inouropinion,necessaryforacargoofthisnature.Yourssincerely,1.underwritern.保险人；保险商insurerinsurancecompanytheinsuredinsurantassuredapplicant2.premiumn.保险费premiumtariffextrapremiumThepremiumiscalculatedaccordingtothepremiumrateorratesforriskstobecovered.Thisriskiscoverableatapremiumof1%.Insuranceofthegoodsistobecoveredbyusfor110%oftheCIFvalue,andanyextrapremiumforadditionalinsurance,ifrequired,shallbebornebythebuyers.3.coveragen.承保范围；险别总称insurancecoverageOurinsurancecoverageisfor110%ofinvoicevalueuptotheportofdestinationonly.KindlynotethattheinsurancecoversFPAandWarRiskonly.Shouldadditionalinsurancecoverageberequired,theextrapremiumincurredwouldbeforthebuyers’account.4.forone’saccount由…支付fortheaccountoftobebornebytoberesponsibleTheextrafreightistobeforbuyer’saccount.Asarule,theextrapremiuminvolvedwillbeforbuyer’saccount.for(the)accountof为…，代…，受…委托WeherebyissueanirrevocableL/CinyourfavorforaccountofChinaTradingCo.,Shanghai.(tobe)forone’saccount,fortheaccountofsbonaccountoftotake…intoaccountonone’sownaccount为自己的利益，自行负责Webuythiscommodityforafriendofours,notonourownaccount.5.coverv.n.保险tocoverinsurancetoholdsthcovereddegree