Unit 10 Insurance

Unit10Insurance200909Objectives通过本章的学习，帮助学生掌握:1.保险在外贸业务中的目的2.国际贸易中的主要险种3.涉及保险的商业信函的撰写IntroductionThepurposeofinsurancetoprovidecompensationforthosewhosufferfromlossordamageMaintypesofinsuranceininternationaltradeHookDamage钩损险RiskofOdour串味险RiskofRust锈损险Sweating&HeatingRisk受潮受热险RiskofShortage短量险WarRisk战争险RiskofLeakage渗漏险Pilferage&Theft偷窃险LossorDamageCausebyBreakageofPacking包装破裂险AllRisks一切险Lettersconcerninginsurancecanbewritteninthefollowingstructure:1.Putforwardtheproblemofinsuranceinapositiveway.2.Statewhichkindofinsuranceisdesiredandprovidethereaderwithconvincingandspecificreasons.3.Expressexpectationsforanearlyreplyorcooperation.•effectinsuranceonthecaptionedshipment办理标题货物的保险•在表示“投保”“办理保险”时,常与insurance搭配的动词或动词词组有：•arrangeinsurance•coverinsurance•effectinsurance•provideinsurance•takeoutinsurance•说明保险情况时,insurance后接介词的一般用法：•1）表示所保的货物,后接on,如insuranceonthe100tonsofwool。•2）表示投保的险别,后接against,如insuranceagainstAIIRisks。•3）表示保额,后接for,如insurancefor110％oftheinvoicevalue。•4）表示保险费或保险费率,后接at,如insuranceataslighthigherpremium,insuranceattherateof5%。•5）表示向保险公司投保,后接with,如insurancewiththePeople’sInsuranceCompanyofChina。SampleLettersLetter1AFormalLetterofInsurance••CHINASHENZHENFOREIGNTRADEGROUPCORP.•No.4ZhongXingRoad•Shenzhen,China•Sept.1,2005•TheJapanTradingCo.,Ltd.•Tokyo••DearSirs,••Werefertoyourletterofthe28thAugustenquiringaboutinsuranceonourCIFofferforCleanGreenPeasforcookingmadetoyouonthe15thAugust.Wewishtogiveyouthefollowinginformation:•现复你方8月28日来函，询及我方8月15日关于现成烹制干净绿豌豆的到岸价的保险费事宜。我方为你方提供下列信息：•IftransactionsareconcludedonCIFbasis,wegenerallyarrangeinsurancewithPeople’sInsuranceCompanyofChinaagainstallkindsofrisksforseatransportation,suchasFPA,WPA,AllRiskandExtraneousRisks.•如果货物以到岸价成交，我方总体上向中国人民保险公司投保了海运的一切险，例如：平安险、水渍险、一切险和附加险。•AccordingtothestipulationsofOceanMarineCargoClauseofthePeople’sInsuranceCompanyofChinadatedonJanuary1st,1981,thew/w(warehouse-to-warehouseclause),whichiscommonlyusedininternationalinsurance,isadoptedinthecoverageofFPA,WPAandAllRisks•根据中国人民保险公司于1981年1月1日颁布的《海洋运输条款》，国际保险中常用的“仓至仓”的责任条款包括平安险、水渍险、和一切险。•OurPeople’sInsuranceCompanyofChinaisastate-ownedenterpriseenjoyingahighprestigeinsettlingclaimspromptlyandequitablyandhasagentsinallmainportsandregionsovertheworld.•中国人民保险公司是一家享有盛誉的国有公司，其处理索赔快速公正.并在世界的主要港口和地区设置代理机构.•Bytheway,ifcustomersrequesttheinsurancetobecoveredasperInstituteCargoClause,wewouldbegladtocomply,butthedifferenceinpremiumbetweenCICandICCshouldbechargedtoyouraccount.•顺便提一下，如果客户要求保险按照货物保险条款，我方乐于参照执行，但是由中国海洋运输货物保险条款和伦敦保险协会海运货物保险条款中保险差额由贵方负担。•AstoExtraneousRisks,wearealsoinapositiontoinsuretheconsignmentagainstanyofthemasbuyers’request,andtheextrapremiumisbornebythebuyerstoo.•至于附加险，我方愿意按照买方要求对货物进行投保，并且额外的费用由买方负担。•Inthiscase,weshallsendthemthepremiumreceiptissuedbytherelativeunderwriter.•既然是这样/这样的话，我方将寄给你方由相关保险商所签发的保费收据。•Usually,ourinsuranceis110%oftheinvoicevalueonly.Ifahigherpercentageisrequired,wecandoaccordingly,butthebuyershavetobeartheextrapremiumaswell.•我方通常只按发票金额的110%投保。若贵方需要较高的份额，我方也可以参照执行，但是买方必须承担额外的保费。•Wehopetheaboveinformationwillprovideyouwithallyouwanttoknowandwearelookingforwardtoreceivingyourorder.•我方希望上述信息将为贵方提供想获悉的内容，并期盼收到贵方订单。••Yoursfaithfully,Letter2AskingSellertoCoverInsurance•UnitedImportCo.,Ltd.•48AshantiRoad,Accra,Ghana••July20,2006•SunlightImport&ExportCorp.•Ningbo325001•China••DearSirs,••Re:OurOrderNo.1001,YouSalesContractNo.018•Covering5000Setsof“Panda”LightFixtures•关于：你方第018号销售合同项下的5000套熊猫牌灯具的我方第1001号订单••WewishtoreferyoutoourOrderNo.1001for5,000setsof“Panda”lightfixtures,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.•请查阅我方订购5000套熊猫牌灯具的第1001号订单，当可查悉这批货是按成本加运费订购的.••Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyoukindlyarrangetoinsurethesameonourbehalfagainstAllRisksatinvoicevalueplus10%,i.e.USD5,500.•我方愿意在贵方所在地对货物进行投保，因而若贵方能代表我方按发票金额加价10%投保一切险，保额为5，500美元，我方将不胜感激。••Weshallofcourserefundtoyouthepremiumuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightfortheamountrequested.•debitnote：借项通知单，指卖方通知买方更正错误的文件，即：通知买方，因其错误而要借记(增加)买方应收账款账户，向对方补收钱;与之相对的是creditnote(贷项通知单）•一收到你方索款通知单，我们当立即把保险费付还给你方。如果你方愿意的话，也可以开即期汇票向我方收取所需金额•Wearelookingforwardtoyourearlyreply.•盼早复。•Yoursfaithfully,•LukeBrownLetter3CoveringInsuranceforBuyer.SunlightImport&ExportCorp.Ningbo325001,ChinaAugust2,2002TheUnitedImportCo.,Ltd.48AshantiRoadAccraGhanaDearSirs,Re:YourOrderNo.1001,OurSalesContractNo.018Covering5,000Setsof“Panda”LightFixtures关于：我方第018号销售合同项下的5000套熊猫牌灯具的你方第1001号订单ThisistoacknowledgereceiptofyourletterdatedJuly20requestingustoeffectinsuranceonthecaptionedshipmentforyouraccount.兹收到你方7月20日的来信，要求我方对标题货物代办保险。WearepleasedtoinformyouthatwehavecoveredtheaboveshipmentwiththePeople’sInsuranceCompanyofChinaagainstAllRisksforUSD5,500.我方欣然地告知你方：我方已向中国人民保险公司替上述装运的货物按金额5，000美元投保了一切险。Thepolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubytheendoftheweektogetherwithourdebitnoteforthepremium.我方正在按要求开列保险单，并将在本周末将保险单连同保险费的索款通知单一起寄给你方。Foryourinformation,wearemakingarrangementstoshipthe5,000setsoflightfixturesbys.s.“Fengqing”,sailingonoraboutthe5thnextmonth.我方于下月5号或5号左右