Thereisanoldchinesesaying——“Astormmayarisefromaclearsky;Somethingunexpectedmayhappenanytime”天有不測風(fēng)云，人有朝夕禍福。InsuranceContract(保險(xiǎn)合同)1.Definition(1)保險(xiǎn)合同是投保人與保險(xiǎn)人約定保險(xiǎn)權(quán)利義務(wù)關(guān)系的協(xié)議

Aninsurancecontractisanagreementwherebytheinsurancerightsandobligationsarespecifiedandagreedbytheapplicantandtheinsurer.(2)投保人——theapplicant

是指與保險(xiǎn)人訂立保險(xiǎn)合同，并按照保險(xiǎn)合同負(fù)有支付保險(xiǎn)費(fèi)義務(wù)的人。

Anapplicantreferstothepartywhoentersintoaninsurancecontractwithaninsurerandisobligatedtopaythepremiumsundertheinsurancecontract.(3)保險(xiǎn)人——theinsurer

是指與投保人訂立保險(xiǎn)合同，并承擔(dān)賠償或者給付保險(xiǎn)金責(zé)任的保險(xiǎn)公司。Aninsurerreferstotheinsurancecompanywhichentersintoaninsurancecontractwithanapplicantandisobligatedtomakeindemnityorpaymentsoftheinsurancebenefits.(4)被保險(xiǎn)人——theinsured

被保險(xiǎn)人是指其財(cái)產(chǎn)或者人身受保險(xiǎn)合同保障，享有保險(xiǎn)金請求權(quán)的人，投保人可以為被保險(xiǎn)人。Theinsuredreferstoanyonewhosepropertyorpersonisprotectedbytheinsurancecontractandwhoisentitledtoclaimforcompensation.Anapplicantmaybetheinsured.(5)保險(xiǎn)目標(biāo)——Thesubjectmatter

保險(xiǎn)目標(biāo)是指作為保險(xiǎn)對(duì)象的財(cái)產(chǎn)及其有關(guān)利益或者人的壽命和身體。Thesubjectmatteroftheinsurancereferseithertothepropertyoftheinsuredandrelatedinterestsassociatedtherewith,ortothelifeandthebodyoftheinsured,whichistheobjectoftheinsurance.(6)保險(xiǎn)事故——insuredevent

保險(xiǎn)事故是指保險(xiǎn)合同約定的保險(xiǎn)責(zé)任范圍內(nèi)的事故。Aninsuredeventreferstoaneventfallingwithinthescopeofcoverundertheinsurancecontract.(7)保險(xiǎn)金額——theinsuredsum

保險(xiǎn)金額是指保險(xiǎn)人承擔(dān)賠償或者給付保險(xiǎn)金責(zé)任的最高限額。Thesuminsuredreferstothemaximumamountwhichtheinsurerundertakestoindemnifyorpayunderitsinsuranceobligation(8)保險(xiǎn)費(fèi)——thepremium

保險(xiǎn)費(fèi)是指投保人向保險(xiǎn)人支付的保險(xiǎn)合同規(guī)定的費(fèi)用。Thepremiumreferstothechargethattheapplicantpaystotheinsurerasspecifiedintheinsurancecontract.RisksCoverage（險(xiǎn)別）中國保險(xiǎn)條款——C.I.CTheChinaInsuranceClauses(C.I.C)wasissuedbyPeople’sInsuranceCompanyofChina(PICC)andwasmodifiedin1981.1.1.NearlyalloceanmarinecargoinsurancesprocuredinChinaaregovernedbyC.I.C.C.I.Cprovidesbothbasicriskscoverageandadditionalriskscoverageformarinecargotransport.海洋運(yùn)輸貨物保險(xiǎn)的基本險(xiǎn)(basicriskscoverage)有三種。(1) 平安險(xiǎn)(FPA)：責(zé)任范圍為自然災(zāi)害造成的全部損失或推定全損，船只擱淺、觸礁、沉沒、互撞、失火、爆炸等意外事故造成的全部或部分損失。FreefromParticularAverage(2) 水漬險(xiǎn)(WA或WPA)責(zé)任范圍：除平安險(xiǎn)的各項(xiàng)責(zé)任外，還負(fù)責(zé)由于惡劣氣候等自然災(zāi)害造成的部分損失。WithParticularAverage(3) 一切險(xiǎn)(AR)：責(zé)任范圍為除平安險(xiǎn)、水漬險(xiǎn)的各種責(zé)任外，還負(fù)責(zé)運(yùn)輸途中因一般外來原因所造成的全部或部分損失，但不是對(duì)一切風(fēng)險(xiǎn)造成的損失都賠償。AllRisksGeneralAdditionalInsurance一般附加險(xiǎn)Thereareseveraladditionalinsurancesasfollows:(1) Theft,PilferageandNon-Delivery(TPND)偷竊提貨不著險(xiǎn)(2) FreshWaterandRainDamage淡水雨淋險(xiǎn)(3) RiskofShortage短量險(xiǎn)(4) RiskofLeakage滲漏險(xiǎn)(5) RiskofCrashandBreakage碰撞、破碎險(xiǎn)(6) RiskofOdor串味險(xiǎn)(7) HookDamage鉤損險(xiǎn)(8) DamageCausedbySweatingandHeating受潮、受熱險(xiǎn)(9) BreakageofPacking包裝破裂險(xiǎn)(10) RiskofRust銹損險(xiǎn)InquiringaboutInsuranceInformationDearSirs,Re:InquiringaboutInsuranceInformationWeshallhaveaconsignmentof5,000StereoSetsassembledhereinShanghaiElectronicFactorywithcomponentsandauxiliarymaterialssuppliedbyAdlarElectronicsInc.Hongkong,valuedatUS$XXX,tobeshippedfromShanghaiChinatoXXX(Rotterdam)andwishtohavethisconsignmenttobeinsuredbyyourCompany.Thereforewearewritingtoenquireaboutthetermsandconditionsofdifferentkindsofinsurance.Wewouldappreciateyoursendingusallofyourinformationandquotingusyourpresentinsuranceratesfordifferentkindsofinsuranceatyourearliestconvenience.Trulyyours,Notes:1).辦理保險(xiǎn)：Arrange/cover/effect/provide/takeoutinsurance2).Insurance用法：表示所保貨物，+on：~on100m/tofrice投保的險(xiǎn)別,+against:~againstAllRisks保額,+for:~for120%oftheinvoicevalue

保險(xiǎn)費(fèi)/費(fèi)率,+at:~attherateof5%向保險(xiǎn)公司投保，+with:~withthePICC3).與insurance搭配的N詞組：Insuranceagent/amount/policy/certificate/coverage/declaration/claim保險(xiǎn)代理人

/金額/單（正式）

/憑證或收據(jù)/

范圍

/聲明書/索賠Ⅰ.ArrangementofInsurances辦理保險(xiǎn)KeysentencesToinsureWPA(FPA)

投保水漬險(xiǎn)（平安險(xiǎn)）請?jiān)谀闾幫侗Ｆ桨搽U(xiǎn)。PleaseinsureFPAatyourend.按CIF價(jià)出售，我們一般投保水漬險(xiǎn)。WegenerallyinsureWPAonCIFsales.2.Toinsure(cover)…against

投?！U(xiǎn)我們已將貨物投保一切險(xiǎn)。WehaveinsuredthegoodsagainstAllRisks.3.Toeffect（arrange,cover,takeout）insurance投保我們愿代你方投保。Wewilleffectinsuranceonyourbehalf.由于我方是按CIF價(jià)訂貨的，應(yīng)由你方投保AsourorderwasplacedonCIFbasis,theinsuranceistobearrangedbyyou.4.Tocover(insure)sb.onsth.

為…投保請為我們投保下列貨物。Pleaseinsureusonthefollowinggoods.5.Toinsure…for…按…金額投保我們將按發(fā)票110%投保此貨物。Weshallinsurethegoodsforthe110%oftheinvoicevalue.我們希望你方按發(fā)票金額加10%投保。

Wewishyoutoinsurethegoodsfortheinvoicevalueplus10%.6.Toinsure…with…

向…投保…由賣方按發(fā)票金額110%向中國人民保險(xiǎn)公司投保一切險(xiǎn)。InsuranceistobeeffectedbythesellersagainstAllRisksFOR110%oftheinvoicevaluewiththePeople’sInsuranceCompanyofChina.

ClaimLetters

Aclaimorcomplaintletterisarequestforanadjustment.Makingcomplaintsisneverapleasantbusiness,butwhenacomplaintisnecessaryitshouldbemadewithtactandrestraintifitisnottoimpairfuturebusinessrelations.Besuretheclaimisaccurateandreasonable.DearSirs,Re:ClaimingonPoorQualityWithreferencetoyourS/CNo.XXXforXXXm/t’sofwheat,shippedperSS“QueenVictoria”anddischargedattheDestinationPortXXX,wefeelregrettabletoinformyouthatafterinspection,wefoundaboutXXofthewheatbagswereaffectedwithdamp,andXXofthemevenwentmoldy,we,therefore,arecompelledtolodgeourclaimswithyouasfollows:Inordertosupportourclaims,weenclosehereinonecopyofInspectionCertificateNo.XXXtogetherwithourStatementofClaims

amountingtoUS$XXX.Weareconfidentthatyouwouldgiveourclaimyourmostfavorableconsiderationandmakeyourpromptsettlementasearlyaspossible.Trulyyours,Notes1).claim用法：表示對(duì)貨物索賠，+on：~claimonthegoods對(duì)貨物提出索賠表示向某人索賠,+against:~claimagainsttheunderwriters向保險(xiǎn)商索賠表示索賠的原因+for:~claimfordamage因損壞提出索賠表示索賠的金額+for:~claimforUS$100索賠100美元2)和Claim連用表示“提出索賠”的詞組有：lodgeaclaim,registeraclaim,fileaclaim,raiseaclaim和Claim組成的動(dòng)詞詞組：acceptaclaim同意索賠admitaclaim同意索賠entertainaclaim受理索賠dismissaclaim駁回索賠rejectaclaim拒絕索賠relinquishaclaim撤回索賠settleaclaim解決索賠waiveaclaim放棄索賠CaseStudy1Planyourletterofclaimasfollows:

1.Beginwithafactualdescriptionoftheproblem.

2.Stateclearlyyourreasonsforcomplaining,askforexplanationandexplainwhatadjustmentyouseek.

3.Refertotheinconveniencecausedandsuggesthowmatterscouldbeputright.

4.Concludebyexpressingconfidenceintheexpectationofafavourableandhelpfulreply.AdjustmentLetters

Anadjustmentisaremedytoaclaimproblem.Yourresponsetoaclaimmaybepositiveornegative.PositiveReplies

(casestudy1)Specificallyyoucanorganizeyourletterthefollowingway:

1.Givethegoodnewsfirstortrytogetinstepwithyourreader,thankinghimorherforhisorherthoughtfulnessoragreeingwithoneofthewriter’scomments.

2.Explainthemistake.Don’tblameemployees;don’tpromiseitwon’thappenagain;don’tsayitwasboundtohappen.Justgiveadetailedexplanationofthem