商務(wù)英語(yǔ)聽(tīng)說(shuō)教程下unit8InsurancePre-listening

Discussthefollowingquestionsingroupoffourandreporttheanswerstothewholeclass.1.“Ininternationaltrade,cargosaregenerallycarriedbyshipsfromasellertoabuyer.”Can

youtellthemeaningoftheterm“cargo”inthisstatement?Possibleanswerfromstudents:“cargo”referstothegoodscarriedbyaship.Theteachercanaddthatitreferstothegoodscarriedbyaship,anaircraft,oravehicle.2.PleasematchtheitemsinColumnAwiththeircorrespondingitemsinColumnB.I’llinsurecargoscarriedby

.Pre-listening

3.FreefromParticularAverage(FPA),WithParticularAverage(WPA),AllRisks,andAdditional

Risks(includingGeneralAdditionalRiskandSpecialAdditionalRisk)arethemajortypesof

marineinsurancecoverageofChinaInsuranceClause.1)Comparethecoverageofthefollowingpairsofinsurancetypes.Usesign>tostand

for“coversmorerisksthan”,anduse<for“coverslessrisksthan”.FPA

WPA,WPA

AllRisks,AllRisks

FPA2)Judgewhichofthefollowingtypesofcoveragearepossibleandwhichare

impossible.WriteTforbeingpossibleandFforbeingimpossible.a.()FPAb.()WPAc.()AllRisksd.()FPA+WPAe.()FPA+AllRisksf.()WPA+AllRisksg.()FPA+WPA+AdditionalRisksh.()FPA+GeneralAdditionalRiski.()WPA+GeneralAdditionalRiskj.()AllRisks+GeneralAdditionalRisk

<

<

>TTTTTFFFFFListening

PartA-Task1ConversationL:Hello.HowcanIhelpyou,sir?W:Yes.Iwouldappreciateifyoucouldexplainyour

.L:It’smygreatpleasure.Cargoinsuranceisoneofthemajoritemsofourcompany.We

have

.Whichtypeareyouinterestedin?W:Whatcoveragedoesyourmarineinsuranceprovide?L:Wecaninsureyourconsignmentwiththreebasiccovers,namely,

,whichisoftennamedasFPA,

,

alsocalledWPA,and

.W:AllRisksisthebroadestkindofcoverage,isn’tit?L:Yes.Lossesoccurredatanytimeduringthetransportationand

areallincludedinit.W:Isee.ThenwhatarethedifferencesbetweenFPAandWPA?L:FPAcoversyouagainst

consignment.AsforWPA,besidesFPA,it

alsocovers

inallcases.W:ThenWPAisbroader.Well,actually,I’mthinkingabouttoinsureabatchofclothesto

beshippedtoNewZealand.WhatcoveragedoyousuggestIshouldget?L:Allright.Let’stalkaboutitindetail.ButpleasehaveacupofcoffeefirstandthenI’ll

showyoutheclauses.clausesofcargoinsuranceoverlandcargoinsurance,marineinsurance,andairtransportinsuranceFreefromParticularAverageWithParticularAverageAllRisksGeneralAdditionalRiskatotallossofpartiallossPartA-Task2Conversation1.Listentothemonologueonceandanswerthefollowingquestions.a.Whatarethefunctionsofcargoinsurance?Cargoinsurancemaycoverphysicaldamagetoorlossofgoodsintransitandoffercostadvantages.b.Whymanypeopledon’twanttopurchasecargoinsurance?

Becausetheyregarditasanunnecessaryexpenseinvovingextraadministration.c.WhatisthenameoftheChineseinsurancecompanymentionedbythespeaker?

People’sInsuranceCompanyofChina.PartA-Task2Conversation2.Listentothemonologueagaindecidewhetherthefollowingstatementsaretrueorfalse.

WriteTforTrueandFforFalse.()Moreandmorepeopleprotectagainstriskstogoodsbypurchasingcargoinsurance.()ThespeakerintroducedfourbasictypesofcoverageofPICC.()ThefullnameofFPAisFreefromPartialAverage.()FPArecoversatotallossofgoodsbecauseofperilsofsea.()WPAisFPAplusAdditionalRisks.()WPAisFPAplusprotectionagainstpartiallossduetoheavyweather.()AllRisksevenadmitslossoccurredduringtransitfromlandtotheseaport.()RiskoffreshwaterhastobespecificallyappliedforwhenyoubuyWPA.TTTTTFFFUsefulSentencesorExpressionsBelowaresomeusefulsentencesandexpressionswhichcanbeusedintalkingaboutinsurance.MakinginquiriesaboutinsuranceCanyouexplaintheclausesof…?Whichhasabroadercoverage?Whatarethedifferencesbetween…and…?Whatcoveragedoyouprovideformyconsignment?WhatcoveragedoyousuggestIshouldtakeout?OurbusinessisontheCIFbasis.Whatcoveragewillyoutakeoutforthegoods?DoyoucoverrisksotherthanWPA?Whichpartywillpayforthisadditionalrisk?Howisthepremiumcalculated?Howaboutthepremiumrates?PartA-Task2ConversationIntroducingtheinsuranceclauses…insuranceisoneofthemajoritemsofourcompany.FPAcoversyouagainstatotallossofyourconsignment.WhileWPAcovers…FPAisnotenoughforashipmentof…AdditionalRiskshavetobespecificallyappliedfor.Thisadditionalriskwillsubjecttoanadditionalpremium.Premiumratesvarywithtypesofcoverage,typesofrisk,destinations…TheratefortheRiskofBreakageis…percentage.Generallyspeaking,thiskindofinsuranceiscoveredonlyuponthebuyer’sequest.Youcanreadthedetailsinthepolicyformfor…Ourinsurancecoverageisusuallyfor110%oftheinvoicevalue.PartA-Task2ConversationPartA-Task3Follow-upThinkofaproductyouwanttoinsure.Makeaconversationinpairs.StudentAistheinsurancebuyerandStudentBistheunderwriterofCoverAllInsuranceCompany.StudentAshouldaskfortheinformationofinsurancetypesandsuggestionsfromstudentB.StudentBshouldexplainandsuggest.Youmayusethesentencesandexpressionsabove.PartB-Task1VocabularyBuildingFindoutandwritedownthemeaningsofthefollowingwords.makingsomethingdirtyorharmfultheamountactuallyinvoicedandchargedinaccordancewithcustommoneypaidtoaninsurancecompanyprotectbyinsuranceevaluateorestimatetheamountofgoodsashipcancarryverysimilarorexactlythesameverycommonandfrequentenoughinquantityorofagoodenoughqualitymuchmorethanisreasonableornecessarysomethingthatinfluenceswhatandhowyoudoPartB-Task2

Conversation1.ListentotheirconversationonceandtickfromthelistbelowtheconcernsofMs.Green.2.Listentotheconversationagainanddecidewhetherthefollowingstatementsare

trueorfalse.WriteTforTrueandFforFalse.()ThebusinessisonFOBbasis.()Ms.Greenhadrequirementsforriskoffreshwaterandriskofcontamination.()Ms.Greenagreedtopayforthedifferencebetween130%and110%oftheinvoicevalue.()Ms.GreenwillbearextrapremiumoftheAdditionalRisk.()Ms.Greendecidedon110%oftheinvoicevalue.()Ms.Greendidn’tacceptWPAastheonlycoverageforhergoods.()Ms.Greendidn’tacceptthewaytocalculateinsurancepremium.TTTFFFFPartB-Task3Monologue1.Aseniorunderwriteristalkingaboutinsurance.Listentothemonologueonceand

decidewhichofthefollowinggivesthegistofthespeech.2.Listentothemonologueagain,fillinginthemissingfactorsandmatchingfactorswith

theircorrespondingexamplesgivenbythespeaker.thedesiredaverageclausesshippingroutestimeofshippingunderwritingexperienceFurtherPracticeActivities

Task1ReadingReadthepassageanddiscussthefollowingquestionswithyourteammates.Questionsfordiscussion:1.WhatarethemajorfactorsfortheunderperformanceofmostforeigninsurancecompaniesinChina?Financialcrisis，lackoflocalization2.WhataretheadvantagesanddisadvantagesofforeigninsurancecompaniesanddomesticinsurancecompaniesinChina?Mostforeigncompanies:ateamofprofessionalstaff,riskmanagementstandards,companygovernance,andproductdevelopment/lackoflocalizationandknowledgeaboutChinesemarketMostChinesecompanies:alargesalesnetworkinthecountry,moreknowledgeaboutthedomesticmarket,bettermarketingcapability/lackofateamofprofessionalstaff,riskmanagementstandards,companygovernance,andproductdevelopment3.CanyouoffersomesuggestionsforthepromotionofforeigninsurancecompaniesinChina?Task2Role-playMr.CooperrequestsaquotationonCIFbasisforabatchofteacups.ButheisnotfamiliarwithinsuranceclausesofPICC.Workinpairs.StudentAactsasMr.CooperandstudentBastheclerkfromthetradingcompany.ExplainrelatedmarinecargoclausesofPICC,answerquestionsofMr.Cooperoncoveragetypesandpremiumrate,andsortouttheappropriatecoverageforthegoods.FurtherPracticeActivities

Task3TeamworkFormteamswith5students.AskthemtoinvestigateeitherbyinterviewinganunderwriterorsurfingtheInternetontypesofcoverageofoverlandcargoinsuranceandthatofairtransportationinsurance.Presentresultsoftheinvestigationtotheclass,comparingwithcoverageofmarineinsuranceifnecessary.WithaccessiontoWTOandgradualopeningofChina’sinsuranceindustrytotheoutsideworld,therehasappearedarapiddevelopmentofforeigninsurancecompaniesinChina.Bytheendof2010,thereareabout46foreignandjointinsurancecompaniesinChina,takingup5.1%ofthelifeinsuranceand1.0%ofpropertyinsuranceofChinesemarketshares,accordingtoasurveybyChinaInsuranceRegulatoryCommission.Thoughtheyaccountforasmallamount,theyhavebeenimprovediftakingtherecentfinancialcrisisintoconsideration.However,mostoftheforeigninsurancecompanieshavenotbeenwellaccustomedtoChinesemarket,especiallythosefromJapanandKorea,saidXuXiaohua,thevicedeanofSchoolofInsurance,CentralUniversityofFinanceandEconomics.Theirseniormanagementstaff