UnitFourteenInsurance(保險(xiǎn))ObjectivesIntroductionNewWords&Expressions

ExercisesKeystoExercisesObjectivesUnitFourteenInsurance(保險(xiǎn))1.保險(xiǎn)在外貿(mào)業(yè)務(wù)中的重要性

2.國(guó)際貿(mào)易中的主要險(xiǎn)種

3.涉及保險(xiǎn)的商業(yè)信函的撰寫通過(guò)本章的學(xué)習(xí)，幫助學(xué)生掌握:IntroductionNecessitiesofinsuranceininternationaltradeTospreadthefinanciallossesoftheinsuredmembersoverthewholeoftheinsuringcommunitybycompensatingthemisfortunefewfromthefundbuiltupfromthecontributionsofallmembers.Today,insuranceisaformofintangibletradewhichhelpsourcountrytoaccumulateforeignexchange.Businessmenshouldhaveathoroughknowledgeofitandtheabilitytohandleitsproblemstowinoverthebusinessofinsurance.UnitFourteenInsurance(保險(xiǎn))IntroductionMaintypesofinsuranceininternationaltradeHookDamage

鉤損險(xiǎn)RiskofOdor

串味險(xiǎn)RiskofRust

銹損險(xiǎn)Sweating&HeatingRisk

受潮受熱險(xiǎn)RiskofShortage

短量險(xiǎn)WarRisk

戰(zhàn)爭(zhēng)險(xiǎn)RiskofLeakage

滲漏險(xiǎn)Pilferage&Theft

偷竊險(xiǎn)LossorDamageCausebyBreakageofPacking

包裝破裂險(xiǎn)AllRisks

一切險(xiǎn)

UnitFourteenInsurance(保險(xiǎn))IntroductionLettersconcerninginsurancecanbewritteninthefollowingstructure:Putforwardtheproblemofinsuranceinapositiveway.Statewhichkindofinsuranceisdesiredandprovidethereaderwithconvincingandspecificreasons.Expressexpectationsforanearlyreplyorcooperation.

UnitFourteenInsurance(保險(xiǎn))UnitFourteenInsurance(保險(xiǎn))敬啟者：

事由：我方105號(hào)定單你方005號(hào)銷售合同下的400箱電子玩具請(qǐng)查閱我方第105號(hào)訂購(gòu)400箱電子玩具的定單。你方會(huì)發(fā)現(xiàn)此定單是按成本加運(yùn)費(fèi)訂購(gòu)的。我們現(xiàn)在想在你地投保，故請(qǐng)按發(fā)票金額加10%。即20萬(wàn)美元代我方對(duì)此投保綜合險(xiǎn)。收到你借方結(jié)帳單后，我方即將保險(xiǎn)費(fèi)付給你們。如你方愿意，亦可開(kāi)具即期匯票，向我方收款。誠(chéng)盼能夠得到你方的同意。

謹(jǐn)上

SampleLetterⅠUnitFourteenInsurance(保險(xiǎn))敬啟者：

事由：附加破損險(xiǎn)我們查閱了你方為長(zhǎng)城牌瓷磚所開(kāi)具的202號(hào)信用證，這張信用證我們剛剛收到。請(qǐng)注意我們對(duì)這種貨物不投破損險(xiǎn)。因此，請(qǐng)?jiān)谛庞米C中把破損險(xiǎn)從保險(xiǎn)條款中刪掉。另外，我們要指出，像門窗玻璃、陶瓷等物品，即使投了破損險(xiǎn)，也有5%的免賠率。換句話說(shuō)，如果貨物的破損損失低于5%，將得不到任何賠償。相信我們的觀點(diǎn)已經(jīng)表達(dá)的非常清楚，請(qǐng)立即將更正后的信用證傳真過(guò)來(lái)。

謹(jǐn)上SampleLetterⅡ敬啟者：

對(duì)你方3月4日來(lái)信中有關(guān)保險(xiǎn)問(wèn)題的回復(fù)可以接受你方顧客的要求，將貨投保到內(nèi)陸城市，額外保費(fèi)由你方顧客負(fù)擔(dān)，我們不能同意你的按發(fā)票價(jià)值的120%投保的要求因?yàn)楹贤?guī)定保費(fèi)為發(fā)票價(jià)值的110%我們相信上述信息能夠使你們滿意?；菖卧鐝?fù)。

謹(jǐn)上SampleLetterⅢUnitFourteenInsurance(保險(xiǎn))NewWords&Expressions1. 與insurance有關(guān)的一些短語(yǔ)

(1)與on連用，表示投保的貨物：insuranceon 100tonsofcotton (2)與against連用，表示投保的類別：insurance againstwarrisk (3)與at連用，表示保費(fèi)或費(fèi)率：insuranceat therateof10%,insuranceatalower premium (4)與with連用，表示向保險(xiǎn)公司投保： insurancewithXinhuaLifeInsurance CompanyofChinaUnitFourteenInsurance(保險(xiǎn))NewWords&Expressions2. on…basis…

與之相關(guān)的短語(yǔ)有：onthebasisof,bebasedon,base…on… ReferenceistomadetoourorderNo.213covering300setsofsewingmachines,whichisplacedonCFRbasis.

請(qǐng)參看我們213號(hào)定單下的300臺(tái)洗衣機(jī)，這是以成本加運(yùn)費(fèi)為基礎(chǔ)的。UnitFourteenInsurance(保險(xiǎn))NewWords&Expressions3. approvev.i.批準(zhǔn)、贊成，與介詞of連用

OurcompanyhasapprovedoftheinsurancerateyouofferedinyourletterofMay5th.

我公司已批準(zhǔn)你方在5月5日來(lái)函中所報(bào)保險(xiǎn)費(fèi)率。

Weareeagertoknowifourofferhasbeenapprovedbyyourfirm.

我方急于知道我們的報(bào)價(jià)是否得到貴方批準(zhǔn)。UnitFourteenInsurance(保險(xiǎn))NewWords&Expressions4. referto談到，提到

We‘dliketoreferyoutoourreplyofAugust29th,inwhichwehaveclearlystatedourinsurancepolicy.

提請(qǐng)你們參看我方8月29日回函，在回函中我們已清楚地解釋了我方的保險(xiǎn)政策。

Astotherate,youcanrefertotheofficialdocumentsofPICC.

至于費(fèi)率，你們可參看中國(guó)人民保險(xiǎn)公司的正式文件。UnitFourteenInsurance(保險(xiǎn))NewWords&Expressions5. besubjectto受約束，受控制

Theratenowbeingchargedbyusfortheproposedshipmentagainstallriskswillbe10%subjecttoChinaInsuranceClauses.

按照中國(guó)保險(xiǎn)條款，我方對(duì)投保一切險(xiǎn)的貨物收取的費(fèi)率是10%。

Whatweshouldliketopointouthereisthattheagreementreachedbetweenusissubjecttothefurtherinstructionsfromourheadquarter.

需要指出，我們所達(dá)成的協(xié)議應(yīng)以我方總部的進(jìn)一步指示為準(zhǔn)。UnitFourteenInsurance(保險(xiǎn))NewWords&Expressions6. amendmentn.修改，修正

Anyamendmentinthecontractcanbeonlymadeafterhavingtheconsentofthetwopartiesconcerned.

只有在雙方同意的情況下才可對(duì)合同內(nèi)容做出修改。

Withregardtothepresentpricelevel,weproposedanamendmentinthecontractwesignedonMay1st.

鑒于目前的價(jià)格水平，我們建議對(duì)5月1日的合同內(nèi)容進(jìn)行修改。UnitFourteenInsurance(保險(xiǎn))NewWords&Expressions7. onconditionthat如果，在……條件下

WeacceptyourofferonconditionthatthetimeofshipmentisMay.

我方接受你方報(bào)盤，但以裝運(yùn)期5月為條件。

Ourcustomersagreetoplaceordersimmediatelyonconditionthatyouallowthemadiscountof4%.

如果能給予4%的折扣，我方客戶們同意立即訂購(gòu)。UnitFourteenInsurance(保險(xiǎn))NewWords&Expressions8.premiumn.保險(xiǎn)費(fèi)

premiumloan 保險(xiǎn)借款

premiumtariff 保險(xiǎn)費(fèi)率表

premiumnote 保險(xiǎn)費(fèi)付款期票

UnitFourteenInsurance(保險(xiǎn))

ExerciseⅠ

ExerciseⅡ

ExerciseⅢ

ExerciseⅣ

ExerciseⅤExercisesUnitFourteenInsurance(保險(xiǎn))ExerciseⅠTranslatethefollowingtermsandexpressionsA.IntoChinese:1.heabsenceof4.inotherwords5.subjectto6.afranchiseshop7.ship...inbulk8.riskofshortage9.riskofleakage10.serveyourpurpose

UnitFourteenInsurance(保險(xiǎn))ExerciseⅠTranslatethefollowingtermsandexpressionsB.IntoEnglish:1.一切險(xiǎn)2.水漬險(xiǎn)3.平安險(xiǎn)4.額外保險(xiǎn)費(fèi)率5.保險(xiǎn)費(fèi)率6.免賠率（額）7.明確指示8.慣例9.特殊附加險(xiǎn)10.淡水雨淋險(xiǎn)UnitFourteenInsurance(保險(xiǎn))ExerciseⅠ1.Inparticularwewishtoknowwhetheryoucanissueaspecialrate

return

thepromiseofregularmonthlyshipment.2. Asshipmentisdueto

begin

14thMarch,pleaseletushaveyourquotationbyreturn.3.

whattermswillyoubegladtoarrangeanallriskspolicyforus?Theinvoicedvalueoftheconsignment,

thefreightandcommission,is$2,500.5. Wearepleasedtonotethatyouarereadytoinsure

usashipmentofChineseporcelainfromShanghaitoSydneybysea.UnitFourteenInsurance(保險(xiǎn))ExerciseⅠ6. Ifyoufindourrateacceptable,pleasepresentthedetails

yourshipmentsothatwemayissueourpolicyaccordingly.7. Thetermsyouquoteforanopenpolicyof1,200coveringallriskswillapply

ourconsignmentontheroutesnamed.8. Wethankyouforyourreply

ourinquiryofApril29.Ifyoucankindlyarrangetoinsurethesame

ourbehalf

AllRisksweshallbegreatlyobliged.10.

theordinarycircumstance,nolossortheftofsuchmerchandiseasmildsteelislikelytooccurduringtransportation.UnitFourteenInsurance(保險(xiǎn))ExerciseⅡ1.Weshallprovidesuch

atyourcost.2.Pleasearrangetosupplytheseand

toouraccount.3.Ourclientsrequesttheirordertobe

againstallrisksandwarrisk.Pleasearrangefortheinsurancecoveraccordingly.4.Pleaseholdusforthe

referredtobelow.5.Wewill

insurancecoverageonyourbehalf.UnitFourteenInsurance(保險(xiǎn))ExerciseⅡ6.Pleaseinsureat

valueplus10%.7.Weshall

insuranceatthisendunderourOpenPolicy.8.Thecoverageisfor110%ofinvoicevalueuptotheportof

.9.InsuranceCertificatewillfollowassoonaswereceiveitfromthe

.10.Asthe

varieswiththeextentofinsurance,extrapremiumistobecovered.UnitFourteenInsurance(保險(xiǎn))ExerciseⅣTranslatethefollowingsentencesintoEnglish:1.我們得知我方電腦運(yùn)往紐約的一切險(xiǎn)費(fèi)率為1.5%。能否在別處以更合理的費(fèi)率投保？2.此費(fèi)率為本地所有的大保險(xiǎn)商所普遍接受。3.茲告知此險(xiǎn)別可以投保，但保費(fèi)略高。4.如果你們想按發(fā)票金額的130%投保，我們可以辦理，但要收額外的保險(xiǎn)費(fèi)。5.由于戰(zhàn)爭(zhēng)風(fēng)險(xiǎn)增加，戰(zhàn)爭(zhēng)險(xiǎn)的保費(fèi)也提高了很多。UnitFourteenInsurance(保險(xiǎn))ExerciseⅣTranslatethefollowingsentencesintoEnglish:6.請(qǐng)將我方貨物按20000美元的保值投保水漬險(xiǎn)。7.我方要求你方為此批貨物投保罷工、暴動(dòng)、民變險(xiǎn)（Strikes,Riots&CivilCommotions）。8.我們的慣例是按發(fā)票金額的110%投保平安險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)。9.為更好的推銷，我們將免費(fèi)給你方寄送樣品。10.保單是一種契約，是承保人和投保人之間協(xié)議的證明。UnitFourteenInsurance(保險(xiǎn))ExerciseⅣWriteanEnglishletterbasedonthefollowinginformation:買方來(lái)函詢問(wèn)保險(xiǎn)情況,現(xiàn)寫信答復(fù):1.對(duì)于以CIF價(jià)格成交的交易,我方通常向中國(guó)人民保險(xiǎn)公司根據(jù)1981年1月1日的海洋運(yùn)輸公物保險(xiǎn)條款投保一切險(xiǎn)。若買方要求依據(jù)協(xié)會(huì)貨物保險(xiǎn)條款辦理，我方可以照辦但兩者保費(fèi)的差額由對(duì)方支付。2．若買方想要投保附加險(xiǎn)，我方可以代辦，額外保費(fèi)由買方支付。我方將把保險(xiǎn)商出具的保費(fèi)收據(jù)寄給對(duì)方。3．保險(xiǎn)金額通常為發(fā)票金額的110%。如果買方要求增加，可以照辦但額外保費(fèi)也將由買方支付。4．盼對(duì)方寄來(lái)訂單。

UnitFourteenInsurance(保險(xiǎn))

ExerciseⅠ

ExerciseⅡ

ExerciseⅢ

ExerciseⅣ

ExerciseⅤKeystoExercisesUnitFourteenInsurance(保險(xiǎn))ExerciseⅠTranslatethefollowingtermsandexpressionsA.IntoChinese:1.為答復(fù)2.關(guān)于保險(xiǎn)3.在沒(méi)有……的情況下4.換句話說(shuō)，也就是說(shuō)5.以……為條件，以……為準(zhǔn)6.專賣店7.散裝裝運(yùn)8.短量險(xiǎn)9.滲漏險(xiǎn)10.使你達(dá)到目的，滿足你的要求

UnitFourteenInsurance(保險(xiǎn))ExerciseⅠTranslatethefollowingtermsandexpressionsB.1.AllRisk2.W.P.A.3.F.P.A.4.extrapremiumrate5.insurancepremiumrate6.franchise7.definiteinstructions8.usualpractice9.specialadditionedrisks10.FWRD

UnitFourteenInsurance(保險(xiǎn))ExerciseⅠ1.Inparticularwewishtoknowwhetheryoucanissueaspecialrateinreturnforthepromiseofregularmonthlyshipment.2. Asshipmentisdueto

beginon14thMarch,pleaseletushaveyourquotationbyreturn.3. On

whattermswillyoubegladtoarrangeanallriskspolicyforus?4. Theinvoicedvalueoftheconsignment,includingthefreightandcommission,is$2,500.5. WearepleasedtonotethatyouarereadytoinsurewithusashipmentofChineseporcelainfromShanghaitoSydneybysea.UnitFourteenInsurance(保險(xiǎn))ExerciseⅠ6. Ifyoufindourrateacceptable,pleasepresentthedetailsof

yourshipmentsothatwemayissueourpolicyaccordingly.7. Thetermsyouquoteforanopenpolicyof1,200coveringallriskswillapplytoourconsignmentontheroutesnamed.8. WethankyouforyourreplytoourinquiryofApril29.9. IfyoucankindlyarrangetoinsurethesameonourbehalfagainstAllRisksweshallbegreatlyobliged.10.Undertheordinarycircumstance,nolossortheftofsuchmerchandiseasmildsteelislikelytooccurduringtransportation.UnitFourteenInsurance(保險(xiǎn))ExerciseⅡ1.Weshallprovidesuchcoverageatyourcost.2.Pleasearrangetosupplytheseandchargetoouraccount.3.Ourclientsrequesttheirordertobeinsuredagainstallrisksandwarrisk.Pleasearrangefortheinsurancecoveraccordingly.4.Pleaseholdusfortheconsignmentreferredtobelow.5.Wewillarrangeinsurancecoverageonyourbehalf.UnitFourteenInsurance(保險(xiǎn))ExerciseⅡ6.Pleaseinsureatinvoicevalueplus10%.7.WeshalltakeoutinsuranceatthisendunderourOpenPolicy.8.Thecoverageisfor110%ofinvoicevalueuptotheportofdestination.9.InsuranceCertificatewillfollowassoonaswereceiveitfromtheunderwriter.10.Asthepremiumvarieswiththeextentofinsurance,extrapremiumistobecovered.UnitFourteenInsurance(保險(xiǎn))ExerciseⅣTranslatethefollowingsentencesintoEnglish:1.WehavelearnedthattherateforAllRisksinsuranceonthecomputersconsignedtoNewYorkis1.5%.Pleaseletusknowwhetherwecancoverinsuranceelsewhereatamorereasonablerate.2.Thisrateisgenerallyadoptedbyallthelargeunderwritershere.3.Wewouldliketoinformyouthatthisriskiscoverableataslightlyhigherpremium.4.Ifyouwantinsurancetobecoveredfor130%oftheinvoicevalue,wecanarrangethissubjecttoanextrapremium.5.TheinsurancepremiumforWarRiskisincreasingenormouslyduetotheprospectofwar.UnitFourteenInsurance(保險(xiǎn))ExerciseⅣTranslatethefollowingsentencesintoEnglish:6.WerequestyoutocoverWPAonourcargosfortheamountof20,000yuan.7.WewouldlikeyoutoinsureagainstStrikes,Riots&CivilCommotionsontheshipment.8.ItisourusualpracticetocoverinsuranceagainstFPAandWarRiskfor110%oftheinvoicevalue.9.Inordert