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1、Chapter 12 Insurance,Homework,Dear Sirs,We are very pleased to inform you that we have shipped yourOrder No.573 covering 1,000 sets of MD Brand Microwave Stoveon board s.s.Long March, which is due to sail for your porttomorrow.We hope the above shipment will reach you in good time and inperfect cond
2、ition.Yours faithfully, Tom,Questions,1. How much do you know about insurance?2. Why is it necessary to cover insurance in the foreign trade?3. What do insurance companies do with the premium collected from the insured?,life insurance Personal insurance health insurance (人身保险) personal accident insu
3、rance marine insurance Property insurance cargo transportation insurance （财产保险） and others,In international trade, the transportation of goods from the seller to the buyer is generally over a long distance by air, by land or by sea and has to go through the procedures of loading, unloading and stori
4、ng. During this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses. In order to protect the goods against possible loss in case of such perils, the buyer or seller before the transportation of the goods usually applies to an insurance compa
5、ny for insurance covering the goods in transit.,Insurance premium provides a pool or fund into which the many contribute and out of which the few who suffer loss are compensated.,Terms,Insurer/underwriter: 保险人/承保人The insured/ assured: 被保险人The applicant:投保人Premium 保险费Premium rate 保险费率Insurance policy
6、 保险单,Coverage:险别Average:海损PICC:中国人民保险公司,一、保险常识 1、货物运输保险定义 是指投保人（Insured）在货物装运前向保险人（Insurer）投保，即办理保险手续（Insurance Formalities）、选择保险险别（Coverage）、确定保险金额（Insurance Amount）、支付保险费（Premium）并领取保险单证（Insurance Documents）的过程。此后，如果投保货物在运输中遇险而发生损失，则承保人应负责对投保险别范围内的损失进行经济补偿。,2、保险险别,中国人民保险公司（PICC）制定的中国保险条款（China Ins
7、urance Clauses略称C.I.C.）中的海洋运输货物保险条款 平安险（Free from Particular Average，FPA） 基本险别 水渍险（With Particular Average，WPA） 一切险（All Risks） 一般附加险 附加险别 特殊附加险（War Risks）,3、保险金额,1）FOB和CFR交易，由进口方对货物投保、办理投保手续并支付保险费用。 2）CIF交易，习惯上由出口方按发票金额（Invoice Value）的110%投保一切险（All Risks），即100%是CIF发票总值，10%是合理的利润和其他费用。4、保险费 premium 通
8、常为保险金额的一定比例。 保险费=保险金额保险费率,Risks Covered by Marine Cargo Insurance,Perils of the Sea 海上风险1) Natural Calamities （自然灾害）earthquake, tsunami, flood, heavy weather such as hurricane, thunderstorm, etc.2) Fortuitous Accidents （意外事故）Stranding触礁，grounding搁浅, sunk, collision, fire, explosionExtraneous Risks 外
9、来风险1) General Additional Riskstheft, pilferage, rain damage, shortage, breakage, leakage, etc.2) Special Specific Additional Risksstrike, war, failure to deliver, etc.,Losses,1. Losses due to Marine Perils 海上损失 actual total loss（实际全损） total loss constructive total loss（推定全损） general average（共同海损） pa
10、rtial loss particular average（单独海损）2. Losses due to Extraneous Risks 外来损失,Actual total loss: it means the non-existence of the insured cargo in value.Constructive total loss: its unlikely to recover the subject matter or the cost of recovery will exceed the value of the subject matter.Particular ave
11、rage: it means a loss that is borne solely by the owner of the lost property(ship or cargo).General average: it means a sacrifice made for the common safety of both the cargo and the ship.,Example,Partial damage of cargo by sea water is, for instance, a particular average, while partial damage of ca
12、rgo by water that has been used to put out a fire is a general average since the damage has been made in order to save both the ship and the cargo on board the ship of all the cargo owners.(of course, the damage caused by the fire is still a particular average),Three Basic Coverages,F.P.A. : 平安险 W.P
13、.A.: 水渍险 All Risks: 一切险Note: All Risks W.P.A. F.P.A.,F.P.A. 平安险,Free from Particular Average(F.P.A.):(Literal meaning: not liable for particular average)Extent of coverage: pay claims for total loss and partial loss caused by fortuitous(意外的) accidents such as stranding(触礁),grounding(搁浅), collison(碰撞
14、), sinking, fire, explosion,etc.It doesnt pay partial loss caused by natural calamities.,W.A./ W.P.A. 水渍险,With Average/ With Particular Average:It provides cover against total loss and partial loss due to perils of the sea.,All Risks 一切险,Besides the risks covered by FPA and WA, All Risks also provid
15、es cover against some extraneous risks of loss or damage(esp, general additional risk).Coverage:All Risks= FPA+WPA+General Additional Risk,Extraneous Risks,General Additional Risks: 一般附加险Special Specific Additional Risks: 特别和特殊附加险,General Additional Risks,T.P.N.D.(threft, pilferage and non-delivery)
16、偷窃，提货不着险F.W.R.D.(fresh water and / or rain damage)淡水雨淋险Shortage: 短量险Intermixture and Contamination混杂，玷污险Leakage 渗漏Clashbreakage 碰损，破碎险Taint of odour 串味险Heating sweating 受热，受潮险Hook damage 钩损险Breakage of packing 包装破裂险Rust 锈损险,SpecialSpecific Additional Risks,Failure to Delivery 交货不到险Import Duty 进口关税险O
17、n Deck 舱面险Rejection 拒收险Aflatoxin 黄曲霉素险War Risks 战争险Strike Risks 罢工险,on at against with for1. Id like to talk something about the insurance on our porcelain ware.2. Please note that our insurance coverage is for 110%of the invoice value.3.How about your covering the insurance against All Risks for 12
18、0% of the invoice value with PICC?4. The insurance rate is at a premium rate of 5%.,insurance,At against On for1.We will cover the goods against All Risks.2. We would like to cover W.P.A. on the cargo.3.We will cover insurance on your goods for 110% of the invoice value against All Risks as usual.4.
19、 We can provide such coverage at a slightly higher premium.,cover,Example,我们已经按0.2%的保险费率和发票金额的110%投保1000箱青岛啤酒的一切险。Weve covered insurance on 1000 cases of Qingdao Beer for 110% of the invoice value against All Risks at a premium rate of 0.2%.,Calculation of Premium,Premium = invoice value 110% premium ratee.g. insure bicycles against W.P.A. for110% of the invoice value Total value: $100,000 premium rate: 0.2% premium= ￥220,二、进口方写给出口方请其代办保险的信函的表达方式,三、出口方回复进口方代办请求的信函的表达方式,Thank you for your attention!,
