《商务英语ppt课件资料.ppt》由会员分享，可在线阅读，更多相关《商务英语ppt课件资料.ppt（28页珍藏版）》请在三一办公上搜索。
1、,There is an old chinese saying ,“A storm may arise from a clear sky; Something unexpected may happen any time ”天有不测风云，人有朝夕祸福。,Insurance Contract(保险合同),1.Definition(1)保险合同是投保人与保险人约定保险权利义务关系的协议 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed
2、 by the applicant and the insurer. (2)投保人the applicant 是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。 An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract.,(3)保险人the insurer 是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。An insu
3、rer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits. (4)被保险人the insured 被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人，投保人可以为被保险人。The insured refers to anyone whose property or person is protected by
4、the insurance contract and who is entitled to claim for compensation. An applicant may be the insured.,(5)保险目标The subject matter 保险目标是指作为保险对象的财产及其有关利益或者人的寿命和身体。The subject matter of the insurance refers either to the property of the insured and related interests associated therewith, or to the life
5、and the body of the insured, which is the object of the insurance.(6)保险事故insured event 保险事故是指保险合同约定的保险责任范围内的事故。An insured event refers to an event falling within the scope of cover under the insurance contract.,(7)保险金额the insured sum 保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。The sum insured refers to the maximum
6、amount which the insurer undertakes to indemnify or pay under its insurance obligation(8)保险费the premium 保险费是指投保人向保险人支付的保险合同规定的费用。The premium refers to the charge that the applicant pays to the insurer as specified in the insurance contract.,Risks Coverage （险别）,中国保险条款C.I.CThe China Insurance Clauses
7、(C.I.C) was issued by Peoples Insurance Company of China (PICC) and was modified in 1981.1.1.Nearly all ocean marine cargo insurances procured in China are governed by C.I.C.C.I.C provides both basic risks coverage and additional risks coverage for marine cargo transport.,海洋运输货物保险的基本险(basic risks co
8、verage)有三种。(1)平安险(FPA)：责任范围为自然灾害造成的全部损失或推定全损，船只搁浅、触礁、沉没、互撞、失火、爆炸等意外事故造成的全部或部分损失。Free from Particular Average(2) 水渍险(WA或WPA)责任范围：除平安险的各项责任外，还负责由于恶劣气候等自然灾害造成的部分损失。With Particular Average(3) 一切险(AR)：责任范围为除平安险、水渍险的各种责任外，还负责运输途中因一般外来原因所造成的全部或部分损失，但不是对一切风险造成的损失都赔偿。All Risks,General Additional Insurance 一般
9、附加险,There are several additional insurances as follows:(1)Theft, Pilferage and Non-Delivery(TPND)偷窃提货不着险(2)Fresh Water and Rain Damage淡水雨淋险(3)Risk of Shortage短量险(4)Risk of Leakage渗漏险(5)Risk of Crash and Breakage碰撞、破碎险(6)Risk of Odor串味险(7)Hook Damage钩损险(8)Damage Caused by Sweating and Heating受潮、受热险(9
10、)Breakage of Packing包装破裂险 (10)Risk of Rust锈损险,Inquiring about Insurance Information,Dear Sirs,Re: Inquiring about Insurance InformationWe shall have a consignment of 5,000 Stereo Sets assembled here in Shanghai Electronic Factory with components and auxiliary materials supplied by Adlar Electronics
11、Inc. Hongkong, valued at US $XXX, to be shipped from Shanghai China to XXX (Rotterdam) and wish to have this consignment to be insured by your Company. Therefore we are writing to enquire about the terms and conditions of different kinds of insurance.We would appreciate your sending us all of your i
12、nformation and quoting us your present insurance rates for different kinds of insurance at your earliest convenience. Truly yours,Notes:1). 办理保险： Arrange / cover / effect / provide / take out insurance2). Insurance 用法：表示所保货物，+on： on 100m/t of rice投保的险别, +against: against All Risks保额, +for: for 120%
13、of the invoice value 保险费/费率, +at: at the rate of 5%向保险公司投保，+with: with the PICC,3). 与insurance 搭配的N词组：Insurance agent / amount / policy / certificate / coverage / declaration / claim保险代理人 /金额 /单（正式） /凭证或收据/ 范围 /声明书 /索赔,. Arrangement of Insurances办理保险Key sentences,To insure WPA (FPA)投保水渍险（平安险）,请在你处投保
14、平安险。Please insure FPA at your end.按CIF价出售，我们一般投保水渍险。We generally insure WPA on CIF sales.,2. To insure (cover) against投保险,我们已将货物投保一切险。We have insured the goods against All Risks.,3. To effect（arrange, cover, take out）insurance 投保,我们愿代你方投保。We will effect insurance on your behalf.由于我方是按CIF价订货的，应由你方投保A
15、s our order was placed on CIF basis, the insurance is to be arranged by you.,4. To cover (insure) sb. on sth.为投保,请为我们投保下列货物。Please insure us on the following goods.,5. To insurefor 按金额投保,我们将按发票110%投保此货物。We shall insure the goods for the 110% of the invoice value.我们希望你方按发票金额加10%投保。 We wish you to ins
16、ure the goods for the invoice value plus 10%.,6. To insurewith向投保,由卖方按发票金额110%向中国人民保险公司投保一切险。Insurance is to be effected by the sellers against All Risks FOR 110% of the invoice value with the Peoples Insurance Company of China.,Claim Letters,A claim or complaint letter is a request for an adjustmen
17、t. Making complaints is never a pleasant business, but when a complaint is necessary it should be made with tact and restraint if it is not to impair future business relations.Be sure the claim is accurate and reasonable.,Dear Sirs,Re: Claiming on Poor QualityWith reference to your S/C No. XXX for X
18、XX m/ts of wheat, shipped per SS “Queen Victoria” and discharged at the Destination Port XXX, we feel regrettable to inform you that after inspection, we found about XX of the wheat bags were affected with damp, and XX of them even went moldy, we, therefore, are compelled to lodge our claims with yo
19、u as follows:,In order to support our claims, we enclose herein one copy of Inspection Certificate No. XXX together with our Statement of Claims amounting to US$ XXX.We are confident that you would give our claim your most favorable consideration and make your prompt settlement as early as possible.
20、 Truly yours,Notes,1). claim用法：表示对货物索赔，+on： claim on the goods对货物提出索赔表示向某人索赔, +against: claim against the underwriters 向保险商索赔 表示索赔的原因 +for: claim for damage 因损坏提出索赔表示索赔的金额 +for: claim for US$100 索赔100美元,2)和Claim连用表示“提出索赔”的词组有：lodge a claim, register a claim, file a claim, raise a claim和Claim组成的动词词组：
21、accept a claim 同意索赔 admit a claim 同意索赔entertain a claim 受理索赔 dismiss a claim驳回索赔reject a claim 拒绝索赔 relinquish a claim 撤回索赔settle a claim 解决索赔 waive a claim 放弃索赔,Case Study 1,Plan your letter of claim as follows:1.Begin with a factual description of the problem.2.State clearly your reasons for compl
22、aining, ask for explanation and explain what adjustment you seek.3.Refer to the inconvenience caused and suggest how matters could be put right.4.Conclude by expressing confidence in the expectation of a favourable and helpful reply.,Adjustment Letters,An adjustment is a remedy to a claim problem. Y
23、our response to a claim may be positive or negative.,Positive Replies(case study 1),Specifically you can organize your letter the following way:1.Give the good news first or try to get in step with your reader, thanking him or her for his or her thoughtfulness or agreeing with one of the writers com
24、ments.2.Explain the mistake. Dont blame employees; dont promise it wont happen again; dont say it was bound to happen. Just give a detailed explanation of the mistake.3.Close the letter with a friendly note.,Negative Replies (case study2),Here are some suggestions that may help you write adjustment
25、letters: 1.Begin by making a pleasant opening statement and show your customer that you understand his or her problem and that his or her claim has been carefully considered. Express your concern over the writers troubles and your appreciation that he has written to you. In other words, begin with a
26、 buffer; dont state the refusal right away.2.Explain the reasons why the request cannot be granted in as cordial and noncombative manner as possible.3.Try to offer some partial or substitute compensation or offer some friendly advice (to take the sting out of the denial).4.Conclude the letter cordially, perhaps expressing confidence that you and the writer will continue doing business.,
