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1、Unit 11,Insurance,Q1:Whats insurance?,Oxford English-Chinese Dictionary:guarantee of compensation for loss,damage,sickness,death,etc.in return for regular payment国际贸易实务：保险是一种经济补偿制度，被保险人向保险人支付一定的保险费，而保险人则对被保险人将来可能遭受的承保范围内的损失负赔偿责任。,Q1:Whats insurance?,Textbook:Insurance provides a pool or fund into wh
2、ich the many contribute and out which the few who suffer loss are compensated.pool:集中在一起的款额，共同储金,Q2:Why do we need insurance in international trade?,In international trade,the goods usually have to be transported for very long distances.During the transportation,the goods may encounter various kinds
3、 of perils and the owner may suffer losses.In order to prevent suffering from losses,before the transportation of goods,the buyer or the seller usually applies to an insurance company for cover of the goods in transit.,As far as foreign trade is concerned,what mainly concerns is still the Marine Ins
4、urance.For sea transportation is the most ancient and economical means of transport,and the Marine Insurance is the earliest developed insurance.,Loss or Damage at Sea,Total Loss,Partial Loss,Actual Total Loss,Constructive Total Loss,General Average,Particular Average,Losses at the Sea,Relative word
5、s and phrases,perils of the sea 海上风险natural calamity 自然风险fortuitous accidents 意外事故extraneous risks 外来风险,险别包括基本险(basic risks)和附加险（additional risks）,Basic Covers against Perils of the Sea,free from particular average(F.P.A.)平安险with(particular)average(W.A.or W.P.A.)水渍险 all risks 一切险,Free from particula
6、r Average(F.P.A.)Insurance,The insurance company will be responsible to pay claims for total or constructive total losses suffered by the whole lot of cargoes during the transportation due to such natural calamities as vile weather,thunder and lightning,tidal wave,earthquakes,and floods,or for total
7、 or partial losses due to the ship or carrier being fire,stranded,sinking,colliding or meeting other fortuitous.,The insurance company will also be responsible,when losses are incurred in the course of loading or unloading,for instance,when one or several whole parcels of the goods are dropped into
8、the sea and are considered lost,or when general average is incurred,i.e.when losses or expenses are incurred in the common interest.平安险不承担单独海损的赔偿，是一种范围较窄的险别，不承担部分海损。只提供类似船只搁浅等实际海损所引起的全损及共同海损的赔偿。,Free from particular Average(F.P.A.)Insurance,With Particular Average(W.P.A.)Insurance,The cover under th
9、is insurance is more extensive.The insurer is liable also for the partial losses of the insured goods due to the risks caused by natural calamities mentioned under F.P.A.insurance.水渍险对整个保险期间内由海难引起的全部损失或损坏提供广泛保险。,All Risks(A.R.)Insurance,Among the three kinds of basic insurance,under an all risks pol
10、icy the goods are insured against all risks,e.g.from natural calamities,fortuitous accidents at sea,or general extraneous risks,irrespective of percentage of loss,total or partial.A natural deterioration of perishable goods,delay,loss or damage caused by inherent vice or nature of the subject matter
11、 are not covered.,一切险承担不管是海难还是一般外来险原因所造成的被保之物的全损或部分损失的赔偿责任。一切险除包括共同海损和单独海损责任外，保险公司对被保险货物在运输途中由于外来原因造成的短少，短量，渗漏，碰碎，钩损，雨淋，生锈，受潮，受热，发霉，串味，玷污等全部或部分损失也负责赔偿。“一切险”是保险上的一个特定名词，不应该认为所有可能发生的危险都已包括在内，比如它就不包括战争险，不合格包装，内在缺点等。,附加险包括：一般附加险（general additional risks）特殊附加险（special additional risks）,general additional
12、 risk,shortage risk 短量险theft,pilferage and non-delivery(T.P.N.D.)偷窃、提货不着险Fresh&/or rain water damage risk 淡水雨淋险leakage risk 渗漏险intermixture and contamination risk 混杂、沾污险,clash and breakage risk 碰损、破碎险breakage of packing risk 包装破损险sweat and heating risk 受潮、受热险rust risk 锈损险taint of odor risk 串味险hook d
13、amage risk 钩损险,general additional risk,war risk 战争险strikes risk 罢工险failure to delivery risk 交货不到险on deck risk 舱面险import duty risk 进口关税险rejection risk 拒收险Aflatoxin 黄曲霉素险,special additional risk,the Peoples Insurance Company of China(PICC)中国人民保险公司China Insurance Clause(CIC)中国保险条款Institute Cargo Clause
14、(ICC)伦敦保险业协会条款,Relative words and phrases,insured amount 保险金额insurance policy 保险单insurance certificate 保险凭证combined certificate 联合凭证open policy 预约保单,Relative words and phrases,1.cover insurance 投保，办理保险2.review:refer sb/sth to sb/sth 将某人或事物提交某人或事物寻求帮助3.on a CFR basis 以CFR方式4.at your end 你处,5.on ones
15、behalf=on behalf of sb6.insure the goods against sth.7.debit note 索款通知,1.effect insurance/effect shipment2.the captioned shipment 标题货物3.for your account 由你方承担、付费e.g.The additional charges will be for buyers account.4.forward=send,1.insurance rate=policy rate=premium rate2.quote us a rate of 向我方报上费率3
16、.to issue a policy,1.in question 有关的，提到的2.declared value 申报金额,1.sign a general policy 签一份普通保单2.together with 连同，与一起3.We shall appreciate it if you could 如蒙，将不胜感激,1.on your instructions 按照你方指示,保险单式样,海洋货物运输保险单Marine Cargo Transportation Insurance Policy发票号码 保险单号次Invoice No Policy NoThis policy of Insu
17、rance witnesses that the Peoples Insurance Company of China(hereinafter called“the Company”),at the request of.(hereinafter called“the Insured”)and in consideration of the agreed premium being paid to the Company by the Insured,undertakes to insure the undermentioned goods in transportation subject
18、to the conditions of this Policy as per the Clause printed overleafend and other special clauses attached hereon.Total amount insured.PremiumRate.Per conveyance S.S.Slg.On or abt.from.to.ConditionsClaims,if any,payable on surrender of this Policy together with other relevant documents.In the event o
19、f accident whereby loss or damage may result in a claim under this policy immediate notice applying for survey must be given to the Companys Agent as mentioned hereunder:Claim payable at.The Peoples Insurance Company of ChinaAddress of Issuing Office Date.,to insure(cover)against Please cover the go
20、ods against All Risks and War Risks.,Useful Expressing,Useful Expressing,look for insurance from向投保We are looking for insurance form your company.to insure with向投保We usually insure with the Peoples Insurance Company of China for the goods sold on CIF basis.,Useful Expressing,cover insurance for/on s
21、th.with(an insurance company)against(some kind of risk)Our clients request you to cover insurance for/on the consignment with PICC against W.P.A.,insure/cover sth.for(amount of insurance value)e.g.We cannot imply with your request for insuring your order for 130%of its invoice value.be covered at(the premium of insurance)e.g.This kind of additional risk is coverable at 0.2%.,Useful Expressing,cover 110%of the invoice value=cover insurance for 110%of the invoice value=insure sth.for invoice cost plus 10%,Useful Expressing,
