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1、Unit 10 Letters of Marine Insurance,BUSINESS LETTERS 商务函电,Contents,Introduction,1,Requesting Insurance,2,Negotiating Insurance Policies,3,Lodging a Claim,4,5,Sum-up,Offering an Insurance Quote,Introduction,买卖双方签订合同后,出口商备货装运。在货物到达买方之前,为了保护商品免遭运输途中各种风险或损失,在货物运输之前,买方(如果合同是以FOB或CFR为基础)或卖方(以CIF为基础)必须对货物向
2、保险公司投保。双方交换一贯的投保惯例。写这类信函时注意遵循有关的保险条款。,写作要点及要求,保险要点开头:1)提及订单或合同项下的货物;正文:2)简要介绍保险及惯常做法;3)指出保险金额、险种、保险费和额外保费、附加险等;结尾:4)期望。,Contents,Introduction,1,Requesting Insurance,2,Negotiating Insurance Policies,3,Lodging a Claim,4,5,Sum-up,Offering an Insurance Quote,1.TEXT,Requesting Insurance,Negotiating Insur
3、ance Policies,Lodging a Claim,Offering an Insurance Quote,Dear Chen bin,Regarding the Order No.52765,the shipping date is approaching rapidly,and we would like to deal with the insurance.As usual,we would like to leave the insurance arrangements to you and shall be pleased if you could have the good
4、s covered against All Risks on our behalf for 110%of the invoice value,i.e.US$8,600.00.The premium is to be charged to us and will be paid on the presentation of the documents to our agent in San Francisco.We hope that this request meets with your approval.Please advise us of the expected arrival da
5、te in San Fancisco.,1.insurance n,the act,business or system of insuring 保险Insurance agent 保险代理人Insurance amount 保险金额Insurance broker 保险代理人Insurance coverage 保险范围V.insure 给以保险，投保（后接货物或险别）Insure on/against 常用表达方式：insure（货物）for（金额）with（保险公司）against（险别）,我们已经与中国人民保险公司将100公吨羊毛按发票金额的110%投保一切险，保险费为3%。We ha
6、ve covered insurance with peoples Insurance Company of China on the 100 metric ton of wools for 110%of the invoice value against All Risks at the rate of 3%.,2.coverage n,the extent of protection afford by an insurance policy 保险范围，承保范围E.g.关于保险，是按发票金额的120%投保至目的港。Regarding insurance,the coverage is fo
7、r 120%of the invoice value up to the port of destination only.V.cover 投保Cover the goods against 投保险别Cover the insurance with 向投保Cover against 投保险,3.premium n,the amount paid for an insurance policy 保险费Premium rate 保险费4.charge v,Charge sb with sth(accuse sb of sth)Charge at sb/sth(rush forward and at
8、tack sb/sth)Charge sb/sth for sth(ask a price)Charge sth up to sb,charge sth up(record sth as a debt to be paid by sb)将某人的欠账记在账上。E.g.please charge these goods up to my account.Charge sb/oneself with sth(give sb/oneself a duty of responsibility)使某人（自己）承担责任或任务E.g.she was charged with an important miss
9、ion.他被委以重任,4.present v,1)present sb with sth;present sth to sb(give sth to sb especially at a ceremony)2)present sb to sb:introduce sb formally,especially to sb of higher rank,status.正式介绍，引荐某人3)present sth for sth;present sth to sb:offer sth for consideration.将某事物提请考虑E.g.He presented his designs for
10、 approval.4)present sth for sth:offer a bill or cheque in order to be paid.提交，交付E.g.The cheque was presented for payment on 21 March.这张支票是在3月21日兑现的。,Dear Ms.Mays,We have received your letter of May 27 in regard to insurance.Now we would like to inform you of the following:Normally we cover insurance
11、 WPA and War Risk in the absence of definite instructions from our customers.If you desire to cover All Risks.We can provide such coverage at a slightly higher premium.As to the insured value,our general practice is to insure at invoice value plus 10%.Any additional premium for insurance coverage ov
12、er 110%of the invoice,if so required,shall be charged to the buyers account.Risks other than All Risks and War Risk can be covered here,and the extra premium will again be borne by the buyer.We hope this information is helpful.Please advise us as soon as possible if you wish us to change the insuran
13、ce coverage on this order.,1.absence n,absence from:being away.E.g.His repeated absence from school is worrying.他一再缺课令人担忧。In the absence of:withoutE.g.In the absence of the manager,I shall be in charge.2.accountFrom all accounts:according to what have been reportedBy ones own account:according to wh
14、at one saysGive a good/poor account of oneself:do/perform well or badlyOn no account/not on any account:not for any reason,On account of sth/on this/that account:because of sthOn ones account:for ones sakeE.g.Dont change your plans on my account.Take account of sth/take sth into account:include sth
15、into ones assessmentTo ones account:one should bear the responsibilityV,account:regard as account to sb for sth:give a satisfactory record of sth.向某人交代 account for sth:explain the reason of sth,3.other than prep,1).especially after a negative:exceptE.g.he never speaks to me other than to ask for som
16、ething.2).Differently from;not E.g.I have never known him behave other than selfishly.我只知道他一向自私。Rather than prep,in preference to sb/sth;instead of E.g.it is management that is at fault rather than the work-force.错在资方而不在劳方。,Dear Claims Manager,We are the holders of Insurance Policy No.A-3425-05 issu
17、ed by your company for tea and tea sets shipped by S.S.Sea Breaze on December 12,2005.we regret to inform you that during the voyage the ship encountered bad weather and the consignment incurred heavy damage.We are therefore lodging a claim against the policy for this damage.We request that you arra
18、nge for your insurance inspector in San Francisco to investigate the damage and forward a copy of his report to us as soon as possible.Please let us know what particulars you need from us when we submit our claim form.We look forward to hearing from you shortly.,1.incur v,cause oneself to suffer sth
19、 bad/bring upon oneself 遭受，蒙受，招致，引起Incur debts 附上债务2.claim n,demand for payment,request 索赔，赔偿要求Lodge a claim against/with sb for/on sth 因某种原因向某人索赔类似的动词还有：file,register,make,raise,issue,lay,render,bring up表示索赔的原因或金额，一般接for表示对某批货的索赔一般接onE.g.我们有权因货物质量低劣向卖方索赔。We are entitled to lodge a claim for the inf
20、erior quality against the seller.,与claim 搭配的短语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Settle a claim 解决索赔Waive a claim 放弃索赔Withdraw a claim 撤销索赔V,to claim from sb for sthTo claim US$1,000 for damageTo claim US$1,000 on the goods,3.arrange v,A
21、rrange for sb/sth to do sth:make sth happenE.g.I have already arranged someone to meet you at the airport.Arrange with sb about sth;arrange with sb to do sth:agree with sb about sth/to do sth 约定，商定E.g.lets arrange a time to hold the next meeting.,Dear Mr.Smith,In response to your inquiry of the 20th
22、 of this month,we wish to quote you the rate of Marine Insurance at 0.315%,ICC(B)including War Risks,on the shipment referred to in your letter.This is an exceptionally low rate,because many of the insurance companies will hesitate to take the risk at any premium whatever,dreading the heavy average
23、to which they are exposed on the South China Sea.We trust you will give us the opportunity to handle your insurance business.,Exercises,1Fill in the blanks with the proper words given:covering against premium coverage insure for bear prestige covered reputation1）Please arrange insurance on the goods
24、 _ All Risks.2）The _ rate for the proposed shipment against WA is 0.7%.3）If a higher percentage is required,we may do accordingly but you have to _ the extra premium as well.4）We usually effect insurance _ 110%of the invoice value.5）Id like to have the insurance _ for 130%of the invoice value.,again
25、st,premium,bear,for,covered,6）The trademark of“Dancing Red Devil fireworks”enjoys high _ in the main markets of Europe and America.7）Our products rank in front in the same field not only for the technologic norm but also the adoptability which bring our company high _ in the line.8）Please _ the arti
26、cle against WPA.9）We regret being unable to comply with your request for _ insurance for 150%of the invoice value.10）We can provide such additional _ at a slightly higher premium.,prestige,reputation,insure,covering,coverage,2.Translate the following sentences into Chinese:,1)Insurance policy or cer
27、tificate settling agents name is to be indicated,any additional premium to cover uplift between 10 and 17%may be drawn in excess of the credit value.2)Insurance policy or certificate covers WPA(or FPA.)and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the peop
28、les insurance company of china dated 1/1/1981.3)The insurance policy is in triplicate covering all risks and war risks including breakage in excess of five per cent on the whole consignment and including w/w up to buyers godown in Penang.,保险单或凭证须表明理赔代理人的名称,保险费如增加10%-17%可在本证金额以外支付。,保险单或凭证根据中国人民保险公司19
29、81年1月1日的海洋运输货物保险条款和海洋运输货物战争险条款投保水渍险(或平安险)和战争险。,保险单一式三份,投保一切险和战争险包括破碎损失,有5%绝对免赔率,按全部货物计算,包括仓至仓条款,负责到买方在槟城的仓库为止。,4)Insurance policy is issued and endorsed to order for the face value of invoice plus 10%with 15 days after arrival of goods at destination,only against FPA and TPND.5）Insurance policy or c
30、ertificate is issued by an insurance co.with WPA clause covering the merchandise for about 10%above the full invoice value including unlimited transshipment with claims payable at Singapore.6)Marine insurance policy includes both to blame collision clauses and fully covers the shipment.,按发票面值加10%投保平
31、安险和盗窃提货不着险,货物到达目的地后15天有效,保险单开给或背书给,由保险公司签发的保险单或凭证按发票总金额另加10%投保水渍险,包括非限定转船的损失,在新加坡赔付。,海运保险单包括负责船舶互撞条款和全部货载。,7)Shortage is included in weight in excess of 0.5%(with 0.5%franchise)on the whole consignment.8)Please insure WPA&risk of fire for 60 days in customs warehouse after discharge of the goods at
32、port of destination subject to CIC 9)This insurance must be valid for a period of 60 days after arrival of merchandise at inland destination.10)Insurance policy or certificate covers FPA including the risk of war and risks of SRCC as per ICC.datedand institute war clauses datedand institute SRCC.cla
33、uses dated,包括短量损失有0.5%绝对免赔率(0.5%相对免赔率),按全部货物计算。,按照中国保险条款投保水渍险和火险,在目的港卸货后存入海关仓库60天内有效。,本保险在货物到达内地的目的地后60天有效。,按照年月日伦敦保险学会条款和年月日学会战争险条款以及年月日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险。,3.Translate the following letter into English:,敬启者：关于我方购货确认书356号项下的5,000件木制玩具，现通知你方，我们已由中国银行开立了第56号保兑的、不可撤销的信用证。请注意上述货物必须在31前到达我方
34、港口。保险须按发票金额的110%投保一切险和战争险，额外的保险费由我方负担。我方等候你方的装船通知。谨上,Dear Sirs,Referring to 5000 pieces wooden toys under our S/C No.356,we are informing you that we have opened confirmed irrevocable L/C with Bank of China.Please note that the above shipment should be at our port before 31th.Insurance is to be cove
35、red for 110%invoice value against all risks and war risk.Extra premium is for our account.We are waiting for your shipping advice.Yours faithfully,Supplementary Reading,Specimen 1 Insurance Practice,Specimen 2 Reply to the above,Dear Sirs,We acknowledge the receipt of your letter dated June 15th,inq
36、uiring about the insurance on the above-mentioned order.As to the goods sold on CIF basis,we would say,our company will insure against ALL Risk and War Risk for 110%of the invoice value.If you want to insure broader coverage,the extra premium involved will be for buyers account.When the goods are de
37、livered to the consignees warehouse at the destination named in the policy,the insurance shall terminate.It should be noted that the cover is limited to 60 days upon discharge of the insured goods from seagoing vessel at the final port of discharge before the insured goods reach the consignees wareh
38、ouse.,Should any damage to the goods occur,a claim may be filed with the insurance agent of PICC at your end,who will undertake to compensate you for the loss sustained.The claim shall be submitted as promptly as possible.Claims against the ocean carriers usually become time-barred one year after di
39、scharge of the cargo from the seagoing vessel.The PICC enjoys a high prestige.The principal perils which the basic marine policy of the PICC insures against under its Ocean Marine Cargo Clauses are:FPA,WPA and all risks.For further particulars please contact the picc or its agent at your end.Your fa
40、ithfully,Chinese Version,信件一 敬启者:你方6月15日询问上述订单保险的信函收悉。对于按CIF条件出售之货物，我公司将按发票金额110%承保一切险和战争险。你方如要投保更多险别，所需额外保险费用由买方负担。货物抵达保险单指定的目的地并送交收货人后，保险即告终止。请注意，被保货物在终点卸货港，从海轮上卸下至货到收货人仓库这段时间内，保险责任期为60天。如果货物发生损坏，可向你处中国人民保险公司代理提出索赔，他们将负责赔偿你方所遭受的损失。保险索赔应尽快提出。向远洋承运人提出的索赔，在货物从远洋轮上卸下后一年内有效。中国人民保险公司享有很高声望。根据该公司海洋运输货物保险
41、条款，其海洋运输保险单所承包的主要险别有：平安险、水渍险和一切险。欲了解详情，请与中国人民保险公司或与该公司在贵地的代理人联系。谨上,Dear Sirs,We have received your fax dated April 20 requesting us to have the goods insured for 150%of the invoice value.Since the business is concluded on CIF basis we usually insure shipments with the PICC for the invoice value plus
42、 10%and cover All Risks.If you want to have the goods insured for 150%of invoice value we can do it for you but the premium for the difference between 150%and 110%of the invoice value should be borne by your company.Waiting for your early reply.Yours faithfully,信件二 敬启者：贵司4月20日要求我司按发票金额另加50%给货物投保的来函收
43、悉。由于该笔生意是以CIF价成交的，按惯例，我们将按发票金额加成10%向中国人民保险公司投保一切险。如果你方要求按发票金额的150%投保，我司可代为办理；但是，发票金额的110%和150%之间的差额保险费由贵公司承担。早复为盼 谨上,2.Arm yourself,1.insurance n.the act,business or system of insuring 保险 arrange,effect,provide,take out,cover,attend to insurance 投保，办理保险 insurance agents 保险代理人 insurance amount 保险金额 i
44、nsurance broker 保险经纪人 insurance coverage 保险范围 v.insure 给以保险,投保(后接货物或险别)insure on/against 等介词 常用的表达方式：insure(货物)for(金额)with（保险公司）against（险别）e.g.我们已与中国人民保险公司将100 公吨羊毛按发票金额的110%投保一切险，保险费用为3%。Weve covered insurance with Peoples Insurance Company of China on the 100 metric ton of wools for 110%of the inv
45、oice value against all risks at the rate of 3%.,insurance clause保险条款 insurance slip 投保单 insurance policy保险单保险单的种类：Insurance Policy 保险单 Insurance Certificate 保险凭证 Open Policy 预约保险单、开口保险单 Combined certificate 联合凭证 Endorsement 保险批单 Cover Note/slip 暂保单/承保条vi.insure insure the goods against insure riskvt
46、.insure against.(except FPA,WPA)e.g.我们通常对出口货物按发票金额的130%向中国人民保险公司投保一切险。We generally insure our export shipment for 130%of its invoice value with the PICC against all risks.the insurer 保险人 the insured被保险人,2.all risk 两种最主要的保险条款，一个是ICC,英国伦敦保险协会制定的“协会货物保险条款”，另一个是 CIC,即中国保险条款。该条款是由中国人民保险公司制订，中国人民银行及中国保险监督
47、委员会审批颁布。根据C.I.C.保险条款，海洋保险基本险别有三种：即(1)free from particular average(F.P.A.)平安险。(2)with particular average(W.A.)水渍险（基本险）。(3)all risk 一切险（综合险）。,中国人民保险公司（PICC）承保的险别有：基本险别，即FPA(平安险),WPA(水渍险),All Risks(一切险)和附加险。常见的一般附加险（general additional risk）和特殊附加险(special additional risk)有：general additional risk:Theft,
48、Pilferage&Non-delivery Risks(TPND)偷窃、提货不着险 Fresh and/or Rain Water Damage Risks 淡水雨淋险Shortage Risk 短量险Inter-mixture&Contamination Risks 混杂、玷污险Leakage Risk 漏损险Clash&Breakage Risks 碰损、破碎险 Taint of Odor Risk 串味险Sweating&Heating Risks 受潮受热险Hood Damage Risk 勾损险 Rust Risk 锈损险Breakage of Packing Risk 包装破裂险
49、Special additional risks:Failure to delivery 交货不到险Import Duty Risk 进口关税险On Deck Risk 舱面险 Rejection Risk 拒收险Strike,riot and civil commotion(SRCC)罢工、暴动、民变险Contingency insurance“cover sellers interest only”卖方利益险Aflatoxin risk 黄曲霉素险 War Risk.战争险,3.coverage n.the extent of protection afforded by an insur
50、ance policy 保险范围，承保险别e.g.关于保险，是按发票金额的120%投保至目的港。Regarding insurance,the coverage is for 120%of the invoice value up to the port of destination only.v.cover 投保 cover the goods against 投保险别 cover the insurance with 向投保 cover against 投保险,v.cover 投保e.g.保险由卖方按发票金额的130%投保平安险和破碎险。Insurance is to be covered
