国际商务英语函电Unit-11-Insuranc课件.ppt(纯ppt,可能不含音视频素材)
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- 国际 商务英语 函电 Unit 11 Insuranc 课件
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1、Chapter 12 InsuranceHomeworkDear 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 conditi
2、on.Yours faithfully,Tom Questionsv1.How much do you know about insurance?v2.Why is it necessary to cover insurance in the foreign trade?v3.What do insurance companies do with the premium collected from the insured?life insurance Personal insurance health insurance (人身保险)personal accident insurance m
3、arine insurance Property insurance cargo transportation insurance (财产保险)and othersvIn 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 storing.vDuring
4、this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses.vIn 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 company for insur
5、ance covering the goods in transit.vInsurance premium provides a pool or fund into which the many contribute and out of which the few who suffer loss are compensated.TermsvInsurer/underwriter:保险人/承保人vThe insured/assured:被保险人vThe applicant:投保人vPremium 保险费vPremium rate 保险费率vInsurance policy 保险单vCovera
6、ge:险别vAverage:海损vPICC: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 Insurance Clau
7、ses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 通常为保险金额的一定比例。保险费=
8、保险金额保险费率Risks Covered by Marine Cargo InsurancevPerils 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,explosionvExtraneous Risks 外来风险1)General Additional Riskst
9、heft,pilferage,rain damage,shortage,breakage,leakage,etc.2)Special Specific Additional Risksstrike,war,failure to deliver,etc.Losses1.Losses due to Marine Perils 海上损失海上损失 actual total loss(实际全损)total loss constructive total loss(推定全损)general average(共同海损)partial loss particular average(单独海损)2.Losses
10、 due to Extraneous Risks 外来损失外来损失vActual total loss:it means the non-existence of the insured cargo in value.vConstructive total loss:its unlikely to recover the subject matter or the cost of recovery will exceed the value of the subject matter.vParticular average:it means a loss that is borne solel
11、y by the owner of the lost property(ship or cargo).vGeneral average:it means a sacrifice made for the common safety of both the cargo and the ship.ExamplevPartial damage of cargo by sea water is,for instance,a particular average,while partial damage of cargo by water that has been used to put out a
12、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 Coveragesv F.P.A.:平安险v W.P.A.:水渍险v All Risks:一切险Note:All Risks W.P.A.F.P.
13、A.F.P.A.平安险vFree from Particular Average(F.P.A.):(Literal meaning:not liable for particular average)vExtent 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),sinking,fire,explosion,etc.vIt doesnt pay partial los
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