国际商务英语函电Unit11Insurance课件.ppt

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

14、s caused by natural calamities.W.A./W.P.A.水渍险vWith Average/With Particular Average:vIt provides cover against total loss and partial loss due to perils of the sea.All Risks 一切险vBesides the risks covered by FPA and WA,All Risks also provides cover against some extraneous risks of loss or damage(esp,g

15、eneral additional risk).vCoverage:All Risks=FPA+WPA+General Additional RiskExtraneous RisksvGeneral Additional Risks:一般附加险vSpecial Specific Additional Risks:特别和特殊附加险General Additional RisksvT.P.N.D.(threft,pilferage and non-delivery)偷窃，提货不着险vF.W.R.D.(fresh water and/or rain damage)淡水雨淋险vShortage:短量险

16、vIntermixture and Contamination混杂，玷污险vLeakage 渗漏vClashbreakage 碰损，破碎险vTaint of odour 串味险vHeating sweating 受热，受潮险vHook damage 钩损险vBreakage of packing 包装破裂险vRust 锈损险SpecialSpecific Additional RisksvFailure to Delivery 交货不到险vImport Duty 进口关税险vOn Deck 舱面险vRejection 拒收险vAflatoxin 黄曲霉素险vWar Risks 战争险vStri

17、ke 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 120%of the invoice value with PICC?4.The insurance rate is

18、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.We can provide such coverage at a slightly higher premium.cover

19、Examplev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。vWeve 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 PremiumvPremium=invoice value 110%premium ratee.g.insure bicycles against W.P.A.for110%of the invoice value To

20、tal 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写作步骤写作步骤 表达方式表达方式（1）说明）说明某合同项某合同项下来函下来函 We wish to refer you to（请参阅（请参阅。）。）We are pleased to inform you that（很高兴告（很高兴告知知。）。）（2）说明）说明所投保的所投保的险别，确险别，确定投保的定投保的金额金额 Please see to it that the insurance is covered for%of the invoice

21、value against（请务必（请务必保证，该批货物投保金额为发票金额的保证，该批货物投保金额为发票金额的%，投，投保险别为保险别为。）。）As we now desire to have the consignment insured at your end,we shall be much pleased if you will kindly arrange to insure the goods on our behalf against at invoice value plus%,amounting to（我方希望在你处投保，如果你方能够代我方按照（我方希望在你处投保，如果你方能

22、够代我方按照发票金额加成发票金额加成%，投保，投保（险别），总计金额（险别），总计金额为为，我方将不胜激。），我方将不胜激。）（3）告知告知保险保险费的费的支付支付办法办法 We shall of course refund the premium to you upon receipt of your debit note.（当然，一收到你方的还款（当然，一收到你方的还款通知，我方立即将保险费退还你方。）通知，我方立即将保险费退还你方。）As we understand that as per your customary practice,you only insure the shipm

23、ent for 10%above the invoice value,the extra premium for additional coverage shall be for our account.（我方（我方知道按照你方的惯例，你方仅对货物发票金额加一成投知道按照你方的惯例，你方仅对货物发票金额加一成投保，而附加险的额外保险费将由我方承担。）保，而附加险的额外保险费将由我方承担。）（4）进一步）进一步提出办理保提出办理保险的要求险的要求 We sincerely hope that our request will meet with your approval.（我方希望此要求能得到

24、你方同意。）（我方希望此要求能得到你方同意。）Please arrange insurance according to our request.（请按我方要求办理投保。）（请按我方要求办理投保。）三、出口方回复进口方代办请求的信函的表达方式写作步骤写作步骤 表达方式表达方式（1）确认对）确认对方方要求办理保险要求办理保险的来函的来函 This is to acknowledge receipt of requesting us to effect insurance on the shipment for your account.（兹确认收到你方（兹确认收到你方日来函，要求我方对日来函，要

25、求我方对该批货物代办保险。）该批货物代办保险。）We have received your letter of,asking us to insure the goods for an amount of%above the invoice value.（我方已经收到你方（我方已经收到你方日来函，要求我方日来函，要求我方对该货物按发票金额加成对该货物按发票金额加成%投保。）投保。）（2）告）告知对方保知对方保险条款、险条款、投保险别、投保险别、保险金额、保险金额、保险单据保险单据等等 We are pleased to inform you that we have covered the s

26、hipment with against for（很高兴告知，我方已（很高兴告知，我方已向向办理投保手续，投保办理投保手续，投保（险别），（险别），投保金额为投保金额为。）。）Although it is our usual practice to take out insurance for the invoice value plus 10%,we are prepared to comply with your request for getting cover for 130%of the invoice value.（尽管我方的（尽管我方的惯例是按照发票金额惯例是按照发票金额110%

27、投保，但是此次投保，但是此次我方准备同意你方要求对该批货物按发票我方准备同意你方要求对该批货物按发票金额的金额的130%投保。）投保。）（3）说）说明保险费明保险费的偿付问的偿付问题题The policy is being prepared accordingly and will be forwarded to you by next Tuesday together with our debit note for the premium.（我方准备（我方准备将相应的保单及我方关于保险费的索款通将相应的保单及我方关于保险费的索款通知单，于下周二寄送你方。知单，于下周二寄送你方。The extra premium will be for your account.（额外的保险费将由你方负担。（额外的保险费将由你方负担。