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1、單擊此處編輯母版文本樣式,第二級(jí),第三級(jí),第四級(jí),第五級(jí),*,單擊此處編輯母版標(biāo)題樣式,Unit 12,Insurance,保險(xiǎn),大連理工大學(xué)電子音像出版社,世紀(jì)商務(wù)英語 外貿(mào)函電,Basic Knowledge Concerned,Letter-writing Guide,Other Commonly Used Expressions and Sentences,Sample Letters,Practical Training,Part One,Part Two,Part Three,Part Four,Part Five,Contents,Part One,Insurance is an
2、 essential procedure in international trade.The insured can obtain the guarantee from the insurance company(the insurer)to get compensation of the cargo damaged or lost in transit at a relatively small cost,namely the insurance premium.,Almost every international transaction by sea gets involved in
3、insurance because the risks in the sea voyage are unexpected and varied.Therefore it now has become the common sense that insurance should be bought in an international transaction,either by the exporter or the importer.,1.The Significance of Insurance,Part One,Usually,there are three kinds of basic
4、 risks package.They are FPA(Free from Particular Average),WA/WPA(With Particular Average)and AR(All Risks).The insured needs to choose one of them to insure against.In terms of the range of risks coverage FPA is included in WA/WPA,and WA/WPA is included in AR.,There are also eleven types of General
5、Additional Risk.Neither of them can be insured against alone.The insured is allowed to insure against one or several of them on the basis that he has already chosen FPA or WPA.The insured choosing AR does not need to consider them as AR has naturally covered all of them.The eleven types of General A
6、dditional Risk are(1)Theft,Pilferage and Non-Delivery(TPND);(2)Fresh Water (7)Risk of,Odour,;(8)Heating (11)Breakage of Packing Risk.,Other than the above risks there are another eight kinds of Special Additional Risk,against one or several of which the insured can insure the cargo.,2.The Coverage o
7、f Insurance,Part One,If the damage or losses of the consignment,which has been insured,occur during the period of transportation and discharge the insured will certainly lodge a claim asking for indemnity from the insurer.Under such circumstances the insurance policy of the cargo becomes an indispen
8、sable document to be presented.,Under CIF term and under payment method of Letter of Credit(L/C),after shipping the goods the exporter will go to the negotiating bank requesting the payment of the shipped cargo by submitting several required documents,among which the insurance policy is a must toget
9、her with the Bill of,Lading(B,/L),commercial invoice and draft etc.,3.The Role of the Insurance Policy,Part Two,Steps/Contents,Typical Expressions,For letters from the importer requesting the exporter to insure the goods,1.Referring to which shipment of goods is to be insured against.,We would like
10、to refer you to the under order No.(,本函所提及的是,號(hào)訂單項(xiàng)下的,貨物。,),With regard to the consignment under the L/C No.(,關(guān)于,號(hào)信用證所涉及的貨物,,),Referring to the cargo under S/C No.(,至于,號(hào)銷售確認(rèn)書上的貨,),2.Stating the risks coverage to insure against and the amount of the insured value.,Please have the goods insured against
11、for%of the invoice value.(,請(qǐng)按發(fā)票金額的,%,為貨物投保,險(xiǎn)。,),Would you like to insure,on behalf of us,the consignment against at the invoice value plus%?(,貴方能否代我們以發(fā)票金額加成,%,作為保險(xiǎn)金額來為這批貨投保,險(xiǎn)?,),Part Two,Steps/Contents,Typical Expressions,Please see to it that the insured value for this shipment is 130%of invoice va
12、lue,amounting to (,請(qǐng)注意這批貨物的投保金額是發(fā)票價(jià)值的,130%,,即為,),3.Clarifying the payment of the premium.,Upon the receipt of your debit note we will remit you the amount of the premium.(,一收到貴方寄來的借記賬單,我們就會(huì)將保險(xiǎn)費(fèi)款給你們匯去。,),The extra premium for the additional coverage beyond the normal insured amount of 110%of invoice
13、value will be for our account.(,正常投保金額是發(fā)票數(shù)額的,110%,,若投保金額高于此,高出部分應(yīng)繳的保險(xiǎn)費(fèi)由本方支付。,),After finishing the insurance procedure you can draw on us a sight draft for our refunding you the premium fee.(,待貴方完成投保手續(xù)后可向我方開出即期匯票,以便我們把保險(xiǎn)費(fèi)款還給你們。,),Part Two,Steps/Contents,Typical Expressions,4.Expressing your expectat
14、ion.,We hope that the goods can be insured as per the above request.(,希望按以上要求給貨物投保,。),Please inform us whether you agree with the said arrangements of insurance.(,貴方是否同意這樣的保險(xiǎn)安排,請(qǐng)告知我們。,),For letters(from the exporter)in reply,1.Confirming the receipt of the importers request.,We have received your le
15、tter requesting us to handle insurance on the consignment of against at/for%of invoice value.(,我們已收到你方來函,該函中要求我方以發(fā)票價(jià)值,%,的保險(xiǎn)金額為,貨投保,險(xiǎn)。,),Your letter of asking us to insure the shipment of on your behalf has been noted.(,你們,時(shí)候的來函收悉,得知貴方希望本方代你們?yōu)?.,的運(yùn)輸投保。,),Part Two,Steps/Contents,Typical Expressions,2.
16、Informing the importer of what has been done.,We take pleasure in informing you that we have covered the insurance of the consignment of against for the amount of (,我們高興地通知貴方,我方業(yè)已為,貨投保了保險(xiǎn)金額為,的險(xiǎn)。),We have obtained the insurance policy on the shipment under the L/C No.evidencing the coverage of the goods against at full invoice value plus%(,對(duì)于,號(hào)信用證項(xiàng)下貨物我方已取得了保險(xiǎn)單,單上證明貨物已按發(fā)票金額加成,%,的額度投保。,),3.Clarifying the payment of the premium charge.,As per your confirmation we will send you the insurance policy t