10-insurance

1、Insurance保險BriefIntroduction在國際貿(mào)易中，貨物從賣方到達買方，通常要經(jīng)過長途的運輸、裝卸和存儲等過程。在此過程中，貨物常常會遇到許多風險。為了保障貨物遭受損失時能得到一定的補償，買方或賣方應在貨物裝船后向保險公司投保貨物運輸險。對外貿(mào)易的運輸保險是指：被保險人（出口人或進口人）對一批或若干批貨物向保險人按一定金額投保一定的險別，并交納保險費；保險人承保后，如果所保貨物在運輸過程中發(fā)生約定范圍內(nèi)的損失，應按照所

2、出具的保險單的規(guī)定給予被保險人經(jīng)濟上的補償。投保時，通常選擇平安險（F.P.A.）水漬險（W.A.或W.P.A.）或一切險（A.R.）三種基本險別中的一種，然后，加保其他必要的特殊附加險別。BasicExpressions1.Wehavecoveredinsuranceon1000casesofbeerf110%oftheinvoicevalueagainstallrisks.我們已將一千箱啤酒按發(fā)票金額的百分之一百一十投保一切險。2.

3、Ifyoudesireustoinsureagainstaspecialriskanextrapremiumwillhavetobeged.如你想投保特殊險別，將向你收取額外保費。3.Thisriskiscoverableatapremiumof0.25%.該險別的保險費是百分之零點二五。4.Theinsurancecompanyinsuresthisriskwith5%franchise.保險公司保這種險有百分之五的免賠額。5.Aft

4、erloadingthegoodsonboardtheshipyoumustgototheinsurancecompanytohavetheminsured.貨船裝船后，你必須找保險公司為貨物投保。6.Wecanserveyouwithabroadrangeofcoverageagainstallkindsofrisksfseatranspt16.Weadoptthewarehousetowarehouseclausethatiscom

5、monlyusedininternationalinsurance.我們采用國際保險中常用的“倉至倉”的責任條款。17.Accdingtointernationalpracticewedonotinsureagainstsuchrisksunlessthebuyerscallfthem.按照國際慣例，我們不投保這些險別，除非買主提出要求投保。18.Breakageisaspecialriskfwhichanextrapremiumwil

6、lhavetobeged.破碎險是一種特別險，需收取額外保險費。19.Becausetheyaren’tdelicategoodsnotlikelytobedamagedonthevoyage.因為這些不是易碎易損的貨物，航行中不大可能被損壞。ConversationsDialogue1A:GoodafternoonMr.Brown.Myappointmentwasat4o’clockwasn’titB:YesMrs.Wang.Weha

7、vebeenexpectingyou.Mrs.WangthisisMr.JdanofthePeople’sInsuranceCompanyofChina.Hehascometoexplaintheunftunateaffairabouttheinsurance.A:Thankyoufcoming.Mr.BrownasyoumayrecalltheFebruaryconsignmentarrivedatManilaseriouslydam

8、aged.Thelossthroughbreakagewasover30%oftheconsignment.We’vepresentedaclaimtotheunderwritersthroughyourfirmbuttheinsurancecompanyrefusedtoadmitliabilityastherewasnoinsuranceonbreakage.Wenaturallywerenotsatisfiedwithsuchar

9、eply.B:IshouldliketohearwhatMr.Jdanhastosayaboutit.Youknowofcoursethatwethesellersaremerelyactingasmediatsinthismatter.TheInsuranceCompanyisresponsibleftheclaimasfarasitiswithinthescopeofcoverage.J:That’sjustthepoint.The