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Unit10Insurance Content IntroductionBackgroundinformationCasestudyCase1UsefulphrasesExercises Thepurposeofinsurance toprovidecompensationforthosewhosufferfromlossordamage Itisacontractofindemnity Partiesinvolvedininsurance theinsurerthepartywhoagreetoaccepttherisktheinsuredthepartyseekingprotectionfromtheriskthebeneficiarycanbesamepersonthepartywhowillgetthecompensationwhenanylossoccur Insurancepolicy保險(xiǎn)單ContractbetweentheinsurerandtheinsuredInsurancepremiumThesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyInsuranceamount Backgroundinformation MarineriskAverageCoverage 風(fēng)險(xiǎn) risks perilstotalloss損失 lossesparticularaveragepartialloss 單獨(dú)海損 generalaverage 共同海損 險(xiǎn)別 risks perils coverages保險(xiǎn)公司按照不同險(xiǎn)別包括的風(fēng)險(xiǎn)所造成的損失和發(fā)生的費(fèi)用承擔(dān)賠償責(zé)任 所以在保險(xiǎn)業(yè)務(wù)中風(fēng)險(xiǎn) 損失和險(xiǎn)別三者有著緊密的聯(lián)系 為此 我們對(duì)保險(xiǎn)公司所能承保的風(fēng)險(xiǎn)與損失的種類和內(nèi)容必須有準(zhǔn)確的理解 海上風(fēng)險(xiǎn)PerilsoftheSea 外來風(fēng)險(xiǎn)ExtraneousRisks 自然災(zāi)害 NaturalCalamity 意外事故 Fortuitousaccidents 一般外來風(fēng)險(xiǎn)GeneralExtraneousRisks 特殊外來風(fēng)險(xiǎn)SpecialExtraneousRisks 風(fēng)險(xiǎn)Risks 損失Losses 海上損失 其他損失 全部損失TotalLoss 實(shí)際全損ActualTotalLoss 推定全損ConstructiveTotalLoss 部分損失PartialLoss 共同海損GeneralAverage 單獨(dú)海損ParticularAverage 一般外來?yè)p失 特殊外來?yè)p失 Marinerisk Perilsofthesea 海上風(fēng)險(xiǎn) naturalcalamities fortuitousaccidentsExtraneousrisks Perilsofthesea naturalcalamities heavyweather lightening earthquake volcaniceruptionandsoon fortuitousaccidents fire explosion vesselbeingstranded grounded sunkorcapsized collisionorcontactofvesselwithanyexternalobjectotherthanwater Heavyweather lightening earthquake Volcaniceruption Tunami 海嘯 NaturalCalamities Fortuitousaccidents fire explosion collision Stranded觸礁 sunk Grounded擱淺 Extraneousrisks GeneralExtraneousRisks theftandpilferage contamination leakage breakage sweatingand orheating taintofodor rusting hookdamage freshand orrainwaterdamage short deliveryandnon delivery shortageinweight clashingandsoon SpecialExtraneousRisks war strike failuretodeliverduetosomespeciallawsorregulations Average Totalloss ActualTotalLoss 實(shí)際全損 ConstructiveTotalLoss 推定全損 Partialloss GeneralAverage 共同海損 ParticularAverage 單獨(dú)海損 Partialloss 1 GeneralaverageItisalossresultingfromavoluntarysacrificeorexpenditureintimeofperil forthesafetyofhull cargoandfreight 2 Particularaverage Itmeanspartiallossordamageaccidentallycausedtotheshiportoaparticularlotofgoods Particularaverageisnotatotalloss Itmustbebornebytheownerofthepropertysufferingtheloss itisdistinctfromgeneralaverage whichissharedbyallwhohaveafinancialinterestinthevoyageanditsrisksinproportiontothevalueoftheirinterests Coverage basicrisksFreefromParticularAverage F P A WithParticularAverageorWithAverage W P AorW A AllRisksadditionalrisksgeneraladditionalrisksspecialadditionalrisk Basicrisks FreefromParticularAverage平安險(xiǎn) F P A 范圍較窄 只提供實(shí)際海損所引起的全損及共同海損的賠償 不承擔(dān)單獨(dú)海損的賠償WithParticularAverage WPA 水漬險(xiǎn)水漬險(xiǎn)對(duì)整個(gè)保險(xiǎn)期間內(nèi)由海難引起的全部損失或損壞提供廣泛保險(xiǎn) AllRisks AR 一切險(xiǎn)不管是海難還是一般外來險(xiǎn)原因所造成的被保之物的全損或部分損失的賠償責(zé)任包括共同海損和單獨(dú)海損責(zé)任外來原因造成的短少 短量 滲漏 碰碎 鉤損 雨淋 生銹 受潮 受熱 發(fā)霉 竄味 玷污等全部或部分損失也負(fù)責(zé)賠償不包括戰(zhàn)爭(zhēng)險(xiǎn) 不合格包裝 內(nèi)在缺點(diǎn)等 Additionalrisks generaladditionalrisks偷竊提貨不著險(xiǎn) Theft PilferageandNon delivery縮T P N D 淡水雨淋 FreshWater orRainDamage 短量 RiskofShortage 混雜玷污險(xiǎn) RiskofIntermixtureandContamination 滲漏險(xiǎn) RiskofLeakage 碰損破碎險(xiǎn) RiskofClashandBreakage specialadditionalrisk戰(zhàn)爭(zhēng)險(xiǎn) WarRisk 罷工險(xiǎn) StrikesRisk 交貨不到險(xiǎn) FailuretoDelivery 進(jìn)口關(guān)稅險(xiǎn) ImportDutyRisk 艙面險(xiǎn) OnDeckRisk 拒收險(xiǎn) RejectionRisk 和黃曲霉素險(xiǎn) Aflatoxin Case1 Whichpartyisthisletterwrittenby Whatishisrequirement Why Whichcompanydoeshechoose Why Whatotherinformationisheaskingfor OnCFRterms按 報(bào)價(jià)Takeout出具Anopenpolicy預(yù)約保險(xiǎn)單TheLloydInsuranceCompany勞埃德保險(xiǎn)公司Ongoodtermswithsb交往甚好UnderwriterPremiumrebatePICCThePeople sInsuranceCompanyofChina 1 InsurancePolicy 保險(xiǎn)單 俗稱大保單 2 InsuranceCertificate 保險(xiǎn)憑證 俗稱小保單 3 OpenPolicy OpenCover 預(yù)約保險(xiǎn)單 總保險(xiǎn)單 3FormsofMarineInsuranceDocuments 1 保險(xiǎn)單InsurancePolicy 保險(xiǎn)單是保險(xiǎn)人已接受保險(xiǎn)的正式憑證 俗稱 大保單 也是保險(xiǎn)人和被保險(xiǎn)人之間訂契約的證明 2 預(yù)約保單OpenPolicy 預(yù)約保險(xiǎn)單它是保險(xiǎn)人承保被保險(xiǎn)人在一定時(shí)期內(nèi)分批發(fā)運(yùn)的貨物所出立的保險(xiǎn)單 在預(yù)約保險(xiǎn)單內(nèi) 載明保險(xiǎn)貨物的范圍 險(xiǎn)別 保險(xiǎn)費(fèi)率 每批運(yùn)輸貨物的最高保險(xiǎn)金額以及保險(xiǎn)費(fèi)的結(jié)算辦理等 3 保險(xiǎn)憑證InsuranceCertificate 保險(xiǎn)憑證是保險(xiǎn)人對(duì)貨物已接受保險(xiǎn)的一種證明文件 俗稱 小保單 是簡(jiǎn)化的保險(xiǎn)單 保險(xiǎn)憑證僅載明被保險(xiǎn)人名稱 被保險(xiǎn)貨物名稱及數(shù)量 船名 航程 開航日期 險(xiǎn)別 保險(xiǎn)期限和保險(xiǎn)金額等必要的項(xiàng)目 而對(duì)保險(xiǎn)公司與被保險(xiǎn)人的權(quán)利和義務(wù)則不予載明 保險(xiǎn)憑證與保險(xiǎn)單具有同等效力 Usefulphrases 1 coverinsuranceon against eg Wecoverinsuranceonthegoodsfor110 oftheinvoicevalueagainstAllRisksandWarRisk Similarphrase cover arrangeinsurance effectinsurance provide takeoutinsuranceeg Forthiscontract wewouldlikeyoutoarrangeinsuranceatyourend 表所保的貨物 后接OnInsuranceonthe100tonsofwool表投保的險(xiǎn)別 againstInsuranceagainstallrisks保額 forInsurancefor110 oftheinvoicevalue保費(fèi)率 atInsuranceattherateof 向某保險(xiǎn)公司投保 withInsurancewithPICC Insure的用法 Vt Insuresth ariskVi Insureagainstarisk Cover的用法 Vt CoverinsuranceCoverariskCoverAllRisksandWarRisksCoversth sb againstariskCoverthegoodsagainstAllRisksCoverusagainstBreakage Premiumatapremiumofeg Thiskindofadditionalriskiscoverableatapremiumof2 Thepremiumisforbuyer saccounteg Underdifferenttradeterms theinsurancechargecangoforbuyer saccountortheseller saccount Similarphrase tobebornebythebuyertobechargedtothebuyer saccount Vocabulary insuranceagent保險(xiǎn)代理人insurancebroker保險(xiǎn)經(jīng)紀(jì)人insurancecertificate保險(xiǎn)憑證insurancecommission保險(xiǎn)傭金insurancemarket保險(xiǎn)市場(chǎng)insurancepolicy保險(xiǎn)單 insuranceamount保險(xiǎn)金額insurancecoverage保險(xiǎn)范圍insurancecompany保險(xiǎn)公司insuranceclause保險(xiǎn)條款insuranceinstruction投保通知insurancebusiness保險(xiǎn)企業(yè)insuranceconditions保險(xiǎn)條件 Exercises 根據(jù)你方要求 我們將按發(fā)票金額的110 投保請(qǐng)給合同投保平安險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)這份保單給我們保了破碎險(xiǎn)我們向中國(guó)人民保險(xiǎn)公司辦理投保一切險(xiǎn) 保險(xiǎn)金額為人民幣5500元 根據(jù)你方要求 我們將按發(fā)票金額的110 投保Weshallcoverinsurancefor110 oftheinvoicevalueinaccordancewithyourrequest 請(qǐng)給合同投保平安險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)PleaseinsureFPAandagainstWarRisksonthecontract 這份保單給我們保了破碎險(xiǎn)TheinsurancepolicycoversusagainstBreakage 我們向中國(guó)人民保險(xiǎn)公司辦理投保一切險(xiǎn) 保險(xiǎn)金額為人民幣5500元 WeinsurethegoodsforRMB5500againstAllRiskswithPICC