Insurance 保险

Insurance

     保险

     It is customary to insure goods sold for export against the perils 1 of the transport. In international trade, the transportation of goods from the seller to the buyer is generally over a long distance by air, land or sea and has to go through the procedures of loading, unloading and storing. During this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses. In 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 insurance covering the goods in transit 2.

     As a large percentage of the trade in and out of our country goes by ship, what mainly concerns us is still the Marine 3 Insurance.

     Specimen 4 Letters

1. Importer Asks Exporter to Cover Insurance

     进口商请出口商代办保险

Dear Sirs,

Re: Our Order No. 101. Your S/C No. 013 covering 500 cases Electronic Toys

     We wish to refer you to our Order No. 101 for 500 cases Electronic Toys, from which you will see that this order was placed on CFR basis.

     As we now desire to have the consignment 5 insured at your end, we shall be much pleased if you will kindly 6 arrange to insure the same on our behalf against All Risks at invoice 7 value plus 10%, i.e. U.S $2,200.00.

     We shall of course refund 8 the premium 9 to you upon receipt of your debit 10 note or, if you like, you may draw on us at sight for the same.

     We sincerely hope that our request will meet with your approval.

     Yours faithfully,

     Notes

1. CFR 价格术语 cost and freight 的缩写，成本加运费价

2. insure v.t. v.i. 保险；投保

     Please insure the goods against all risks and war risk. 请将此货投保一切险和战争险。

     Please insure against breakage. 请投保破碎险。

     insurance n. 保险

     insurance agents 保险代理人

     insurance amount 保（险）额

     insurance certificate 保险凭证

     insurance company 保险公司

     insurance coverage 11 保险范围

     在表示"投保"，"办理保险"时 ，常与 insurance 搭配的动词或动词词组有：

     to arrange insurance

     to cover insurance

     to effect insurance

     to provide insurance

     to take out insurance

     说明保险情况时，insurance 后接介词的一般用法：

     表示所保的货物，后接 on，如 insurance on the 100 tons of wool;

     表示投保的险别，后接 against，如 insurance against all risks;

     表示保额，后接for，如 insurance for 110% of the invoice value;

     表示保险费或保险费率，后接 at，如 insurance at a slightly higher premium, insurance at the rate of 5%;

     表示向保险公司投保，后接 with，如 insurance with the People's Insurance Company of China.

     We have covered insurance on the 100 metric tons of wool for 110% of the invoice value against all risks. 我们已将100吨羊毛按发票金额的110%投保一切险。

3. all risks 一切险；它是中国人民保险公司制定的中国保险条款 (China Insurance Clauses, 略作 CIC或C.I.C.) 中的海洋运输货物保险条款所包括的三个基本险别之一，其它两个险别为：

     平安险: Free from Particular Average, 缩写为：F.P.A. 或 FPA

     水渍险: With Particular Average, 缩写：W.P.A. 或 WPA

     除以上三个基本险别外，还有附加险 Extraneous 12 Risks, 常见的附加险如下：

     Theft, Pilferage 13 & Non-Delivery Risks (简称 T.P.N.D., 也可写作TPND) 偷窃、提货不着险

     Fresh and/or Rain Water Damage Risks 淡水雨淋险

     Shortage Risk 或 Risk of Shortage 短量险

     Intermixture & Contamination Risks 混杂、沾污险

     Leakage 14 Risk 或 Risk of Leakage 渗漏险

     Clash & Breakage Risks 碰损、破碎险

     Taint 15 of Odour Risk 串味险

     Sweating & Heating Risks 受潮受热险

     Hook Damage Risk 钩损险

     Rust 16 Risk 或 Risk of Rust 锈损险

     Breakage of Packing Risk 包装破裂险

     常见的特殊附加险有：

     War Risk 战争险

     Strikes, Riots and Civil Commotions 17 (缩写为 S.R.C.C., 也可写作 SRCC，注意这个险别没有 risks 这个词) 罢工、暴动、民变险

     在函电中说各个险别时，除 all risks 和 war risk 外, risk(s) 这个词通常略去，如：

     We shall cover TPND on your order. 我们将对你方订货投保偷窃、提货不着险。

     The goods are to be insured against leakage. 此货需保渗漏险。

2. Asking for a Special Rate of Insurance

     要求特惠保率

Dear Sirs,

     We regularly ship consignments 18 of Qingdao Beer to Sydney, Australia by both passengers and cargo 19 liners of the International Shipping 20 Line. Will you please say whether you can issue an all-risks policy for these shipments and, if so, on what terms. In particular we wish to know whether you can issue a special rate for the promise of regular monthly shipments.

     Yours faithfully,

     Notes

1. liner n. 班轮，班机

2. International Shipping Line 国际航运公司

3. a special rate 特惠保率

4. regular monthly shipments 按月付运

3. Insurance Company Asks to Cancel Breakage Risk

     保险公司要求取消破碎险

Dear Sirs,

(Additional Risk of Breakage)

     We refer to your L/C No. 157 covering Glazed 21 Wall Tiles, which we have just received.

     Please note for this article we do not cover Breakage. You have to, therefore, delete the word "Breakage" from the insurance clause in the credit.

     Furthermore, we wish to point out that for such articles as window glass, porcelains 22, etc., even if additional Risk of Breakage has been insured, the cover is subject to a franchise 23 of 5%. In other words, if the breakage is surveyed to be less than 5%, no claims for damage will be entertained.

     We trust that the position is now clear, Please cable the amendment 24 at once.

     Yours faithfully,

     Notes

1. delete v. 删除

     The clause "All expences are for the beneficiaries' account" should be deleted from the L/C. "一切费用由受益人负担"之条款应从信用证中删除。

     With reference to your L/C No. 4425, please delete the word "long" and insert "metric" before "ton". 关于你方信用证4425号，请在"吨"字前去掉"长"字，加上"公"字。

2. franchise n. 免赔率（额）；特权，特许

     This class of goods is sold with a franchise of 3%. 此类商品按免赔率百分之三出售。