商务英语函电Unit-8-Letters-of-Insurance课件.ppt

1、Unit 8 Letters of Insurance保险 8-1 Objectives 目标 1、Getting familiar with the new words and expressions.2、To have a good understanding of risks and losses.3、To have a good understanding of insurance clauses.4、Understanding the guidelines to and main contents of writing letters of insurance.5、Practice

2、writing a letter of insurance by using words and expressions in the list.6、Master the writing methods of letters of insurance through doing more exercise.7、Try their best to write out the letters of insurances.8-2 Leading in导入 Insurance is a necessary part of foreign trade.Have you ever seen letters

3、 of insurance?If you want to write a letter of insurance,what do you think a letter of insurance includes?According to the study of this unit,you will learn how to write letters of insurance.6.In international trade,sea transportation accounts for the biggest share in international cargo transportat

4、ion.Therefore marine insurance has become the most important insurance.Arrangements for sea shipments insurance may be made by either the buyer or the seller,in accordance with the terms of sale.7.Air shipments insurance is often purchased from the air carrier.There are companies that deal in intern

5、ational insurance known as international insurance carriers.Besides,insurance can also be arranged through freight forwarders.These agents are familiar with the import rules and regulations of foreign countries,the export regulations of their government,the methods of shipping,and the documents.New

6、words and Expressions 1.insurance inurns n.保险；保险业；保险金额 2.trade treid n.贸易；行业；交换 3.transportation ,trnsptein n.运输；运输工具；交通费 4.procedures prsi:d n.程序；步骤；常规 5.unload nlud vt.卸货；摆脱；去掉 6.process pruses n.进程；步骤；程序 7.financial fainnl adj.财政的；金融的 8.premium pri:mim n.奖金；酬金；保险费 9.arrangement：reindmnt n.安排；约定；布

7、置 10.transit trnsit n.运输；过境 11.payment peimnt n.支付；报偿 12.individual,individjul n.个人；个体 13.share n.一份；一部分 14.cargo k:gu n.货物 15.shipment ipmnt n.装运；装载的货物 16.term t:m n.条件；条款 17.purchase p:ts vt.购买；获得 18.carrier kri n.运送人；搬运人 19.freight freit n.货物；货运 20.forwarder f:wd n 运送者；运输业者 21.regulation,regjulei

8、n n.规则；条例；管理 22.go through 经历，讨论，举行 23.result in 导致，结果是 24.due to 因为，由于，应归于 25.in return 作为回报，作为交换 26.account for 占，占百分比 27.deal in 经营，买卖8-4 Layout,Basic structure,Main points of Letters of Insurance 保险函电格式,基本结构，要点A、Layout of Letters of Insurance 保险函电格式Notes as follows 如下 so far 到目前为止 lot（商品等的）一批，一摊

9、 end users 最终用户 get dissatisfied with 不满意B.The Basic Structure of Letters of Insurance保险信函基本结构 Date Salutation Body 1)Letters of this kind usually have a reference.2)The opening sentence gives reference to the previous correspondence and the purpose of the letter(about insurance).3)The middle part p

10、rovides information of insurance and discusses about insurance.4)The closing part either asks for an answer or looks forward to further communication.5）Decide whether it is the policy or the certificate that is required.When an insurance certificate is required,the policy comes along,but not vice ve

11、rsa.6)Be clear about the risks that are necessary for you to cover.Unnecessary risks do not serve anything other than cost more money.7)In your letter,state the coverage as clearly as possible.8)The insured amount is to be specified or at least determinable.Complimentary close Sellers company nameC.

12、The Main Point of Letters of Insurance保险函电的要点 1.Letters of this kind usually have a reference.Re:Policy A-3425-05 已读保险单A-3425-05 Re:Policy No.52765 已读保险单No.52765 2.Giving reference to the previous correspondence and the purpose of the letter(about insurance).Answering your letter of February 24 in r

13、egard to insurance,we would like to inform you of the following.关于你方2月24日有关保险的询问，我们的答复如下。Thank you for your letter of May 24,informing us of your insurance rate.感谢你在5月24日的信中通知了我们保险费率。3.Information of and discussion about insurance As requested,we have covered insurance for the shipment against WPA,T

14、PND,SRCC and War Risk.按照你方的要求，我们已将货物投保水渍险、偷窃提货不着险、罢工暴动民变险和战争险。When you place insurance for the shipment of our porcelainware,please do not forget to include the risk of breakage.当你们为我方这批瓷器投保时，请别忘了包括破碎险。4.Asking for an answer or looking forward to further communication This is an exceptionally low ra

15、te and we trust you will gives us the opportunity to handle your insurance business.这是特别低的费率，相信你们会给我们处理保险业务的机会。We shall be glad if you will now prepare and send us the policy and meanwhile let us have your cover note and statement of charges for the following,our first shipment under policy.如果你们现在能预

16、备并寄来保险单，同时寄来暂存保单（保险证明）及本保险单项下我方下列第一批货物费用的报告单，我们将非常高兴。8-5 Sample Letters of Insurance 保险函电样信 Specimen 1 June 25,2010 Re:Order No.52765 Dear Chen Bin,Regarding the Order No.52765,the shipping date is approaching rapidly,and we would like to deal with the insurance.As usual,we would like to leave the i

17、nsurance arrangements to you and shall be pleased if you could have the goods covered against All Risks on our behalf for 110%of invoice value,i.e.US$8 600.00.The premium is to be charged to us and will be paid on the presentation of the documents to our agent in San Francisco.We hope that this requ

18、est meets with your approval.Please advise us of the expected arrival date in San Francisco.Sincerely,(signature)John Brown Purchasing Manager Notes deal with 与交涉，交易；应付；处理 on ones behalf 代表 invoice value 发票金额 All Risks 全险；综合险；一切险 meet with 符合，偶然遇到Specimen 2 Dear Sirs,Re:Our Order No.1011 for 500 Cas

19、es of Recorders We wish to refer you to our Order No.1011 for 500 cases of recorders,from which you will see that this order is placed on a CFR bases.As we now desire to have the shipment insured at your end,we shall be pleased if you will arrange to insure the goods on our behalf against All Risks

20、for 110%of the invoice value,i.e.HKD 200 000.We shall refund you the premium upon receipt of your debit note or,if you prefer,you may draw on us at sight for the amount involved.We sincerely hope that our request will meet with your proposal.Yours faithfully,(signature)Wang Jing Sales Manager Notes

21、CFR 成本加运费到价 HKD 港币；港元 debit note 欠款单，借记单，索款通知书 draw on 接近；靠近；临近 at sight 见票兑付，即期兑付Specimen 3 Dear sirs,Re:Your Order No.1011 for 500 Cases of Recorders This is to acknowledge receipt of your letter of October 17,2010,requesting us to cover insurance of the captioned shipment for your account.We are

22、pleased to inform you that we have insured the above shipment with the Peoples Insurance Company of China(PICC)against All Risks for HKD 200 000.The Policy is being prepared accordingly and will be forwarded to you by the end of this week together with our debit note for the premium.For your informa

23、tion,we are making arrangements to ship the 500 cases of recorders by S.S.“Seagull”,sailing on or about the 10th of November.Yours faithfully,(signature)Wang Jing Sales Manager Notes S.S.商汽轮；汽船 make arrangements to 安排做 signature 签名，签署；画押 Sales Manager 销售部经理Specimen 4 May 29,2010 Re:Order No.NC-329 O

24、rder No.MC-471 Dear Ms.Mays,We have received your letter of May 27 in regard to insurance.Now we would like to inform you of the following:Normally we cover insurance WPA and War Risk in the absence of definite instructions from our customers.If you desire to cover All Risks,we can provide such cove

25、rage at a slightly higher premium.As to the insured value,our general practice is to insure at invoice value plus 10%.Any additional premium for insurance coverage over 110%of the invoice,if so required,shall be charged to the buyers account.Risks other than All Risks and War Risk can be covered her

26、e,and the extra premium will again be borne by the buyer.We hope this information is helpful.Please advise us as soon as possible.If you wish us to change the insurance coverage on this order.Sincerely,(signature)Zhou Jing Sales Manager Notes in regard to 关于，至于 inform of 告诉；报告；通知 WPA（保险）水渍险 War Risk

27、 战争险 as to 至于，关于，按照，为了8-6 Key words of letters of insurance 保险函电重点词 1.Number of Originals(正本份数)当来证要求提供保险单“IN DUPLICATE/IN TWO FOLDS/IN 2 COPIES”时，出口商提交给议付行的是正本保险单（ORIGINAL）和副本保险单（DUPLICATE）构成全套保险单。其中的正本保险单可经背书转让。正本必须有“正本”(ORIGINAL)字样。在实务中，可根据信用证或合同规定使用一份、两份或三份正本保单，每份正本上分别印有“第一正本”（THE FIRST ORIGINAL）

28、、“第二正本”（THE SECOND ORIGINAL）及“第三正本”（THE THIRD ORIGINAL）以示区别。2.Policy Number(保险单号码)3.Invoice Number(发票号码)4.Insured(被保险人)5.Descriptions of Goods(保险货物项目)6.Packing,Unit,Quantity(包装、单位、数量)填写货物数量及件数。如以包装件数计价者，则将最大包装的总件数填入；如以毛重或净重计价，可填件数及毛重或净重，如果是裸装货物，则表示其件数即可；散装货物则表示其重量，并在其后注明IN BULK 字样。7.Amount Insured(保

29、险金额)填写以数字表示的保险金额。一般情况下，按发票毛重或CIF，CIP 价值的110%计算。货币应与信用证使用的货币相同。8.Conditions(承保条件)应注意保险险别及文句与信用证严格一致，即使信用证中有重复语句，为了避免混乱和误解，最好按信用证规定的顺序填写。如信用证没有规定具体险别，或只规定“MARINE RISK”，“USUAL RISK”或“TRANSPORT RISK”等，则可投保一切险（ALL RISKS）、水渍险（WA或WPA）、平安险（FPA）三种基本险中的任何一种。9.Total Amount Insured(总保险金额)填写保险金额大写，即以文字表示。注意大小写一致

30、，货币应为全称。10.Premium(保费)除非信用证另有规定，每笔保费及费率可以不具体表示。如信用证要求显示保费金额，则划去as arranged,填上具体保险金额。8-7 Basic Sentences of letters of insurance保险函电的基本句型 1.to be covered 由承担；由支付 Insurance is to be covered by the buyer.保险由买方承担。We cover insurance on the 100 tons of wool.我们为这100吨羊毛办理保险。2.It is the general practice that

31、.按惯例 It is the general practice that the insurance is to be covered in the same currency as in the letter of credit.按惯例，投保币应和信用证规定的币种一样。3.desire sb to do 想要做 If you desire us to insure against a special risk,an extra premium will be paid.如果你方想要我方投保其他特殊的险别，则须支付额外的费用。4.invoice value 发票金额 We shall cove

32、r the shipment for 10%above the invoice value.我们将按发票金额加成10%投保。Please note that our insurance coverage is for 110%of the invoice value only.请注意我们的保险范围只是发票金额的110%。5.on ones behalf 代表 We shall arrange insurance on your behalf.我们将代你方投保。6.be responsible for 对负有责任 The insurance company is responsible for

33、the claim,as far as it is within the scope of coverage.只要在保险责任范围内，保险公司就应赔偿 7.call for 提出 According to the international practice,we do not insure against such risks unless they are called for by the buyers.按照国际惯例，我们不投保这些险别，除非买主提出要求投保。8.for ones account 由负责 The additional premium is for the buyers ac

34、count.增加的费用由买方负担。8-8 Situational Dialogues(情景对话)Dialogue 1 Helen:I am calling to discuss the level of insurance coverage you have requested of your order.Henry:I believe that we have requested an amount twenty-five percent above the invoice value?Helen:Yes,thats right.We have no problem in complying

35、 with your request,but we think that the amount is a bit excessive.Henry:We would feel more comfortable with the additional protection.Helen:Unfortunately,if you want to increase the coverage,we will have to charge you extra for the additional cost.Henry:But the insurance was supposed to be included

36、 in the quotation.Helen:Yes,but we quoted you normal coverage at regular rates.Henry:I see.Helen:We can,however,arrange the extra coverage.But I suggest you contact your insurance agent there and compare rates.Henry:You are right.It might be cheaper on this end.Helen:Fax me whatever rates you find t

37、here and I will compare them with what we can offer.Dialogue 2 Wang:Good afternoon,Mr.Brown.My appointment was at 4 o clock,wasnt it?Brown:Yes,Mrs.Wang.We have been expecting you.Mrs.Wang,this is Mr.Jordan of the Peoples Insurance Company of China.He has come to explain the unfortunate affairs about

38、 the insurance.Wang:Thank you for coming.Mr.Brown,as you may recall,the February consignment arrived at Manila seriously damaged.The loss through breakage was over 30%of the consignment.We have presented a claim to the underwriters through your firm,but the insurance company refused to admit liabili

39、ty,as there was no insurance on breakage.We naturally were not satisfied with such a reply.Brown:I should like to hear what Mr.Jordan has to say about it.You know of course that we,the sellers,are merely acting as mediators in this matter.The Insurance Company is responsible for the claim,as far as

40、it is within the scope of coverage.Jordan:Thats just the point.The loss in question was beyond the coverage granted by us.According to your instructions,we made out an insurance certificate covering W.P.A.and the risk of breakage wasnt mentioned in it.We rang up the Ceramics Section of Light Industr

41、ial Products Import&Export Corporation,but were told that their customer had not asked for coverage in case of breakage.Brown:In the letter of credit only coverage for all marine risk was requested.I should like to point out that our prices were calculated without insurance for any special risk.So w

42、e applied for the usual W.P.A.coverage and let our customers deal with the matter of breakage.Since the validity of the letter of credit was going to expire in two days,there was no time to write for more detailed instructions.If the L/C had been valid for a longer period,we should have had time to

43、make the matter thoroughly clear.Wang:Mr.Brown,our import license only ran up to the middle of February,consequently we were not able to extend the validity of the letter of credit.But we presume that the wording of our L/C implies covering the risk of breakage.Besides,when I take a W.P.A.insurance,

44、that is,with particular average,I should think the risk of breakage is a particular average,isnt it?Jordan:Not every breakage is a particular average.It is a particular average when the breakage results from natural calamities or maritime accidents,such as stranding and sinking of the carrying vesse

45、l,or is attributable to fire,explosion or collision.If none of these conditions occur,breakage is often considered as an ordinary loss and represents what we call inherent vice or nature of the subject matter insured which is outside the scope of the coverage.Wang:But the risk of breakage is covered

46、 by marine insurance,isnt it?Jordan:Certainly,but it is a usual practice to make specific mention in the insurance policy or certificate that risk of breakage is included.The inclusion of this special risk will be subject to an additional premium that will normally be higher than the basic insurance

47、 for the ordinary marine risks.The rate for such risk will vary according to the kind of commodity,or,as in ceramics,according to the fragility of the goods.I think you must know all about that.Wang:Well,I have heard something about it but I cant say that it is very clear to me.I must admit I am a l

48、ayman as far as insurance is concerned.Jordan:Then let me explain this insurance.Brown:Mrs.Wang,would you care for a cup of tea?Or some coffee?Wang:Thank you.A cup of tea would be nice.And now,let me hear more about the problem of insurance.8-9 Practical Exercises 实用练习 Exercise I.Translate the follo

49、wing terms and expressions.A.Translate them into Chinese B.Translate them into English 1）综合险 6）单独海损险 2）破损险 7）海滩险 3）平安险 8）水渍险 4）淡水雨淋险 9）战争险 5）潮湿损害险 10）偷窃险Exercise II.Choose the best answer to complete each of the following sentences.1.The cargo is warehouse to warehouse All Risks.A.insuring byB.being

50、 insured by C.to be insured.againstD.to insure against 2.I regret to report the loss of the whole shipment you under the above policy.A.insured withB.to be insured with C.insuring forD.being insured at 3.We have a surveyor to investigate the extent of the damage and shall forward his report together