1、Unit 9 Insurance2022-12-222Lead-in2022-12-223Lead-ino 在国际贸易中,货物在从出口商(卖方)运往进口商(买方)的运输途中可能会遭遇种种风险和损失。保险是一种风险转移机制。投保公司通过向保险公司投保并交纳保险费将风险转移给保险公司。2022-12-226Lead-in2022-12-227Writing Model2022-12-228Letters of InsuranceStep 1.向对方提示合同、货物等Referring to our Contract No.79,we ordered 200 metric tons of boards
2、.根据第79 号合同规定,我方订购了200 公吨板材。With reference to our Contract No.312,we placed the order on a CIF basis.根据我方第312 号合同,该批货物按CIF 条件订购。Please refer to our Order No.263 for 3,000 pairs of galoshes,which is placed on a CFR basis.参阅我方第263 号订单订购3 000 双雨靴,该批货物按CFR 条件订购。2022-12-229Step 2.提出具体的保险要求及理由The above men
3、tioned goods are insured against All Risks for 110%of the invoice value.上述货物的保险按发票价格110%投保“综合险”。We shall appreciate it if you cover the above shipment against All Risks.贵方若能为这批货物运输投保一切险,我方将不胜感激。We would appreciate it if you extend the insurance coverage to include leakage.贵方若能将保险范围扩大,将渗漏险包含在内,我方将不胜感
4、激。Letters of Insurance2022-12-2210Step 3.表示希望对方同意并早日发货We hope to receive your favorable reply.望贵方给予肯定答复。We wish you could accommodate us in this respect.望贵方能在此方面给予照顾。We hope that our request will meet with your approval.衷心希望贵方能同意我方要求。Letters of Insurance2022-12-2211Step 1.通知对方收到信函Thank you for your
5、letter of October 18.感谢贵方10 月18 日的来信。We have received your letter of insurance with thanks.很高兴收到贵方的保险信函。Your letter of June 23,concerning insurance has been received with thanks.贵方6 月23 日有关保险的来函已收悉,不胜感谢。Reply to Letters of Insurance2022-12-2212Step 2.表明己方意见,是否同意对方并给出理由We agree to insure the goods on
6、ly for the full invoice value.我方只接受按发票金额投保。We want to make it clear that the extra premium will be for your account.我方想澄清一点,额外的保险费将由贵方承担。We regret being unable to accept your request for renewal insurance.很遗憾我方不能接受贵方保险续期的要求。Reply to Letters of Insurance2022-12-2213Step 3.表明为双方交易所作的努力,说明会及时发货等We will
7、 arrange insurance on your behalf.我方会代表贵方安排保险事宜。We have insured the goods against breakage.我方已为货物投保破损险。For your information,we are making arrangements to ship the goods.顺告,我方现正安排装运这批货物。Reply to Letters of Insurance2022-12-2214Specimen Letters2022-12-2215Letter 1 Buyers Insurance Request2022-12-2216L
8、etter 1 Buyers Insurance Request2022-12-2217Letter 1 Buyers Insurance RequestCore VocabularyoCFR:cost and freight 成本加运费oinsure:为保险oonbehalf:代表oAll Risks:综合险;全险opremium:保险费odebit note:借款通知单;收款单Super-linko1.见Step 1,向对方提示合同、货物等o2.见Step 2,提出具体的保险要求及理由o3.见Step 3,表示希望对方同意2022-12-2218Enhance Your Grammar1.
9、Insurance is to be covered _ All Risks and War Risks.A.forB.onC.againstD.at2.Please let us know the premium at which breakage is _ by the insurers on your side.A.coverableB.covering C.to cover D.covered2022-12-2219Letter 2 Sellers Reply to Buyers Request2022-12-2220Letter 2 Sellers Reply to Buyers R
10、equest2022-12-2221Core Vocabularyoforaccount:由支付opolicy:保单oforward:转寄;发送Super-linko1.见Step 1,通知对方收到信函o2.见Step 2,表明己方意见,是否接受对方要求并给出理由o3.见Step 3,表明为双方交易所做的努力,说明会及时发货Letter 2 Sellers Reply to Buyers Request2022-12-2222Enhance Your Grammar1.We often insure shipment for the invoice value _ 10%.A.adding B
11、.plus C.over D.with2.The extra premium _ by us.A.will be born B.will be borneC.will be taken D.will be undertaken2022-12-2223Letter 3 Enquiry of Insurance2022-12-2224Letter 3 Enquiry of Insurance2022-12-2225Core Vocabularyoconsignment:托运的货物ovalue:估价oterms and conditions:贸易条件和合同条款Letter 3 Enquiry of
12、Insurance2022-12-2226Letter 4 Reply to Enquiry of Insurance2022-12-2227Letter 4 Reply to Enquiry of Insurance2022-12-2228Core VocabularyoWPA:=With Particular Average 担保单独海损,水渍险oin the absence of:不存在,不在场odeclare:宣布,申报ofor ones reference:供参考otimely:及时的Letter 4 Reply to Enquiry of Insurance2022-12-2229
13、Enhance Your Grammar1.The WPA covers _ risks than the FPA(=Free from Particular Average 平安险).A.more B.less C.wider D.fewer2.We insure the goods _ your account.A.on B.at C.for D.with2022-12-2230Letter 5 Insurance Claim2022-12-2231Letter 5 Insurance Claim2022-12-2232Core Vocabularyosurveyor:调查员oC.I.F:
14、=cost,insurance and freight 成本加保险加运费oreplacement:代替Letter 5 Insurance Claim2022-12-2233Enhance Your Grammar1.The insurance company is responsible _ the claims.A.to B.on C.for D.with2.If you want to _ your goods against All Risks,we can provide such coverage at a slightly higher premium.A.protect B.g
15、uarantee C.cover D.guard2022-12-2234Mini CasePlease write a letter about your new request.You may use the ideas given below.oYou are the importer.With reference to your order and contract,you requested the exporter to insure the goods against All Risks for 130%of the invoice value.oNow,your company
16、wants it to be 150%of the invoice value.oYou may add some other details that you think reasonable.2022-12-2235Case Study2022-12-2236Case StudyBusiness Background:o 卖方公司:美国巧汁公司 Juicy Co.New York,USAo 买方公司:上海尚康健进出口公司 Shanghai Health-Top I/E Corp.2022-12-2237Case StudyBusiness Background:o美国巧汁公司(以下简称“巧
17、汁公司”)是一家生产榨汁机(juicer)的公司,产品功能强大、性价比高,出口中国、韩国等亚洲市场。上海尚康健进出口公司(以下简称“尚康健公司”)从巧汁公司订购了一批产品,并收到信函,此中提及巧汁公司已安排了较早一班货轮装运所订购产品。然而,尚康健公司发现随函附上的文件里没有保险单副本。巧汁公司也意识到忘记将保险单副本随函寄给尚康健公司,将写另一封信函给尚康健公司,信中告知保险单的相关事项:已按双方以往合作惯例为货物投保,即在中国远见保险公司(Foresight Insurance Company,China)为货物投保综合险,投保金额为发票金额的110%(110%of the invoice
18、 value),即45 000 美元。2022-12-2238Case StudyBusiness Background:o请以巧汁公司市场营销部经理托马斯库伯(Thomas Cooper)的语气及恰当的形式o给尚康健公司写这封信函。Key Words:保险单、投保、综合险Writing Guidance:o1.为未将保险单副本随函附上表示歉意;o2.告知对方已按双方合作惯例为货物投保;o3.再次致歉;o4.表示今后不会再发生此类情况。2022-12-2239Knowledge Salon2022-12-2240Knowledge Salon保险金额的确定与计算:o 被保险人向保险公司办理进出
19、口货物运输保险办法分逐笔投保和签订预约保险总合同两种。保险公司一般按到岸价格(CIF)加成10%计算(即发票金额的110%)。加成10%是作为国外买方的费用和预期的利润。出口货物保险金额和保险费可按以下公式计算:o 保险金额=CIF 价格110%(投保加成)o 保险费=CIF 价格110%保险费率2022-12-2241Knowledge Salon保险金额的确定与计算:o 进口货物保险金额和保险费一般按进口货物的CIF 货值计算。保险金额和保险费的计算公式如下:1.以离岸价格(FOB)条款成交的进口货物:o 保险金额=FOB 价格(1+平均运费率+平均保险费率)o 保险费=保险金额平均保险费
20、率2.以成本加运费(C&F)价格条款成交的进口货物:o 保险金额=C&F 价格(1+平均保险费率)o 保险费=保险金额平均保险费率2022-12-2242Knowledge Salon附加险 Additional Risks:1.一般附加险 General Additional Risks:o偷窃、提货不着险Theft,Pilferage&Non-delivery(TPND)o短量险 Risk of Shortageo混合玷污险 Risk of Intermixture&Contaminationo渗漏险 Risk of Leakageo碰损破损险 Risk of Clash&Breakage
21、o串味险 Risk of Odoro受热受潮险 Damage caused by Heating&Sweatingo包装破损险 Breakage of Packing Risko钩损险Risk of Hook Damageo锈损险 Risk of Rust2022-12-2243Knowledge Salon附加险 Additional Risks:2.特殊附加险Special Additional Risks:o战争险 War Risko罢工险 Strike Risko舱面险 On Deck Risko进口关税险 Import Duty Risko拒收险 Rejection Risko交货不到险 Failure to Deliver RiskThe End!
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