1、 There is an old chinese saying“A storm may arise from a clear sky;Something unexpected may happen any time”天有不测风云，人有朝夕祸福。天有不测风云，人有朝夕祸福。Insurance Contract(保险合同保险合同)1.Definition(1)保险合同是投保人与保险人约定保险权利义务关系的协议 An insurance contract is an agreement whereby the insurance rights and obligations are specifie
2、d and agreed by the applicant and the insurer.(2)投保人the applicant 是指与保险人订立保险合同订立保险合同，并按照保险合同负有支付保险费支付保险费义务的人。An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract.(3)保险人the insurer 是指与投保人订立保险合同，并承担赔偿或者
3、给付保险金责任的保险公司。An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.(4)被保险人the insured 被保险人是指其财产或者人身受保险合同保障，享其财产或者人身受保险合同保障，享有保险金请求权的人有保险金请求权的人，投保人可以为被保险人。The insured refers to anyo
4、ne whose property or person is protected by the insurance contract and who is entitled to claim for compensation.An applicant may be the insured.(5)保险目标The subject matter 保险目标是指作为保险对象的财产及其有关利益或者人的寿命和身体。The subject matter of the insurance refers either to the property of the insured and related inter
5、ests associated therewith,or to the life and the body of the insured,which is the object of the insurance.(6)保险事故insured event 保险事故是指保险合同约定的保险责任范围内的事故。An insured event refers to an event falling within the scope of cover under the insurance contract.(7)保险金额the insured sum 保险金额是指保险人承担赔偿或者给付保险金责任的最高限额
6、。The sum insured refers to the maximum amount which the insurer undertakes to indemnify or pay under its insurance obligation(8)保险费the premium 保险费是指投保人向保险人支付的保险合同规定的费用。The premium refers to the charge that the applicant pays to the insurer as specified in the insurance contract.Risks Coverage（险别）（险别
7、）中国保险条款中国保险条款C.I.C The China Insurance Clauses(C.I.C)was issued by Peoples Insurance Company of China(PICC)and was modified in 1981.1.1.Nearly all ocean marine cargo insurances procured in China are governed by C.I.C.C.I.C provides both basic risks coverage and additional risks coverage for marine c
8、argo transport.海洋运输货物保险的基本险(basic risks coverage)有三种。(1)平安险(FPA)：责任范围为自然灾害造成的全部损失或推定全损，船只搁浅、触礁、沉没、互撞、失火、爆炸等意外事故造成的全部或部分损失。Free from Particular Average(2)水渍险(WA或WPA)责任范围：除平安险的各项责任外，还负责由于恶劣气候等自然灾害造成的部分损失。With Particular Average(3)一切险(AR)：责任范围为除平安险、水渍险的各种责任外，还负责运输途中因一般外来原因所造成的全部或部分损失，但不是对一切风险造成的损失都赔偿。A
9、ll RisksGeneral Additional Insurance 一般附加险 There are several additional insurances as follows:(1)Theft,Pilferage and Non-Delivery(TPND)偷窃提货不着险(2)Fresh Water and Rain Damage淡水雨淋险(3)Risk of Shortage短量险(4)Risk of Leakage渗漏险(5)Risk of Crash and Breakage碰撞、破碎险(6)Risk of Odor串味险(7)Hook Damage钩损险(8)Damage
10、Caused by Sweating and Heating受潮、受热险(9)Breakage of Packing包装破裂险 (10)Risk of Rust锈损险Inquiring about Insurance Information Dear Sirs,Re:Inquiring about Insurance Information We shall have a consignment of 5,000 Stereo Sets assembled here in Shanghai Electronic Factory with components and auxiliary mat
11、erials supplied by Adlar Electronics Inc.Hongkong,valued at US$XXX,to be shipped from Shanghai China to XXX(Rotterdam)and wish to have this consignment to be insured by your Company.Therefore we are writing to enquire about the terms and conditions of different kinds of insurance.We would appreciate
12、 your sending us all of your information and quoting us your present insurance rates for different kinds of insurance at your earliest convenience.Truly yours,Notes:1).办理保险：办理保险：Arrange/cover/effect/provide/take out insurance2).Insurance 用法：用法：表示所保货物，表示所保货物，+on：on 100m/t of rice 投保的险别投保的险别,+against:
13、against All Risks 保额保额,+for:for 120%of the invoice value 保险费保险费/费率费率,+at:at the rate of 5%向保险公司投保，向保险公司投保，+with:with the PICC 3).与与insurance 搭配的搭配的N词组：词组：Insurance agent/amount/policy/certificate/coverage/declaration/claim 保险保险代理人代理人 /金额金额 /单（正式）单（正式）/凭凭证或收据证或收据/范围范围/声明书声明书/索赔索赔.Arrangement of Insur
14、ances办理保险办理保险Key sentences1.To insure WPA(FPA)投保水渍险（平安险）投保水渍险（平安险）请在你处投保平安险。请在你处投保平安险。Please insure FPA at your end.按按CIF价出售，我们一般投保水渍险。价出售，我们一般投保水渍险。We generally insure WPA on CIF sales.2.To insure(cover)against投保投保险险 我们已将货物投保一切险。我们已将货物投保一切险。We have insured the goods against All Risks.3.To effect（ar
15、range,cover,take out）insurance 投保投保 我们愿代你方投保。我们愿代你方投保。We will effect insurance on your behalf.由于我方是按由于我方是按CIF价订货的，应由你方投保价订货的，应由你方投保 As our order was placed on CIF basis,the insurance is to be arranged by you.4.To cover(insure)sb.on sth.为为投保投保 请为我们投保下列货物。请为我们投保下列货物。Please insure us on the following g
16、oods.5.To insurefor 按按金金额投保额投保 我们将按发票我们将按发票110%投保此货物。投保此货物。We shall insure the goods for the 110%of the invoice value.我们希望你方按发票金额加我们希望你方按发票金额加10%投保。投保。We wish you to insure the goods for the invoice value plus 10%.6.To insurewith向向投保投保 由卖方按发票金额由卖方按发票金额110%向中国人民保向中国人民保险公司投保一切险。险公司投保一切险。Insurance is t
17、o be effected by the sellers against All Risks FOR 110%of the invoice value with the Peoples Insurance Company of China.Claim Letters A claim or complaint letter is a request for an adjustment.Making complaints is never a pleasant business,but when a complaint is necessary it should be made with tac
18、t and restraint if it is not to impair future business relations.Be sure the claim is accurate and reasonable.Dear Sirs,Re:Claiming on Poor Quality With reference to your S/C No.XXX for XXX m/ts of wheat,shipped per SS“Queen Victoria”and discharged at the Destination Port XXX,we feel regrettable to
19、inform you that after inspection,we found about XX of the wheat bags were affected with damp,and XX of them even went moldy,we,therefore,are compelled to lodge our claims with you as follows:In order to support our claims,we enclose herein one copy of Inspection Certificate No.XXX together with our
20、Statement of Claims amounting to US$XXX.We are confident that you would give our claim your most favorable consideration and make your prompt settlement as early as possible.Truly yours,Notes 1).claim用法：用法：表示对货物索赔，表示对货物索赔，+on：claim on the goods对货物提出索赔对货物提出索赔表示向某人索赔表示向某人索赔,+against:claim against the
21、underwriters 向保险商索赔向保险商索赔 表示索赔的原因表示索赔的原因+for:claim for damage 因损坏提出索赔因损坏提出索赔表示索赔的金额表示索赔的金额+for:claim for US$100 索赔索赔100美元美元 2)和和Claim连用表示连用表示“提出索赔提出索赔”的词组的词组有：有：lodge a claim,register a claim,file a claim,raise a claim和和Claim组成的动词词组：组成的动词词组：accept a claim 同意索赔同意索赔 admit a claim 同意索赔同意索赔entertain a c
22、laim 受理索赔受理索赔 dismiss a claim驳回索赔驳回索赔reject a claim 拒绝索赔拒绝索赔 relinquish a claim 撤回索赔撤回索赔settle a claim 解决索赔解决索赔 waive a claim 放弃索赔放弃索赔Case Study 1 Plan your letter of claim as follows:1.Begin with a factual description of the problem.2.State clearly your reasons for complaining,ask for explanation a
23、nd explain what adjustment you seek.3.Refer to the inconvenience caused and suggest how matters could be put right.4.Conclude by expressing confidence in the expectation of a favourable and helpful reply.Adjustment Letters An adjustment is a remedy to a claim problem.Your response to a claim may be
24、positive or negative.Positive Replies(case study 1)Specifically you can organize your letter the following way:1.Give the good news first or try to get in step with your reader,thanking him or her for his or her thoughtfulness or agreeing with one of the writers comments.2.Explain the mistake.Dont b
25、lame employees;dont promise it wont happen again;dont say it was bound to happen.Just give a detailed explanation of the mistake.3.Close the letter with a friendly note.Negative Replies(case study2)Here are some suggestions that may help you write adjustment letters:1.Begin by making a pleasant open
26、ing statement and show your customer that you understand his or her problem and that his or her claim has been carefully considered.Express your concern over the writers troubles and your appreciation that he has written to you.In other words,begin with a buffer;dont state the refusal right away.2.E
27、xplain the reasons why the request cannot be granted in as cordial and noncombative manner as possible.3.Try to offer some partial or substitute compensation or offer some friendly advice(to take the sting out of the denial).4.Conclude the letter cordially,perhaps expressing confidence that you and the writer will continue doing business.
