1、Project 6Insurance任务：阅读一国外客户有关保险的来信任务：阅读一国外客户有关保险的来信目标：能准确理解来信目标：能准确理解来信Dear sir,We thank you for your letter of July 12,quoting us 500 metric tons of Intestine Casing(肠衣)on CIF terms.With regard to this transaction,however,we prefer to have your offers on CFR terms.For your information,we have effe
2、cted an open policy with the Lloyd Insurance Company,London.As soon as a shipment is made we are sure to inform the company of the particulars.Furthermore,we usually receive from our underwriters quite a handsome premium rebate regularly.open policy 预约保单 预约保单又称“开口保单”、“敞口保单”，是保险公司承保被保险人在一定时期内发运的，以CIF
3、价格条件成交的出口货物或以FOB CFR价格条件进口货物的保险单。预约保险单载明保险货物的范围、承保险别、保险费率、每批运输货物的最高保险金额以及保险费的计算办法。凡属预约保单规定范围内的货物，一经起运保险合同即自动按预约保单上的承保条件生效，但要求投保人必须向保险人对每批货物运输发出起运通知书，也就是将每批货物的名称、数量、保险金额、运输工具的种类和名称、航程起讫点、开航或起运日期等通知保险人，保险人据此签发正式的保险单证。预约保单主要适用于大量进出口货物运输保险。effect an open policy with 与洽谈预约保单The Lloyds Insurance Company 英
4、国劳埃德保险公司是当今世界保险业中信誉最高、名气最大、资金最雄厚、利润最多的一家大保险公司，它成立于1680年，迄今已有300多年的历史。The Lloyds Insurance CompanyThe Lloyds Insurance Company19121912年英国巨型客轮年英国巨型客轮“泰坦尼克号泰坦尼克号”触冰山触冰山沉没，近沉没，近 20002000人丧生，劳埃德又为此付出人丧生，劳埃德又为此付出了了250250万美元的赔款，这在当时都是令人咋万美元的赔款，这在当时都是令人咋舌的数字。舌的数字。particular We have carefully studied your re
5、quirements and shall take particular care to meet your wishes.The balance sheet is a statement of what a company owns and what it owes at a particular time.1.a.特别的，特殊的，特定的 资产负债表反映公司在特定时间的资产和负债情况。particular Our customers are very particular about the quality.2.a.讲究的，苛求的 我方客户对质量要求很严格。particular Please
6、 let us know the particular items you are interested in.3.a.个别的，具体的particular n.细节，详细情况 particulars of the goods 货物内容；货物明细单 We cannot execute your order for lack of particulars.没有详细说明，我们无法执行你方订单。particular average （海上保险）单独海损 in particular 特别，尤其 UL 是 美国保险商协会安检实验所（Underwriter Laboratories Inc.）的简写。成立于
7、 1894 年，是一家产品安全测试认证机构。目前 UL 共有近 800 多套标准，其中 75%被美国国家标准化组织（ANSI:American National Standard Institute）采用。underwriter n.1.承保商，保险商 underwriters 保险公司 Be sure to set out in your letter the reason for the claim against the underwriters.来信务必说明向保险公司索赔的理由。2.（证券等的）承销人，承销公司underwrite vt.to underwrite an insuran
8、ce policy 1.在上签名 Our company generally underwrites W.P.A.2.承保 Underwrite securities 3.包销（证券等）包销证券 The government has underwritten the development of the project.4.同意承担费用 政府承担该工程的开发费用。保险相关的人 insurer 保险人；保险商 insurance company 保险公司 underwriter 保险公司 the insured 被保险人；投保人 insurant 被保险人；投保人 assured 被保险人；投保
9、人 applicant 投保申请人 proposer 投保申请人 proposal form 投保申请单handsome a.相当大的，数量可观的 a handsome price 相当昂贵的价格 These goods will bring you a handsome profit.ad.大幅度地 Expenditure has increased quite handsome this year.今年的支出有了大幅度的增加。premium 1.n.保险费 extra premium 额外保险费费 premium rate 保险费率 premium rebate 保险费回扣 Insuran
10、ce of the goods is to be covered by us for 110%of the CIF value,and any extra premium for additional insurance,if required,shall be borne by the buyers.货物的保险将由我方以CIF价的110%投保。如果要求投保附加险，额外保险费将由买方自理。premium exchange premium 2.（货币、票据等的）升水；贴水；贴息 外汇升水，兑换溢价premium Shares are selling at a premium.3.溢价 股票按超出
11、票面价值出售。premium a premium offer If you buy two you get a premium of one more.买二赠一。4.(为推销商品而给的）优惠（如让价、附赠礼品等）随赠礼品premium a night shift premium 5.额外补贴，津贴；酬金 夜班津贴premium A premium of 2 per cent is paid on long-term investments.对投资期限较长者可获百分之二的奖励.6.奖励；奖金premium a.to pay a premium price for a small order 为小
12、批量订货付出高价格 to put a premium label on ordinary wine 在普通酒瓶上贴优质标签 a.优质的，高价的rebate n.export tax rebate 出口退税 Export rebate rate 出口退税率 1.(作为减免或折扣的）部分退款 Now theres an agreement system and we get the rebate immediately we ship.现在有一种合约制度，在货物装运后，我们立即得到回扣。2.回扣 Meanwhile would you please supply us with full deta
13、ils regarding the coverage handled by the Peoples Insurance Company of China for our reference?We look forward to hearing further from you soon.Yours faithfully,coverage coverage n.承保险别（总称），保险范围；投保额 We want a policy with a more extensive coverage.我方需要范围较广泛的保险单。Regarding insurance,the coverage is for
14、 110%of the invoice value up to the port of destination.关于保险，按110%的发票金额投保，至目的港为止。W.P.A.coverage is too narrow for a shipment of this nature.Please extend the coverage to include TPND.对这种性质的货物只投保水渍险是不够的，请加保偷窃提货不着险。p118常见的一般附加险常见的一般附加险三大基本险别：三大基本险别：FPAWPAAll Risks任务二 作为一名业务员（所在公司主营玩具的出口业务），请你根据以下内容，草拟
15、一份关于保险的信函。事由：你方第事由：你方第10231023号订单订购的号订单订购的500500箱玩具箱玩具 你方7月23日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。兹欣然通知你方：我们已与中国人民保险公司就上述货物投保了一切险，金额为9，800美元。保险单正在缮制中并将于本月底连同我方保险费索款通知单一并寄给你方。顺便告知，我们正在安排将这500箱玩具装运到8月12日启航的“太湖”轮上。投保 to arrange/cover/effect/provide/take out insurance for ones account 由支付 140 for the accou
16、nt of to be borne by to be responsible 按常规，额外保险费应由卖方负责。As a rule,the extra premium involved will be for buyers account.你方7月23日来函收悉，得知贵公司要求我们给标题项下的货物保险，费用由你方自理。We have received your letter dated 23 July requesting us to effect insurance on the captioned shipment for your account.cover v.n.保险 insure v
17、.保险 cover v.保险介词 表示所保的货物，后接on；表示所投保的险别，后接against(一切险，W.P.A和F.P.A前不加against）；表示保额，后接for；表示保险费或保险费率时，接at;We have covered insurance on the 100 metric tons of wool for 110%of the invoice value against All Risks.insurance at a slightly higher primium insurance at the rate of 15Sentence Patterns 1.to insu
18、re W.P.A(F.P.A)投保水渍险（平安险）Please insure F.P.A at your end.请在贵处投保平安险。We generally insure W.P.A on C.I.F sales.按CIF价出售的货物，我们一般投保水渍险。Sentence Patterns 2.to insure(cover)against 投保险 Please cover the goods against War Risks.请将货物投保战争险。We have insured the goods F.P.A and against All Risks.我们已将货物投保平安险和一切险。3.
19、to arrange(effect,cover,take out)insurance投保 As our order was placed on a CIF basis,the insurance is to be arranged by you.由于我方是按CIF价订货的，应由你方投保。We will effect insurance on your behalf.我方愿代贵方投保。Have you taken out insurance for us on these goods?贵方是否已代我方对此货物投保？4.to cover(insure)sb.on sth.Please insure
20、 us on the following goods.请为我方投保下列货物。5.to insurefor按金额投保 We shall insure the goods for 110%of the invoice value.我方将按发票金额110%投保此货物 We wish you to insure the goods for the invoice value plus 10%我方希望贵方按发票金额加10%投保。6.to insure with向投保 We usually insure with the Peoples Insurance Company of China for the
21、 goods sold on CIF basis.我方一般对按CIF价出售的货物向中国人民保险公司投保。Insurance is to be effected by the sellers against All Risks for 110%of the invoice value with the Peoples Insurance Company of China.由卖方按发票金额110%向中国人民保险公司投保一切险。cover v.Carriage is not covered by quotation.报价中不包括运费。1.包括；涉及 We wish to cover the good
22、s WPA.2.给投保；投保（险别）cover v.The damage was covered by the insurance company.这笔损失赔偿金由保险公司清偿。3.弥补；抵偿（损失等）；负担支付 If you insist on your original quotation,we will have to cover requirements elsewhere.4.购进cover n.1.封面 hard cover 精装书 Do you have sufficient cover for this loan?你有足够的保证金作为这笔贷款的抵押吗？2.额外收费；保证金；信贷
23、准备金debit debit note 借方通知；索款通知单 debit an amount to ones account debit ones account with an amount 把一笔金额记入某人帐户的借方 His account with the Bank of China had been debited with the sum of$5 for half-yearly bank charges.参考答案 We are pleased to inform you that we have covered the above goods with the Peoples I
24、nsurance Company of China against All Risks for$9,800.The policy is being prepared accordingly and will be sent to you by the end of this month together with our debit not for the premium.For your information,we are making arrangements to ship the 500cases of toys by S/S Tai Hu sailing on or about 1
25、2 of August.词汇补充、课文串讲 课本P116 The underwriters declined to pay the claim,not that breakage was uncovered,but that the risk was insured with 10%franchise.保险商拒绝支付此项索赔，不是因为没有投保破碎险，而是因为这种险是按百分之五的免赔率承保的。franchise：免赔率 118小知识免赔率 免赔率是指不赔金额与损失金额的比率。免赔率分为相对免赔率与绝对免赔率两种。保险公司认为某些易碎、易短量的商品在运输途中遭受一定比例的损失是不可避免的，故投保这
26、类商品规定在某百分比范围的破碎或短量可以免赔，该百分比就是免赔率。投保的商品实际损失比率超过规定的免赔率时，保险公司只负赔偿超过免赔率的部分，这种赔偿的比率叫作绝对免赔率。投保的商品实际损失比率起过了规定的免赔率时，保险公司负责赔偿实际全部损失，这种赔偿的比率叫做相对免赔率。franchise n.Distributor desires to secure an exclusive franchise to market the product in Japan.经销商希望取得在日本销售产品的独家特许权。n.特许；特许权；特许经销权 a franchise agreement 特许专营协议 a
27、 franchise shop 特许专营店franchise v.The corporation has just franchised our local dealer.该公司刚刚给我们本地的经销商授予特许经营权。franchiser/franchisor 授予特许者 franchisee 特许经营人survey n.v.调查；检查；观察 survey report 检验报告；公正报告；调查报告 call for 要求；规定；需要 付款将采用售货合同规定的即期信用证方式。Payment is to be made by L/C at sight as called for in the sa
28、les contract.The agreement in question calls for your working out business to the amount of$500000.该协议书要求你们做成50万美元的生意。deduct v.扣减；减去 We will deduct the premium from your commission of 5%payable to you.我们将从支付你方的5%的佣金中扣除保险费。remains remains=remaining=leftover n.剩下的；残余的；余额 The remaining is going to be s
29、hipped by the first available steamer in the earlier part of May.剩余的货物将于5月初利用第一班轮船发运。proceeds n.Proceeds from the concert will go to charity.音乐会的收入将捐赠给慈善事业.proceeds n.收益,收入;实收款项 proceeds from sales 销售收入 proceeds of business 营业收入proceed vi.The negotiations are proceeding slowly.1.进行 Once we receive y
30、our reply,we will proceed to talk with them again.一收到你方的答复，我们就会和他们继续洽谈。2.继续进行proceed vi.We shall proceed against you if you do not pay within 30 days.若你方30天内不付款，我们将起诉你方。3.起诉 rate n.比率；率 a rate of interest 利率 a rate of foreign exchange 外汇汇率 the rate of profit 利润率课内检验：阅读理解练习翻译练习 In reply to your lette
31、r of February 24 regarding insurance,we would like to advise you of the following:Your customers request for insurance coverage up to the inland city is acceptable on the condition that such extra premium is for his account.on condition that 只有在这样条件下 We accept your offer on condition that you agree
32、to pack the goods in small cases.只有在你方同意将此货装在小箱内的条件下，我们才能接受你方的报盘。翻译练习 And generally we cover insurance WPA and War Risk in the absence of definite instructions from our clients.We usually cover insurance WPA and against War Risks in the absence of the buyers detailed requirements.在买方没有具体要求的情况下，我们一般投
33、保水渍险和战争险。in the absence of 在没有（的情况下）；在缺乏（的情况下）grant v The bank refused to grant them export credit.银行拒绝给他们提供出口信贷。1.同意，准予，授予 We grant the truth of what you have mentioned in your letter.我们承认你方在信中所言属实。2.承认翻译练习 If you want to cover All Risks,we can provide such coverage at a slightly higher premium.Sin
34、ce Breakage is a special risk,an extra premium will have to be charged.The present rate is about 0.7%.Claims are payable only for that part of the loss,that is,over 5%.索赔赔偿只赔偿超过5%的那部分。In connection with the value to be insured,we cannot grant you insurance coverage for 150%of the invoice value,as th
35、e contract stipulates that insurance is to be covered for 110%of the invoice value.grant n Students in this country receive a grant from the government.这个国家的学生可得到政府的助学金。1.授予物;奖学金,助学金,补助金 2.财产转让补充词汇：charge(s)n.费用 That can be arranged provided you bear the additional charges.如贵方负担增加的费用，那就能安排照办。我方将免费寄送
36、这些样品。We shall send you the samples free of(without)charge.如贵方需要手套一副一副地包装，总共还要一笔500美元的费用。If you require individual packing for the Gloves,there will be a charge of USD$500 in all.remitinto ones account 将汇入某人的帐户 收到样品后，我方就把500美元的货款汇入贵方帐户。We shall remit USD$500 into your account upon receipt of the samp
37、les.Please send documents to us direct and we will remit.请将单据直接寄来，货款由我方汇去。We trust the above information serves your purpose.Meanwhile we await your reply.我方相信以上所述符合贵方的要求并等候贵方答复。serve v.符合，适合 This is to certify that this Company has insured on behalf of China National Light Industrial Products Impor
38、t&Export Corp.,Shanghai Branch.兹证明本公司代表中国轻工产品进出口公司，上海分公司办理了保险。This is to certify that兹证明（多用于句首）This is to certify that we,the undersigned,have inspected/tested the quality of the above-mentioned goods and found the result as follows:兹证明所列商品，其品质经我方检验，结果如下：on(in)behalf of/on ones behalf代表，为了 We wish t
39、o thank you on behalf of the endusers.我方愿代表用户向船主致谢。Please claim on our behalf against the ship owners who are evidently responsible for this loss.显然，船主要对这一损失负责，请代表我方向船主提出索赔。基本句型听力训练 1.We have covered insurance on 1,000 cases of beer for 110%of the invoice value against all risks.我们已将一千箱啤酒按发票金额的百分之一百
40、一十投保一切险。2.If you desire us to insure against a special risk,an extra premium will have to be charged.如你想投保特殊险别，将向你收取额外保费。3.This risk is coverable at a premium of 0.25%.该险别的保险费是百分之零点二五。4.The insurance company insures this risk with 5%franchise.保险公司保这种险有百分之五的免赔额。5.After loading the goods on board the
41、ship,you must go to the insurance company to have them insured.货船装船后，你必须找保险公司为货物投保。6.We can serve you with a broad range of coverage against all kinds of risks for sea transport,such as Free of Particular Average(F.P.A.),With Particular Average(W.P.A.),All Risks and Extraneous Risks.我们可以承保海洋运输的所有险别，
42、如：平安险、水渍险、一切险 和附加险。7.W.P.A.plus Risk of Breakage suit your consignment.贵方货物适合于投保水渍险及破碎险。8.The premium is calculated according to the premium rate or rates for risks to be covered.保险费是根据投保险别的保险费率计算的。9.They will undertake to compensate you for the losses according to the risks insured.他们将根据所投保的险别，对损失负
43、责赔偿。10.We are able to cover all kinds of risks for transportation by sea,land and air.我们可以办理海运、陆运和空运的所有险别。11.We wont have such a risk included,as it is not stipulated in the Ocean Marine Cargo Clauses.我们不能投保此项险别，因为海洋运输条款中没有包括这一险别。12.Do you cover risk other than W.P.A.and War Risk?除了水渍险和战争险外，你们还保其他险吗
44、？13.As a rule,the extra premium involved will be for buyers account.按常规，额外保险费应由买方负责。14.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百分之一百一十。15.How long is the period from the commencement to termination of the insurance?保险责任的起讫期限有多长？16.We adopt the wa
45、rehouse-to-warehouse clause that is commonly used in international insurance.我们采用国际保险中常用的“仓至仓”的责任条款。17.According to international practice,we do not insure against such risks unless the buyers call for them.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。18.Breakage is a special risk,for which an extra premium will have to be charged.破碎险是一种特别险，需收取额外保险费。19.Because they arent delicate goods and not likely to be damaged on the voyage.因为这些不是易碎易损的货物，航行中不大可能被损坏。
