1、Unit 12 Insurance商務英語函電商務英語函電Unit 12 InsuranceContentContentKnowledge ObjectiveKnowledge ObjectiveSkill ObjectiveSkill ObjectiveWarm UpWarm Up Business Situational Design Business Situational Design Specimen Letters Specimen Letters Notes Notes Trade Terms and Typical Sentences Trade Terms and Typic

2、al SentencesPractice TrainingPractice TrainingSkill TrainingSkill Training Summary of ProjectSummary of ProjectKnow the basic knowledge of insurance, such as insurance clauses, types of insurance and insurance coverageGrasp the letter structure of insuranceGrasp the professional words, expressions,

3、and typical sentences about insuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectKnowledge ObjectiveKnowledge Objective商務英語函電Unit 12 InsuranceSkilled at writing and replying b

4、usiness letters related with insuranceTo solve the insurance issues in business negotiationKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of Project商務英語函電Unit 12 InsuranceInsurance covers

5、all damages or loss of the goods in ocean transportation, land transportation, and air transportation and provides considerable benefit and financial advantages. In international business, the ocean transportation is the most significant and the most common way.The parties of insurance include insur

6、er/underwriter, insured/insurant, insurance agent/broker, and claimant.Generally, there are three types of basic risks: Free from(of) Particular Average(short as FPA or F.P.A), With Particular Average(Short as WPA or W.P.A or WA), and All Risks. The coverage of FPA are as following:1) Total loss2) P

7、articular Average (P/A) caused by stranding, sinking, or burning3) P/A attributed to fire, explosion, collision or contact of the vessel and/or conveyance with any external substance other than water4) Any package which totally lost in loading, transshipment or discharge5) P/A attributed to discharg

8、e of cargo at a port of distress6) Special charge for landing, warehousing and forwarding at an intermediate port of call or refuge7) General Average (G/A) sacrifice and G/A expenditureThe coverage of WPA includes the coverage of FPA and damage to cargo by heavy weather.KnowledgeObjectiveSkill Objec

9、tiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectWarm UpWarm Up商務英語函電Unit 12 InsuranceThe coverage of WPA includes the coverage of FPA and damage to cargo by heavy weather.The coverage of All Risks includes th

10、e coverage of FPA and WPA and physical loss or damage from any external cause except exclusions.In addition to the Basic Risks, there is additional risks including general additional risks and special additional risks. The coverage of them is as following:KnowledgeObjectiveSkill ObjectiveWarm UpBusi

11、nessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectWarm UpWarm UpGeneral Additional RisksSpecial Additional RiskTheft, Pilferage and Non- delivery(T.P.N.D)Failure to Deliver RiskFresh Water and/or Rain DamageImport Duty RiskRi

12、sk of Shortage in WeightOn Deck RiskRisk of LeakageRejection RiskRisk of Intermixture and ContaminationAflatoxin RiskRisk of Clash and BreakageStrikes RiskRisk of OdourSellers Contingent RiskSweating and Heating RiskWar RiskHook Damage RiskFire Risk Extension Clause for Storage of Cargo at Destinati

13、on Hong Kong Including Kowloon, or Macao (F.R.E.C)Breakage of Packing RiskRisk of Rust商務英語函電Unit 12 InsuranceThe main insurance documents include the policy/floating policy, insurance certificate, open policy/cover, and cover note.The information is just on marine cargo insurance in general and alwa

14、ys subject to the terms and conditions of each specific policy or certificate.KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectWarm UpWarm Up商務英語函電Unit 12 InsuranceSituation:Gewoo

15、Telecom (Shenzhen) Ltd. is specialized in E-business of GF mobile phone. Recently, it establishes business relations with an Australian trade companySouthshore Trade Company. That company plans to purchase 5,000 sets of GFive G330 and GFive E650 separately. The negotiation between them is turning to

16、 insurance terms.KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectBusiness Business Situational DesignSituational DesignTask:You are William Lu, the sales representative from South

17、shore Trade Company.1Write letters to discuss the insurance terms with Gewoo Telecom Ltd.2Solve the problems during in the negotiation.3Reach an agreement with your business associate.商務英語函電Unit 12 Insurance1Buyer requests for insuranceSampleSampleDear Mr Wang,We wish to refer you to our order No.12

18、53 for 500 cases of Chinese Chinaware, from which you will see that this order was placed on CFR basis.As we now desire to have the consignment insured at your end, we shall be much pleased if you will kindly arrange to insure that same on our behalf against All Risks and Breakage Risks at invoice v

19、alue plus 10%.We sincerely hope that our request will meet with your approval.Yours sincerely,Pierre SabotPurchasing ManagerKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecime

20、n LettersSpecimen Letters商務英語函電Unit 12 Insurance2Replying the above letterSampleSampleDear Mr Sabot,In compliance with your letter about insurance for your order No.1253 for our Chinese Chinaware, we would like to inform you of the following:All Risks: Generally we cover insurance War Risk in the ab

21、sence of definite instructions from our clients. If you desire to cover All Risks, we can provide such coverage at a slightly higher premium.Breakage Risks: Breakage is a special risk, for which an extra premium will have to be charged. The present rate is about 0.6%. Claims are payable only for tha

22、t part of the loss, that is over 5%.In addition, we note that you wish us to insure shipments to you for 10% above invoice value, which is having our due attention.We believe that the information will serve your purpose and we await your reply.Yours sincerely,Sen WangExport ManagerKnowledgeObjective

23、Skill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen Letters商務英語函電Unit 12 Insurance3 3 Seller insuring for buyerSampleSampleDear Mr Bentley,We wish to insure the following consi

24、gnment against All Risks for the sum of US$ 10,000.100 c/s LOUIS VUITTON leather Goods, marked 1-100These goods are now lying at No.23 Dock, Hamburg, waiting to be shipped by vessel “HUSKY RUNNER”, due to leave for Shanghai on June 2.We require immediate cover as far as Shanghai and shall be gratefu

25、l if you will let us have the policy as soon as it is ready. In the meantime please confirm that you hold the consignment covered.We are looking forward to your early reply.Yours sincerely,Joe YangKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and

26、Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen LettersAS商務英語函電Unit 12 Insurance4 4Replying the above letterSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice Training

27、Skill TrainingSummary of ProjectSpecimen LettersSpecimen LettersDear Mr Yang,Thank you for your letter of May 23 asking us to cover the consignment of 100 cases of LOUIS VUITTON leather goods from Hamburg to Shanghai.The premium for this is at the rate of 0.9% of the declared value of US$ 10,000The

28、policy is being prepared and will be sent to you within two days. Meanwhile, we confirm that we hold the consignment covered as from today.Yours sincerely,David Bentley商務英語函電Unit 12 Insurance5 5Asking for a Special Rate of insuranceSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituatio

29、nal DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen LettersDear Mr Andrew,We regularly ship consignments of bottled rye and bourbon from London to Hong Kong by both passenger and cargo liners of Newest Shipping Lin

30、e. We would like to know whether you can issue an All Risks policy for these shipments and, if so, please inform us your terms. In particular, we will be pleased if you can issue a special rate in return for the promise of regular monthly shipments.We are expecting your early reply.Yours sincerely,M

31、arco Hu商務英語函電Unit 12 Insurance6Replying the above letterSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecimen LettersDear Mr Hu,We are replying to y

32、our letter about special rate of insurance. Our rate for wine products like your consignments by Newest Shipping Line from London to Hong Kong is 1.This is an exceptionally low rate and we trust you will give us the opportunity to handle your insurance business.We are looking forward to your favorab

33、le reply.Yours sincerely,Peter Andrew商務英語函電Unit 12 Insurance7Request for amendment to insurance clauseSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersS

34、pecimen LettersDear Mr Laver,We refer to your L/C No.325 covering vases, which we have just received. Please note that we do not cover insurance against breakage. Therefore, please delete the words “breakage” from the insurance clause in the L/C.Furthermore, we wish to point out that for such articl

35、es as porcelains, glasses, etc, even if additional Breakage Risk has been insured, the cover is subject to a franchise of 8%. In other words, if the breakage is surveyed to be less than 8%, no claim for damage will be entertained.We trust we are all clear about this situation. We are looking forward

36、 to your early reply.Yours sincerely,Thomas Chen商務英語函電Unit 12 Insurance8Replying the above letterSampleSampleKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectSpecimen LettersSpecim

37、en LettersDear Mr Chen,Thank you for your letter about the amendment to insurance clause in our L/C No.325Be assured that we shall delete the words “breakage” and send the verified L/C to you in two days.With reference to a franchise of additional Breakage Risk, we are ware of that and thank you for

38、 your kind notice and statement.We are looking forward to our further cooperation.Yours sincerely,Mark Laver商務英語函電Unit 12 Insurance1cover v. 涉及，有關(guān)如：The survey covers all aspects of this business. 調(diào)查涉及這家企業(yè)的各個方面。cover v. 保險 cover sb./sth. against如：We confirm that your house is covered against fire ris

39、ks for 20,000.我們確認你的房子投保了兩萬英鎊的火災保險。如：The policy covers fire and theft risks.此保險單承保的是火險和盜竊險。cover n. 保險類別，保險范圍 coverage如：WPA coverage is too narrow for this shipment, please extend the coverage to include TPND.對于這批貨物來說，水漬險的保險范圍太窄了，請增加偷竊提貨不著險。KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational

40、 DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes商務英語函電Unit 12 Insurance2insure v. 投保，給保險 insurer n. 承保人 insurance n.保險insure sth/sb. against+保險類別 insure sth./sb. for + 保險金額insure sth./sb. at + 保險費率 insure sth./sb. with + 保險公司如：T

41、he painting is insured against theft for US $100 million.這幅畫投保了100萬美元的偷竊險。3franchise n. 免賠率如：The insurance company insures this risk with 5% franchise.保險公司承保此種險別有5的免賠率。4survey v. n. 調(diào)查、查看如：The insurance company needs to carry out a survey after the fire.火災后保險公司需要進行查勘。a survey report 查驗報告KnowledgeObj

42、ectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes5claim v. n. 索賠如：You can claim on your insurance for the lost goods.你方可根據(jù)所投的保險索賠丟失的貨物。如：You can lodge a claim on your insurance polic

43、y.你可按保單索賠。商務英語函電Unit 12 Insurance6for your account 由你方承擔如：We shall remind you that the extra premium is for your account.我們特別提醒你方多出的保險費由你方承擔。7take note of 注意如：Please take note of franchises.請注意免賠問題。KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and

44、 Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes8與保險有關(guān)的術(shù)語premium n. 保費 premium rate 費率policy n. 保險單average n. 損失，海損partial loss 部分損失 total loss全部損失special rate of insurance 特別費率Particular average 單獨海損，縮寫為P/AGeneral average 共同海損，縮寫為G/AFree from(of) Particular Average 平安險，

45、縮寫為FPAWith Particular Average 水漬險，縮寫為WPA商務英語函電Unit 12 InsuranceAll Risks 一切險insurance certificate保險憑證floating policy流動保單open cover/Policy 預約保單cover note 暫保單（或保險證明）The Peoples Insurance Compamy of China, PICC 中國人民保險公司China Insurance Clauses, C.I.C 中國保險條款Ocean Marine Cargo Insurance Clauses 海洋運輸貨物保險條款

46、KnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectNotesNotes商務英語函電Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms

47、 and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectTrade Terms and Typical SentencesTrade Terms and Typical Sentences1Since the cause of the damage is within the coverage of the insurance policy, you should claim compensation from the insurance company concerned.由于損壞的原因在保險單的保險范圍之

48、內(nèi)，你們應該向有關(guān)的保險公司要求賠償。2To prove the shortage, we enclose a certificate of CCIC.為了證明貨物短量，我們隨信附上了一份中國檢驗認證（集團）有限公司所出具的檢驗證書。3Please let us know immediately the detailed risks you wish to insure against for your shipment in question.請你方立即告訴我們對你方該批貨物要投保的詳細險別。4In the absence of definite instructions from our

49、clients, we generally cover WA, War Risk and Strikes Risk.在我們沒有收到客戶明確通知的情況下，我們一般投保水漬險、戰(zhàn)爭險和罷工險。5The insurance company insures this risk with 6% franchise.這家保險公司承保這種險別有6%的免賠率。商務英語函電Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and T

50、ypical SentencesPractice TrainingSkill TrainingSummary of ProjectTrade Terms and Typical SentencesTrade Terms and Typical Sentences6We insist that the wooden cases must be reinforced by steel straps and meanwhile the shipment be insured against pilferage.我們要求木箱用鋼條加固，同時，貨物必須投保偷竊險。7The goods under con

51、tract No.1533 are ready for shipment. Please inform us immediately the details for the insurance you wish to cover for the consignment.編號為1533合同項下的貨物現(xiàn)已備好待運，請貴方立即告知你們想給貨物投保的險別等詳細信息。8Please see to it that the above mentioned shipment should be covered for 110% of invoice value against All Risks.請務必將上述

52、運輸貨物按發(fā)票金額的110%投保一切險。9We have learnt that according to your usual practice, you insure the goods only for 10% above invoice value, therefore the extra premium will be for our account.我們得知按照你們的慣例，你們只按發(fā)票金額的10%加成投保，因此，額外的保險費將由我方承擔。10We are willing to arrange insurance on your behalf.我們愿意代你方投保。商務英語函電Unit

53、 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectTranslate the following expressions into Chinese. 1insurance coverage2insurance policy3insurance agent4for 110% of inv

54、oice value5for 10% above invoice value 6insurance at a rate of 5%7to arrange/cover/effect/provide/take out insurance 8with 4% franchise9insurance on the 5 tons of cotton10insurance against War Risks1保險責任范圍2保單3保險公司4按發(fā)票金額的110%投保5按發(fā)票金額加成10%投保65%的保險費率7投保84%免賠率9為5噸棉花投保10投保戰(zhàn)爭險Practice TrainingPractice Tra

55、ining商務英語函電Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Terms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectChoose the best answer.1As requested, we the captioned shipment against All Risks for US$ 10,000.A. cov

56、er B. buyC. purchaseD. insurance2Today we send you our No. 2341, in duplicate. Please note.A. insurance bill B. bill of insurance C. insurance policy D. note of insurance3This policy us against Breakage Risk.A. effects B. executes C. covers D. insures.4With reference to insurance, the is for 110% of

57、 invoice value.A. coverage B. range C. field D. scope5Please make sure that you the goods against TPND.A. effect B. execute C. protect D. insurePractice TrainingPractice TrainingACDAD商務英語函電Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade T

58、erms and Typical SentencesPractice TrainingSkill TrainingSummary of ProjectChoose the best answer.6Our goods are liable to change by itself, you had better insure the shipment of your order the risk of deterioration.A. on B. for C. against D. about7The insured amount should be 110% of the .A. invoic

59、e value B. unit price C. all costs D. bill of lading8 is to be made in four equal lots beginning from July, with transshipment at Singapore.A. Ship B. Shipper C. shipment D. shipping9Please note that the extra will be for your account.A. premium B. bills C. price D. costs10Since the goods have been

60、covered by insurance, we would recommend you to apply to the insurance company concerned for_ A. money B. payment C. compensation D. feedback.Practice TrainingPractice TrainingCACDC商務英語函電Unit 12 InsuranceKnowledgeObjectiveSkill ObjectiveWarm UpBusinessSituational DesignSpecimen LettersNotesTrade Ter