PracticalBusinessWritingInsuranceUnderstandthebasicstructureofinsurancelettersLearnsomeusefulphrasesandsentencespatternsforaneffectiveinsurancelettersProduceyourowninsurancelettersUnit6-Task2Whatarethefunctionsofinsuranceintheforeigntrade?Whattypesofriskwouldtherebe?Warming-upQuestionsBackground在國際貿(mào)易里，貨物的運送過程中可能出現(xiàn)很多不可抗拒的風(fēng)險。如貨物運輸過程中會受損、丟失等。因此給貨物投保是國際貿(mào)易的一個很重要的環(huán)節(jié)。風(fēng)險Risks海上風(fēng)險PerilsoftheSea自然災(zāi)害NaturalCalamity意外事故FortuitousAccidents外來風(fēng)險ExtraneousRisks一般外來風(fēng)險GeneralExtraneousRisks特殊外來風(fēng)險SpecialExtraneous損失Losses海上損失PerilsoftheSea全部損失TotalLoss實際損失ActualTotalLoss推定全損ConstructiveTotalLoss部分損失PartialLoss共同海損GeneralAverage單獨海損ParticularAverage其他損失一般外來損失特殊外來損失Coverage

險別Thecontractofinsuranceismadeintheformofaninsurancepolicyorinsurancecertificate.Coverage

險別amountinsured投保的金額

TherearethreeprincipleperilsunderOceanMarineCargoClaueses:FPA(FreefromParticularAverage平安險WA/WPA(WithAverage/WithParticularAverage)水漬險A/R(AllRisks)一切險Therearetwoadditionalrisks:GeneralAdditionalRisks

一般附加險SpecialAdditionalRisks

特別附加險在國際貨物運輸過程中，由哪一方負(fù)責(zé)辦理國際貿(mào)易運輸保險投保，應(yīng)根據(jù)買賣雙方商訂的價格條件來確定。例如按F.O.B.條件和C.F.R.條件成交，保險即應(yīng)由買方辦理；如按C.I.F.條件成交，保險就應(yīng)由賣方辦理。BackgroundFOB,CFR,CIF的區(qū)別FOB(FreeonBoard)船上交貨CFR(CostandFreight)成本加運費，船上交貨CIF

(Cost,InsuranceandFreight)成本加保險費加運費，船上交貨三者相同，僅用于海運或內(nèi)河運輸。FOB：賣方交貨，買方辦理運輸手續(xù)。CFR：賣方代辦運輸手續(xù)，支付運費；但由買方承擔(dān)運輸途中的風(fēng)險和費用。CIF：賣方代辦辦理運輸和保險手續(xù)；但由買方承擔(dān)運輸途中的風(fēng)險和費用。至于付款，可以在合同約定付款方式，一般T/T,L/C常用些。Whatshouldbespeciallyincludedonaninsuranceletter?Firstmentiontherelevantgoodsordocumentnumbersothatthereceivergetsaclearideawhichtradeisabout.Thenclarifythepurposeofwriting.Toarrangetheinsuranceortoamendtheinsuranceclauses,etc.Finally,expressexpectationsorgivefurtherinformation.Sample1LanguagePointsWewishtoreferyoutoourOrderNo.113for400casesofpottery,fromwhichyouwillseethatthis

orderwasplacedonCFRbasis.我方想請貴方留意我方訂購了400箱陶器的113號訂單，這個訂單是基于成本加運費的。Sample1LanguagePointsAswenowdesiretohavetheshipmentinsuredatyourend,weshallbemuchpleasedifyouwillkindlyarrangetoinsurethesameonourbehalfagainstAllRisks

for110%oftheinvoicevalue,i.e.USD3,300.我們現(xiàn)在希望貴方投保，如果貴方可按發(fā)票金額的110%,即3300美元來投全保，我方將非常感謝。Sample1LanguagePointsWeshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnoteor,ifyoulike,youmaydrawonusatsightforthesame.我方將在收到或者看到貴方的收款單后立刻返還保費給貴方。premium保費uponreceipt在收到......之后debitnote

借記單，賬單Sample2LanguagePointsWethankyouforyourletterofJune30,requestingustoeffectinsuranceon

thecaptionedshipmentforyouraccount.感謝貴方6月30日要求我們投保標(biāo)題下的貨物而保費由貴方自理的來信。Sample2LanguagePointsWearepleasedtoconfirmhavingcoveredtheaboveshipmentwiththePeople'sInsuranceCo.ofChinaagainstAllRisksforUSD3,300.我們很高興通知貴方，我們已經(jīng)在中國人民保險公司給上述的船運投了全保，保費為3300美元。AllRisks

綜合險，全險Sample2LanguagePointsThepolicywillbesenttoyouinadayortwotogetherwithourdebitnoteforthepremium.保險單將在一到兩天內(nèi)連同保費賬單一同寄給貴方。Sample3LanguagePointsPleaserefertoourOrderNo.A135for10,000M/TRockPhosphate,fromwhichyouwillcertainlynotethatthisorderisplacedonCIFbasis.敬請參考我們購買1萬公噸磷礦石的合同號為A135的訂單，該訂單清楚地表明此訂單是由賣方代辦辦理運輸和保險手續(xù)的。M/T(metric

ton)公噸Sample3LanguagePointsPleaseseetoitthattheabove-mentionedgoodsshouldbeshippedbeforeOctober20andthattheshipmentshouldbecoveredWPAfor130%oftheinvoicevalue.

請注意，上述貨物應(yīng)在10月20日前裝運，并按發(fā)票金額的130%投保水漬險。WPA

(WithAverage/WithParticularAverage，簡稱WA/WPA)水漬險，又稱“單獨海損險”，英文原意是指單獨海損負(fù)責(zé)賠償，海洋運輸貨物保險的主要險別之一。Sample3LanguagePointsWeknowthataccordingtoyourusualpracticeyouinsurethegoodsonlyfor10%abovetheinvoicevalue;thereforetheextrapremiumwillbeforouraccount.我們知道按照你方慣例，你方只按發(fā)票金額的10%投保，因此額外保險費將由我們負(fù)擔(dān)。Sample4LanguagePointsOngoingthroughthestipulationsofyourcredit,weregrettofindthatinadditiontoFPAandWarRisk,yourequireinsurancetocoverTPNDandSRCCwhichwerenotagreeduponbybothpartiesduringournegotiationsattheFirstBeijingInternationalFair.關(guān)于你方信用證的規(guī)定，我們很遺憾地發(fā)現(xiàn)，除了平安險和戰(zhàn)爭險外，你方要求投保偷竊提貨不著險和罷工暴動民變險，這兩個附加險在第一次北京國際商品交易會的談判中雙方并沒有提及。Sample4LanguagePointsFPA(FreefromParticularAverage)平安險WarRisk

戰(zhàn)爭險TPND(Theft，PilferageandNon-Delivery)偷竊，提貨不著險SRCC(Strike,RiotandCivilCommotion)

罷工暴動民變險Sample5LanguagePointsWehavereceivedyourletterdated14thJulyandarepleasedtonotethatyouwouldliketoinsurewithusashipmentofGlasswarefromTianjintoNewYorkbysea.我們很高興收到你方7月14日的來信，從信中得知你方想向我們投保一批從天津船運到紐約的玻璃器皿。Sample5LanguagePointsWewouldadvisethattheratenowbeingchargedbyusfortheproposedshipmentagainstAll