外貿函電Insurance

（保險）

Lesson43Lesson44Lesson45Lesson46Lesson47A主要內容Lesson47BObjectivesbefamiliarwiththerisksfrequentlyused.beabletousethewordsandexpressionswidelyusedininsurance.beabletodiscusstheinsurancetermswithforeigncompanies.ObjectivesWithParticularAverage(WPA)BasicCoversFreeFromParticularAverage(FPA)AllRisks(A.R.)Warming-UpTheftPilferage

and

Non－deliveryRisk-T.P.N.DFresh

and/or

Water

Rain

Damage--FRWDclashandbreakageriskLeakageRiskHookDamageInter-mixture

and

ContaminationRiskRustRiskShortage

RiskTaintof

OdorRiskBreakage

of

Packing

RiskSweating

and

Heating

DamageGeneralAdditionalRiskFailure

to

Deliver

RiskImport

Duty

RiskOn

Deck

RiskAflatoxin

RiskRejection

RiskWar

RiskStrikesRiskFireRiskExtensionClauseForStorageofCargoatDestinationHongKong,IncludingKowloon,orMacao，簡稱F.R.E.CSpecialAdditionalRisk43AskingtheExportertoCoverInsuranceWhowilleffectinsurance?

Usuallyinsuranceisarrangedbytheexporterortheimporterapproachinganinsurancecompany,whichhasadepartmentspecializingincargoinsurance.Whowilleffectinsurancedependsontheparticulartradetermsadopted.UnderCIFterms,itisthesellerwhoarrangesinsurancewithaninsurancecompany.UnderthetermsofFOB,CFR,etc.,thebuyereffectsinsurance,buthemayaskthesellertoarrangeinsuranceonbehalfofthebuyer.

DearSirs,WeshallbegladifyouwouldcoverustoextentofUS$78,800at6%on400CasesPottery.ThesegoodsarenowlyingatNo.31Dock,DalianPort,waitingtobeshippedbyS.S.“HUOJU”,duetoleaveforRotterdamMay26.WerequireimmediatecoverageasfarasRotterdamandweshouldbeobligedifyouletushavethePolicyassoonasitisready.Inthemeantimepleaseconfirmthatyouholdtheconsignmentcovered.Yoursfaithfully,保險當事人Insured被保險人Applicant投保人Insurer保險人InsuranceAgent保險代理人InsuranceBroker保險經紀人LanguagePointsMoneyinvolvedininsuranceInsuredAmount保險金額

Premium保險費InsuranceDocumentsInsurancePolicyorPolicy保險單InsuranceCertificate保險憑證

BasicCovers:

基本險FreeFromParticularAverage(FPA)

平安險WithParticularAverage(WPA)

水漬險AllRisks(A.R.)

一切險GeneralAdditionalRisk:

一般附加險Theft

Pilferage

and

Non－deliveryRisk

-T.P.N.D

偷竊、提貨不著險Fresh

and/or

Water

Rain

Damage–FRWD

淡水雨淋險clashandbreakagerisk

碰損破碎險LeakageRisk

滲漏險HookDamage

鉤損險Inter-mixture

and

ContaminationRisk

混雜、沾污險RustRisk

銹損險Shortage

Risk

短量險Taintof

OdourRisk

串味險Breakage

of

Packing

Risk

包裝破裂險Sweating

and

Heating

Damage

受潮受熱險SpecialAdditionalRisk:

特殊附加險Failure

to

Deliver

Risk

交貨不到險Import

Duty

Risk

進口關稅險On

Deck

Risk

艙面險Aflatoxin

Risk

黃曲霉素險Rejection

Risk

拒收險War

Risk

戰爭險StrikesRisk

罷工險FireRiskExtensionClauseForStorageofCargoatDestinationHongKong,IncludingKowloon,orMacao，簡稱F.R.E.C出口貨物到香港（包括九龍在內）或澳門存倉火險責任擴展條款與insurance有關的一些短語(1)與on連用，表示投保的貨物：insuranceon100tonsofcotton(2)與against連用，表示投保的類別：insuranceagainstwarrisk(3)與at連用，表示保費或費率：insuranceattherateof10%,insuranceatalowerpremium(4)與with連用，表示向保險公司投保： insurancewithXinhuaLifeInsuranceCompanyofChinaWethankyouforyourletterofJune30,requestingustoeffectinsuranceonthecaptionedshipmentforyouraccount.Wearepleasedtoconfirmhavingcoveredtheaboveshipmentwiththepeople’sInsuranceCompanyofChinaagainstAllRisksfor$3,000.十分感謝你方6月30日的來信，要求我方替你方對于標題項下的貨物進行投保。我方高興地確認對于該批貨物已向中國人民保險公司投保保險金額為3，000美元的一切險。

cover/insurethegoods

against+risks險別for+insuranceamount投保金額with+insurer保險人covertheinsurance

effectinsuranceon+商品

請按發票金額的110%將貨物投保一切險。

Pleasecoverthegoodsfor110%oftheinvoicevalueagainstAllRisks.

請為這批貨物投保金額為4.5萬歐元的保險。

Pleasecoverthislot(shipment)for45,000euros.44EffectingInsurancefortheImporterDearSirs,Re:YourOrderNo.202,OurSalesContractNo.70Covering400CasesPotteryWethankyouforyourletterofApril27,requestingustoeffectinsuranceonthecaptionedshipmentforyouraccount.Wearepleasedtoconfirmhavingcoveredtheaboveshipmentwiththepeople’sInsuranceCompanyofChinaagainstAllRisksandWarRisksforUS$78,800.ThePolicywillbesenttoyouinadayortwotogetherwithourdebitnoteforthepremium.Foryourinformation,thisparcelwillbeshippedonS.S.“HUOJU”,sailingonaboutthe27ththismonth.

Yoursfaithfully,

forone’saccount

由—承擔

Wecancoverotheradditionalrisks,buttheextrapremiumwillbeforthebuyer’saccount.

我們可以投保其他附加險，但是額外的保險費應由買方承擔。LanguagePoints

Beborneby/forone’saccountBuyer’srequestforinsurancetobecovereduptotheinlandcitycanbeacceptedonconditionthatsuchextrapremiumisforbuyer’saccount.

假如額外的保險費由買方支付，能同意買方將保險投保到內陸城市的要求。

Against

與against連用，表示投保的類別：insuranceagainstwarrisk45AskingtheImportertoCoverInsuranceDearSirs,WearepleasedtoinformyouthatwehavebookedshippingspaceforyourorderNo.1052of100metrictonsofWoolonS.S.“QIANYANG”whichsailsforyourportonoraboutJune13.

Wecabledyoutoday:

“YRORDR1052BOOKEDSSQIANYANGETSJUN13PLSINSURE”Wetrustyouwilldulyinsurethegoodsatyourend.Yoursfaithfully,46RequestforAdditionalInsuranceDearsirs,OurOrderNo.1321，YourS/CNo.0121for1000CasesofToysWewishtoreferyoutoourorserNo.1321for1000casesofToys,fromwhichyouwillseethatthisorderwasplacedonCIFbasis.WeknowthatyouonlyissueAllRisksingeneralsituation.ButwewouldliketoaddWarRiskandTPND,becauseofthecomplicatedsituationintheMiddleEast.Canyougetthisforus?Weshallofcoursebearthepremiumforthissortofspecialcoverage.WeencloseanamendedOrderConfirmation,whichistosupersedetheonepreviouslysent.Wesinerelyhopethatourrequstwillmeetwithyourapproval.47ATheRequirementtoIncreasetheRateofInsuranceDearSirs,WerefertoourOrderNo.2123for2,000casesbicycles.wearenotifyingthatwehaveopenedthroughMidlandBankanirrevocableL/CwhichshallremaininforcetillNovember10.PleaseseetoitthattheabovementionedarticleswouldbeshippedbeforetheendofOctoberandthegoodsshouldbecoveredinsurance120%oftheinvoicevalueagainstAllRisksandWarRisks.Weknowthataccordingtoyourusualpractice,youinsur