Unit10Insurance第1頁ContentIntroduction

BackgroundinformationCasestudyCase1UsefulphrasesExercises

第2頁Ⅰ.Thepurposeofinsurance

——toprovidecompensationforthosewhosufferfromlossordamage.Itisacontractofindemnity第3頁Ⅱ.Partiesinvolvedininsurancetheinsurer

thepartywhoagreetoaccepttherisktheinsured

thepartyseekingprotectionfromtherisk

thebeneficiary

canbe

sameperson

thepartywhowillgetthecompensationwhenanylossoccur

第4頁Insurancepolicy保險單ContractbetweentheinsurerandtheinsuredInsurancepremiumThesumofmoneytheinsuredagreestopaytheinsurerforaninsurancepolicyInsuranceamount第5頁BackgroundinformationMarineriskAverage

Coverage

第6頁風險：risks,perils

totalloss損失：lossesparticularaveragepartialloss(單獨海損）generalaverage（共同海損）險別：risks,perils,coverages

保險企業按照不一樣險別包含風險所造成損失和發生費用負擔賠償責任，所以在保險業務中風險、損失和險別三者有著緊密聯絡，為此，我們對保險企業所能承保風險與損失種類和內容必須有準確了解。第7頁海上風險PerilsoftheSea外來風險ExtraneousRisks自然災害(NaturalCalamity)意外事故(Fortuitousaccidents)普通外來風險GeneralExtraneousRisks特殊外來風險SpecialExtraneousRisks風險Risks第8頁損失Losses海上損失其它損失全部損失TotalLoss實際全損ActualTotalLoss推定全損ConstructiveTotalLoss部分損失PartialLoss共同海損GeneralAverage單獨海損ParticularAverage普通外來損失特殊外來損失第9頁基本險平安險F.P.A(FreeFromParticularAverage)水漬險W.P.A(WithParticularAverage)一切險AllRisks附加險一般附加險偷竊，提貨不著險T.P.N.D.(Theft,Pilferage&Non-delivery)淡水雨淋險F.W.R.D.(FreshWater&/orRainDamage)短量險(RiskofShortage)混雜，玷污險(RiskofIntermixtureandContamination)滲漏險(RiskofLeakage)碰損，破碎險(RiskofClashandBreakage)鉤損險(HookDamage)受潮受熱險(DamageCausedbySweatingandHeating)包裝破裂險(BreakageofPacking)串味險(RiskofOdour)銹損險(RiskofRust)特殊附加險戰爭險(WarRisk)罷工險(StrikesRisk)交貨不到險(FailuretoDelivery)進口關稅險(ImportDutyRisk)艙面險(OnDeckRisk)拒收險(RejectionRisk)黃曲霉素險(AflatoxinRisk)第10頁MarineriskPerilsofthesea(海上風險)naturalcalamities:fortuitousaccidentsExtraneousrisks第11頁Perilsoftheseanaturalcalamities:heavyweather,lightening,earthquake,volcaniceruptionandsoon.fortuitousaccidents:fire,explosion,vesselbeingstranded,grounded,sunkorcapsized,collisionorcontactofvesselwithanyexternalobjectotherthanwater第12頁HeavyweatherlighteningearthquakeVolcaniceruptionTunami（海嘯）NaturalCalamities第13頁FortuitousaccidentsfireexplosioncollisionStranded觸礁sunkGrounded擱淺第14頁ExtraneousrisksGeneralExtraneousRisks:theftandpilferage,contamination,leakage,breakage,sweatingand/orheating,taintofodor,rusting,hookdamage,freshand/orrainwaterdamage,short-deliveryandnon-delivery,shortageinweight,clashingandsoon.SpecialExtraneousRisks:war,strike,failuretodeliverduetosomespeciallawsorregulations.第15頁AverageTotalloss:ActualTotalLoss(實際全損)ConstructiveTotalLoss(推定全損)Partialloss:GeneralAverage(共同海損)ParticularAverage(單獨海損)第16頁Partialloss

1.GeneralaverageItisalossresultingfromavoluntarysacrificeorexpenditureintimeofperil,forthesafetyofhull,cargoandfreight.第17頁2.Particularaverage:

Itmeanspartiallossordamageaccidentallycausedtotheshiportoaparticularlotofgoods.Particularaverageisnotatotalloss.Itmustbebornebytheownerofthepropertysufferingtheloss,itisdistinctfromgeneralaverage,whichissharedbyallwhohaveafinancialinterestinthevoyageanditsrisksinproportiontothevalueoftheirinterests.

第18頁CoveragebasicrisksFreefromParticularAverage(F.P.A)WithParticularAverageorWithAverage(W.P.AorW.A)AllRisksadditionalrisksgeneraladditionalrisksspecialadditionalrisk第19頁BasicrisksFreefromParticularAverage平安險（F.P.A）范圍較窄，只提供實際海損所引發全損及共同海損賠償。不負擔單獨海損賠償WithParticularAverage（WPA）水漬險水漬險對整個保險期間內由海難引發全部損失或損壞提供廣泛保險第20頁AllRisks(AR)一切險不論是海難還是普通外來險原因所造成被保之物全損或部分損失賠償責任包含共同海損和單獨海損責任外來原因造成短少，短量，滲漏，碰碎，鉤損，雨淋，生銹，受潮，受熱，發霉，竄味，玷污等全部或部分損失也負責賠償不包含戰爭險，不合格包裝，內在缺點等第21頁Additionalrisksgeneraladditionalrisks偷竊提貨不著險（Theft,PilferageandNon-delivery縮T.P.N.D），淡水雨淋（FreshWater&/orRainDamage），短量（RiskofShortage）,混雜玷污險（RiskofIntermixtureandContamination）,滲漏險（RiskofLeakage）,碰損破碎險（RiskofClashandBreakage）specialadditionalrisk戰爭險（WarRisk）,罷工險(StrikesRisk),交貨不到險（FailuretoDelivery）,進口關稅險(ImportDutyRisk),艙面險(OnDeckRisk),拒收險(RejectionRisk)和黃曲霉素險(Aflatoxin).第22頁Case1Whichpartyisthisletterwrittenby?Whatishisrequirement?Why?Whichcompanydoeshechoose?Why?Whatotherinformationisheaskingfor?第23頁OnCFRterms按…報價Takeout出具Anopenpolicy預約保險單TheLloydInsuranceCompany勞埃德保險企業Ongoodtermswithsb交往甚好UnderwriterPremiumrebatePICCThePeople,sInsuranceCompanyofChina第24頁1.InsurancePolicy(保險單,俗稱大保單)2.InsuranceCertificate(保險憑證，俗稱小保單）3.OpenPolicy/OpenCover(預約保險單/總保險單)3FormsofMarineInsuranceDocuments.第25頁1.保險單InsurancePolicy保險單是保險人已接收保險正式憑證，俗稱“大保單”，也是保險人和被保險人之間訂契約證實。第26頁2.預約保單OpenPolicy預約保險單它是保險人承保被保險人在一定時期內分批發運貨物所出立保險單。在預約保險單內，載明保險貨物范圍、險別，保險費率、每批運輸貨物最高保險金額以及保險費結算辦理等。第27頁3.保險憑證InsuranceCertificate保險憑證是保險人對貨物已接收保險一個證實文件，俗稱“小保單”，是簡化保險單，保險憑證僅載明被保險人名稱、被保險貨物名稱及數量、船名、航程、開航日期、險別、保險期限和保險金額等必要項目，而對保險企業與被保險人權利和義務則不予載明。保險憑證與保險單含有同等效力。第28頁Usefulphrases1.coverinsuranceon…against…eg.Wecoverinsuranceonthegoodsfor110%oftheinvoicevalueagainstAllRisksandWarRisk.Similarphrase：cover,arrangeinsurance,effectinsurance,provide/takeoutinsurance

eg.

Forthiscontract,wewouldlikeyoutoarrangeinsuranceatyourend.第29頁表所保貨物，后接OnInsuranceonthe100tonsofwool表投保險別，+againstInsuranceagainstallrisks保額+forInsurancefor110%oftheinvoicevalue保費率+atInsuranceattherateof…向某保險企業投保+withInsurancewithPICC第30頁Insure使用方法Vt.Insuresth./ariskVi.Insureagainstarisk第31頁Cover使用方法Vt.CoverinsuranceCoverariskCoverAllRisksandWarRisksCoversth./sb.againstariskCoverthegoodsagainst AllRisksCoverusagainstBreakage第32頁Premiumatapremiumof

eg.Thiskindofadditionalriskiscoverableatapremiumof2%.Thepremiumisforbuyer’saccounteg.Underdifferenttradeterms,theinsurancechargecangoforbuyer’saccountortheseller’saccount.Similarphrase：tobebornebythebuyertobechargedtothebuyer’saccount第33頁Vocabularyinsuranceagent保險代理人insura