Chengdu Textile College,Unit nine Insurance by Emily Kong,Objectives,To know about insurance words and phrases To know about how to make insurance To learn the phrases and expressions about insurance To learn how to write a business letter about insurance.,Content,Dialogues,Sample Letters,Expressions,All risks,TPND,Formal letter,Introduction,Insurance clause,Marine cargo clause,insured amount 保险金额 insurance clause 保险条款 PICC (People s Insurance Company of China) 中国人民保险公司 premium rate 保险费率 premium 保险费 insurance free of (from) particular average (FPA). 平安险（单独海损不赔） insurance with particular average (WPA) 水渍险 insurance against all risks.一切险,risk of breakage 破碎险 risk of clashing 碰损险 risk of rust 生锈险 risk of hook damage 钩损险 insurance against total loss only (TLO) 全损险 risk of deterioration 变质险 risk of packing breakage 包装破裂险 insurance against extraneous risks, insurance against additional risks 附加险 risk of theft, pilferage and non-delivery (TRND) 盗窃提货不着险,risk of fresh and/of rain water damage (wetting) 淡水雨淋险 risk of leakage 渗漏险 risk of shortage in weight/quantity 短量险 ocean marine cargo insurance clauses 海洋运输货物保险条款 ocean marine cargo insurance, marine insurance 水险（海运货物保险） All Risks 一切险 average 海损,Particular Average (P.A) 单独海损 General Average (G.A) 共同海损 Marine Losses 海损 partial loss 部分损失 total loss 全部损失,Terms explanation,Perils of the sea: natural calamities: heavy weather, lightening, earthquake, volcanic eruption and so on. fortuitous accidents: fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external object other than water,Heavy weather,lightening,earthquake,Volcanic eruption,tunami,Natural Calamities,Fortuitous accidents,fire,explosion,collision,stranded,sunk,grounded,Extraneous risks: General Extraneous Risks: theft and pilferage, contamination, leakage, breakage, sweating and/or heating, taint of odor, rusting, hook damage, fresh and/or rain water damage, short-delivery and non-delivery, shortage in weight, clashing and so on. Special Extraneous Risks: war, strike, failure to deliver due to some special laws or regulations.,Total loss: Actual Total Loss (实际全损) Constructive Total Loss (推定全损) Partial loss: General Average (共同海损) Particular Average (单独海损),Basic coverage,FPA: Free From Particular Average a limited form of cargo insurance cover under which no partial loss or damage is recoverable. It only provides coverage for total losses and general average emerging from the actual “marine perils” like vessel being stranded, grounded or sunk. WPA: With Particular Average WA: With Average a wider cover than FPA. It provides extensive cover against all losses or damage due to marine perils throughout the duration of the policy, including partial loss or damage which may be attributed to natural calamities like heavy weather.,All risks: the most comprehensive of the three basic coverage under which the insurer is responsible for all total or partial loss of, or damage to the goods insured either arising from sea perils or general external causes.,Additional coverage,General additional risks general extraneous risks Special additional risks special extraneous risks,Cargo insurance undertaken by the insurance company covers the risks arising from the maritime conveyance of merchandise from one country to another. FPA: free from particular average WA or WPA: with average or with particular average AR: all risks Parties: insurer, insured, insurance broker,Brief Introduction,Dialogue one,insurance policies: 保险单 consignment: 寄送 coverage: 保险范围 Risk of Shortage: 短量险 international practice: 国际惯例 insurance premium: 保险费 invoice value: 发票金额,exercise,对于以CIF价格成交的交易,我方通常向中国人民保险公司根据1981年1月1日的海洋运输公物保险条款投保一切险。若买方要求依据协会货物保险条款办理，我方可以照办，但两者保费的差额由对方支付。,Dialogue two,clause: 条款 natural calamities: 自然灾害 additional premium: 额外保费 Peoples Insurance Company of China,Procedures of marine insurance,To apply for marine insurance To determine the insurance value of the goods to be insured To determine the insurance average and coverage To determine insurance premium To sign an insurance policy To lodge an insurance claim,Insurance against All Risks,Dear Sirs, Sub: our order No.1. Your S/C No. 010 Covering 600 Cases Mechanical Toys We wish to refer you to our order No. 1 for 600 cases Mechanical Toys, from which you will see that this order was placed on CIF 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 the same on our behalf against All Risks at invoice value plus 10%, i.e. US $ 300.00 Of course, we shall refund the premium to you upon receipt of your debit note or, if you like, you may draw on us at sight for the same. We sincerely hope that our request will meet with your approval. Yours faithfully,Insurance against All Risks,这是一封一切险的信函 All Risks: 一切险，综合险 本文首先以Sub 开头，提示合同、货物等，让读信人对信的内容有初步了解，行文中提出具体保险要求包括投保地、保费等，最后希望对方同意 On behalf of: 代表，为了 利益 Con