职场英语口语急救包 第70期:商业保险

 　　第70期:商业保险

　　May I suggest a free of particular average policy?

　　保平安险如何？

　　A:May I suggest a free of particular average policy?

　　A:保平安险如何？

　　B:That's better,but I think we need to cover more Kinds of things,like damaged by seawater for example.

　　B:这比较合适，不过我想我们可能需要多一点保障，例如像水溃损害等。

　　I think we should get an AAR insurance policy.

　　我想我们该投个全险。

　　A:I think we should get an AAR insurance policy.

　　A:我想我们该投个全险。

　　B:Good idea. Even though the insurance premiums² will be higher,we will be safer.

　　B:好主意！虽然全险的保费比较高，但我们可以放心一点。

　　AAR insurance = against all risks insurance

　　全险

　　What kind of insurance is the People’s Insurance Company of China able to provide?

　　中国人民保险公司能提供什么险别？

　　A:What kind of insurance is the People’s Insurance Company of China able to provide?

　　A:中国人民保险公司能提供什么险别？

　　B:PICC can provide a broad range of coverage³ against all kinds of risks for sea transport.

　　B:中国人民保险公司可以承保海洋运输的所有险别。

　　Have you taken out insurance yet on this shipment?

　　您是否已经替这批货物投保了？

　　A:Have you taken out insurance yet on this shipment?

　　A:您是否已经替这批货物投保了？

　　B:Yes, we talked about it with our underwriter,and think that we should get a policy for total loss only.

　　B:是的，我们和保险公司谈过，觉得应该投保全损险。

　　Have you studied the contents of the insurance contract?

　　你们研究了保险合同的内容了吗？

　　A:Have you studied the contents of the insurance contract?

　　A:你们研究了保险合同的内容了吗？

　　B:All the terms and conditions of the insurance contract suit us.

　　B:我们同意所有的保险条款。

　　Please tell me what kind of insurance you are able to provide.

　　请告诉我你们提供哪些险别。

　　A:Please tell me what kind of insurance you are able to provide.

　　A:请告诉我你们提供哪些险别。

　　B:We’re able to cover all kinds of risks for transportation by sea,land, and air.

　　B:我们可以办理海运、陆运和空运的所有险别。

　　I’d like to have the goods insured for the invoice⁴ value plus 20%.

　　我们想按发票金额加20%投保。

　　A:I'd like to have the goods insured for the invoice value plus 20%.

　　A:我们想按发票金额加20%投保。

　　B:It covers all risks and war risk at 110% of the invoice value.

　　B:综合险和战争险,按发票金额的110%投保。

　　insure(vt.)

　　给...保险

　　How long is the insurance policy valid⁵?

　　保险证书有效期多长？

　　A:How long is the insurance policy valid?

　　A:保险证书有效期多长？

　　B:Maximum twelve months.

　　B:最多 12 个月。

　　How long is the carrying period of insurance?

　　保险责任的起讫期限是多长？

　　A:How long is the carrying period of insurance?

　　A:保险责任的起讫期限是多长？

　　B:The cover shall be limited to sixty days upon discharge of the insured goods from the cargo⁶ ship at the final unloading port.

　　B:被保险货物在最后卸载港卸离货轮后，保险责任以60天为限。

　　When shall we be able to get a compensation from the insurance company?

　　我们什么时候能够得到保险公司的补偿费呢？

　　A:When shall we be able to get a compensation from the insurance company?

　　A:我们什么时候能够得到保险公司的补偿费呢？

　　B:As soon as we are through all the formalities.

　　B:我们一切手续完成后就可以。

　　compensation(n.)

　　补偿，赔偿

　　What kind of clause do you adopt?

　　你们采用什么样的条款？

　　A:What kind of clause do you adopt?

　　A:你们采用什么样的条款？

　　B:We adopt the warehouse-to-warehouse clause which is commonly used in international insurance.

　　B:我们采用国际保险中惯用的货仓到货仓的责任条款。

　　Can you cover risks other than WPA?

　　除了水渍险以外的险你们保吗？

　　A:Can you cover risks other than WPA?

　　A:除了水渍险以外的险你们保吗？

　　B:Certainly,we can.

　　B:当然，我们保的。

　　WPA = With Particular Average

　　单独海损赔债;水渍险

　　The Insurance Company is responsible for the claims,as far as it is within the scope of coverage.

　　只要在保险责任范围内，保险公司应负责赔偿责任。

　　The loss in question is beyond the coverage granted by us.

　　你说的损失并不包括在我们承保的责任范围之内。

　　Can I have a proposal form?

　　能给我一份投保申请书吗？

　　A:Can I have a proposal form?

　　A:能给我一份投保申请书吗？

　　B:Sure. And if you are satisfied with the information on the proposal form，we’ll issue a cover note as soon as we get your check.

　　B:当然可以。如果你对上面的条款满意，我们收到你的支票后就给你承 保通知书。

　　Do we want All Risks Cover?

　　我们需要投保全险吗？

　　A:Do we want All Risks Cover?

　　A:我们需要投保全险吗？

　　B:FPA will be good enough.

　　B:平安险就足够了。

　　What is the insurance premium¹?

　　保险费是多少？

　　A:What is the insurance premium?

　　A:保险费是多少？

　　B:The premium varies with the range of insurance.

　　B:保险费用根据投保范围的大小而有所不同。

　　premium(n.)

　　保险费

　　What shall we do to claim the compensation of insurance premium?

　　索要保险金时该怎么做呢？

　　A:What shall we do to claim the compensation of insurance premium?

　　A:索要保险金时该怎么做呢？

　　B:You shall hand in the claim report to the insurance company first.

　　B:要先向投保的保险公司提交报告。

　　It is the buyers who will pay for the extra premium.

　　这额外的保险费将由买方支付。

1 premium   

n.加付款；赠品；adj.高级的；售价高的

参考例句：

• You have to pay a premium for express delivery.寄快递你得付额外费用。
• Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后，清水便因稀而贵了。

2 premiums   

n.费用( premium的名词复数 )；保险费；额外费用；（商品定价、贷款利息等以外的）加价

参考例句：

• He paid premiums on his life insurance last year. 他去年付了人寿保险费。 来自《现代英汉综合大词典》
• Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。 来自《简明英汉词典》

3 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

4 invoice   

vt.开发票；n.发票，装货清单

参考例句：

• The seller has to issue a tax invoice.销售者必须开具税务发票。
• We will then send you an invoice for the total course fees.然后我们会把全部课程费用的发票寄给你。

5 valid   

adj.有确实根据的；有效的；正当的，合法的

参考例句：

• His claim to own the house is valid.他主张对此屋的所有权有效。
• Do you have valid reasons for your absence?你的缺席有正当理由吗？

6 cargo   

n.(一只船或一架飞机运载的)货物

参考例句：

• The ship has a cargo of about 200 ton.这条船大约有200吨的货物。
• A lot of people discharged the cargo from a ship.许多人从船上卸下货物。