保险常用英语

  Insurance 保险

    Brief Introduction

    在国际贸易中，货物从卖方到达买方，通常要经过长途的运输、装卸和存储等过程。在此过程中，货物常常会遇到许多风险。为了保障货物遭受损失时能得到一定的补偿，买方或卖方应在货物装船后向保险公司投保货物运输险。

    对外贸易的运输保险是指：被保险人(出口人或进口人)对一批或若干批货物向保险人按一定金额投保一定的险别，并交纳保险费;保险人承保后，如果所保货物在运输过程中发生约定范围内的损失，应按照所出具的保险单的规定给予被保险人经济上的补偿。

    投保时，通常选择平安险(F.P.A.),水渍险(W.A.或W.P.A. )或一切险(A.R.)三种基本险别中的一种，然后，加保其他必要的特殊附加险别。

    Basic Expressions

    1. We have covered insurance on 1,000 cases of beer for 110% of the invoice¹ value against all risks.

    我们已将一千箱啤酒按发票金额的百分之一百一十投保一切险。

    2. If you desire us to insure against a special risk, an extra premium² will have to be charged.

    如你想投保特殊险别，将向你收取额外保费。

    3. This risk is coverable at a premium of 0.25%.

    该险别的保险费是百分之零点二五。

    4. The insurance company insures this risk with 5% franchise³.

    保险公司保这种险有百分之五的免赔额。

    5. After loading the goods on board the ship, you must go to the insurance company to have them insured.

    货船装船后，你必须找保险公司为货物投保。

    6. We can serve you with a broad range of coverage⁴ against all kinds of risks for sea transport, such as Free of Particular Average (F. P.A.), With Particular Average (W.P.A.), All Risks and Extraneous⁵ Risks.

    我们可以承保海洋运输的所有险别，如：平安险、水渍险、一切险 和附加险。

    7. W.P.A. plus Risk of Breakage suit your consignment⁶.

    贵方货物适合于投保水渍险及破碎险。

    8. The premium is calculated according to the premium rate or rates for risks to be covered.

    保险费是根据投保险别的保险费率计算的。

    9. They will undertake to compensate⁷ you for the losses according to the risks insured.

    他们将根据所投保的险别，对损失负责赔偿。

    10. We are able to cover all kinds of risks for transportation by sea, land and air.

    我们可以办理海运、陆运和空运的所有险别。

    11. We won’t have such a risk included, as it is not stipulated⁸ in the Ocean Marine⁹ Cargo¹⁰ Clauses.

    我们不能投保此项险别，因为海洋运输条款中没有包括这一险别。

    12. Do you cover risk other than W.P.A. and War Risk?

    除了水渍险和战争险外，你们还保其他险吗?

    13. As a rule, the extra premium involved will be for buyer’s account.

    按常规，额外保险费应由买方负责。

    14. Please note that our insurance coverage is for 110% of the invoice value only.

    请注意我们的保险范围只是发票金额的百分之一百一十。

    15. How long is the period from the commencement to termination of the insurance?

    保险责任的起讫期限有多长?

    16. We adopt the warehouse-to-warehouse clause that is commonly used in international insurance.

    我们采用国际保险中常用的“仓至仓”的责任条款。

    17. According to international practice, we do not insure against such risks unless the buyers call for them.

    按照国际惯例，我们不投保这些险别，除非买主提出要求投保。

    18. Breakage is a special risk, for which an extra premium will have to be charged.

    破碎险是一种特别险，需收取额外保险费。

    19. Because they aren’t delicate goods and not likely to be damaged on the voyage.

    因为这些不是易碎易损的货物，航行中不大可能被损坏。

1 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。

2 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。

3 franchise   

n.特许，特权，专营权，特许权

参考例句：

• Catering in the schools is run on a franchise basis.学校餐饮服务以特许权经营。
• The United States granted the franchise to women in 1920.美国于1920年给妇女以参政权。

4 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。

5 extraneous   

adj.体外的；外来的；外部的

参考例句：

• I can choose to ignore these extraneous thoughts.我可以选择无视这些外来的想法。
• Reductant from an extraneous source is introduced.外来的还原剂被引进来。

6 consignment   

n.寄售；发货；委托；交运货物

参考例句：

• This last consignment of hosiery is quite up to standard.这批新到的针织品完全符合规格。
• We have to ask you to dispatch the consignment immediately.我们得要求你立即发送该批货物。

7 compensate   

vt.补偿，赔偿；酬报 vi.弥补；补偿；抵消

参考例句：

• She used her good looks to compensate her lack of intelligence. 她利用她漂亮的外表来弥补智力的不足。
• Nothing can compensate for the loss of one's health. 一个人失去了键康是不可弥补的。

8 stipulated   

vt.& vi.规定；约定adj.[法]合同规定的

参考例句：

• A delivery date is stipulated in the contract. 合同中规定了交货日期。
• Yes, I think that's what we stipulated. 对呀，我想那是我们所订定的。 来自辞典例句

9 marine   

adj.海的；海生的；航海的；海事的；n.水兵

参考例句：

• Marine creatures are those which live in the sea. 海洋生物是生存在海里的生物。
• When the war broke out,he volunteered for the Marine Corps.战争爆发时，他自愿参加了海军陆战队。

10 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。