保险(续) Insurance

保险(续) Insurance

（四）F.P.A. stands for "Free from Particular Average".
FPA代表平安险。
W.P.A. stands for "With Particular Average".
WPA代表水渍险。
I'll have the goods covered against Free from Particular Average.
我将为货物投保平安险。
I know that F.P.A insurance doesn't cover losses on consumer goods.
我知道平安险不包括消费品的种种损失。
I don't think that the W.P.A insurance covers more risks than the F.P.A..
我认为水渍险承保的范围并不比平安险的范围宽。
Free from Particular Average is good enough.
只保平安险就可以了。
The goods are to be insured F.P.A.
这批货需投保平安险。
What you've covered is Leakage¹.
你所投保的是渗漏险。
Why don't you wish to cover Risk of Breakage?
您为什么不想投保破碎险呢？
W.P.A coverage² is too narrow for a shipment of this nature, please extend the coverage to include TPND.
针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不成险。
Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage?
您不想保水渍险和附加破碎险吗？
Not every breakage is a particular average.
并不是所有的破碎险都属于单独海损。
The coverage is W.P.A. plus Risk of Breakage.
投保的险别为水渍险加破碎险。
Well, obviously you won't want All Risks cover.
显然，你不想保综合险。
An All Risks policy covers every sort of hazard, doesn't it?
一份综合险保单保所有的险，是吗？
We'd like? to cover the porcelain³ ware⁴ against All Risks.
我们想为这批瓷器投保综合险。
Please insure the shipment for RMB5,000 against All Risks.
请将这批货物投保综合险人民币5000元。
We've cover insurance on these goods for 10% above the invoice⁵ value against All Risks.
我们已经将这些货物按发票金额加百分之十投保综合险。
An F.P.A. policy only covers you against total loss in the case of minor⁶ perils⁷.
平安险只有在发生较小危险时才给保全部损失险。
The F.P.A. doesn't cover partial loss of the nature of particular average.
平安险不包括单独海损性质的部分损失。
A W.P.A. or W.A. policy covers you against partial loss in all cases.
水渍险在任何情况下都给保部分损失险。
You'll cover SRCC risks, won't you?
你们要保罢工、暴动、民变险，是吗？
As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other risks is required, such as breakage, leakage, TPND, hook and contamination damages, the extra premium⁸ involved would be for the buyer's account.
按照我们的惯例，只保基本险，按发票金额110%投保。如果要加保其它险别，例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等，额外保险费由买方负担。

Words and Phrases
insurance free of (from) particular average (FPA). 平安险（单独海损不赔）
insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险
risk of breakage 破碎险
risk of clashing 碰损险
risk of rust⁹ 生锈险
risk of hook damage 钩损险
risk of contamination (tainting) 污染险
insurance against total loss only (TLO) 全损险
risk of deterioration¹⁰ 变质险
risk of packing breakage 包装破裂险
risk of inherent vice¹¹ 内在缺陷险
risk of normal loss (natural loss)? 途耗或自然损耗险
risk of spontaneous combustion¹² 自然险
risk of contingent¹³ import duty 进口关税险
insurance against war risk 战争险
Air Transportation Cargo¹⁴ War Risk 航空运输战争险
overland Transportation Insurance War Risk 陆上运输战争险
insurance against strike, riot and civil commotion¹⁵ (SRCC) 罢工，暴动，民变险
insurance against extraneous¹⁶ risks, insurance against additional risks 附加险
risk of theft, pilferage¹⁷ and nondelivery (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
risk of sweating and/or heating 受潮受热险
risk of bad odour(change of flavour) 恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险

（五）

We can serve you with a broad range of coverage against all kinks of risks for sea transport.
我公司可以承保海洋运输的所有险别。
Generally speaking, aviation insurance is much cheaper than marine¹⁸ insurance.
空运保险一般要比海运保险便宜。
Then "all marine risks" means less than "all risks".
那么，“一切海洋运输货物险”意味着比“一切险”范围小一些。
In the insurance business, the term "average" simply means "loss" in most cases.
在保险业中“average”一词一般是“海损”的意思。
Are there any other clauses in marine policies?
海运险还包括其它条款吗？
Breakage is a particular average, isn't it?
破碎险属于一种单独海损，对吗？
the risk of breakage is covered by marine insurance, isn't it?
破碎险是包括在海洋运输货物险之内的，对吗？
The English understood by "marine risks" only risks incident to transport by sea.
英国人对“海洋运输货物险”只理解为海洋中的意外风险。
Generally, the term "all marine risks" is liable to be misinterpreted and its use should be avoided in L/C.
一般地，“一切海洋运输货物险”容易被误解，应该避免在信用证中使用。

Words and Phrases
ocean marine cargo insurance clauses 海洋运输货物保险条款
transportation insurance 运输保险
overland transportation insurance, land transit¹⁹ insurance 陆上运输保险
insurance against air risk, air transportation insurance 航空运输保险
parcel post insurance 邮包运输保险
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

（六）

Please tell me whether I need to purchase a foreign student policy.
告诉我是否我需要购买外国学生保险。
I'd like to know whether basic health insurance coverage should include benefits for outpatient, hospital, surgery and medical expenses.
我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。
Will you please tell me where I can purchase health insurance?
请告诉我在何处能买到健康保险？
Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sickness or injury.
健康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。
"Major medical" insurance policies are designed to help offset²⁰ heavy medical expenses that can result from a prolonged illness or serious injury.
“巨额医药费保险”旨在协助减轻久病及重伤所造成的重大医药开支。
If the benefits provided under a certain policy have a dollar limitation for each service, you should determine whether these limitations are realistic.
如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。

Words and Phrases
health insurance 疾病保险，健康保险
sickness insurance 疾病保险
insurance for medical care 医疗保险
"major medical" insurance policy 巨额医药费保险
insurance during a period of illness 疾病保险
life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor²¹ 长寿保险
to purchase health insurance 购买健康保险
to have a health insurance policy 购买健康保险
Additional Words and Phrases
policy-holder 保险客户
extra premium 额外保险费
additional premium 附加保险费
insurance law 保险法
insurance act 保险条例
insurance industry? 保险业
insurance division 保险部
insurance treaty 保险合同
cover note 保险证明书
guarantee of insurance 保险担保书
premium rebate 保险费回扣
insurance claim 保险索赔
ceding, retrocession(for reinsurance) 分保
reinsurance 分保（再保险）
ceding(insurance)company 分保公司
co-insurance company 共同保险公司
insurance document 保险单据
certificate of insurance 保险凭证
increasing coverage, extending coverage 加保
renewing coverage 续保
insurance commission 保险佣金
social insurance 社会保险
personal property insurance 个人财产保险
insurance of contents 家庭财产保险
 

1 leakage   

n.漏，泄漏；泄漏物；漏出量

参考例句：

• Large areas of land have been contaminated by the leakage from the nuclear reactor.大片地区都被核反应堆的泄漏物污染了。
• The continuing leakage is the result of the long crack in the pipe.这根管子上的那一条裂缝致使渗漏不断。

2 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。

3 porcelain   

n.瓷；adj.瓷的，瓷制的

参考例句：

• These porcelain plates have rather original designs on them.这些瓷盘的花纹很别致。
• The porcelain vase is enveloped in cotton.瓷花瓶用棉花裹着。

4 ware   

n.(常用复数)商品，货物

参考例句：

• The shop sells a great variety of porcelain ware.这家店铺出售品种繁多的瓷器。
• Good ware will never want a chapman.好货不须叫卖。

5 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。

6 minor   

adj.较小(少)的，较次要的；n.辅修学科；vi.辅修

参考例句：

• The young actor was given a minor part in the new play.年轻的男演员在这出新戏里被分派担任一个小角色。
• I gave him a minor share of my wealth.我把小部分财产给了他。

7 perils   

极大危险( peril的名词复数 )； 危险的事（或环境）

参考例句：

• The commander bade his men be undaunted in the face of perils. 指挥员命令他的战士要临危不惧。
• With how many more perils and disasters would he load himself? 他还要再冒多少风险和遭受多少灾难？

8 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。

9 rust   

n.锈；v.生锈；(脑子)衰退

参考例句：

• She scraped the rust off the kitchen knife.她擦掉了菜刀上的锈。
• The rain will rust the iron roof.雨水会使铁皮屋顶生锈。

10 deterioration   

n.退化；恶化；变坏

参考例句：

• Mental and physical deterioration both occur naturally with age. 随着年龄的增长，心智和体力自然衰退。
• The car's bodywork was already showing signs of deterioration. 这辆车的车身已经显示出了劣化迹象。

11 vice   

n.坏事；恶习；[pl.]台钳，老虎钳；adj.副的

参考例句：

• He guarded himself against vice.他避免染上坏习惯。
• They are sunk in the depth of vice.他们堕入了罪恶的深渊。

12 combustion   

n.燃烧；氧化；骚动

参考例句：

• We might be tempted to think of combustion.我们也许会联想到氧化。
• The smoke formed by their combustion is negligible.由它燃烧所生成的烟是可忽略的。

13 contingent   

adj.视条件而定的；n.一组，代表团，分遣队

参考例句：

• The contingent marched in the direction of the Western Hills.队伍朝西山的方向前进。
• Whether or not we arrive on time is contingent on the weather.我们是否按时到达要视天气情况而定。

14 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。

15 commotion   

n.骚动，动乱

参考例句：

• They made a commotion by yelling at each other in the theatre.他们在剧院里相互争吵，引起了一阵骚乱。
• Suddenly the whole street was in commotion.突然间，整条街道变得一片混乱。

16 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。

17 pilferage   

n.行窃，偷盗；v.偷窃

参考例句：

• Pilferage in the warehouse reduces profitability by about two per cent.仓库中的失窃使利润损失了百分之二。
• Presumably,this redundancy reduces petty embezzlement and pilferage,albeit at staggering costs.这种繁琐的手续大概是为了防止贪污和小偷小摸，却不管为此会付出多大的代价。

18 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。

19 transit   

n.经过，运输；vt.穿越，旋转；vi.越过

参考例句：

• His luggage was lost in transit.他的行李在运送中丢失。
• The canal can transit a total of 50 ships daily.这条运河每天能通过50条船。

20 offset   

n.分支，补偿；v.抵消，补偿

参考例句：

• Their wage increases would be offset by higher prices.他们增加的工资会被物价上涨所抵消。
• He put up his prices to offset the increased cost of materials.他提高了售价以补偿材料成本的增加。

21 survivor   

n.生存者，残存者，幸存者

参考例句：

• The sole survivor of the crash was an infant.这次撞车的惟一幸存者是一个婴儿。
• There was only one survivor of the plane crash.这次飞机失事中只有一名幸存者。