Insurance
保险
It is customary to insure goods sold for export against the perils of the transport. In international trade, the transportation of goods from the seller to the buyer is generally over a long distance by air, land or sea and has to go through the procedures of loading, unloading and storing. During this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses. In order to protect the goods against possible loss in case of such perils, the buyer or seller before the transportation of the goods usually applies to an insurance company for insurance covering the goods in transit.
As a large percentage of the trade in and out of our country goes by ship, what mainly concerns us is still the Marine Insurance.
Specimen Letters
1. Importer Asks Exporter to Cover Insurance
进口商请出口商代办保险
Dear Sirs,
Re: Our Order No. 101. Your S/C No. 013 covering 500 cases Electronic Toys
We wish to refer you to our Order No. 101 for 500 cases Electronic Toys, from which you will see that this order was placed on CFR 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. U.S $2,200.00.
We shall of course 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,
Notes
1. CFR 价格术语 cost and freight 的缩写，成本加运费价
2. insure v.t. v.i. 保险；投保
Please insure the goods against all risks and war risk. 请将此货投保一切险和战争险。
Please insure against breakage. 请投保破碎险。
insurance n. 保险
insurance agents 保险代理人
insurance amount 保（险）额
insurance certificate 保险凭证
insurance company 保险公司
insurance coverage 保险范围
在表示"投保"，"办理保险"时 ，常与 insurance 搭配的动词或动词词组有：
to arrange insurance
to cover insurance
to effect insurance
to provide insurance
to take out insurance
说明保险情况时，insurance 后接介词的一般用法：
表示所保的货物，后接 on，如 insurance on the 100 tons of wool;
表示投保的险别，后接 against，如 insurance against all risks;
表示保额，后接for，如 insurance for 110% of the invoice value;
表示保险费或保险费率，后接 at，如 insurance at a slightly higher premium, insurance at the rate of 5%;
表示向保险公司投保，后接 with，如 insurance with the People's Insurance Company of China.
We have covered insurance on the 100 metric tons of wool for 110% of the invoice value against all risks. 我们已将100吨羊毛按发票金额的110%投保一切险。
3. all risks 一切险；它是中国人民保险公司制定的中国保险条款 (China Insurance Clauses, 略作 CIC或C.I.C.) 中的海洋运输货物保险条款所包括的三个基本险别之一，其它两个险别为：
平安险: Free from Particular Average, 缩写为：F.P.A. 或 FPA
水渍险: With Particular Average, 缩写：W.P.A. 或 WPA
除以上三个基本险别外，还有附加险 Extraneous Risks, 常见的附加险如下：
Theft, Pilferage & Non-Delivery Risks (简称 T.P.N.D., 也可写作TPND) 偷窃、提货不着险
Fresh and/or Rain Water Damage Risks 淡水雨淋险
Shortage Risk 或 Risk of Shortage 短量险
Intermixture & Contamination Risks 混杂、沾污险
Leakage Risk 或 Risk of Leakage 渗漏险
Clash & Breakage Risks 碰损、破碎险
Taint of Odour Risk 串味险
Sweating & Heating Risks 受潮受热险
Hook Damage Risk 钩损险
Rust Risk 或 Risk of Rust 锈损险
Breakage of Packing Risk 包装破裂险
常见的特殊附加险有：
War Risk 战争险
Strikes, Riots and Civil Commotions (缩写为 S.R.C.C., 也可写作 SRCC，注意这个险别没有 risks 这个词) 罢工、暴动、民变险
在函电中说各个险别时，除 all risks 和 war risk 外, risk(s) 这个词通常略去，如：
We shall cover TPND on your order. 我们将对你方订货投保偷窃、提货不着险。
The goods are to be insured against leakage. 此货需保渗漏险。
2. Asking for a Special Rate of Insurance
要求特惠保率
Dear Sirs,
We regularly ship consignments of Qingdao Beer to Sydney, Australia by both passengers and cargo liners of the International Shipping Line. Will you please say whether you can issue an all-risks policy for these shipments and, if so, on what terms. In particular we wish to know whether you can issue a special rate for the promise of regular monthly shipments.
Yours faithfully,
Notes
1. liner n. 班轮，班机
2. International Shipping Line 国际航运公司
3. a special rate 特惠保率
4. regular monthly shipments 按月付运
3. Insurance Company Asks to Cancel Breakage Risk
保险公司要求取消破碎险
Dear Sirs,
(Additional Risk of Breakage)
We refer to your L/C No. 157 covering Glazed Wall Tiles, which we have just received.
Please note for this article we do not cover Breakage. You have to, therefore, delete the word "Breakage" from the insurance clause in the credit.
Furthermore, we wish to point out that for such articles as window glass, porcelains, etc., even if additional Risk of Breakage has been insured, the cover is subject to a franchise of 5%. In other words, if the breakage is surveyed to be less than 5%, no claims for damage will be entertained.
We trust that the position is now clear, Please cable the amendment at once.
Yours faithfully,
Notes
1. delete v. 删除
The clause "All expences are for the beneficiaries' account" should be deleted from the L/C. "一切费用由受益人负担"之条款应从信用证中删除。
With reference to your L/C No. 4425, please delete the word "long" and insert "metric" before "ton". 关于你方信用证4425号，请在"吨"字前去掉"长"字，加上"公"字。
2. franchise n. 免赔率（额）；特权，特许
This class of goods is sold with a franchise of 3%. 此类商品按免赔率百分之三出售。
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