商业书信英语 第九单元（在线收听）

[00:01.10]有关保险内容的信
[00:02.19]Relevant Knowledge
[00:02.85]相关知识
[00:03.50]Insurance is provided to cover almost any kind of happenings that may result in loss.
[00:06.16]保险用于承保任何可能发生损失的事件。
[00:08.83]Its purpose is to provide compensation for those who suffer from loss or damage.
[00:11.56]其目的是赔偿遭受损失或损害的人。
[00:14.29]So it it also called a contract to restore to their original position a person who suffers loss.
[00:17.50]所以说保险也是一种使遭受损失和损害人恢复原来情形的合同契约。
[00:20.72]It is customary to insure goods sold for export against the perils of the journey.
[00:24.02]按照惯例为出口商投保以防货物运输途中各种危险。
[00:27.32]In international trade.
[00:28.42]在国际贸易中，
[00:29.52]the transportation of goods from the s eller to the buyer is generally over a long distance
[00:32.63]从买方到卖方的货物运输总是路途遥远，
[00:35.74]by air by land or by sea and has to go through the procedures of loading,unloading and storing.
[00:39.59]或空运、或铁路、或汽车、或海运、都必须经过装运、装卸、仓储。
[00:43.44]During this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses.
[00:48.30]在这一切过程中，货物十分有可能遇到各种各样的危险和受到损失。
[00:53.16]In order to protect the goods against possible loss in case of such perils,
[00:55.82]为了保护商品在万一发生危险时不受损失，
[00:58.49]the buyer or seller before the transportation of the goods usually applies to an insurance company for insurance covering the goods in transit.
[01:04.03]买方或卖方在货物运输之前就向保险公司为运输途中运输途中的商品投保。
[01:09.56]A proposal form should be completed and submitted to the insurance company when importers or exporters insure their goods against risks of all kinds.
[01:15.45]除了水渍险，投保其他意外险要提交保险单。
[01:21.35]If the proposal is accepted the insurance company is required by law to issur a policy.
[01:24.65]如果保险人接受了申请，应依法开给对方一张保险单，
[01:27.95]which sets forth the terms and conditions of the insurance contract,namely:thr risk to be covered ,the sum insured and the premiue to be paid.
[01:33.58]上面列有所签合同的各种条款，包括所承担的危险，保险金额和应付的保险费。
[01:39.21]A contract of insurance is one between a party who agrees to accept the risk (the insurer or the assure,know as the insurance company)
[01:44.88]保险合同是同意接受风险的一方（叫保险人，即保险公司）
[01:50.55]and a party who seeks protection from the risk
[01:52.59]和寻求保护防止风险、
[01:54.63]and will receive the benefit of the insurance in case of loss (the insured or the assured).
[01:57.73]一旦发生损失交将接受保险公司赔偿的另一方（又称投保人）签订的契约。
[02:00.84]In return for payment of a premium the insurer agrees to pay the insured a stated sum (or a proportion of it)
[02:05.18]保险人在交纳保险费后同意支付投保人协定了的金额（或其中的一部分）
[02:09.52]if the event insured against should occur.
[02:11.59]如果投保时所明确的事故确实发生了的话。
[02:13.67]Losses that goods might suffer during transportation on sea and in the course of loading and unloading fall into three main classes including Tota Loss,Partial Loss and Genera Average.
[02:21.10]在海上运输和装卸过程中货物遭受到的损失分为三种：全部海损、部分海损和共同海损。
[02:28.53]Total Loss can be either Actual Total Loss or Constructive Total Loss.
[02:30.79]全部海损可分为实际全部海损和推定全部海损。
[02:33.05]The former is the entire shipments is hit by any perils of the sea.
[02:36.04]前者指全部船、货遭遇
[02:39.03]such as beaching,grounding ,stranding,collision,sinking,natural calamities,fire,explosion,etc,and totall lost.
[02:44.44]搁浅、触礁、碰撞、沉没、自然灾害、火灾、失踪、爆炸等而全部损失；
[02:49.85]The latter is that the shipment is not actually lost
[02:51.76]后者指船、货虽实际上没有丧失
[02:53.66]but it is so severely damaged as to make the goods no longer any use for the originally purpose.
[02:56.81]但已严重毁坏，货物不能再用，失去原有使用价值，实际全损已不可避免。
[02:59.96]Partial Loss means the goods are party lost or damaged.
[02:59.46]部分海损是指被保险货物的损失没有达到全部损失的程度。
[03:03.53]General Average is defined as a loss internationallly undertaken out of the common interest and safety of the ship owner and the owners of the goods.
[03:08.96]共同海损被定义为为了船、货双方的共同利益和安全，由船方有意识地、合理地采取措施，所做出的某些特殊损失或某些额外费用。
[03:14.40]There are three types of the basic insurance covers in marine insurance:
[03:17.64]海洋货物运输保险有三种基本险别：
[03:20.87]Ftrr of Particular (F.P.A) means that the insurance company will be responsible to pay claims for losses due to ship or carrier being totally lost.
[03:26.82]投保平安险，保险公司将负责理赔由于运输工具发生意外而造成被保险货物全部损害。
[03:32.76]With Average (W.A) is the cover under which the insurer is responsible for the partial losses of the insured goods and protects them against damage from seawater caused by natural calamities.
[03:40.64]投保水渍险意味着一旦发生自然灾害引起海水侵害被保险货物造成部分损失，保险人将负责赔偿；
[03:48.51]Under the cover of All Risks the goods are insured against all risks.
[03:50.97]一切险指对一切危险进行赔偿。
[03:53.42]That is to say,the insurer is liable for all total or partial loss of or damage to the insured goods caused by natural calamities or by sea perils.
[03:59.88]也就是说，对于自然灾害或海上风险造成的被保险货物全部损失或部分损失，保险人都负有责任赔偿。
[04:06.33]General Additional Risks can be any risk that is not covered under the three basic insurance covers.
[04:09.50]一般附加险是以上三种基本险不包括的任何一种风险。
[04:12.68]They may cover the following:Theft,pilferage and non-delivery(T.P.N.D).Fresh water and/ rain water damage ,risk of shortage.
[04:19.13]比如：偷窃提货不着险、淡水雨淋险、短量险、
[04:25.58]Risk of intermixture and contamination,risk of leakage ,Risk of breakage ,Risk of clash,
[04:29.11]混杂玷污险、渗漏险、碰损破碎险、碰撞险、
[04:32.63]Risk of odor,risk of sweating and heating,Risk of hook danmage,Risk of rust and Risk of breakage of packing.
[04:37.50]串味险、受热受潮险、钩损险、锈损险和包装破损险等。
[04:42.38]Exporter's choice of the right coverage varies because of the nature of their particular goods and other financial reasons.
[04:47.16]出口商选择投保何种险别因货物的性质和其他经济原因而不同。
[04:51.94]If the proposal os accepted the insurer is required by law to issue an insurance policy.
[04:55.24]当保险公司同意接受了申请，它会依法发出保险单给投保人填写，
[04:58.55]which lists the terms of the contract,for the applicant to fill out,
[05:01.03]上面列有保险合同的条件，
[05:03.51]which contains all the items including ownership,goods ,insured value,premium,insurance time,risks and coverages,etc.
[05:09.05]包括货主、货物名称、保险金额、保险费、投保时间、险别等。
[05:14.59]The signed insurance policy as a binding contract or a legal document that serves as evidence of the agreement between the insurer and the person who takes out insurance
[05:21.01]经过签字的保险单是具有法律效力的合同或文件是保险人和投保人之间协议的证明，
[05:27.44]and forms part of the shipping document.
[05:29.25]也是装货单据的一部分。
[05:31.07]Useful Expressions about Insurance
[05:32.70]有关保险的常用表达方式
[05:34.33]Opening Sentence
[05:35.46]开篇语
[05:36.58]As we will shortly ship a consignment of heavy-duty machinery with the value of $9080 from Germany to shenzhen China,we ask you to arrange insurance cover for the following:
[05:44.95]最近我们将从德国运往中国深圳一批价值为9080美元的中型机械，因此要求贵公司承保下列风险：
[05:53.32]Please quote us your lowest FPA rates for delivery of fertilizer to Africa.
[05:56.12]请保对运往非洲的化肥投保平安险的最低保险费。
[05:58.92]We would like to remind you that your policy and certificate of insurance on the stock at the factory warehouse will expire on 15 July.
[06:03.76]很高兴提醒你方，您为工厂仓库中的存货所投保的保险单和保险证明书，于7月15日到期。
[06:08.61]Middle Part
[06:09.29]中间部分
[06:09.96]The premium varies with the extent of insurance .should the goods be insured against additional risks,the extra premium should be borne by the buyer.
[06:15.70]保险费随保险的范围不同而不同，如果货物需要投保附加险，额外的费用由买方支付。
[06:21.43]If you will insure the consignment against All Risks,we can provide such coverage ,but premium is slightly higher,and additional charges will be for your account.
[06:28.02]如果你方将货物投保一切险，我方可以代为投保，但保险费用稍高，而且附加费由你方承担。
[06:34.60]We have arranged the insurance on all the Leather spplied against TPND,Contamination and Rain in addition to WPA at the rate of 10% for the sum of US $10,000 with the insurance company.
[06:43.55]我们已为所供应的全部皮革向保险公司投保水渍险，另加偷窃和提货不着险、污染险和雨淋险，保险费率10％，投保额为10000美元。
[06:52.49]We usually effect insurance against All Risks and War Risk for full invoice value on C.I.F.sales.
[06:56.55]按C.I.F价出售的货物，我们通常按发票金额的100％投保一切险和战争险。
[07:00.62]We wonder whether you may offer us an All policy for the consignment.
[07:03.10]我们想知道你方是否能给我们提供一份为此批货物投保一切险的保险单。
[07:05.58]To be cover by you for 110% of total invoice value against leakage subject to relevant Ocean Cargo Clause of the People's Insurance Company of china dated 1 January,1995.
[07:13.95]由有你方按发票金额的110％投保渗漏险，以中国人民保险公司1995年1月1日的有关海洋运输保险条款为准。
[07:22.32]Please let us know the premium at which stortage is coverable by the insurer at your end.
[07:25.90]请告知你处的保险商所承保短量险的保费。
[07:29.48]Closing Sentence
[07:30.45]结束语
[07:31.41]Please kindly advise us on what terms this insurance can be arranged.
[07:34.24]恳请告知安排这项投保需要什么条件。
[07:37.06]Please take our the necessary cover on our purchase of cotton and send the policy as early as possible.
[07:40.68]对于我方订购的棉花请投保一切必要险，并请尽早寄给我们保险单。
[07:44.29]The consingment is insured by our ipen policy No 405 ,and we look forward to receipt of your certificate of insurance.
[07:49.61]这批货物由我们的405号预定保险单承保，我们等待着收到你公司的保险证明。
[07:54.92]We are keen to know if you may allow us a special rate for our regular monthly shipments.
[07:58.16]我们急于知道，贵方是否考虑我们的定期每月运货而同意给我们优惠保率。
[08:01.40]A proposal form is enclosed as requested,and please fill out and then return it by the end of this month,otherwise that may make it difficult to issue the policy in time.
[08:08.68]根据你方的要求，兹附上一份投保单，请填写后于本月底之前寄回，否则会使我们难于及时发出保险单。
[08:15.95]The relevant details are to be left for you to decide,but we wish to insure the goods against All Risks.
[08:19.82]有关细则留由你们决定，但是我们希望为这批货物投保一切险。
[08:23.69]Appreciation of Selected Business Letters
[08:25.75]商业书信精选实例赏析
[08:27.81]Dear Sirs,
[08:28.60]敬启者，
[08:29.38]We acknowledge with thanks your letter of July requiring us to insure the consignment of 10 cases of cotton shirts form Manchester to Rome.
[08:34.67]感谢贵方7月份来函，要求我方为从曼彻斯特运往罗马的10箱棉衬衣提供保险一事。
[08:39.96]We will cover insurance W.P.A &War risk according to usual practice in the absence of definite instrucations from you.
[08:45.09]鉴于没有收到贵方的任何指示，我们将按照惯例为该批货物投保水渍险和战争险。
[08:50.23]The premium for this cover is at the rate of 1.5% of the declared value of $789.
[08:54.31]保险费按照该货物所报金额即789美元的1.5％收取。
[08:58.40]The policy is being prepared and it should reach you not later than 26 January.
[09:01.17]保险单目前正在制定中中，预计将于1月26日寄至贵公司。
[09:03.94]Meanwhile,we confirm that we hold the consignment covered as from today.
[09:06.49]与此同时，我们向贵公司确定保险自今天开始算起。
[09:09.03]Yours faithfully.
[09:09.84]您真诚的，
[09:10.65]RE:INSURANCE
[09:11.59]事由：保险
[09:12.53]Thank you for your letter of June 25.
[09:14.17]兹感谢贵方6月25日来函，现已收悉。
[09:15.80]With regard to your inquiry about insurance ,we wish to give the folowing in reply:
[09:18.69]关于贵方对保险一事的询问，我方答复如下：
[09:21.57]For your reference ,in te absence of definite instructions from our clients ,we generally cover WPA and war risk.
[09:26.22]在没有收到客户明确指示时，我们一般按照惯例投保水渍险和战争险。
[09:30.87]If you desire to cover All Risks,
[09:33.07]如果你方将货物投保一切险，
[09:35.26]we can provide such converage at a slightly higher premium.
[09:37.52]我们可以代为投保，但保险费稍高。
[09:39.78]Breakage is a special risk,for which an extra premium will have to be charged.
[09:42.51]碰损破碎险是特别险种，对此要求收取附加保险费。
[09:45.24]the present rate is about 7%.
[09:46.72]目前碰损破碎险的保险费率为7％。
[09:48.19]Claims are payable only for that part of the loss,that is over 5%.
[09:51.01]如果只对破碎部分的损失进行赔偿，保险费率高于5％。
[09:53.83]We note that you ask us to arrange insurance in $ 5432 for shipment of one container of televisions to Guangzhou by SS Victory from Vancouver,
[10:01.93]我们注意到贵公司要求以5432美元为从温哥华开往广州的"胜利"号轮运载的一集装箱电视机进行投保，
[10:10.03]which is having our best attention.
[10:11.47]对此我们很感兴趣。
[10:12.90]We wonder whether the above information will serve your purpose
[10:15.23]希望上述信息能使贵方满意
[10:17.55]and we look forward to hearing further news from you.
[10:19.75]谨盼收到贵方进一步的消息。
[10:21.94]Your sincerely.
[10:23.16]您真诚的，
[10:24.37]Dear Sir,
[10:25.09]敬启者，
[10:25.81]POLIVY NO .159
[10:27.60]第159号保单
[10:29.39]I remitted you a check for $ 100 to extend insurance of my premises under the above policy immediately upon receipt of your renewal notice dated July 21,1999.
[10:36.53]一俟收到贵方7月21日的修订通知，我已经以支票的方式汇出100美元为本保单的房屋续保。
[10:43.68]Unfortunately,I have no record of the amount of insurance provided by the premium paid and should be obliged if your would please inform me.
[10:48.97]很遗憾的是，我没有记录该保单下已经支付的保费总额，若贵方能告知，将十分感激。
[10:54.26]If the amount of the insurance be less than $80000 I should like to increase it to this amount with immediate effect.
[10:59.35]若所支付保费总额少于80，000美元，我愿意立即将其增加到该数目。
[11:04.44]Please arrange for this if necessary and send me your account of addition premium payable.
[11:07.24]如果有必要的话，请代为安排，并寄给我已经支付的附加保费的账目。
[11:10.03]I will promptly send you a check in payment of it.
[11:11.60]作为补偿，我会即刻寄给贵方支票。
[11:13.17]Yours truly.
[11:14.07]您真诚的，
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