外贸函电之保险
外贸函电-保险
第十章Insurance保险第一节T h e S t e p s o f W r i t i n g I n s u r a n c e L e t t e r s保险信的写作步骤保险的目的是使其货物遭受损失或损坏者得到赔偿。
换句话说,它是一种赔偿契约,给某人赔偿遭受损失的全部金额或按特定百分比赔偿所损失的一部分金额。
保险合同通常用保险单的形式,是承担风险的一方（承保人）和寻求防御风险的一方（投保人）两者之间的一种合同。
若投保的风险发生了,承保人为报偿投保人所付的保险费,同意付给投保人一笔规定的金额或一部分金额。
保险费是按投保金额的百分之几计算的,也就是投保人所付的钱。
按照中国人民保险公司海洋运输货物保险条款,该公司的基本保险单承保的海运主要险别有：a．平安险F r e e F r o m P a r t i c u l a r A v e r a g e F P Ab．水渍险W i t h P a r t i c u l a r A v e r a g e W P Ac．一切险A l l R i s k s保险金额的计算是；货物成本+运费+保险费+代表货物出售后的合理利润的总金额的百分之几。
对于C I F的交易,根据中国人民保险公司一九八一年八月一日厘定的海洋运输货物保险条款,我们通常按发票金额的110％投保X X险。
有时候买户要求投保的金额超过110％。
在这种情况下,额外保险费将由买户负担。
保险信函的写作步骤如下：1．提示合同、货物等；（M e n t i o n i n g t h e c o n t r a c t,g o o d s,e t c.）情景搭配用语：[U s e f u l e x p r e s s i o n s]●W e r e f e r y o u t o C o n t r a c t N o.（关于第……号合同）●R e f e r r i n g t o…（关于……）●W i t h r e g a r d t o（w i t h r e f e r e n c e t o）…o u r C o n t r a c t…（关于我们……合同）2．提出具体保险要求及理由；（S u g g e s t i n g t h e t e r m o f p a y m e n t a n d t h e r e a s o n）情景搭配用语：[U s e f u l e x p r e s s i o n s]●A s…w e s h a l l b e g l a d i f y o u…（因为……如果你……我将不胜感激）●A s y o u k n o w,…w e s u g g e s t…（你知道……我们建议……）●O w i n g t o…w e w o u l d a p p r e c i a t e i t i f y o u…（由于……如果……我们将不胜感激）3．希望对方同意并希望对方尽早发货。
外贸函电8保险即索赔
Theft,Pilferage&Non-Delivery Risks
(T.P.N.D.)偷窃、提货不着险
Strikes,Riots and Civil Commotions(S.R.C.C.)
罢工、民变险
We shall cover TPND on your order.
我们将对你方订货投保偷窃、提货不着险。
insurance for 110% of the invoice value
4）表示保险费率，后接at, 如，
insurance at the rate of 5%
5)表示向保险公司投保，后接with , 如
insurance with the People’s Insurance
Company of China
premium . 在圣诞节期间，核桃正按高价售出
6.underwriter n. 保险商，主要指转保水险的保 险商
insurer 一般通用。
可编辑ppt
8
6. franchise n. 免赔率 This class of goods is sold with a franchise of
Insurance
保险
1.insurance amount insurance agent
保（险）额
保险代理人
insurance certificate insurance cover
保险凭证
保险
insurance policy 保（险）单
insurance premium 保（险）费
air transportation insurance marine insurance
可编辑ppt
5
外贸函电 ,关于保险Unit12 Insurance
例如， 合同价值为USD12000， 例如，某CIF合同价值为 合同价值为 ， 投保一切险与战争险 一切险与战争险， 投保一切险与战争险，费率分别为 0.6%和0.4%，请问保险金额 和保险费 和 ，请问保险金额 各多少？ 各多少？
•Answer: • Insured Amount: • USD12000 x 110% = USD13200 •Insurance Premium: • USD 13200 x (0.6%+0.4%) = USD132
• the claimant
– The claimant may not necessarily be the insurant
• the insurance policy
- The contract made between the insurer and the insured
• the insured amount
Figure 6.4 Basic Coverage of C.I.C.
Insured Amount and Insቤተ መጻሕፍቲ ባይዱrance Premium
•The insured amount
The formula for calculating the insured amount under CIF trade terms:
• Two types of risks
– Perils of the sea
• Natural calamities – Caused by force majeure events such as heavy weather , lightening, Tsunami, earthquake, volcanic eruption,, etc. • Unexpected accidents/fortuitous accidents – Caused by accidents such as fire, explosion, vessel being stranded , grounded, sunk or capsized, collision, missing, etc.
外贸函电——保险部分
2020/7/16
• 9 If any other risks are to be insured against, please let us know by the end of this week, so that we can adjust our insurance charges accordingly and effect shipment without delay. If higher percentage is required, we can do as requested pr ovided you bear the extra premium.
• Eight replacement receivers will be required. please arrange to supply these and charge to our account.
• We hope no difficulty will arise in connection with the insurance claim and thank you in advance for your trouble on our behalf.
• Rejection risk 拒收险
• Aflatoxin risk 黄曲霉素险
2020/7/16
• Fire risk extension clause for storage of cargo at destination Hong Kong, including Kowloon or Macao 出口到港、澳地区（包括 九龙）的货物存仓火险
外贸函电-Unit 12 保险
办法
As we understand that as per your customary practice,
you only insure the shipment for 10% above the
invoice value, the extra premium for additional coverage shall be for our account.（我们知道按照你 方的惯例，你方仅对货物发票金额加一成投保， 而附加险的额外保险费将由我方承担。）
We are pleased to inform you that we have covered
the shipment with … against …for …（很高兴告知，
（2） 告知对方
我方已向……办理投保手续，投保……（险别）， 投保金额为……。）
保险条款、
投保险别、Although it is our usual practice to take out insurance
12.2 Writing Skills（写作技巧）
进口方写给出口方请其代办保险信函的写作步骤 及常见表达方式:
写作步骤
表达方式
We wish to refer you to…（请参阅……。）
（1）
说明某合 同项下的 We are pleased to inform you that…（很高兴告
来函 知……。）
附加险(Extraneous Risks)，包括一般附加险、特殊附加 险和特别附加险。
常见的一般附加险有11种，分别为：
(1) Theft, Pilferage and Non-Delivery Risks(简称T.P.N.D.或 TPND)偷窃、提货不着险 (2) Fresh and/or Rain Water Damage Risks淡水雨淋险 (3) Shortage Risk或Risk of Shortage短量险 (4) Intermixture and Contamination Risks混杂、沾污险 (5) Leakage Risk或Risk of leakage渗漏险 (6) Clash and Breakage Risks碰损、破碎险
外贸函电 保险 Insurance
特别附加险（Special Additional Risks） 1.Failure to Deliver Risk 交货不到险 2. Import Duty Risk 进口关税险 3. On Deck Risk 舱面险 4. Rejection Risk 拒收险 5. Aflatoxin Risk 黄曲霉素险 6. War Risk 战争险 7. Strike Risk 罢工险 8. Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong, Including Kowloon, or Macau 出口货物到香港（包括九龙在内）或澳门存仓火险责 任扩展条款
Unit 9 Insurance
• • • • 9.1 Introduction of Insurance 9.1.1 The Parties of Insurance 9.1.2 Risks, Losses and Expenses 9.1.3 Ocean Marine Insurance Under C.I.C. 9.1.4 Insurance Documents 9.2 Specimen Letters of Insurance
10
（一）全部损失： Total Loss
一张保单所保货物的完全损失
一张保险单下包括多张提单的货物， 其中一张或几张提单货物的完全灭失 一条驳船所载货物的完全损失
装卸过程中一个整件货物的完全损失
1、实际全损 Actual Total Loss
被保险货物的实体已经完全灭失
被保险货物遭到严重损害，已丧失了原有的 用途和价值 被保险人对保险货物的所有权已无可挽回地 被完全剥夺 载货船舶失踪，达到一定时期仍无音讯
函电保险信怎么写范文(优选4篇)
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外贸函电保险范文
以下是一篇关于外贸函电保险的范文：
主题：关于保险的函电
尊敬的客户：
您好！
感谢您选择我们作为您的合作伙伴。
根据您的要求，我们将为您提供一份详细的保险方案，以确保您的货物在运输过程中得到充分的保障。
在这份保险方案中，我们将为您的货物提供全面的保险覆盖，包括但不限于运输途中的意外损失、盗窃、火灾、水灾等风险。
同时，我们还将提供专业的理赔服务，确保您在遭受损失时能够得到及时的赔偿。
我们深知保险对于您的货物安全至关重要，因此我们将竭尽全力为您提供最优质的服务。
如果您对保险方案有任何疑问或需要进一步的咨询，请随时与我们联系。
再次感谢您的信任与支持，期待与您的合作。
XXX 公司
XXXX 年XX 月XX 日
以上是一篇简单的外贸函电保险范文，您可以根据实际情况进行修改和调整。
如果您需要更详细或专业的函电，建议咨询专业人士或相关机构。
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I'm looking for insurance from your company.我是到贵公司来投保的。
Mr. Zhang met Mr. William in the office of the People' Insurance Company of China. 张先生在中国人民保险公司的办公室接待了威廉先生。
After loading the goods on board the hip, I go to the insurance company to have them insured.装船后，我到保险公司去投保。
When should I go and have the tea insured?我什么时候将这批茶叶投保？All right. Let's leave insurance now.好吧，保险问题就谈到这里。
I have come to explain that unfortunate affair about the insurance.我是来解释这件保险的不幸事件的。
I must say that you've corrected my ideas about the insurance.我该说你们已经纠正了我对保险的看法。
This information office provides clients with information on cargo insurance.这个问讯处为顾客提供大量关于货物投保方面的信息。
The underwriters are responsible for the claim as far as it is within the scope of cover. 只要是在保险责任范围内，保险公司就应负责赔偿。
The loss in question was beyond the coverage granted by us.损失不包括在我方承保的范围内。
The extent of insurance is stipulated in the basic policy form and in the various risk clause.保险的范围写在基本保险单和各种险别的条款里。
Please fill in the application form.请填写一下投保单。
Words and Phrasesinsure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商（指专保水险的保险商）保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人，受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件What risks is the People's Insurance Company of China able to cover?中国人民保险公司承保的险别有哪些？What risks should be covered?您看应该保哪些险？What kind of insurance are you able to provide for my consignment?贵公司能为我的这批货保哪些险呢？It's better for you to can the leaflet, and then make a decision.你最好先看看说明书，再决定保什么险。
These kinds of risks suit your consignment.这些险别适合你要投保的货物。
May I ask what exactly insurance covers according to your usual C.I.F terms?请问根据你们常用的CIF价格条件，所保的究竟包括哪些险别？It 's important for you to read the "fine print" in any insurance policy so that you know what kind of coverage you are buying.阅读保险单上的“细则”对你是十分重要的，这样就能知道你要买的保险包括哪些项目。
Words and PhrasesPICC (People's Insurance Company of China) 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则what is the insurance premium?保险费是多少？The premium is to be calculated in this way.保险费是这样计算的。
The total premium is 800 U.S. dollars.保险费总共是800美圆。
The cover paid for will vary according to the type of goods and the circumstances.保险费用按照货物类别的具体情况会有所不同。
The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance.我们所收取的费率是很有限的，当然，保险费用要根据投保范围的大小而有所不同。
According to co-insurance clauses, the insured person must pay usually 20 percent ofthe total expenses covered.根据共同保险条款，保险人通常必须付全部费用的百分之二十。
The insurance rate for such kink of risk will vary according to the kind.这类险别的保险费率将根据货物种类而定。
Insurance brokers will quote rates for all types of cargo and risks.保险经纪人会开出承保各类货物的各种险别的费用。
Can you give me an insurance rate?您能给我一份保险率表吗？Could you find out the premium rate for porcelain?您能查一下瓷器的保险费率吗？You should study not only the benefits but also the terms and limitations of an insurance agreement that appears best suited to your needs.你不仅要研究各种保险所标明的给予保险人的赔偿费用，还要研究它的条件与限制，然后选出最适合你需要的一种。
Words and Phrasesinsurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金（保险收入）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 Leakage.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 coverage 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 ofBreakage?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。