外贸函电--Insurance课堂
合集下载
chapter 10 Insurance 《外贸英语函电》PPT课件
14
Basic Knowledge
3.All Risks
Aside from the risks covered under the F.P.A and W.A conditions as above, this insurance also covers all risks of loss or damage to the insured goods whether partial or total, arising from external causes in the course of transit. 一切险的责任范围除包括上列“平安险”和“水渍险”的所 有责任外，还包括货物在运输过程中，因各种外来原因所造 成保险货物的损失。不论全损或部分损失，除对某些运输途 耗的货物，经保险公司与被保险人双约定在保险单上载明的 免赔率外，保险公司都给予赔偿。
special extra risks 特殊附加险
16
Basic Knowledge
General Extra Risks一般附加险
1)T.P.N.D. Theft, Pilferage and Non-Delivery 2)Fresh Water and Rain Damage
Fresh and/or Rain Water Damage 3)Risk of Shortage 4)Risk of Intermixture and Contamination Risks 5)Risk of Leakage 6)Risk of Clash and Breakage 7)Risk of Odour3ຫໍສະໝຸດ Basic Knowledge
Broker in the western countries, the exporter, who wishes to have his goods insured, does not approach the insurer directly but instructs an insurance broker to insure on his behalf. The exporter forwards his instructions on a form supplied by the broker and gives the required details on the form. The broker, who is authorized to place insurance with certain limits, write the particulars of the proposed insurance on a document called “slip”(pink slip. An employee's termination notice.) and sends the assured a memorandum of the insurance on a duplicate form of instructions.
Basic Knowledge
3.All Risks
Aside from the risks covered under the F.P.A and W.A conditions as above, this insurance also covers all risks of loss or damage to the insured goods whether partial or total, arising from external causes in the course of transit. 一切险的责任范围除包括上列“平安险”和“水渍险”的所 有责任外，还包括货物在运输过程中，因各种外来原因所造 成保险货物的损失。不论全损或部分损失，除对某些运输途 耗的货物，经保险公司与被保险人双约定在保险单上载明的 免赔率外，保险公司都给予赔偿。
special extra risks 特殊附加险
16
Basic Knowledge
General Extra Risks一般附加险
1)T.P.N.D. Theft, Pilferage and Non-Delivery 2)Fresh Water and Rain Damage
Fresh and/or Rain Water Damage 3)Risk of Shortage 4)Risk of Intermixture and Contamination Risks 5)Risk of Leakage 6)Risk of Clash and Breakage 7)Risk of Odour3ຫໍສະໝຸດ Basic Knowledge
Broker in the western countries, the exporter, who wishes to have his goods insured, does not approach the insurer directly but instructs an insurance broker to insure on his behalf. The exporter forwards his instructions on a form supplied by the broker and gives the required details on the form. The broker, who is authorized to place insurance with certain limits, write the particulars of the proposed insurance on a document called “slip”(pink slip. An employee's termination notice.) and sends the assured a memorandum of the insurance on a duplicate form of instructions.
国际经贸函电课件 6 Insurance
• Master useful words, phrases and expressions
Section 1: Introduction
1.1 Usual practice of insurance in the international trade
Who is responsible for the insurance under the terms of FOB, CIF, CFR?
Kinds of Risks
• Risks in cargo transportation are of many kinds; • Different risks mean different losses, and different risks are covered by different insurance clauses; • Different insurance clauses mean different premiums.
Insurer
In insurance, the party who insures others against possible losses or damages and undertakes to make payment in case of loss is called the insurer.
Section 1: Introduction
1.2 Basic concepts involved in insurance
insurer 承保人（保险公司）
insured 投保人（被保险人）
insurance policy 保险单
insured amount 保险金额
Premium 保险费
Section 1: Introduction
1.1 Usual practice of insurance in the international trade
Who is responsible for the insurance under the terms of FOB, CIF, CFR?
Kinds of Risks
• Risks in cargo transportation are of many kinds; • Different risks mean different losses, and different risks are covered by different insurance clauses; • Different insurance clauses mean different premiums.
Insurer
In insurance, the party who insures others against possible losses or damages and undertakes to make payment in case of loss is called the insurer.
Section 1: Introduction
1.2 Basic concepts involved in insurance
insurer 承保人（保险公司）
insured 投保人（被保险人）
insurance policy 保险单
insured amount 保险金额
Premium 保险费
外贸函电 unit11 insurance
Exercise and Key
• 7. We shall appreciate it very much if you can accept D/P payment terms.
• 假如你方能接受“付款交单”支付方式，我们 将非常感激。 • 8.In view of the fact, we have changed the packing to small wooden cases. • 鉴于这一事实，我们已将包装改为小木箱。
Exercise and Key
• 3．There is no possibility of getting business done unless you reduce your price by 2％． 你方必须降价2％，否则没有成交的可能. • 4. Under separate cover we have already sent you our samples and 3 brochures. 我方已另寄给你方样品和三本商品小册子。
Exercise and Key
• 5. Owing to the shortage of raw materials the manufacturers are compelled to decline new orders. 由于原料缺乏，工厂被迫停止接受新的定单。 • 6. This change would involve a lot of extra expenses. • 这一变动将涉及许多额外花费。
• Insurable Interest Principle • 可保利益原则
Principles of insurance
• Bona Fide Principle • 最大诚信原则
外贸函电--Insurance(课堂PPT)
may include a particular average loss(单独海损), a general average loss(共同海损) and particular charges(特殊收费). Thus there are two distinct types of partial loss.
9
Part 2. Losses in Ocean Transportation Ocean average 海损
When used for insurance, the word ‘average’ has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
单独海损是指被保险货物遭受海损后，其损失未达到全损程 度，而且是无共同海损性质的部分损失，应由受损方单独承担。
11
Part 2. Losses in Ocean Transportation
（ⅱ）General average loss 共同海损
A loss may be accidental意外的 or intentional人为的. A general average loss is caused intentionally, and such a loss is beneficial to others, then those who have benefited should share that loss. Thus a general average loss is a loss resulting from a voluntary sacrifice or expenditure in time of peril, for the safety of hull, cargo and freight.（共同海损是指在发生危险时， 为了船舶、货物和运输的安全作出自愿牺牲或为此付出费用所引 起的损失。）
9
Part 2. Losses in Ocean Transportation Ocean average 海损
When used for insurance, the word ‘average’ has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
单独海损是指被保险货物遭受海损后，其损失未达到全损程 度，而且是无共同海损性质的部分损失，应由受损方单独承担。
11
Part 2. Losses in Ocean Transportation
（ⅱ）General average loss 共同海损
A loss may be accidental意外的 or intentional人为的. A general average loss is caused intentionally, and such a loss is beneficial to others, then those who have benefited should share that loss. Thus a general average loss is a loss resulting from a voluntary sacrifice or expenditure in time of peril, for the safety of hull, cargo and freight.（共同海损是指在发生危险时， 为了船舶、货物和运输的安全作出自愿牺牲或为此付出费用所引 起的损失。）
外贸谈判-insurance课件
Questions-Answers: 1) what the coverage of insurance will the seller buy from the insurance company? 2) What’s the buyer’s opinion for the insurance and why? 3)What’s the buyer’s request for the invoice value covered? 4)who will pay the extra insurance premium according to the seller? 5) Did the buyer agree to pay for the extra premium and why? 6)what is their final decision on the premium? 7) what’s the terms of payment?
Fortuitous Accidents 意外事故
Make a list of natural calamities and fortuitous accidents
Natural Calamities
Fortuitous accidents
hurricane B
earthquake
A
C
lightning
If you need to cover the risk of breakage, it is the buyer’s account to pay for the extra premium
If you join the organization，you must comply with its rules
外贸英语函电Unit10Insurance
风险 Risks
损失 Losses
海上损失
其他损失
全部损失 Total Loss
实际全损Actual Total Loss
推定全损 Constructive Total Loss
部分损失 Partial Loss
共同海损General Average
单独海损Particular Average
Perils of the sea
heavy weather, lightening, earthquake, volcanic eruption and so on.
natural calamities:
fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external object other than water
Coverage
Free from Particular Average (F.P.A) With Particular Average or With Average (W.P.A or W.A) All Risks
basic risks
general additional risks special additional risk
Insurance Policy (保险单,俗称大保单) Insurance Certificate (保险凭证，俗称小保单） Open Policy /Open Cover (预约保险单/总保险单)
2.Particular average: It means partial loss or damage accidentally caused to the ship or to a particular lot of goods. Particular average is not a total loss. It must be borne by the owner of the property suffering the loss, it is distinct from general average, which is shared by all who have a financial interest in the voyage and its risks in proportion to the value of their interests.
外贸函电__关于保险Unit12_Insurance
Insured Amount = CIF price x ( 1 + markup percentage )
The insurance premium
The formula for calculating the premium under CIF trade terms:
Insurance Premium = insured amount x premium rate = CIF price x ( 1+ markup percentage ) x premium rate
Expenses incurred
• Two types of expenses
– Sue or labor expenses (eg.施救费)
• When the subject matter suffers the risks within insurance coverage • the insured takes measures to avert or minimize the loss or damage to the subject matter insured.
8. Partial loss caused directly by natural calamities 9. Loss or damage due to external causes including general extraneous risks, excluding special extraneous risks and exclusions
1. Total loss
Actual total loss Constructive total loss
due to
a. natural calamities b. fortuitous accidents
The insurance premium
The formula for calculating the premium under CIF trade terms:
Insurance Premium = insured amount x premium rate = CIF price x ( 1+ markup percentage ) x premium rate
Expenses incurred
• Two types of expenses
– Sue or labor expenses (eg.施救费)
• When the subject matter suffers the risks within insurance coverage • the insured takes measures to avert or minimize the loss or damage to the subject matter insured.
8. Partial loss caused directly by natural calamities 9. Loss or damage due to external causes including general extraneous risks, excluding special extraneous risks and exclusions
1. Total loss
Actual total loss Constructive total loss
due to
a. natural calamities b. fortuitous accidents
外贸函电教案9 .Insurance
1.导入法
Leading in
1. Insurance is defined as financial protection against loss or harm. It is an arr angement by which a company gives customers financial protection against loss,
erent costs. The buyer and the seller must decide on which policies are most
第2页共4页
beneficial.
The coverage is usually placed at 110 percent of the CIF (cost, insuran ce, freight) or CIP (carriage and insurance paid) value. Notice that the value is more than that of the goods. This is because of extra costs in filing clai
教学方法
Interactive teaching, reading, translation, discussion, questions & answers
I. Revision, Leading In
II. Detailed Study of Related knowledge and specimen letters
。
Particular Average
Peril on the Sea
Sea Water Damage
TPND (theft, pilferage, non-delivery)
Unit 13 Insurance 外贸函电课件
m n. 保险费 保险费回扣 保险费率表 额外保险费 premium rebate premium tariff extra premium
1) 保险费是根据投保险别的保险费率计算的。 The premium is calculated according to the premium rate or rates for risks to be covered. 2) 此种险别的保险费率是百分之一。 This risk is coverable at a premium of 1%. 3) Insurance of the goods is to be covered by us for 110% of the CIF value, and any extra premium for additional insurance, if required, shall be borne by the buyers. 货物的保险将由我方以CIF价的110%投保。如果要求投保附加 险，额外保险费将由买方自理。
Unit Thirteen
Insurance
Liu Yanping
Contents
1 2 3 4 5
Brief Introduction
Writing Steps
Language Points
Useful Sentences Practice
I. Brief Introduction
Think about: Why insurance is important in foreign trade? To protect the goods against possible loss in case of sea perils.
I. Brief Introduction
1) 保险费是根据投保险别的保险费率计算的。 The premium is calculated according to the premium rate or rates for risks to be covered. 2) 此种险别的保险费率是百分之一。 This risk is coverable at a premium of 1%. 3) Insurance of the goods is to be covered by us for 110% of the CIF value, and any extra premium for additional insurance, if required, shall be borne by the buyers. 货物的保险将由我方以CIF价的110%投保。如果要求投保附加 险，额外保险费将由买方自理。
Unit Thirteen
Insurance
Liu Yanping
Contents
1 2 3 4 5
Brief Introduction
Writing Steps
Language Points
Useful Sentences Practice
I. Brief Introduction
Think about: Why insurance is important in foreign trade? To protect the goods against possible loss in case of sea perils.
I. Brief Introduction
Unit 11 Insurance外贸函电
Writing
Write a letter to your customer to urge shipment of Blue Wollen Serge under Order No.5781. The relevant L/C has been extended to 31st match.
Dear sirs, We wish to invite your attention to our Order No.5781 covering 500 pieces Blue Woolen Serge, for which we sent to you about 30 days ago an irrevocable L/C expiration date 31st March. As the season is rapidly approaching, our buyers are badly in need of the
投保，办理保险 Cover insurance Arrange insurance Effect insurance Provide insurance Take out insurance
说明情况时，insurance后介词的用法： 1.表示所保的货物，后接 on，如： insurance on the 100 ton of wool。 2. 表示投保的险别。后接 against。如： Insurance against all risks 3. 表示保额。后接for 如 insurance for 110％ of the invoice value
Wordy study
Refer
Exercises
II. 9. Please insure at invoice value plus 10%. 请按发票金额的110%投保。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
3
Risks in Cargo Transportation
Risks in cargo transportation are of many kinds. Different risks mean different losses And different risks are covered by different insurance clauses and different
insurance clauses mean different premiums 保险费 . So
we need to have a good understanding of the different risks and losses before we know how to effect insurance. In marine cargo transportation insurance , risks fall into
6
Part 1. Perils in Ocean Transportation
（2） Fortuitous accidents 意外事故 Fortuitous accidents mainly include ship stranded
(搁浅), striking a rock, ship sinking( 沉没), ship collision( 互撞), colliding with icebergs or other objects, fire, explosion and ship missing and other accidents with sea characteristics.
General extraneous risks include theft, breakage, leakage, contamination, sweat and heating( 受潮受热), taint of odor( 串味), hook damage( 钩损), shortage( 短量) and rust( 锈损)
perils of the sea 海难 and extraneous risks 外来风险.
4
Perils in Ocean Transportation
1.Perils of the Sea海难/海上风险 (1) Natural calamities海上发生的自然灾害 (2) Fortuitous accidents意外事故 2.Extraneous risks外来风险 (1) General extraneous risks (2) Special extraneous risks
5
Part 1. Perils in Ocean Transportation
? kinds of perils 风险种类 In marine insurance, perils are generally of two
kinds. 1. Perils of the sea 海上风险（又称海难） （1）Natural calamities 海上发生的自然灾害
9
Part 2. Losses in Ocean Transportation ? Ocean average 海损
When used for insurance, the word ‘average' has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
Unit Eleven Insurance
1
What is the purpose of insurance?
house against fire.
? You can insure your car against accident/theft.
nose against harm.
life insurance. 人寿险
Natural calamities cover vile weather( 恶劣气 候)，thunder and lightening( 雷电)，tsunami(海啸， tidal waves), earthquake, floods and other irresistible disasters. （不可抗拒的灾害）
particular average
partial loss ( 单独海损）
general average （共同海损）
? 险别：risks, perils, coverages
保险公司按照不同险别包括的风险所造成的损失和发生的费 用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着 紧密的联系，为此，我们对保险公司所能承保的风险与损失的种 类和内容必须有准确的理解。
7
Part 1. Perils in Ocean Transportation
2. Extraneous risks 外来风险 Extraneous risks ree
sea. 常见 （1）General extraneous risks 一般外来风险
health insurance.
? You can effect a endowment insurance.养老保险
accident insurance.
burglary and robbery insurance
cargo
2
关系？
? 风险： risks, perils
total loss
? 损失：losses
8
Part 1. Perils in Ocean Transportation
（2）Special extraneous risks 特殊外来风险 Special extraneous risks refer to risks resulting
from military affairs, political and administrative rules such as war, strikes, failure to deliver( 交货不到), rejection( 拒绝收货)
Risks in Cargo Transportation
Risks in cargo transportation are of many kinds. Different risks mean different losses And different risks are covered by different insurance clauses and different
insurance clauses mean different premiums 保险费 . So
we need to have a good understanding of the different risks and losses before we know how to effect insurance. In marine cargo transportation insurance , risks fall into
6
Part 1. Perils in Ocean Transportation
（2） Fortuitous accidents 意外事故 Fortuitous accidents mainly include ship stranded
(搁浅), striking a rock, ship sinking( 沉没), ship collision( 互撞), colliding with icebergs or other objects, fire, explosion and ship missing and other accidents with sea characteristics.
General extraneous risks include theft, breakage, leakage, contamination, sweat and heating( 受潮受热), taint of odor( 串味), hook damage( 钩损), shortage( 短量) and rust( 锈损)
perils of the sea 海难 and extraneous risks 外来风险.
4
Perils in Ocean Transportation
1.Perils of the Sea海难/海上风险 (1) Natural calamities海上发生的自然灾害 (2) Fortuitous accidents意外事故 2.Extraneous risks外来风险 (1) General extraneous risks (2) Special extraneous risks
5
Part 1. Perils in Ocean Transportation
? kinds of perils 风险种类 In marine insurance, perils are generally of two
kinds. 1. Perils of the sea 海上风险（又称海难） （1）Natural calamities 海上发生的自然灾害
9
Part 2. Losses in Ocean Transportation ? Ocean average 海损
When used for insurance, the word ‘average' has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
Unit Eleven Insurance
1
What is the purpose of insurance?
house against fire.
? You can insure your car against accident/theft.
nose against harm.
life insurance. 人寿险
Natural calamities cover vile weather( 恶劣气 候)，thunder and lightening( 雷电)，tsunami(海啸， tidal waves), earthquake, floods and other irresistible disasters. （不可抗拒的灾害）
particular average
partial loss ( 单独海损）
general average （共同海损）
? 险别：risks, perils, coverages
保险公司按照不同险别包括的风险所造成的损失和发生的费 用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着 紧密的联系，为此，我们对保险公司所能承保的风险与损失的种 类和内容必须有准确的理解。
7
Part 1. Perils in Ocean Transportation
2. Extraneous risks 外来风险 Extraneous risks ree
sea. 常见 （1）General extraneous risks 一般外来风险
health insurance.
? You can effect a endowment insurance.养老保险
accident insurance.
burglary and robbery insurance
cargo
2
关系？
? 风险： risks, perils
total loss
? 损失：losses
8
Part 1. Perils in Ocean Transportation
（2）Special extraneous risks 特殊外来风险 Special extraneous risks refer to risks resulting
from military affairs, political and administrative rules such as war, strikes, failure to deliver( 交货不到), rejection( 拒绝收货)