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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
要求办理 保险的来 We have received your letter of…, asking us to insure
函 the goods for an amount of … % above the invoice value.(我们已经收到你方……日来函,要求我方 对该货物按发票金额加成……%投保。)
对于CIF交易,习惯上由出口方按发票金额(Invoice Value) 的110%投保一切险(All Risks),即100%是CIF发票总值, 10%是合理的利润和其他费用。有时,进口方要求投保的 金额会超过110%,此时,额外保险费应由进口方承担(For the buyer’s account)。
常见的特殊附加险有2种,分别为: (1) War Risk战争险 (2) Strikes Risk罢工险
常见的特别附加险有6种,分别为:
(1) Failure to Delivery 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)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
等)
We wish to know whether you can issue a special rate for shipments.(我们希望知道贵公司能否对 该货物给予特惠保险费率。)
(3)
We shall appreciate it if the goods could be insured at favorable rate.(如蒙该货物能以优惠保险费率 投保,我们将不胜感激。)
出口方回复进口方请其代办保险信函的写作步骤 及常见表达式:
写作步骤
表达方式
This is to acknowledge receipt of … requesting us to
effect insurance on the shipment for your account.
(1) 确认对方
(收到你方……日来函,要求我方对该批货物代 办保险。)
(7) Hook Damage Risk钩损险 (8) Rust Risk或Risk of Rust锈损险 (9) Breakage of Packing Risk包装破裂险 (10) Sweating and Heating Risks受潮受热险 (11) Taint of Odor Risks串味险
对该批货物按发票金额的130%投保。)
The policy is being prepared accordingly and will be
forwarded to you by next Tuesday together with our
(3) 说明保险
debit note for the premium.(我方准备将相应的保 单及我方关于保险费的索款通知单,于下周二寄 送你方。
We shall of course refund the premium to you upon receipt of your debit note.(当然,一收到你方的还 款通知,我方立即将保险费退还你方。)
(3)
告知保险 费的支付
If you like, you may draw on us at sight for the amount required.(如果你方愿意,你方可以开立一 张该金额的即期汇票向我方索款。)
FOREIGN BUSINESS CORRESPONDENCE
Unit 12 Insurance 保险
12.1 Introduction(简介)
目的:掌握如何向保险公司进行投保,以及一旦 发生损失,如何进行索偿。
货物运输保险是指投保人(Insured)在货物装运前向保险人 (Insurer)投保,即办理保险手续(Insurance Formalities)、选 择保险险别(Coverage)、确定保险金额(Insurance Amount)、 支付保险费(Premium)并领取保险单证(Insurance Documents) 的过程。此后,如果投保货物在运输中遇险而发生损失, 则承保人应负责对投保险别范围内的损失进行经济补偿。
保险金额、for the invoice value plus 10%, we are prepared to
保险单据 comply with your request for getting cover for 130%
等 of the invoice value.(尽管我们的惯例是按照发票
金额110%投保,但是此次我们准备同意你方要求
(4)
We sincerely hope that our request will meet with your approval.(我们希望此要求能得到你方同 意。)
进一步提
出办理保
险的要求 Please arrange insurance according to our request. (请按我方要求办理投保。)
希望对方
同意保险
要求,并 We shall apprciate it if the goods could be insured 盼早日回 at favorable rate.(如蒙该货物能以优惠保险费率
复 投保,我们将不胜感激。)
保险公司回复投保人信函的写作步骤 及常见表达式:
写作步骤
表达方式
的目的 (关于保 险信息或 We write this letter to you in the hope of getting some 要求特惠 information about the special rate of insurance.(特致 保险费率 函,希望获得有关特惠保险费率的信息。)
We have acknowledged receipt of your letter of…and
are pleased to note your readiness to insure with us a
一旦投保货物在运输中发生投保险别范围内的损失, 须向保险公司或其代理人立即提出保险索赔(Insurance Claim)。为了落实货物的正常索赔,保险索赔时需要提 交以下文件:
保险单(Insurance Policy)或保险凭证(Insurance Certificate)
提单(Bill of Lading) 原始发票(Original Invoice) 检验报告(Survey Report) 船长声明书(Master’s Protest) 索赔报告书(Statement of Claim)等
中国人民保险公司(PICC) 制定的中国保险条款(China Insurance Clauses略称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:
平安险(Free from Particular Average,FPA) 水渍险(With Particular Average,WPA) 一切险(All Risks) 除以上三种基本险别外,还有:
(2)
说明所投 保保险的 险别,确 定投保的
金额
Please see to it that the insurance is covered for …% of the invoice value against …(请务必保 证,该批货物投保金额为发票金额的……%,投 保险别为……。)