insurance policy 保险单 俗称大保单，正规保单 保险单除载明投 保险单, 俗称大保单，正规保单---保险单除载明投 保各项内容外，还列有保险公司的责任范围及双方的权利义务。 保各项内容外，还列有保险公司的责任范围及双方的权利义务。 insurance certificate 保险凭证 分保单，俗称小保单 简式保单， 保险凭证, 分保单，俗称小保单----简式保单 简式保单， 对双方的权利义务未加叙述，常用于双方订有预约保单的情况下。 对双方的权利义务未加叙述，常用于双方订有预约保单的情况下。
2. Loss： ：
A. (1)Total Loss 全部损失 1) Actual Total Loss 实际全损 2) Constructive Total Loss 推定全损 (2) Partial Loss 部分损失 (1) General Average 共同海损 (2) Particular Average 单独海损
International Business Correspondence Chapter 9 Insurance
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Famous Dictum
• —If you fail, don‘t forget to learn your lesson. 如果你失败了，千万别忘了汲取教训。 如果你失败了，千万别忘了汲取教训。 • —Live a noble and honest life. Reviving past times in your old age will help you to enjoy your life again. 过一种高尚而诚实的生
B.
3. Marine Charge 海上费用
(1) Sue and Labor Charge 施救费 (2) Salvage Charge 救助费用
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Insurance Coverage of CIC
1. Basic Risks 基本险：
★ There are three principle perils/covers under Ocean Marine Cargo Clauses(海洋货物运输保险条 海洋货物运输保险条 款): 详见书 FPA (Free from Particular Average) 平安险 WA or WPA ( With average or With Particular Average) 水渍险 All Risks 一切险，综合险 一切险，
2. Additional Risk附加险：
☆There are two additional risks： ：
General Additional Risk 一般附加险 Special Additional Risk 特殊附加险
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General additional risks (一般附加险） 一般附加险） 一般附加险
活。当你年老时回想起过去，你就能再一次享 当你年老时回想起过去， 受人生。 受人生。
• —Never judge people by their appearance.
永远不要以貌取人。 永远不要以貌取人。
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• —Don't let a little dispute break up a great friendship.
we insure the goods against All Risks for 110% of the invoice value. Please insure the goods With Particular Average. We insure (goods) against Leakage.
We have covered insurance on your purchases against all risks at invoice value plus 10%. He has 50,000 fire insurance on the house. We think it simpler to have the insurance taken care of by you.
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Studying Background
• There are all kinds of risks in international trade. Insurance is necessary as it transfers them to the insurance company.
insured: 被保险人 insurer/underwriter：保险人，保险业者，保险商 ：保险人，保险业者， premium：保险费 ：
• insure with an insurance company
We’ll insure the goods with The People’s Insurance Company of China.
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insurance
insurance n. 保险费，保险金，保险额 保险费，保险金， • effect / provide / arrange / cover insurance
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Special Additional Risks
There are 8 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 Macao 出口货物到香港（包括九龙在内）或澳门 出口货物到香港（包括九龙在内） 存仓火险责任扩展条款
不要让小小的争端损毁了一场伟大的友谊。 不要让小小的争端损毁了一场伟大的友谊。
• —Forever friend gets you through the hard times, the sad times, and the confused times.
真正的朋友会与你一同渡过困难、伤心和烦恼 真正的朋友会与你一同渡过困难、 的时刻。 的时刻。
• • • • •
insurance amount 保险金额 insurance premium 保险费 insurance policy 保险单 insurance coverage 保险责任范围 insurance indemnity 保险赔偿
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Cover
1、n. 保险 、 We have arranged the necessary insurance cover. 2、V. 保险， 投保 后可接所保的货物、和投保的险别、 、 保险， 后可接所保的货物、和投保的险别、 insurane 和被保险人。 和被保险人。 We shall cover the goods against all risks. We shall cover all risks and war risk for you. Insurance is to be covered by the buyers. This insurance policy covers us against breakage. Coverage : 保险范围
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Scope of Marine Insurance
1. Risk:
(1) perils of the sea 海上风险 1) Nature Calamities 自然灾害 2) Accidents 意外事故 (2) Extraneous Risks 外来风险 1)General Extraneous Risks 一般外来风险 2) Special Extraneous Risks 特殊外来风险
• Insurance in international trade mainly refers to marine / maritime (cargo) insurance as the majority of international goods are delivered by sea. • The contract of insurance is made in the form of an insurance policy or insurance certificate.
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Contents
◆ Introduction ◆ Key Words ◆ Specimen letters ◆ Language summary ◆ ercises
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Ⅰ Introduction
• Types of International cargo transport insurance 国际货物运输保险种类 • Insurance Clauses 保险条款 • Scope of Marine Insurance • Insurance Coverage of CIC
• 保险责任的起讫：
Warehouse to Warehouse Clause (w/w Clause) 仓至仓条款
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Insurance Clauses 保险条款
1.China Insurance Clauses 中国保险条款（C.I.C） (made by PICC) Ocean Marine Cargo Clauses 中国海洋运输货物保险条 款（OMCC） 2.Institute Cargo Clauses 协会货物保险条款 （I.C.C） ①ICC(A) ④ Institute War clauses--Cargo ②ICC (B) ⑤ Institute Strike clauses--Cargo ③ICC (C) ⑥ Malicious Damage Clause恶意损害险条款