insurance(文件)
【正文】 ；保險人承保后，如果所保貨物在運(yùn)輸過程中發(fā)生約定范圍內(nèi)的損失，應(yīng)按照所出具的保險單的規(guī)定給予被保險人經(jīng)濟(jì)上的補(bǔ)償。Insurance保險Brief Introduction在國際貿(mào)易中，貨物從賣方到達(dá)買方，通常要經(jīng)過長途的運(yùn)輸、裝卸和存儲等過程。投保時，通常選擇平安險（.）,水漬險（. ）或一切險（.）三種基本險別中的一種，然后，加保其他必要的特殊附加險別。4. The insurance pany insures this risk with 5% franchise.保險公司保這種險有百分之五的免賠額。8. The premium is calculated according to the premium rate or rates for risks to be covered.保險費(fèi)是根據(jù)投保險別的保險費(fèi)率計(jì)算的。12. Do you cover risk other than . and War Risk?除了水漬險和戰(zhàn)爭險外，你們還保其他險嗎？13. As a rule, the extra premium involved will be for buyer’s account.按常規(guī)，額外保險費(fèi)應(yīng)由買方負(fù)責(zé)。18. Breakage is a special risk, for which an extra premium will have to be charged.破碎險是一種特別險，需收取額外保險費(fèi)。我們約好四點(diǎn)鐘見面，是不是？ 是的，王小姐。 謝謝你來。我們當(dāng)然對這種回答不滿意。 問題就在這里。B: In the letter of credit only coverage for all marine risks?was requested. I should like to point out that our prices were calcu lated without insurance for any special risk. So we applied for the usual . coverage and let our customers deal with the matter of breakage. Since the validity of the letter of credit was going to expire in two days, there was no time to write for more detailed instructions. If the L/C had been valid for a longer period, we should have had time to make the matter thoroughly clear.A: Mr. Brown, our import license only ran up to the middle of February, consequently we were not able to extend the validity of the letter of credit. But we presume that the wording of our L/C implies covering the risk of breakage. Besides, when I take a . A. insurance, that is, with particular average, I should think the risk of breakage is a par ticular average, isn’t it?J: Not every breakage is a particular average. It is a particular aver age when the breakage results from natural ca lam i ties or mar i time accidents, such as stranding and sinking of the car ry ing vessel, or is attributable to fire, explosion or collision. If none of these conditions occur, break age is often considered as an or di nary loss and rep re sents what we call ?inherent vice or nature of the subject matter insured? which is outside the scope of the coverage. 信用證只要求投?！熬C合海運(yùn)險”。 布朗先生，我們進(jìn)口許可證的有效期到二月中旬截止，因此我們無 法延長信用證的有效期。如果沒有發(fā)生上述事故，破 碎便常被認(rèn)為是一種普通損失，也就是我們所說的，由于“貨物內(nèi) 在缺陷或特性”所引起的損失，不屬于承保范圍之內(nèi)。這類險別的保險費(fèi)率 將根據(jù)貨物種類，比如陶瓷器，根據(jù)貨物的易脆性而有所不同。 那我來解釋一下這種保險吧。換句話說，投?！耙?切海洋運(yùn)輸貨物險”，其損失的賠償只限于因海上災(zāi)難和海運(yùn)意外事故所引起的損失。另外一件事我現(xiàn)在還不明白的是，?！八疂n險”有什么 好處。這是個很普通卻又是個 很錯誤的想法，那就是商人投保了“水漬險”，便以為足以保障其 利益不受損失。我知道“平安險”并 不包括消費(fèi)品的種種損失，但我確實(shí)以 為“水漬險”比“平安 險”承保的范圍更大。這是“水漬險”與“平安險”唯一不同之處。你能否說得 簡單一點(diǎn)？ 我試試看。這些就是特別險。 現(xiàn)在我才知道，你為什么經(jīng)常向我們指出，你對某些信用證的措辭 感到不愉快。 所以我得說雙方都有錯誤，我認(rèn)為損失應(yīng)由雙方承擔(dān)，我們就對半 負(fù)擔(dān)吧。 （站起身來）我衷心希望，你們將這件事情解決至雙方都滿意。 如你所說，為了賠償一部分損失，可否請你們報給我們一個實(shí)盤： 五萬塊釉面瓷磚包括破碎險在內(nèi)、馬尼拉到岸價，11月份裝船？ 我們明天報價給你，請?jiān)谏衔缇劈c(diǎn)來吧。如不另行通知，我們將為你方貨物投保一切險。保險。Substitution Drills1 As a rule, we don’t cover them unless you would like to.needinsist一般來說，我們不會投保這些險除非你們 愿意。Words and Expressionsbreakage [5breikidV] 破損險leakage [5li:kidV] 滲漏險glazed
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