【正文】 contamination, deterioration, etc. are specifically mentioned and must be specifically applied for. These are special risks. . stands for free of Particular Average?while W. P. A. or . stands for With Particular Average?W: Mr. Jordan, I must say that you have corrected my ideas about the insurance. I see now that this is far more plicated than I had imagined.B: Now I know why you often point out to us the wording of some letter of credit which you don’t feel happy about. But what are we to do about it? We must keep to the stipulations of the contract and the letter of credit. 喬丹先生，我并不想讓你生氣，但是我還是不太懂。我得承認(rèn)，以往我總認(rèn)為投保了“水漬險(xiǎn)”就夠了； 而且以為破碎引起的種種損失也包括在內(nèi)。 我懂了。我得承認(rèn)，就保險(xiǎn)而言，我是個(gè)外行。只是由于自然災(zāi)害或意外事 故所造成的破碎，如貨船擱淺與沉沒(méi)，或歸因于著火、爆炸、或碰 撞所引起的破碎才算是屬于單獨(dú)海損。我們?cè)螂娫捊o輕工業(yè)品公司陶瓷品部，但他們說(shuō)，客戶 并未要求投保破碎險(xiǎn)。我們已通過(guò)你 們公司向保險(xiǎn)公司提出了索賠，但保險(xiǎn)公司以沒(méi)投保破碎險(xiǎn)為由， 拒絕承擔(dān)責(zé)任。 Export Corporation, but were told that their customer had not asked for coverage in case of breakage. 下午好，布朗先生。11. We won’t have such a risk included, as it is not stipulated in the Ocean Marine Cargo Clauses.我們不能投保此項(xiàng)險(xiǎn)別，因?yàn)楹Ｑ筮\(yùn)輸條款中沒(méi)有包括這一險(xiǎn)別。3. This risk is coverable at a premium of %.該險(xiǎn)別的保險(xiǎn)費(fèi)是百分之零點(diǎn)二五。Insurance保險(xiǎn)Brief Introduction在國(guó)際貿(mào)易中，貨物從賣方到達(dá)買方，通常要經(jīng)過(guò)長(zhǎng)途的運(yùn)輸、裝卸和存儲(chǔ)等過(guò)程。4. The insurance pany insures this risk with 5% franchise.保險(xiǎn)公司保這種險(xiǎn)有百分之五的免賠額。12. Do you cover risk other than . and War Risk?除了水漬險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)外，你們還保其他險(xiǎn)嗎？13. As a rule, the extra premium involved will be for buyer’s account.按常規(guī)，額外保險(xiǎn)費(fèi)應(yīng)由買方負(fù)責(zé)。我們約好四點(diǎn)鐘見(jiàn)面，是不是？ 是的，王小姐。我們當(dāng)然對(duì)這種回答不滿意。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. 信用證只要求投保“綜合海運(yùn)險(xiǎn)”。如果沒(méi)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(shuō)的，由于“貨物內(nèi) 在