實(shí)用商務(wù)英語(yǔ) 保險(xiǎn)險(xiǎn)別

4　保險(xiǎn)險(xiǎn)別

你將聽(tīng)到的

保險(xiǎn)期限

The cover shall be limited to sixty days upon discharge of the insured goods from the seagoing vessel at the final port of discharge.

何時(shí)投保

After loading the goods on board the ship, I go to the insurance company to have them insured.

保險(xiǎn)權(quán)責(zé)

The underwriters are responsible for the claim as far as it is within the scope of cover.

投保何種

What kind of insurance are you able to provide for my consignment?

你也許會(huì)說(shuō)

一般習(xí)慣

We are also in a position to insure the shipment against any additional risks if you desire so.

費(fèi)用承擔(dān)方

If coverage against other additional risks is demanded, all the premium thus arising from it will be borne by the buyer.

額外要求參

This insurance policy covers us against breakage.

職場(chǎng)心經(jīng)

所有有經(jīng)驗(yàn)的出口商都知道運(yùn)輸貨物時(shí)存在風(fēng)險(xiǎn)，這包括火災(zāi)、暴風(fēng)雨、撞船、盜竊、滲漏和爆炸等。要運(yùn)送到另一個(gè)國(guó)家的貨物必須為在運(yùn)輸過(guò)程中可能出現(xiàn)的丟失或損壞而保險(xiǎn)，以便不論采用了什么樣的運(yùn)輸方式，出口商和進(jìn)口商都不會(huì)遭受巨大損失。

保險(xiǎn)有三個(gè)主要原則：第一，可保權(quán)益原則。指一個(gè)人只有在一件事情中擁有利益才能投保；第二，最大誠(chéng)信原則。指確定保費(fèi)的人們根據(jù)提交申請(qǐng)表的書(shū)面聲明，決定某項(xiàng)保險(xiǎn)的保費(fèi)是否合理；第三，賠償原則。認(rèn)為保險(xiǎn)合同只將受益人的利益恢復(fù)到發(fā)生損害之前的同等狀況。

保險(xiǎn)對(duì)確保國(guó)際貿(mào)易中貨物的安全發(fā)揮著重要作用。保險(xiǎn)公司承保的貨運(yùn)保險(xiǎn)涵蓋從一個(gè)國(guó)家到另一個(gè)國(guó)家運(yùn)輸過(guò)程中所產(chǎn)生的損失。貨運(yùn)保險(xiǎn)單實(shí)質(zhì)上是一份承保人和被保險(xiǎn)人之間的合同，它規(guī)定了保費(fèi)、投?；驔](méi)有投保的險(xiǎn)種、理賠的程序以及所有其他可適用的條款。

必備的詞匯熱身

●　handler [?h?ndl?] n.操作者，處理者

●　document [?d?kjum?nt] n.文件，證書(shū)

●　submit [s?b?mit] v.提出

●　coverage [?k?v?rid?] n.保險(xiǎn)項(xiàng)目，范圍

●　declaration [?dekl??rei??n] n.申報(bào)；供述；訴訟

●　policy [?p?lisi] n.保險(xiǎn)單

●　underwriter [??nd??rait?] n.保險(xiǎn)公司；保險(xiǎn)業(yè)者

當(dāng)談到保險(xiǎn)的時(shí)候你會(huì)聽(tīng)到

The cover shall be limited to sixty days upon discharge of the insured goods from the seagoing vessel at the final port of discharge.

被保險(xiǎn)貨物在卸貨港卸離海輪后，保險(xiǎn)責(zé)任以60天為限。

After loading the goods on board the ship, I go to the insurance company to have them insured.

裝船后，我到保險(xiǎn)公司去投保。

When should I go and have the tea insured?

我什么時(shí)候去將這批茶葉投保？

The underwriters are responsible for the claim as far as it is within the scope of cover.

只要是在保險(xiǎn)責(zé)任范圍內(nèi)，保險(xiǎn)公司就應(yīng)負(fù)責(zé)賠償。

The loss in question was beyond the coverage granted by us.

目前所說(shuō)的損失不包括在我方承保的范圍內(nèi)。

The extent of insurance is stipulated in the basic policy form and in the various risk clauses.

保險(xiǎn)的范圍寫(xiě)在基本保險(xiǎn)單和各種險(xiǎn)別的條款里。

What kind of insurance are you able to provide for my consignment?

你能為我的這批貨保哪些險(xiǎn)呢？

It's better for you to scan the leaflet, and then make a decision.

你最好先仔細(xì)看看說(shuō)明書(shū)，再?zèng)Q定保什么險(xiǎn)。

These kinds of risks suit your consignment.

這些險(xiǎn)別適合你要投保的貨物。

當(dāng)談到保險(xiǎn)的時(shí)候你會(huì)說(shuō)

1．Generally speaking, we take out insurance on goods like this against WPA. No other special risks will be covered unless required by the customer.

一般說(shuō)來(lái)，我們對(duì)這種貨物只保水漬險(xiǎn)。其他特別險(xiǎn)除非客戶(hù)要求否則是不保的。

2．If coverage against other additional risks is demanded, all the premium thus arising from it will be borne by the buyer.

如果要求投保其他附加險(xiǎn)，由此產(chǎn)生的保險(xiǎn)費(fèi)將由買(mǎi)方承擔(dān)。

3．We are also in a position to insure the shipment against any additional risks if you desire so.

如果你們要求的話，我們也可以為貨物投保任何附加險(xiǎn)。

4．We insure the goods against the usual risks and in the present case FPA. Should broader coverage be required, the extra premium is for the buyer's account.

我們對(duì)貨物投保慣常險(xiǎn)別以及目前的平安險(xiǎn)。如果要求險(xiǎn)別更加廣泛，額外的保險(xiǎn)費(fèi)將由買(mǎi)方負(fù)擔(dān)。

5．The customer wishes to cover some additional risks, so the extra premium will be charged to his account accordingly.

客戶(hù)希望投保附加險(xiǎn)，所以額外的保險(xiǎn)費(fèi)應(yīng)相應(yīng)的由他賬戶(hù)來(lái)支付。

6．According to the international trade practice, unless the buyers require, we usually do not cover these special risks. Your cooperation in this respect will be appreciated.

根據(jù)國(guó)際貿(mào)易慣例，除非買(mǎi)方要求，我們一般不投這些特別險(xiǎn)，望與合作。

7．To make a long story short ，we want broader coverage to include some additional risks.我們要較廣泛的保險(xiǎn)，包括一些附加險(xiǎn)。

to make a long story short長(zhǎng)話短說(shuō)；簡(jiǎn)言之

to make a long story short從字面上理解是“把一個(gè)很長(zhǎng)的故事變短”。這和我們中文中的“長(zhǎng)話短說(shuō)”是一個(gè)意思，后來(lái)該習(xí)語(yǔ)也就慢慢用作了“簡(jiǎn)言之，長(zhǎng)話短說(shuō)”之意。例如：To make a long story short, she is the most important player of all the people!簡(jiǎn)言之，她是我們最重要的隊(duì)員。

8．This insurance policy covers us against breakage.

這份保單給我們保了破碎險(xiǎn)。

Does your policy provide adequate cover against breakage?

你們的保險(xiǎn)單是否提供適當(dāng)?shù)钠扑殡U(xiǎn)？

9．Special additional risks include War Risk, Strikes Risk, Failure to Delivery Risk, etc, among which War Risk and Strikes Risk are more common.

特別附加險(xiǎn)指戰(zhàn)爭(zhēng)險(xiǎn)，罷工險(xiǎn)，交貨不到險(xiǎn)等等，其中以戰(zhàn)爭(zhēng)險(xiǎn)和罷工險(xiǎn)最為普遍。

10．General additional risks include TPND, Fresh Water Rain Damage, Risk of Shortage, etc.they cannot be covered independently and should go with FPA or WPA and are included in All Risks coverage.

一般附加險(xiǎn)包括偷竊提不著貨險(xiǎn)，淡水雨淋險(xiǎn)，短量險(xiǎn)等，它們不能單獨(dú)投保，只能在平安險(xiǎn)或水漬險(xiǎn)的基礎(chǔ)上加保，但含在一切險(xiǎn)之內(nèi)。

拓展學(xué)習(xí)

各種險(xiǎn)種

A：What risks is the people's Insurance Company of China able to cover?

中國(guó)人民保險(xiǎn)公司承保的險(xiǎn)別有哪些？

B：We can serve you with a broad range of coverage against all kinds of risks for sea transport.

我們可以承保海洋運(yùn)輸?shù)乃须U(xiǎn)別。

The goods are to be insured FPA.

這批貨物將投保平安險(xiǎn)。

WPA coverage is too narrow for a shipment of this nature, we must nip the suddenness in the bud .

針對(duì)這種性質(zhì)的貨物只保水漬險(xiǎn)是不夠的，防微杜漸是必需的智慧。

Not every breakage is a particular average.

并不是所有的破碎險(xiǎn)都屬于單獨(dú)海損。

We generally cover insurance WPA and War Risks in the absence of instruction from our clients.

在沒(méi)有得到客戶(hù)明確指示的情況下，我們一般投保水漬和戰(zhàn)爭(zhēng)險(xiǎn)。

nip in the bud防微杜漸

nip in the bud是指“防微杜漸，把……消滅于萌芽狀態(tài)”的意思。其中nip是指“剪斷，掐斷”。Bud則是“蓓蕾，花苞”的意思。nip in the bud意為蓓蕾還未成熟就給采摘下來(lái)，哪兒還有機(jī)會(huì)開(kāi)花呢？更不要說(shuō)結(jié)果了。因此“含苞欲放就被攀折（nip in the bud）”就是指“事情在萌芽階段就被扼殺”。

承保范圍

A：FPA insurance doesn't cover losses on consumer goods.

平安險(xiǎn)不包括消費(fèi)品的各種損失。

B：I don't think that the WPA insurance covers more risks than the FPA.

我認(rèn)為水漬險(xiǎn)承保的范圍并不比平安險(xiǎn)承保的范圍寬。

An All Risks insurance covers every sort of hazard, doesn't it?

一份綜合險(xiǎn)保單保所有的險(xiǎn)，不是嗎？

An FPA insurance only covers you against total loss in the case of minor perils.

平安險(xiǎn)只有發(fā)生較小危險(xiǎn)時(shí)才保全部損失。

The FPA insurance doesn't cover partial loss of the nature of particular average.

平安險(xiǎn)不保單獨(dú)海損性質(zhì)的部分損失。

A WPA insurance covers you against partial loss in all cases.

水漬險(xiǎn)在任何情況下都保部分損失。

保險(xiǎn)條件

A：Please inform us on what terms you can provide cover for the risks mentioned.

請(qǐng)通知我方貴方對(duì)上述各種險(xiǎn)的承保條件。

B：You can find the extent of insurance in the basic policy form and the various risk clauses.

你會(huì)在基本保險(xiǎn)單和各種險(xiǎn)別的條款里看到保險(xiǎn)的范圍。

All the terms and conditions of the insurance contract suit us.

保險(xiǎn)合同中的所有條款與條件均符合我們的要求。

Please consider the terms of the insurance policy.

請(qǐng)考慮保險(xiǎn)單中的條件。

Are there any other clauses in marine policies?

海運(yùn)保險(xiǎn)中還有其他條款嗎？

場(chǎng)景應(yīng)用

由于對(duì)保險(xiǎn)公司十分信任，所以齊先生準(zhǔn)備接受對(duì)方的建議為貨物投保全損險(xiǎn)。

A：Have you had this shipment insured?

B：We talked about it with our underwriter, and they suggest we should cover the shipment against total loss.

A：But TL only helps if the goods are seriously destroyed or damaged.

B：We think TL is the best policy for this shipment. We have had a lot of goods insured here. They can always come out with the best choice.

A：OK. We trust you. I hope everything will be perfect.

B：Thanks. We promise that your shipment is secure.

A：你們已經(jīng)為貨物投保了嗎？

B：我們已經(jīng)和保險(xiǎn)公司談過(guò)了，他們建議我們投保全損險(xiǎn)。

A：但是全損險(xiǎn)僅對(duì)那些嚴(yán)重受損的貨物有幫助。

B：我們覺(jué)得全損險(xiǎn)對(duì)這批貨物來(lái)說(shuō)是最好的選擇。我們?cè)谶@里投保過(guò)很多貨物，他們總能給我們提供最好的保險(xiǎn)策略。

A：好吧，我們相信你們。我希望一切都能完滿(mǎn)。

B：謝謝，我們保證你們的貨物一定是安全的。

為了應(yīng)對(duì)一切可能出現(xiàn)的問(wèn)題，貿(mào)易雙方選擇了最為穩(wěn)妥的險(xiǎn)種。

A：I think we should talk about insurance today.

B：What do you think should be covered for this kind of goods?

A：In my opinion, it is enough to cover All Risks and War Risk for the goods.

B：Hold your horses. Is it really necessary to take out War Risk? I mean right now the world is so peaceful, especially in your country.

A：I see. But the goods must go through some African countries before arrive in our country. And some of the country is not peaceful.

B：You are right. Let me have your offer on CIF basis with All Risks and War Risk.

A：No problem. If you like, I can give you some brochures about insurance, and then you may decide on what to do.

A：我想我們今天該談一談保險(xiǎn)了。

B：你認(rèn)為這種商品應(yīng)該投保什么險(xiǎn)種？

A：按照我的意見(jiàn)，對(duì)于這種商品投保所有險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)就足夠了。

B：沉住氣，投保戰(zhàn)爭(zhēng)險(xiǎn)有必要嗎？現(xiàn)在世界和平，尤其你們國(guó)家。

A：我知道。但這批貨物在抵達(dá)我國(guó)之前要經(jīng)過(guò)幾個(gè)非洲國(guó)家，其中有的國(guó)家不是很太平。

B：有道理。就請(qǐng)報(bào)到岸價(jià)，投保所有險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)。

A：沒(méi)問(wèn)題。如果您愿意，我們還可以提供給您有關(guān)保險(xiǎn)的宣傳冊(cè)，然后再?zèng)Q定如何去做。

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hold one's horses別著慌，沉住氣

hold one's horses是一條常用的俚語(yǔ)。有人說(shuō)此語(yǔ)源于賽馬比賽，意思是“牽住馬以穩(wěn)定情緒”；還有認(rèn)為此語(yǔ)源于牽馬過(guò)河遇急流時(shí)牽馬人所采取的謹(jǐn)慎行動(dòng)。無(wú)論哪種解釋都有“不要急于行動(dòng)”、“沉住氣”或“穩(wěn)住神”之意。比如：Hold your horses even when you are very angry.（即使你很生氣，也一定要沉住氣。）

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