實用商務英語 保險費率

5　保險費率

你將聽到的

需要多少費用

What is the cost of the insurance?

平安險費率

We shall be glad if you will quote us a rate for marine insurance F.P.A. on a shipment of electric toys.

加一切險報價

Please quote us your lowest F.P.A. rate for delivery of fertilizer to Africa.

特惠保險費率

Will you please quote your special rate for the coverage?

投保的價

We hope to receive the quotation of your rate for the cover.

保險額度

Regarding insurance, the coverage is for 110％ of invoice value up to the port of destination only.

沒有保險的價格

I should point out that our prices were calculated without insurance for any special risk.

你也許會說

誰來出錢

The extra premium involved will be for your account.

優(yōu)惠條款

This is a very low rate and we trust you can pass us the business.

額外支付

If you want us to insure against a special risk, an extra premium will have to be charged.

職場心經(jīng)

保險費率一般由純費率和附加費率兩部分組成。習慣上，將由純費率和附加費率兩部分組成的費率稱為毛費率。純費率也稱凈費率，是保險費率的主要部分，它是根據(jù)損失概率確定的。按純費率收取的保險費叫純保費，用于保險事故發(fā)生后對被保險人進行賠償和給付。附加費率是保險費率的次要部分，按照附加費率收取的保險費叫附加保費。它是以保險人的營業(yè)費用為基礎計算的，用于保險人的業(yè)務費用支出、手續(xù)費支出以及提供部分保險利潤等。

必備的詞匯熱身

●　premium [?pri:mi?m] n.保險費

●　secure [si?kju?] v.擔保，保障

●　partial [?pɑ:??l] adj.部分的

●　specify [?spes?fai] v.詳細說明

●　dispatch [dis?p?t?] v.迅速處理

●　short-term [???:t?t?:m] adj.短期的

●　stipulate [?stipjuleit] v.規(guī)定

●　pilferage [?pilf?rid?] n.偷盜，行竊；臟物

●　breakage [?breikid?] n.破壞；破損

●　calamity [k??l?m?ti] n.災難；不幸事件

談到保險費率的時候你會聽到

What is the cost of the insurance?

需要繳納多少保險費？

We shall be glad if you will quote us a rate for marine insurance F.P.A. on a shipment of electric toys.

我方非常高興，如果您能報出電動玩具的平安險的費率。

Please quote us your lowest F.P.A. rate for delivery of fertilizer to Africa.

請報出150箱多功能切碎機的一切險的最低價。

Will you please quote your special rate for the coverage?

請您報該險種的特惠保險費率？

We hope to receive the quotation of your rate for the cover.

我們希望得到投保的價格。

Regarding insurance, the coverage is for 110％ of invoice value up to the port of destination only.

關于保險，該險別為發(fā)票額的100％，只保到目的地港。

I should point out that our prices were calculated without insurance for any special risk.

我應該指出，我們的價格沒有把特殊險計算在內(nèi)。

提到保險費率的時候你會說

1．The premium varies with the extent of insurance. Should additional risks be covered, the premium is for buyer's account.

保險根據(jù)保險范圍變化不同。如果投保附加險，額外的保險由買方出賬。

2．The premium is to be charged to the consignees, together with all expenses of forwarding.

保險費連同運輸費由收貨人支付。

3．The additional premium is for the buyer's account.

增加的保費由買方負責。

4．And the extra premium involved will be for your account.

由此產(chǎn)生的額外保險費概由貴方支付。

5．This is a very low rate and we trust you can pass us the business.

這個保險費率很低，本公司相信貴方做成這筆交易。

6．If you will to secure protection against T.P.N.D., it can be easily done upon the payment of an additional premium.

如你方想要投保偷竊提貨不著險，非常容易辦到，只要支付附加保險費就行了。

7．We may also insure the shipment against any additional risks of your desire, but the extra premium is to be borne by you.

要是您有要求的話，我們可以為您投保任何附加險，但額外的保費必須由貴方承擔。

8．If you want us to insure against a special risk, an extra premium will have to be charged.

要是您想要我們投保特殊險的話，需支付額外的保費。

9．Will you please quote your terms for providing the required cover, which should include loading and discharging?

敬請報知貴方客戶指定的保險收費條件，包括貨物裝卸費在內(nèi)。

拓展學習

保險費率額度

A：What is the insurance expense?

保險費是多少錢？

B：If more than that is covered, the extra premium for the difference between 130％ and 110％ should be borne by the buyer.

如果要求投保更高的險種，那么13％與110％之間的差額所引起的額外保險費由買方負擔。

War Risk premium is calculated at 0.1％, if it is higher than 0.1％ after the conclusion of the contract, excess premium shall be for Buyers' account.

戰(zhàn)爭保險費按0.1％計算，若成交后保費超過0.1％，其超額部分有買方負擔。

This kind of additional risk coverable at 2％.

這種附加險的保險費是2％。

Please note that our insurance coverage is for 110％ of the invoice value only.

請注意，我方的保額僅為發(fā)票值的110％。

怎么付費

A：The insurance rate you quote, namely 0.6％, is acceptable to us.

你方所報保險費率，即0.6％，可為我方接受。

B：Please effect insurance at the lowest rate possible, not exceeding 8 percent.

請以最低保險費率投保，最高不超過8％。

The premium rate is fixing on the basis of the past statistical loss figures.

保險費率是根據(jù)以往貨物損失和破損的統(tǒng)計數(shù)字來制定的。

In order to be able to check and compare price quotation, we need currently applicable insurance rates.

為了核查和比較各個報價的高低，我方需要貴公司目前所使用的保險費率資料。

If loading deck be specify, will the Insurance rate be higher?

如指定裝貨甲板，保險費率是否會高些？

場景應用

瑪麗對保險費率的相關事宜不甚了解，但是經(jīng)過杰克的詳細介紹，她立刻就變得豁然開朗了。

A：Though I have effected insurance for several times, there is still one thing I'm not sure.

B：What is it?

A：What do you think are the main factors that determine the premium rates?

B：First, I think, is the carrying vessel, like its age, classification, ownership and management etc. And the second is packing.

A：Packing should be seaworthy or strong enough to endure rough handling, right?

B：In some cases, it is. But not for air freight and container shipment, they tend to require less packing.

A：How about the type of merchandise to be shipped?

B：It must be considered, because some goods are more vulnerable to damage.

A：I guess the distance of transportation and modes of transport also influence the rates.

B：Right. Sometimes underwriters charge you at a higher premium just because the goods are easily to damaged or stolen.

A：Are there close connections between the types of risks and the premium?

B：Yes, the more extensive cover is required, the higher the premium rate is.

A：I am clear about the rates now. I really appreciate your help.

B：I'm entirely at your service.

A：雖然我曾經(jīng)辦過幾次保險，但我仍有一事不很了解。

B：什么問題？

A：你認為決定保險費率的主要因素有哪些？

B：首先，我認為就是運載船只的情況。比如像船齡，類型，船主及管理等。其次就是包裝。

A：包裝應適合海運或足夠堅固，經(jīng)得住野蠻裝卸，對嗎？

B：在某種情況下是這樣的。但是空運和集裝箱運輸不是這樣的，他們往往要求較少的包裝。

A：裝運商品的類型有關系嗎？

B：當然需要加以考慮，因為有些商品更易受損傷。

A：我想運輸距離和方式也會影響費率的。

B：是的。有的時候保險商因為所要發(fā)運貨物是易受損的或易被偷竊的，就會收取較高的保險費。

A：保險險別和費率之間關系密切嗎？

B：是的，保險范圍越廣，保險費率也就越高。

A：現(xiàn)在我清楚了。太感謝你了。

B：愿意為您效勞。

雙方未能就投保金額達成一致，買方?jīng)Q定詢問完領導的意見再作回復。

A：I would like to get cover for 130％ of the invoice value.

B：However, it is our usual practice to insure shipments for the full invoice value plus 10％. I don't know why you ask for more.

A：Well, I know that a range from 0％ to 50％ is reasonably accepted in the extra insurance value by Chinese insurance company. Besides, we are expecting 20％ profit from this deal. So if there's any wrong with this shipment, we want to get full covered.

B：OK, I see. In the light of our relationship, we will comply with your request. But the extra premium will be for your account.

A：I'm sorry I couldn't agree with you. I think the premium is already included in the CIF price.

B：That's true. But you ask for an extra insurance value, for which part you should take the bill. If we covered that extra expense, we couldn't make any profit from this transaction.

A：Would you please tell me your premium rate?

B：0.2％ of insurance value, our underwriter said.

A：Oh, that's a little expensive. As a rule, it should be charged at only 0.12％ of insurance value. Perhaps your underwriter asks you for more.

B：Not really. According to the route of this transportation and nature of this shipment, you should allow a small rise on premium rate.

A：Well, I will talk with the top dog and call you back after asking for his opinion.

A：我想投保發(fā)票金額的130％。

B：可是，按慣例，我們只投保發(fā)票金額的110％呀。不知道你為什么要求這么高的保險金額。

A：我知道中國的保險公司可以接受0％到50％的額外保額。另外，我們預期從這單生意中獲得20％的利潤。所以如果這批出了什么問題的話，我們想得到全部成本加利潤的賠償。

B：我明白了。鑒于我們的關系，我們會按照你的要求來做的，但額外的保費應由你方支付。

A：我可不這么想。我認為保費已經(jīng)包括在CIF的報價里了。

B：是的，但你所要求的保險金額多了一些，這個部分應由你來買單。如果我們連這個額外的費用也出的話，這單交易我們就賺不到什么錢了。

A：你能告訴我你的保費費率是多少嗎？

B：我們的保險代理說，費率是保險金額的0.2％。

A：這就有點高了，通常來講，應該是保險金額的0.12％，可能你們的保險代理要高了。

B：不是這樣的。根據(jù)運輸路線和這批貨的性質(zhì)，就會在費率上有點提高。

A：這樣吧，我回去和我們的頭兒商量一下，然后給你回話。

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top dog領導者，掌權人，頭兒

top意思是“最高的”。由此可見top dog就是狗群里地位最高、領頭的那一只，也許是因為這條狗體格最高大強壯，也可能由于它最靈敏。中文里“狗”往往帶有貶義，要是把某人比作狗，這人會給氣得發(fā)昏。但是，英文的習慣卻不同，“狗”常常不帶有貶義，有時還是褒義的。top dog就是一個例子，這里的所謂“帶頭人”可能是企業(yè)主管，也可以是政府領袖，也許只是一家之主，反正任何群體多半總得有個大權在握的，而這樣的人在英文里可以被稱作：top dog。這個習慣用語說的是居支配地位的、有最高權力的人。

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