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1、Click to edit Master text styles,Second level,Third level,Fourth level,Fifth level,*,Click to edit Master title style,Lesson 16 Insurance 保險(xiǎn),TEXT,Arm yourself,Main points,Make yourself skilled,TEXT,Arm yourself,Main points,Make yourself skilled,A.the party seeking cover completes a proposal form.,B,

2、.the insurance company assesses the risk and fixes a premium to be paid.,C,.the premium is paid and cover starts.,D,.if a loss is suffered,the insured makes a claim for compensation.,E,.the claim is investigated,and if found to be valid the compensation is paid.,D,ear Miss Liao,T,hank you very much

3、for your letter of 16 July in which you inquired about our insurance cover.,I,have enclosed leaflets explaining our three fully-comprehensive marine policies which offer the sort of cover you require,and,I,think that policy 1281 would probably suit you best as it offers the widest protection with fu

4、ll indemnification.,I,f you wish,I,could get one of our agents to call on you to discuss any details that might not be clear.,I,look forward to hearing from you soon.,W,e would like to inform you that a number of pieces of crockery were damaged on our shipment to Dolly Enterprises Ltd.,Singapore.,T,

5、he consignment was shipped clean on the SS Changfeng which left Shanghai for Singapore on16 November,and you have our declaration form No.GCR 110 33429.,W,e have already sent our customer replacements but would like a claims form to complete.,T,hank you.,Y,ours sincerely,GLOBAL INSURANCE LTD.,I,am s

6、ending the claims form you requested in your fax of 23 November 200-and we will consider the matter once we have full details.,I,think,I,ought to point out that this is the fourth time you have claimed on a shipment.,T,hough,I,appreciate that your products are fragile,and that in each case the goods

7、 have been shipped clean,it would in your interest to consider new methods of packing.,I,agree that the claims have been comparatively small,but in future you will have to ask your customers to hold consignments for our inspection to determine the cause of damage.,I,should also mention that further

8、claims may affect your premium when the policy is renewed.,Dear Mr.Ai,Your fax of August 9 has been received with many thanks.,The quotation you faxed us is on CIF basis.As we are in a open cover agreement with our underwriter,we prefer that you send us CFR quotations.,However,we will also be intere

9、sted to know what benefits we are likely to get if consignments are to be covered at your end.,We are looking forward to your early reply.,Dear Mr.Yi 10.,Thank you for your fax of August.,Attached is our CFR quotation for Hand Tools and we are sure you will find our prices workable.,We usually insur

10、e the goods sold on CIF basis with our undertaker,the Peoples Insurance Company of China(PICC)for 110%of the total invoice value against All Risks and War Risks as per the Ocean Marine Cargo Clauses of the PICC of January 1,1981.if a higher percentage or broader coverage is required,the extra premiu

11、m will be for buyers account.,As to insurance with the Peoples Insurance Company of China,we wish to inform you that the PICC is a state-owned company of China with agents in practically all the major cities and seaports in the world.It is noted for settling claims promptly and equitably and is ther

12、efore one of the worlds prestigious leading insurers.So far as we know,the rates they quote are among the most competitive in the line.For the details,please refer to the copy of its prospectus we are sending you by courier.If you have further questions,please let us know.,Dear Miss Liao,Re:150 piec

13、es Tea sets,With reference to the order No.894 for 150 pieces Tea sets.we have opened through,the Bank of China,New York,confirmed,irrevocable L/C for US$2900,valid till July 20.,It is your usual practice to insure the goods against FPA for only 10%above invoice value.But owing to the special featur

14、e of our goods,wed like to have the fragile goods insured against FPA and Breakage for 150%of the invoice value for this transaction.The extra premium will be for our account.,We shall be grateful if you will arrange insurance as requested and let us have your information as soon as the goods are de

15、livered.,Yours sincerely,2.Arm yourself,1,.insurance,n.the act,business or system of insuring 保險(xiǎn),arrange,effect,provide,take out,cover,attend to insurance 投保，辦理保險(xiǎn),the insurer 保險(xiǎn)人,the insured 被保險(xiǎn)人,underwriter 保險(xiǎn)商 保險(xiǎn)公司,insurance agents 保險(xiǎn)代理人,insurance amount 保險(xiǎn)金額,insurance broker 保險(xiǎn)經(jīng)紀(jì)人,insurance cover

16、age 保險(xiǎn)范圍,v.insure 給以保險(xiǎn),投保(后接貨物或險(xiǎn)別),insure on/against 等介詞,常用的表達(dá)方式：insure,(貨物),for,(金額),with（保險(xiǎn)公司）against（險(xiǎn)別）,e.g.,我們已與中國人民保險(xiǎn)公司將100 公噸羊毛按發(fā)票金額的110%投保一切險(xiǎn)，保險(xiǎn)費(fèi)用為3%。,Weve covered insurance with Peoples Insurance Company of China on the 100 metric ton of wools for 110%of the invoice value against all risks at the rate of 3%.,2.,all risk,兩種最主要的保險(xiǎn)條款，一個(gè)是ICC,英國倫敦保險(xiǎn)協(xié)會(huì)制定的“協(xié)會(huì)貨物保險(xiǎn)條款”，另一個(gè)是 CIC,即中國保險(xiǎn)條款。該條款是由中國人民保險(xiǎn)公司制訂，中國人民銀行及中國保險(xiǎn)監(jiān)督委員會(huì)審批頒布。根據(jù)C.I.C.保險(xiǎn)條款，海洋保險(xiǎn)基本險(xiǎn)別有三種：即(1)free from particular average(F.P.A.)平安險(xiǎn)。(2)wit