实用商务英语 保险险别

4　保险险别

你将听到的

保险期限

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

何时投保

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

保险权责

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

投保何种

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

你也许会说

一般习惯

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

费用承担方

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

额外要求参

This insurance policy covers us against breakage.

职场心经

所有有经验的出口商都知道运输货物时存在风险，这包括火灾、暴风雨、撞船、盗窃、渗漏和爆炸等。要运送到另一个国家的货物必须为在运输过程中可能出现的丢失或损坏而保险，以便不论采用了什么样的运输方式，出口商和进口商都不会遭受巨大损失。

保险有三个主要原则：第一，可保权益原则。指一个人只有在一件事情中拥有利益才能投保；第二，最大诚信原则。指确定保费的人们根据提交申请表的书面声明，决定某项保险的保费是否合理；第三，赔偿原则。认为保险合同只将受益人的利益恢复到发生损害之前的同等状况。

保险对确保国际贸易中货物的安全发挥着重要作用。保险公司承保的货运保险涵盖从一个国家到另一个国家运输过程中所产生的损失。货运保险单实质上是一份承保人和被保险人之间的合同，它规定了保费、投保或没有投保的险种、理赔的程序以及所有其他可适用的条款。

必备的词汇热身

●　handler [ˈhændlə] n.操作者，处理者

●　document [ˈdɔkjumənt] n.文件，证书

●　submit [səbˈmit] v.提出

●　coverage [ˈkʌvəridʒ] n.保险项目，范围

●　declaration [ˌdekləˈreiʃən] n.申报；供述；诉讼

●　policy [ˈpɔlisi] n.保险单

●　underwriter [ˈʌndəˌraitə] n.保险公司；保险业者

当谈到保险的时候你会听到

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

被保险货物在卸货港卸离海轮后，保险责任以60天为限。

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

装船后，我到保险公司去投保。

When should I go and have the tea insured?

我什么时候去将这批茶叶投保？

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

只要是在保险责任范围内，保险公司就应负责赔偿。

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

目前所说的损失不包括在我方承保的范围内。

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

保险的范围写在基本保险单和各种险别的条款里。

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

你能为我的这批货保哪些险呢？

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

你最好先仔细看看说明书，再决定保什么险。

These kinds of risks suit your consignment.

这些险别适合你要投保的货物。

当谈到保险的时候你会说

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.

一般说来，我们对这种货物只保水渍险。其他特别险除非客户要求否则是不保的。

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险，由此产生的保险费将由买方承担。

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

如果你们要求的话，我们也可以为货物投保任何附加险。

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.

我们对货物投保惯常险别以及目前的平安险。如果要求险别更加广泛，额外的保险费将由买方负担。

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

客户希望投保附加险，所以额外的保险费应相应的由他账户来支付。

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.

根据国际贸易惯例，除非买方要求，我们一般不投这些特别险，望与合作。

7．To make a long story short ，we want broader coverage to include some additional risks.我们要较广泛的保险，包括一些附加险。

to make a long story short长话短说；简言之

to make a long story short从字面上理解是“把一个很长的故事变短”。这和我们中文中的“长话短说”是一个意思，后来该习语也就慢慢用作了“简言之，长话短说”之意。例如：To make a long story short, she is the most important player of all the people!简言之，她是我们最重要的队员。

8．This insurance policy covers us against breakage.

这份保单给我们保了破碎险。

Does your policy provide adequate cover against breakage?

你们的保险单是否提供适当的破碎险？

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

特别附加险指战争险，罢工险，交货不到险等等，其中以战争险和罢工险最为普遍。

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.

一般附加险包括偷窃提不着货险，淡水雨淋险，短量险等，它们不能单独投保，只能在平安险或水渍险的基础上加保，但含在一切险之内。

拓展学习

各种险种

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

中国人民保险公司承保的险别有哪些？

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

我们可以承保海洋运输的所有险别。

The goods are to be insured FPA.

这批货物将投保平安险。

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

针对这种性质的货物只保水渍险是不够的，防微杜渐是必需的智慧。

Not every breakage is a particular average.

并不是所有的破碎险都属于单独海损。

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

在没有得到客户明确指示的情况下，我们一般投保水渍和战争险。

nip in the bud防微杜渐

nip in the bud是指“防微杜渐，把……消灭于萌芽状态”的意思。其中nip是指“剪断，掐断”。Bud则是“蓓蕾，花苞”的意思。nip in the bud意为蓓蕾还未成熟就给采摘下来，哪儿还有机会开花呢？更不要说结果了。因此“含苞欲放就被攀折（nip in the bud）”就是指“事情在萌芽阶段就被扼杀”。

承保范围

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

平安险不包括消费品的各种损失。

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

我认为水渍险承保的范围并不比平安险承保的范围宽。

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

一份综合险保单保所有的险，不是吗？

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

平安险只有发生较小危险时才保全部损失。

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

平安险不保单独海损性质的部分损失。

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

水渍险在任何情况下都保部分损失。

保险条件

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

请通知我方贵方对上述各种险的承保条件。

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

你会在基本保险单和各种险别的条款里看到保险的范围。

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

保险合同中的所有条款与条件均符合我们的要求。

Please consider the terms of the insurance policy.

请考虑保险单中的条件。

Are there any other clauses in marine policies?

海运保险中还有其他条款吗？

场景应用

由于对保险公司十分信任，所以齐先生准备接受对方的建议为货物投保全损险。

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：你们已经为货物投保了吗？

B：我们已经和保险公司谈过了，他们建议我们投保全损险。

A：但是全损险仅对那些严重受损的货物有帮助。

B：我们觉得全损险对这批货物来说是最好的选择。我们在这里投保过很多货物，他们总能给我们提供最好的保险策略。

A：好吧，我们相信你们。我希望一切都能完满。

B：谢谢，我们保证你们的货物一定是安全的。

为了应对一切可能出现的问题，贸易双方选择了最为稳妥的险种。

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：我想我们今天该谈一谈保险了。

B：你认为这种商品应该投保什么险种？

A：按照我的意见，对于这种商品投保所有险和战争险就足够了。

B：沉住气，投保战争险有必要吗？现在世界和平，尤其你们国家。

A：我知道。但这批货物在抵达我国之前要经过几个非洲国家，其中有的国家不是很太平。

B：有道理。就请报到岸价，投保所有险和战争险。

A：没问题。如果您愿意，我们还可以提供给您有关保险的宣传册，然后再决定如何去做。

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hold one's horses别着慌，沉住气

hold one's horses是一条常用的俚语。有人说此语源于赛马比赛，意思是“牵住马以稳定情绪”；还有认为此语源于牵马过河遇急流时牵马人所采取的谨慎行动。无论哪种解释都有“不要急于行动”、“沉住气”或“稳住神”之意。比如：Hold your horses even when you are very angry.（即使你很生气，也一定要沉住气。）

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