On insurance
第3章 保险(Insurance)【国际工程实务英语】
第三章保险(Insurance)第一节保险基本知识(A Basic Knowledge of Insurance)一、保险(Insurance)·从法学和经济学的角度看in law or economics ·规避承受某种意外损失的风险hedge against the risk of a contingent loss ·损失风险的公平转移['ekwitəbl] [kən'tindʒənt] equitable transfer of the risk of a loss·保险人an insurer 被保险人an insured ·毁灭性损失devastating loss ['devəsteitiŋ]·保险费率insurance rate·保险费premium ['pri:miəm]·承保范围，保险范围insurance coverage ·独立的研究与实践领域[dis'kri:t]a discrete field of study and practice二、保险合同(Insurance Contract)·受益人beneficiary [,beni'fiʃəri]·承保期，保险期the period of coverage ·保险金额the amount of coverage·除外责任条款exclusions[ik'sklu:ʒənz]三、保险单(Insurance Policy) ['pɔlisi]·财务损失financial loss·履行合同承诺fulfill a contractual undertaking ·由于公共责任或财产损失而对某家公司或某一个人采取法律行动。
再保险
再保险:再保险的目的：增加承保能力（increase capacity）,风险分散和控制（可以承保更多不同的业务，达到分散风险的目的），资本管理（例如满足偿付能力要求），财务规划（利用再保佣金为新业务提供资金），例如再保分入可以提高资本利用效率，发挥自身优势（例如投资优势），利用tax loss or gain，巨灾保护等。
再保有Treaty based（合同再保险）和Facultative based(临时再保险，又称“临分”)两种，Treaty based是直保公司和再保公司事先谈好，这样符合条件的保单就直接纳入到保险合同中，临分是针对每次出现的特别的责任，一般比较大，或比较复杂，保费较高。
再保确定责任的形式有多种，例如Proportional quota share, Surplus or excedent（以上两种再保费和保额相关）,Non-poroportinal（再保费和实际赔付有关，ex: Excess of Loss, stop loss, Catastrophic excess of loss）。
再保险的监管非常重要，由于监管机构对不在当地注册的再保险公司没有追偿和审查的权利，所以有些再保形式中若再保公司不在当地注册，则再保不被承认。
再保险初期不一定会产生大量的资产转移，例如使用Mo-co,不进行大量的资产转移的优势是资产转移可能会产生对直保公司不利的资本所得或损失，增加再保的违约损失暴露，大量的资产买卖造成对资产的不利估值，方便repurchase the business。
为了加强资产负债表的再保合约很可能被提前终止（例如泰康的95合同），所以合同中会加入提前终止的约定。
1984年前很少有财务再保，之后财务再保被广泛使用来合理避税。
一般由再保公司对两个公司之间应该进行的资金往来进行计算，形成报告后由直保公司审核后执行。
再保险合同容易引起监管质疑的地方有：给再保险公司的利益与实际再保业务的经验无关；再保公司未实质支付任何赔款；再保公司在管理层变动或偿付能力不足时单方面终止合同。
Insurance
Related terminology
• • • • • • • • Insurer 保险人 Insurance applicant 投保人 Fine print 细则 Premium rate 保险费率 • • • • • • • • Insurance proceeds 保险金（保险收入） Insurance underwriter 保险承保人 Insurant, the insured 受保人 Insurance coverage 保险范围
Marine insurance coverages
• 根据《中国人民保险公司海洋运输货物保 险条款》： • 基本险（可以单独购买）：平安险 （F.P.A）、水渍险（W.P.A.）、一切险 （All Risks） • 附加险（必须购买基本险）
Marine insurance coverages
• Basic insurance coverage 基本险 • 1. Free from Particular Average (F.P.A.)平 安险 • The F.P.A. policy provides coverage for total losses and general average emerging from actual marine perils.
exercise
• Please choose a type of insurance for the following items: • 1. A consignment of shoes（鞋子） • 2. Logs of wood （原木） • 3. Wooden toys（木制玩具） • 4. Heavy machinery（重型机械） • 5. Plywood（胶合板） • 6. Bicycles（自行车）
保险英语
专业名词1、proposer投保人2、underwrite承保3、policyholder保单持有人4、tied agent固定代理人5、broker经纪人6、Proposal form投保单7、the terms and conditions 条款8、property insurance财险公司9、third-party liability第三者责任险/10、insurance cover保障范围10、under-insurance不足额保险12、endowment assurance资金投资式保险12、term assurance定期保险13、maturity benefit到期收益14、conversion option保单转换保险15、renewal option续保保险16、terminal illness option晚期疾病保险17、whole life assurance终身寿险18、unit-link policies投连险19、critical illness cover重疾险20、permanent health insurance长期健康险21Annuity养老金22、personal pension plan个人养老保险23、personal accident insurance个人意外伤害保险24、Personal liability insurance个人责任保险25、reserves储备金26、Excess绝对免赔额27additional payment额外赔付28、standard benefit标准赔偿金29、Partial cover部分保险30、total cover全部保险31、cover note暂保单32no-claim discount无索赔折扣34、um insured保险金额35fixed contribution固定保费36、compulsory accident insurance特定意外伤害险37、Claim-free record无索赔记录38、loss adjuster损失理算师38、issue a policy签发保单39、the risk标的/风险39、motor insurance机车险40、policy change保单变更40、cancellation退保41、field force现场人员42、tied agents固定代理43、commission佣金44、classes险种45、branch office代办事处46、distribution营销47、claim settlement理赔48、price-conscious价格意识49、deregulation撤销管制50、insurance premium保费51、insurance rate保险费率52、quotation报价53、peril风险事故54、extra premium额外保费55、annuity年金险56、private health insurance个人医疗险57、comprehensive insurance全保险/综合险58、mileage limitation59、state insurance 60、joint proposer共同投保人段落翻译1、China insurance circles are dealing with insurance business according to the Insurance Law of the People Republic of China. In accordance with the insurance law, the insurance companies can deal with both insurance and reinsurance business while reinsurance company is not allowed to transact the former.中国保险界都是根据《中华人民共和国个保险法》经营保险业务。
老托PartC原文加译文2
2I hope you've all finished reading the assigned chapter on insurance so that you're prepared for our discussion today.我希望你们都已经读完了保险上的指定章节，所以你们已经准备好了咱们今天的讨论。
But, before we start, I'd like to mention a few things your text doesn't go into.但是，在我们开始之前，我想提及一些你们课本上没有探究的事It's interesting to note that insurance has existed in some form for a very long time.值得注意的是，保险已经以某种形式存在了很长一段时间The earliest insurance policies were what we are called bottomry（use boats as mortgage）contracts.最早的保险契约被我们称作压船借款合同They provided shipping protection for merchants as far back as 3000 B.C. 他们早在公元前3000年就为商人提供了海运保护In general, the contracts were often no more than verbal agreements.一般来说，这些合同通常也不过是口头协议They granted loans to merchants with the understanding that if a particular shipment of goods was lost at sea, the loan didn't have to be repaid.他们发放贷款给商人，带着这样的谅解：如果一船特定的货物损失在海上，贷款不必偿还。
保险全流程详细步骤
保险全流程详细步骤1.保险全流程的第一步是了解个人或企业的保险需求。
The first step in the entire process of insurance is to understand the insurance needs of individuals or businesses.2.接下来，需要选择合适的保险公司或代理人。
Next, you need to select the appropriate insurance company or agent.3.确定保险公司后，就需要提交申请并填写必要的表格。
Once the insurance company is determined, you need to submit the application and fill out the necessary forms.4.提交表格后，保险公司会对申请进行评估，可能需要提供额外的文件或信息。
After submitting the forms, the insurance company will assess the application and may require additional documents or information.5.在评估完成后，保险公司将提供保险报价和计划选择。
After the assessment is completed, the insurance company will provide insurance quotes and plan options.6.确定报价和计划后，需要进行签署保险合同。
After confirming the quotes and plans, you need to signthe insurance contract.7.保险生效后，需要按时缴纳保险费用。
Once the insurance is effective, you need to pay the insurance premiums on time.8.遇到意外事故或需要理赔时，需要及时联系保险公司并提供相关证明文件。
保险英语常用词汇
保险英语常用词汇insure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商（指专保水险的保险商）保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人，受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件PICC (People’s Insuran ce Company of China) 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则insurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金（保险收入）insurance free of (from) particular average (FPA). 平安险（单独海损不赔）insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss)? 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TRND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员，货损管理员damage cargo list 货损单，残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss（XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average（GA）共同海损grace period 宽限期gross net premium income（GNPI）总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险，健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾（钩）损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金，IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定，货物检验，检查货物inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC，I.C.C.) 协会货物（保险）条款insurability 可保性insurance 保险，保险费，保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理，保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围，保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金（保险收入）,保险赔偿金，保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人，受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险，水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表（用于计算保险风险）multiple claim 多次（重复）索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe（NatCat）自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation） insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss（PML）可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先（免赔额)proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人（分保公司）、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值，获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。
Insurance 保险
3.Байду номын сангаас要的词汇
• insurance 保险 • 常用词组： 常用词组： • 保险范围 • insurance coverage • 保（险）单 • insurance policy • 保险通知书 保险通知书 • insurance declaration
• 保额 • insurance amount • 保费 • insurance premium • 保险凭证 • insurance certificate • 保险索赔 • insurance claim • 保险公司 • insurance company
• 2. 表示投保的险别，后接against • 如： arrange insurance against All Risks • 投保一切险 • arrange insurance against War Risk • 投保战争险
• *注意平安险和水渍险两个险别，在表示投保 时，可不用介词against • We shall cover FPA (or WPA) insurance. • 我们投平安险（水渍险）。 • We have covered insurance on the goods against FPA. • 我们已给这批货物投平安险。
110% of the invoice value PICC.
• 我们已将100吨羊毛按发票金额的110%投保 一切险。
• • • • • • • • • •
insure v. 保险（cover） 1）作及物动词，宾语为所保货物 请将此货投保一切险。 Please insure the goods against All Risks. 2）作及物动词，宾语为投保的险别 我方将为你方投保一切险。 We shall insure All Risks for you. 3）作不及物动词，后接介词against+险种 请投保破碎险。 Please insure against Breakage.
商务英语谈判unit 12 Insurance
Unit 12 Insurance
8. 保险费是多少？ What is the insurance premium？
9. 保险费用按照货物类别的具体情况会有所不同。 The cover paid for will vary according to the type of goods and the circumstances.
10. 这类险别的保险费率将根据货物种类而定。 The insurance rate for such kink of risk will vary according to the kind.
15. We’d like to get a policy for total loss only for these goods.
Unit 12 Insurance
IV. Keys to Exercises
1. Translate the following sentences into Chinese
赔偿某人损失
Ocean e Cargo Clauses:
海洋货物保险条款
FPA (Free from Particular Average): 平安险
WPA (With Particular Average):
水渍险
All Risks:
一切险
premium:
保险费
Extraneous Risks:
7. Please effect insurance on your side covering all risks and war risk. 请在贵地投保一切险和战争险。
8. For transactions concluded on CIF basis, it is understood that the insurance amount will be for 110% of the invoice value against the risks specified in the contract. 对于按CIF条件达成的交易，众所周知保险应按发票金额的 110%投保合同规定的险种。
Unit 8 insurance
1.2 Dear Sirs, Re: Your Order No. 1004 for 500 Cases of Toys This is to acknowledge receipt of your letter dated 20th July requesting us to effect insurance on the captioned shipment for your account. We are pleased to inform you that we have covered the above shipment with The People’s Insurance Company of China against All Risks for USD 5,500.00. The policy is being prepared accordingly and will be forwarded to you by the end of the week together with our debit note for the premium. For your information, we are making arrangements to ship the 500 cases of toys by s.s.”Tsinan”, sailing on or about the 11th of August. Yours faithfully,
保险英语常用词汇
保险英语常用词汇insure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商指专保水险的保险商保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人,受保人to cover effect,arrange,take out insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件PICC People’s Insurance Company of China 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则insurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金保险收入insurance free of from particular average FPA. 平安险单独海损不赔insurance with particular average WPA, basic risks. insurance against allrisks. 综合险,应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination tainting 污染险insurance against total loss only TLO 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss natural loss 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion SRCC 罢工,暴动,民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery TRND 盗窃提货不着险risk of fresh and/of rain water damagewetting 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odourchange of flavour 恶味险,变味险risk of mould 发霉险on deck risk 舱面险ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险海运货物保险All Risks 一切险average 海损Particular Average 单独海损General Average 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险,健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查,货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单,货物保险单cargo premium 货运保险费,货物保险费cargo underwriter 货物保险承保人商,货险承保人,货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of lossCXL 巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司cedinginsurancecompany 分保公司ceding, retrocessionfor reinsurance 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause CIC 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损,破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss CL 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单,保险证明cover note 暂保单证明同意承保的临时文件coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员,货损管理员damage cargo list 货损单,残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书,货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy 船舶驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of lossXL 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks additional risks 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise deductible 免赔额；免赔率free of all average FAA 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral averageGA 共同海损grace period 宽限期gross net premium incomeGNPI 总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险,健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾钩损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金,IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported lossesIBRN 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定,货物检验,检查货物inspection of cargo GA or PA 海损单独海损或共同海损鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses ICC, 协会货物保险条款insurability 可保性insurance 保险,保险费,保险金额insurance act 保险条例insurance against risk 保险insurance agents 保险代理,保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance corporation 保险公司insurance coverage 保险范围,保额insurance declaration sheetbordereau 保险申报单明细表insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知,投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金保险收入,保险赔偿金,保险赔款insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance valueinsurance amount 保险金额insurant 被保险人,受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司,保险商insurer underwriter 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函,保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险,水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表用于计算保险风险multiple claim 多次重复索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastropheNatCat 自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland transportation insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average PA 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum lossPML 可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority deductible 优先免赔额proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人分保公司、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险,保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值,获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人,受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商指专保水险的保险商、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。
外贸英语中英互译保险及索赔
外贸英语中英互译保险及索赔在外贸业务中，保险是非常重要的一项考虑因素。
保险旨在降低贸易风险，保护双方利益。
在这篇文章中，我们将讨论外贸英语中保险及索赔的相关术语和翻译。
1. Introduction（介绍）保险在外贸业务中的作用不可忽视。
它为出口商和进口商提供保障，确保货物在运输过程中能够受到保护。
保险的理解和索赔处理在外贸英语中显得尤为重要。
2. Types of Insurance（保险类型）2.1 Marine Insurance（海洋保险）Marine insurance covers the loss or damage of goods during transportation by sea. It provides financial protection to both the exporterand the importer. In case of any accidents or disasters, such as shipwrecks or piracy, marine insurance compensates for the loss.2.2 Freight Insurance（货运保险）Freight insurance covers the loss or damage of goods during transportation by any means, including sea, air, road, or rail. It provides coverage for the cost of transportation and protects against risks like theft, accidents, or natural disasters.2.3 Cargo Insurance（货物保险）Cargo insurance covers the loss or damage of the goods being transported. It can include both marine and freight insurance, depending on the specific terms of the policy. Cargo insurance ensures that the value of the goods is protected in case of any unfortunate events.3. Insurance Terminology（保险术语）3.1 Insurer（保险人）The insurer is the company providing the insurance coverage. They assess the risks, provide the policy, and handle claims in case of any loss or damage.3.2 Insured（被保险人）The insured refers to the party (exporter or importer) who purchases the insurance policy and is covered by the insurance in case of any loss or damage.3.3 Premium（保险费）The premium is the amount of money paid by the insured to the insurer for the insurance coverage. It is usually calculated based on the value and nature of the goods being insured, as well as the risk factors involved.3.4 Policy（保险单）The policy is the legal document that outlines the terms and conditions of the insurance coverage. It includes details such as the insured parties, coverage limits, deductibles, and exclusions.4. Claims and Compensation（索赔和赔偿）4.1 Filing a Claim（提出索赔）In case of any loss or damage covered by the insurance policy, the insured party needs to file a claim with the insurer. This typically involves providing evidence of the loss, such as photos, invoices, or shipping documents.4.2 Claim Settlement（索赔解决）Once a claim is filed, the insurer will initiate the claim settlement process. They will investigate the circumstances of the loss or damage and assess the claim based on the policy terms. If the claim is approved, the insurer will compensate the insured for the value of the loss or damage.4.3 Compensation（赔偿）The compensation is the amount of money paid by the insurer to the insured to cover the loss or damage. It may be based on the actual value of the goods, the insured amount stated in the policy, or a predetermined formula agreed upon by both parties.5. Conclusion（结论）外贸英语中的保险和索赔术语对于有效保护货物和降低贸易风险非常重要。
保险术语(中英日)
一切（危）险 一揽子保单 人寿保险 工程保险 已灭失或未灭失 已赚保费 无效果，无报酬 无赔款折扣 开口保险单 不计免赔额 不可抗力 不定值保单 水险 内在缺陷 内陆运输保单 从属损失 仓至仓条款 公众责任保险 公估人 风险 分出公司 毛保费 反担保 水渍险 平安险 未决赔款 分摊 未能送达 可预期的最大损失 出面公司 申报保险单 代位求偿 代理人 汉堡规则 加保 加保费 协议全损 （通融全损） 协会条款 再保险 再保险集团 共同保险 共同海损 共同海损理算 成本加运费价格 成本加保险费 扣船 优先再保险 仲裁 延带费 自负额 自留额 合同 合同再保险 自愿保险 产品责任 冰雹 安装工程一切险
日本語 オールリスク 総合保険証券、パッケージ保険証券 生命保険 工事保険 滅失と否とを問わず 既経過保険料 不成功無報酬 無事故戻し 包括予定保険証券 免責歩合に拘らず 不可抗力 評価未済保険証券 海上保険 固有の欠陥 運送保険 間接損害 倉庫間約款 施設賠償責任保険 評価人 危険 出再保険会社 総保険料 裏保証 分損担保 分損不担保 未払保険金 分担 不着 P.M.L. フロンティング会社 通知保険 代位求償 代理人、代理店 ハンブルグ ルール （保険金額の）増額 追加保険料 協定全損
额外费用 履约保证 默示保证 爆炸 潜在缺点
法律上的义务支付 法律上的赔偿责任
保险 保险委付
insurer certificate of insurance subject-matter of insurance recovery sue and labor charges to cancel excluded liability claim breakage lien total loss of part FOB Hague-Visby rules sea protest pirates floating policy open cover settlement of claims claim settling agent adjuster survey business interruption insurance aflatoxin constructive total loss third party liability insurance T.P.N.D deviation protection and indemnity association classification of ships marine hull insurance commodity inspection bill of lading stranding loss ratio indemnity loss,claim utmost good faith rust voyage charter shortage container ship employer's liability compulsory insurance negligence embargo collision accident insurance casualty insurance extra charges performance bond implied warranty explosion latent defect
保险英语答案
Reference Answers of Chapter 1Ⅴ. Translation from English to Chinese：1。
如果一个小孩在繁忙的大道中间玩耍、如果一个工人使用机器时,不知道机器出了问题而面临危险、如果一个行人不知道靠近人行道的墙壁处于危险境地,面临倒塌的危险，他们将会发生什么?每一种情况都有风险的因素和不确定性存在。
这个小孩也许不会收到伤害、机器也许会坚持到这个工人用完机器为止、靠近人行道的墙壁没有倒塌伤到这个人。
但是在每一种情况都有可能造成严重的伤害。
2. 众所周知，每一个人对他的邻居的人身伤害和财产损失负有责任，不要伤害他的身体以及损坏他的财产.责任的产生也许是因一个房屋的所有权、一个宠物、户外运动或者一个简单的行为引起，比如穿越马路不开前方等等.在英国1968年卡拉克先生（Clark）起诉西普思顿（Shepstone）女士案件中，Shepstone女士突然从人行道走出来,没有看前方，致使摩托车驾驶者紧急刹车导致翻车，摩托车后座乘客Clark先生严重受损。
他起诉Shepstone 女士,最终获得了28,500英镑的赔偿。
如果Shepstone女士没有购买个人公众责任保险，她就会面临严重的经济困难。
Ⅵ. Translation from Chinese to English：1。
Risk is uncertainty of loss and is the possibility of loss。
2. Risk is unpredictable, which refers that the actual results may differ frompredicted results。
3。
Flood is the peril and the house near the bank of the river is the hazard.4。
Hazards are not themselves the cause of the loss，but they can increase or decrease the effect if a peril operates.5。
【2014自考】外贸函电 常用句子短语
1．enter into / establish/ build up business relations with.. 与……建立贸易关系2．a wide range of.. 大范围的/各类的…..3．be confident of sth./ that 自信心的，有信心…..4．place an order with sb. 向某人下订单5．be superior to sb./ sth. 优于某人，在某事上处于优先地位6．look forward to (doing) sth 希望7．happen to do sth. 碰巧做…8．much as 尽管，虽然9．sb. be interested in sth. Sth be interesting to sb. 某人对某物感兴趣;with keen interest 对……很感兴趣10．free of charge 免费11．be able to do 能够做某事be capable of12. be waiting for…等待13．reply to sth. 对……的回复14．offer for 未发的报盘offer of 已报过的盘15．on the recommendation of 承蒙…..的推荐16．handle，deal in / with , trade in , be in the line of ，经营17．credit standing 信誉情况18．refer to sb. for sth. 向某人打听（查询）某事；提到，说起，查看19．trade in sth. 经营20．on the basis of 在……的基础上21．by return 立刻，立即in return ……作为回报22．acquaint sb. with sth. 使某人熟悉某事物23．upon/on receipt of 一收到……就……in receipt of sth 已收到24．in compliance with sth. 与……一致，遵从，按照……25．sb. be satisfied with sth 某人对某物满意the service after selling 售后服务26．be / fall / lie within the scope of 或come under the scope of …经营范围的表达方法27．assure sb. of sth. 向某人保证某事28．be desirous to do 热切盼望做……29．enjoy priority in …在……方面享优先权take priority in 在……中优先地位give priority to 给……以优先权，优先考虑30．in duplicate ，一式两份，in triplicate ，一式三份, 一式四份或更多用：in … copies (folds)31．anticipate + doing , expect + to do sth. 预期某事将发生; 希望做某事32．强调型结构：It + be + 被强调的部份+ that + 原句剩余的部分33．is not in line with the prevailing market.34．reduce … to 降（价）到……35．unless otherwise stated 除非另有声明36．wish to do sth. 希望做某事37．keep sb. done . keep sb. posted of sth. 不断传递最新消息给某人38．be agreeable to sth. 与……符合的，一致的39．on time 准时no choice / way but to do sth. 不得不做某事40．sth. be satisfactory to sb. 某物令某人满意41．in one’s favour 以某人为受益人with……bank 由……银行（开立信用证）to the extent 达到某种程度42．have … in stock 有……现货（可供）; supply … from stock 供……现货43．owing to 由于…… to 为介词，+ 名词或动名词on the part of 在……方面44．adapt from sth. 根据……改编45．at one’s request 应……的要求on request 一经要求就……46．agree to sth. 同意（建议，办法，条件，想法）；agree on sth. 就……达成一致agree with sth. 与某一事物相一致，相符合47．in connection with 有关48．is not entitled to 无权49．in view of 鉴于50．out of line with prevailing market level 脱离行市时价51．in contact with 联系52．in need of 需求53．in conformity with 一致54．on presentation 在提示时，提示是，见票即付55．in accordance with sth. / in agreement with sth. 按照……，与某事物一致56．be / have difficulty in sth / doing sth 在某事上有困难，做某事有困难57．approach sb. to do sth. 让某人做某事58．with regard to 关于59．make efforts to do sth. 努力去做某事60．draw on sb. 向某人开出汇票61．as for 关于，对于at sight 即期62．hear from 收到（某人）来信63．run out 用完，耗尽64．in support of sth. 支持或支援某事物65．keep in touch with 与……保持联系66．with all speed 用全速，尽全力67．be regarded as…把…..看作是……68．up to now 直到现在69．have no way / choice but to do sth. 没选择，只能做某事70．on due time 准时，按时，如期71．open L/C with … the Bank of 由……银行开立信用证72．confirm doing sth.73．with reference to74．up to the present75．take action 采取行动/措施76．at an early date77．be aware of sth. 或be aware that + 句子意识到，认识到……78．due to + 名词由于，因为because / as + 句子79．in one’s opinion / in the opinion of sb. 在某人看来……80．fall into sth. 某事物可分为……; 养成（习惯）；full under 列入某项下fall in sth. 倒塌fall to doing sth. 开始做某事81．be subjected to sth. 经受，遭受82．prior to sth. 在……以前83．were found broken 被发现破了84．amount to sth. 共计，总达85．complain (to sb.) about sth. （向某人）抱怨某事86．with regard to sth. 关于……87．claim + against 向某人提出索赔88．look into 研究，调查89．lodge / file / raist / register a claim against / with sb. for sth 因为某种原因向某人索赔90．insurance + on 所保的货物，insurance against 投保的险别，insurance for 保额，insurance at 保险费或保险率, insurance with 向某保险公司投保91．on … basis 在……的基础上92．Be responsible for sth. 为……负责93．On + 月份+ 某一日94．Prefer A to B 喜欢A，不喜欢B95．Be disappointed at sth. 对…….失望；sb. be disappointed with sth 某人对某事感到很失望96．In a position to do sth. 能够做某事97．Take on 从事，经营23. for one’s reference 供……参考24. offer + for 向某人报某物的盘；offer + of 已报的某货的盘25. satisfy sb. 使某人满意26. available by draft at sight 凭即期汇票支付27. supply… form stock 供……现货；have … in stock 有…….现货；out of stock 缺货，无库存的28. sb. + find sth. + adj. 认为或觉得某事物……29. in accordance with 与……相一致；按照……30. shipping instruction 装船指示；shipping advise 装船通知31. unless otherwise instructed 除非另有指示32. have no way / choice but to do 别无选择，只有……33．claim for 索赔的原因、金额；claim on 对货物的索赔；claim against 向某人、公司索赔34. trade with sb. 与某人做生意；on the basis of 在……的基础上35. in receipt of 收到某人的（信函）；on receipt of 一收到某人的（信函），就……36. result in（接结果）…的结果是…; result from（接原因）由于…而导致…的结果37. place a trial order with sb. for sth. 向某人下某物的试订单38. reduce price by + 百分数降到百分之多少；reduce prict to…降价到某一具体价位39. extend … to …延伸，延展…….到……40. open/ establish L/C with the Bank of xxx ; issue L/C through the Bank of x x x开立信用证的常用搭配；in one’s favour 以某人为受益人41. for 110% of the invoice value 按发票金额的110%（投保）42. on schedule 按时，如期43. complain about sth. 抱怨某事44. this should not be regarded as a precedent.45. falls within the scope of ; coincide with 与。
英语作文给客户写一份关于保险政策的建议
英语作文给客户写一份关于保险政策的建议全文共3篇示例，供读者参考篇1Dear Insurance Customers,Hi there! My name is Jamie and I'm a 10-year-old kid who loves learning about all sorts of things. Recently, I've become really interested in insurance policies. I know, I know - it might seem like a pretty boring topic for a kid. But I actually find it fascinating how insurance works to protect people and their belongings.Since I've been studying up on insurance, my parents thought it might be helpful for me to share some advice with you about choosing the right policies. After all, kids can sometimes explain things in simpler terms that adults can understand better! So here are my top tips when it comes to insurance:Tip #1: Get Insurance for The Important StuffThe whole point of insurance is to protect the important things in your life that would be really hard to replace if something bad happened. That's why you definitely needinsurance for the biggies like your home, your car, and your health.Your home is probably the biggest investment you'll ever make, so you'll want a good homeowners insurance policy. That way, if a fire or storm damages your house, the insurance company will help pay to repair it or even rebuild it from scratch. The same goes for all your belongings inside too - the insurance can replace your furniture, clothes, electronics, and other valuables if they get ruined.Then there's your car, which is another super important (and expensive!) thing to have insurance for. If you get into a accident, car insurance covers repairs to your vehicle. It also protects you if you accidentally hurt someone else or damage their property - the insurance can pay for their costs too.But even more important than insuring your home and vehicle is having health insurance. Medical bills can be astronomically high if you get really sick or injured. Health insurance ensures you can afford the care you need, like hospital stays, surgeries, medications, and more. It gives you peace of mind knowing you and your family will be covered.Tip #2: Shop Around for the Best RatesNot all insurance policies are created equal. Prices can vary A LOT between different insurance companies for the same coverages. That's why you need to shop around and compare rates from lots of different insurers.My dad says the easiest way to do this is by going through an independent insurance agent or broker. They can get quotes from lots of companies at once, instead of you having to contact each one individually. Then you can pick whichever policy works best for your needs at the most affordable price.When comparing costs, make sure you're looking at apples-to-apples — the same amounts of coverage on each policy. Don't just go for the rock-bottom price if it means getting skimpy coverages that won't actually protect you properly. You want to strike the right balance between good value and solid protection.Tip #3: Consider Extra CoveragesMost basic insurance policies cover the major events like fires, storms, accidents and injuries. But you may want to add extra coverages, called "endorsements", to get broader protection. This can give you peace of mind for relatively little extra cost.For example, you can usually get endorsements on a homeowners policy for extra protection against things like water backup from sewer or drain lines, identity theft, equipment breakdowns, and more. These are cheap add-ons that could end up saving you a fortune.With car insurance, you can add endorsements for roadside assistance if you have a breakdown, rental car coverage if your vehicle is in the shop, and even diminishing deductible rewards that let you reduce your deductible over time for beingclaim-free.Health insurance also offers supplemental coverage options like dental and vision care that you may want to consider adding on. These can make your overall policy a bit pricier but more comprehensive.Tip #4: Pick Reasonable DeductiblesWhenever you get insurance, you'll probably have to choose a deductible amount. This is the chunk of money you have to pay out-of-pocket towards a claim before the insurance kicks in.For example, let's say you have a 500 deductible on your home insurance. If you have 8,000 worth of damage from a kitchen fire, you pay the first 500 and the insurance companycovers the remaining 7,500. The higher your deductible, the less your insurance premiums (payment amounts) will be each month.It might be tempting to go for a super high deductible to get the cheapest possible premiums. But be careful! You need to make sure your deductible is still an amount you could realistically afford to pay if you need to file a claim. A 5,000 deductible might sound great in terms of premium savings, but could you actually swing that 5,000 bill all at once? Probably not for most families.That's why it's usually wise to find a deductible amount that gives you a fair premium while still being in your means to pay if needed. For homeowners and auto insurance, 500 or 1,000 deductibles are pretty typical for a good balance. With health insurance, you might be able to handle a 2,000-3,000 deductible since you're (hopefully) not filing claims every year.Tip #5: Ask About DiscountsYou'd be surprised how many discounts insurance companies offer that can save you money! Always inquire about any discounts you could be eligible for - a little bit here and there can really add up.Common homeowner discounts are for things like having smoke detectors, a security system, brand new plumbing or electrical, and being claim-free for an extended period. There are also discounts if you used to be (or currently are) a member of the military, a teacher, a first responder or many other occupations.Car insurers provide discounts for safety features likeanti-lock brakes and airbags, driving relatively low mileage, being a good student, taking a defensive driving course, and more. If you bundle your auto insurance with your home or other policies from the same company, you'll get a discount on that too.Even health insurers offer discounts sometimes if you don't use tobacco products, work out regularly, get annual check-ups, and have healthy biometrics like blood pressure and cholesterol levels. So make sure to explore any possible discounts before choosing a policy!Well, those are my top tips for navigating the world of insurance! I know it was a lot to cover, but I hope I was able to explain things clearly from a kid's perspective. The bottom line is that insurance is super important for protecting you, your lovedones and your possessions. Don't wait until it's too late - get yourself properly covered today!Thanks for reading, and stay safe out there!Sincerely,Jamie, 4th Grader & Amateur Insurance Advisor篇2Dear Mr. Client,Hi! My name is Tommy and I'm a 3rd grader at Oakwood Elementary School. I was asked to write you a letter about insurance policies because I'm really good at explaining things in simple words that everyone can understand. Insurance can seem really confusing with all the big words and stuff, but I'll do my best to break it down for you. Get ready for Insurance 101 with Tommy!First up, what even is insurance? Insurance is kind of like a shield or safety net that protects you if something bad happens. You pay a company money each month or year (called a "premium") and in return, if you get into a car accident, your house burns down, or you get really sick, the insurance company will help pay for the costs. Pretty cool, right?There are different types of insurance for different things. Let me go through some of the most common ones:Car InsuranceIf you drive a car, you need car insurance. It's actually the law in most places! Car insurance covers repairs if you crash your car, damage to other people's cars if you hit them, and medical bills if anyone gets hurt. It's really important because car repairs and hospital stays can cost a ton of money.Home InsuranceHome insurance protects your house or apartment if there's a fire, burglar, storm, or other disaster. It will pay to repair any damage or replace your belongings if they get ruined or stolen. That way you don't lose everything if something terrible happens.Health InsuranceThis one is super important! Health insurance helps pay your medical bills if you go to the doctor, hospital, or need surgery. Things like broken bones, cancer treatment, and regularcheck-ups are covered. Without health insurance, you'd have to pay the full cost yourself, which could be thousands or even millions of dollars!Life InsuranceLife insurance isn't for you, it's for your family if you die. If the person who provides income for the household passes away, life insurance gives money to their spouse and kids so they can survive without that income. It makes me sad to think about, but it's really important for families.There are other types too like pet insurance, travel insurance, and insurance for your small business. But those four - car, home, health, and life - are the most common.When choosing an insurance policy, there are a few key things to look at:DeductibleThe deductible is the amount of money you have to pay out of your own pocket before the insurance kicks in. Let's say you have a 500 deductible on your home insurance and there's 5,000 worth of damage in a kitchen fire. You pay the first 500, and the insurance company covers the remaining 4,500. Higher deductibles mean lower premiums, but more risk for you.Coverage LimitsThis is the maximum amount the insurance company will pay for a claim. You want coverage limits high enough to protectyour biggest assets like your home, car, and income. But higher limits mean higher premiums.NetworkFor health insurance, you'll get the best rates if you see doctors and go to hospitals that are "in-network."Out-of-network costs a lot more money.It's important to shop around and compare policies carefully. Don't just go with the cheapest option, as it might have poor coverage or high deductibles. But premiums need to be something you can afford too.The best approach is to assess your individual risks and assets, then find an insurance package that gives you the right protection at a fair price. Don't over-insure and waste money, but make sure you, your family, your home, and your finances are well-protected if disaster strikes.I tried to explain insurance as simply as I could! Let me know if you have any other questions. I may be just a 3rd grader, but I'll do my best to help out. Stay safe out there!Your friend,Tommy篇3My Insurance Policy RecommendationsHi there! My name is Timmy and I'm 9 years old. You asked me for some advice about picking good insurance policies, so here goes!First up, let's talk about health insurance. This is super important because healthcare can cost a bazillion dollars if you get really sick or hurt. My parents have a plan that covers doctor visits, medicines, hospital stays, and even stuff like physical therapy if we need it. It doesn't cover everything 100% but it pays for most of the big things.I'd recommend getting a plan with a low deductible. That's the amount you have to pay out of your own pocket before the insurance starts covering things. My parents' deductible is 500 per person. That's not too bad, especially compared to plans with deductibles of like 5,000 or more! You don't want to get stuck with huge medical bills.The premium is also important. That's how much you pay every month for your health insurance. More expensive plans tend to have lower deductibles and cover more. Cheaper plans make you pay more out-of-pocket when you need care. Youhave to find the right balance based on your budget and how much healthcare you think your family will need.Next, let's discuss car insurance. This covers you if you get into a crash and damage your vehicle or someone else's. It also protects you if you hurt somebody and they sue you. Getting car insurance is really important because repairs can cost a ton! And you could end up in huge trouble if you hit someone and don't have insurance.I'd advise getting collision and comprehensive coverage. Collision covers repairs if you smash into something, like another car or a tree. Comprehensive takes care of other kinds of damage, like from hail storms, vandalism, or running over a deer (that totally happened to my uncle Steve!). Those two coverages will make sure your car gets fixed no matter what happens.Liability coverage is crucial too. That covers the other person's damages if the accident is your fault. I'd get at least 100,000 of bodily injury liability in case you really hurt somebody. And maybe 300,000 of property damage liability in case you smash up an insanely expensive car or building. The more coverage the better!One more car insurance thing - make sure you get uninsured/underinsured motorist coverage. That protects you ifsome dummy crashes into you and doesn't have any insurance. Or if they have crummy insurance that doesn't pay for all the damage. Getting hit by an uninsured driver would be the worst!Okay, now let's discuss homeowners insurance. This covers your house, your stuff inside, and some other important things. Getting homeowners insurance is definitely not optional! If a tornado destroys your house or a burglar steals all your belongings, you'll be completely broke without insurance to pay for a new home and stuff.When picking your policy, get enough dwelling coverage to totally rebuild your house if it gets knocked down. Don't just get the mortgage amount or purchase price - those could be way too low! You need the true reconstruction cost which is usually higher, especially if your home is big or customized. My parents increased their dwelling coverage after some renovations sowe'd be properly covered.It's smart to get unlimited replacement cost coverage on your personal belongings too. That way if your stuff gets ruined, the insurance company will pay the full amount to replace it with new items of similar quality. Actual cash value coverage seems cheaper but then you only get little checks for the depreciated value of your old crappy things.You'll also want liability coverage in case somebody gets injured at your house and sues you. Maybe go with 500,000 or 1 million there - lawsuits can get crazy expensive from what I've heard!Finally, be sure you have enough coverage for detached structures like sheds and fences. And get endorsements for valuable items like fancy jewelry, art, or collectibles if you have stuff like that.Those are the key things I'd focus on! Insurance can seem kinda confusing but it's super important for protecting your health, house, car and other valuable things. Hopefully these recommendations give you a good starting point for thinking about what types of policies and coverages you need.Let me know if you have any other questions! I'll be happy to explain more or give you additional tips about insurance. I've learned a ton from listening to my parents discuss this stuff.Take care!Timmy。
写一封关于保险政策的电子邮件范文英语
写一封关于保险政策的电子邮件范文英语全文共3篇示例，供读者参考篇1Subject: Important Updates on Insurance PolicyDear valued customers,We hope this email finds you well. We are writing to inform you about some important updates on our insurance policies that will come into effect starting next month.Firstly, we would like to announce that we will be introducing a new premium structure for our insurance policies. This new structure has been designed to better reflect the risks associated with each policy and will ensure fair pricing across all our products.Additionally, we are planning to introduce a new range of insurance products that are tailored to meet the evolving needs of our customers. These new products will provide enhanced coverage and additional benefits to ensure that you are adequately protected in any situation.Furthermore, in order to provide our customers with the best possible service, we will be launching a new online portal where you can access your policy information, make claims, and contact our customer support team. This portal will make managing your insurance policies easier and more convenient than ever before.Lastly, we would like to assure you that our commitment to providing high-quality insurance products and excellent customer service remains unwavering. We strive to constantly improve and innovate to meet the changing needs of our customers and provide the best possible insurance solutions.We appreciate your continued support and trust in our company. If you have any questions or concerns about these updates, please do not hesitate to contact us. We look forward to serving you and meeting all your insurance needs.Best regards,[Your Name] [Your Title] [Company Name]篇2Subject: New Insurance Policy UpdatesDear valued customers,We hope this message finds you well. We are writing to inform you about some important updates to our insurance policies, which have been implemented to better serve your needs and provide greater peace of mind.First and foremost, we have recently launched a new policy option that offers enhanced coverage for travel insurance. This policy includes additional benefits such as coverage for trip cancellations due to unforeseen circumstances, lost baggage, and emergency medical expenses while traveling abroad. We understand that travel can be unpredictable, and we want to ensure that you are protected in any situation.In addition to our travel insurance policy, we have also made improvements to our auto insurance coverage. Our new policy now includes roadside assistance in the event of a breakdown or accident, as well as coverage for rental car expenses if your vehicle is being repaired. We know how important it is to have reliable transportation, and we want to make sure you are covered in case of any mishap on the road.Furthermore, we have updated our home insurance policy to provide better protection for your most valuable assets. Our policy now includes coverage for natural disasters such as floods, earthquakes, and wildfires, as well as coverage for personalbelongings and temporary living expenses in case of evacuation. We understand that your home is where you feel safest, and we want to make sure it is properly protected.Finally, we have expanded our life insurance options to include new plans tailored to your specific needs. Whether you are looking for coverage to protect your family in case of unexpected events, or you are planning for your retirement and want to ensure your loved ones are taken care of, we have a plan that will work for you.We are committed to providing you with the best insurance coverage possible, and we believe these new policy updates will help us achieve that goal. If you have any questions about the changes to our policies or if you would like to learn more about our new options, please do not hesitate to contact us. Our team of experts is standing by to assist you and provide you with the information you need to make an informed decision.Thank you for choosing us as your insurance provider. We look forward to continuing to serve you and protect what matters most to you.Sincerely,[Your Name][Your Title][Company Name]篇3Subject: Important Updates on Insurance PoliciesDear valued customers,I hope this email finds you well. We would like to take this opportunity to inform you about some important updates on our insurance policies.Firstly, we are pleased to announce that we have introduced a new comprehensive insurance policy that covers a wide range of risks, including natural disasters, theft, and accidents. This policy aims to provide you with peace of mind knowing that you are protected in various unforeseen circumstances.Secondly, we have updated our claims process to make it more efficient and customer-friendly. We understand that filing a claim can be a stressful experience, and we want to make the process as smooth as possible for you. Our dedicated claims team is available to assist you throughout the process and ensure that your claim is processed in a timely manner.In addition, we have revised our pricing structure to offer you competitive premiums based on your individual needs and circumstances. We believe that insurance should be accessible and affordable for everyone, and we are committed to providing you with the best value for your money.Lastly, we would like to remind you to review your insurance coverage regularly to ensure that it meets your current needs. Life can be unpredictable, and your insurance needs may change over time. By reviewing your policy regularly, you can make sure that you are adequately protected against potential risks.We appreciate your continued support and trust in our insurance services. If you have any questions or need further information, please do not hesitate to contact our customer service team.Thank you for choosing us as your insurance provider.Best regards,[Your Name][Your Title][Insurance Company Name]。
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• What about WPA? • Although the WPA covers Particular Average in addition to FPA, still, its cover does not offer adequate protection for this kind of merchandise.
• 1) If you want us to insure against a special risk, an extra premium will have to be charged. • 2) To protect the goods against possible losses before shipment, the buyer or the seller usually applies to an insurance company for insurance covering the goods to be transported.
• 3) Generally speaking, we insure WPA on CIF sales. • An insurance policy is a document setting out the exact terms and conditions of an insurance transaction. • All kinds of insurance are provided by the People’s Insurance Company of China. • We usually cover 10% above the invoice value.
• • • • • • •
Insurance rate Delicate Voyage Partial Clause Quotation Urgent
• • • • • •
Theft Marine Particular average Affixation insurance Insurance for all risks War Risk Insurance
• _______(保险险别）is the extent of protection given to the insured by terms of the contract of insurance. • _______(预付) is money paid as a loan or as a part of payment to be made later.
• I still have a few points which I don’t quite understand. Will you be so kind as to explain them to me? • With pleasure. What are they?
• What should be done if there are total losses that are due to a natural calamity outside those calamities specified in the Clause? • Well, sometimes this kind of loss might take place. Yes, we say, claims may be dealt with according to the local practice.
Coverage Beneficiary Settlement Valid Insured Insurer
• Could you tell me if particular average insurance includes compensation of goods damage? • The compensation of damaged goods is covered in the insurance of risk of breakage. If you claim, the affixation insurance will be added.
Insurance
海运保险投保
• 运输中的每一批货物都有可能碰到各种各 样的风险。概括说来，可投保的风险基本 上可划分为两大类，即“海上风险”和 “外来风险”。
• 海上风险不仅包括自然灾害，如风暴、洪 灾、地震、雷击等，而且还包括意外事故， 如火灾、碰撞、爆炸、轮船搁浅和沉没等。
• 外来风险通常由外部因素引起，可分为一 般外来风险和特殊外来风险两种。一般外 来风险包括有偷窃、扒窃、泄露、短量、 生锈、污染等风险；而特殊外来风险则指 战争、罢工、进口关税、拒收、交货不到 等风险。
• 7) This insurance policy covers us against All Risks. • 8) WPA plus Risk of Breakage suits your consignment. • Your insurance only protects you from the damages that happen in transit. • 10) The insurance doesn’t cover loss or damage caused by the intentional act or fault of the insured.
• Are buyers responsible for the changes of affixation insurance? • Yes. This is the standard practice.
• What about insurance for all risks? • Insurance for all risks will cover the compensation of damaged goods, but the premium is relatively higher.
• _______(保险凭证) is a kind of simplified insurance policy. It only indicates the name of the insured, name of the insured cargo, quantity, mark, conveyance, place of shipment, place of destination, insurance cover, and insurance amount. But the rights and obligations of the two parties are omitted.
• __________(保险费) is the amount an insured pays in exchange for the protection provided by a policy. • ________(海运保险) is the protection against damage, theft and other losses to goods while goods are transported over waters.
• May I ask you a few questions about insurance? • Yes. • Now we’ve given a ___________ for some steel plates. What ___________ do you suggest we should get? • Well, obviously you don’t want、承保人) is the company that issues a policy in exchange for a stated commission, and assumes the risk of loss. • ________(被保险人) is the individual who holds a policy of insurance. The policyholder is distinguished from the policy owner, who might not be the same person.
• Do you cover risks other than WPA, for instance, TPND, Weight and Fresh and Rain Damage? • Yes. If the buyers want to have the goods insured against these risks, we shall arrange for them.
• That is what I’m going to discuss with you. What kind of risk do you usually insure against as to this class of merchandise? • Generally speaking, it depends on you.
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Total loss Partial loss Free from particular average Compensation Insurance premium rate Accident insurance Insurance policy
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• _______ (保险单)is a contract of insurance, an agreement between the insurer and the insured. In return for protection against specified risks, the insured agrees to pay a premium for the term of insurance.
• How long is the validity term of insurance responsibility? • It is up to 60 days until the goods are unloaded from ships.