外贸英语中英翻译之保险

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外贸英语保险(ppt课件)

学习交流课件
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❖ 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
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学习交流课件
5
❖ 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
外贸英语
保险
学习交流课件
1
Words and Phrases
❖ 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

保险专业词汇中英文

保险专业词汇中英文
保险行业涉及大量的专业术语，这些术语在中文和英文中都有其特定的表达方式。

以下是一些常见的保险专业词汇及其对应的中英文对照：
保险(Insurance)
保单(Insurance Policy)
保险人(Insurer)
被保险人(Insured)
受益人(Beneficiary)
保费(Premium)
赔款(Claim Payment)
免赔额(Deductible)
赔偿限额(Limit of Indemnity)
风险(Risk)
再保险(Reinsurance)
承保(Underwriting)
拒保(Decline to Insure)
解除保险(Cancellation of Insurance)
续保(Renewal of Insurance)
核保(Risk Assessment)
理赔(Claim Settlement)
等待期(Waiting Period)
保险期间(Policy Period)
保险责任(Insurance Liability)
这只是保险专业词汇中的一小部分，实际上，保险行业的专业术语非常丰富。

在实际应用中，建议参考相关的保险行业标准和规范，以确保术语使用的准确性和专业性。

外贸常用英语口语：保险 Insurance

外贸常用英语口语：保险 Insurance （一）I'm looking for insurance from your company.我是到贵公司来投保的。

Mr. Zhang met Mr. William in the office of the People' Insurance Company of China.张先生在中国人民保险公司的办公室接待了威廉先生。

After loading the goods on board the hip， 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？我什么时候将这批茶叶投保？All right. Let's leave insurance now.好吧，保险问题就谈到这里。

I have come to explain that unfortunate affair about the insurance.我是来解释这件保险的不幸事件的。

I must say that you've corrected my ideas about the insurance.我该说你们已经纠正了我对保险的看法。

This information office provides clients with information on cargo insurance.这个问讯处为顾客提供大量关于货物投保方面的信息。

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.损失不包括在我方承保的范围内。

外贸英语保险

❖ 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.
❖ 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 clause.
❖ 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
❖ 这些险别适合你要投保的货物。
❖ May I ask what exactly insurance covers according to your usual C.I.F terms?
❖ 请问根据你们常用的CIF价格条件，所保的究竟包括哪些险别？
❖ It 's important for you to read the "fine print" in any insurance policy so that you know what kind of coverage you are buying.
❖ ceding, retrocession(for reinsurance) 分保 reinsurance 分保（再保险） ceding(insurance)company 分保公司 co-insurance company 共同保险公司 insurance document 保险单据 certificate of insurance 保险凭证 increasing coverage, extending coverage 加保 renewing coverage 续保 insurance commission 保险佣金 social insurance 社会保险 personal property insurance 个人财产保险 insurance of contents 家庭财产保险

外贸英语保险常用词

外贸英语保险常用词汇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。

保险外贸英语对话

保险外贸英语对话以下是一个关于保险的外贸英语对话示例：A: Alice (出口商), B: Bob (保险经纪人)A: Hi Bob, I'm in the process of exporting our goods to overseas markets and I've been thinking about insurance coverage. Can you provide some information on export insurance?B: Of course, Alice. Export insurance, often known as cargo insurance, protects your goods during transit. It covers risks like damage, loss, or theft. Do you have specific shipments in mind?A: Yes, we have a shipment of machinery heading to Germany next month. What risks are typically covered?B: Machinery is considered high-value cargo. With export insurance, you'd be covered against physical damage during transportation, theft, and other specified perils. We can tailor the coverage based on your needs.A: That sounds good. What about the cost? How is it usually calculated?B: The cost depends on various factors like the nature of the goods, their value, the shipping route, and the chosen coverage. I can provide you with a detailed quote once we have all the necessary information.A: Perfect. What documents do I need to prepare for the insurance application?B: Generally, we'll need details about the goods, their value, the shipping method, and the destination. Additionally, any relevant commercial invoices and packing lists will be required.A: Okay, I'll gather the necessary information and documents. Howquick is the process from application to obtaining coverage?B: The process is relatively quick. Once we have all the details, we can issue a policy promptly. It's crucial to start the application early to ensure seamless coverage for your shipment.A: Great. I'll get everything together and share the details with you soon. Thanks, Bob!B: You're welcome, Alice. If you have any more questions or need assistance, feel free to reach out.。

外贸英语口语对话Unit15：insurance保险

unit 13 insuranceMr smith, a newzerland businessman,is importing a batch of porcelain ware from china.The price terms have been fixed on CIFoakland basis. After loading the goods on board ship,Mr smith go to the insurance company to have the porcelain ware insured.Mr john meets with him in the office of the people's insurance company of china.Good morning.Good morning,i'm joe smith, a newzerland businessman and l'm looking for insurance from your company.Welcome, my name is john,take a seat,please.Thank you, Mr john.What kind of insurance are you able to provide for my consignment?We've been able to cover all kinds of risks for transportation by sea,land and air.I have a batch of procelain ware to be shiped to newzerland,what risks should be covered?we can server you with a broad range of coverage against all kinds risks for sea transport.such as free from particular coverage,with particular coverage,all risks and extraneous risks.It's better for you to scan this leaflet first.and then make a decision.FPA,that means free from particular average.it's good enough ,what do you think?Surely,you can.do as you pleased.but do you wish to arrange for WPA and additional corverage against risk of breakage.it's suit your consignment.Perhaps you're right.I'LL have the goods covered as you said.very good,please fill in the application form.you need to write every word clearly.Surely,i'll.Mr,john,i finished.Please help me to have a check to see if everything is correct.Ok,let me read it.insured,joe smith. description of the goods: porcelain. mode of transprot: the name of vessel,SShuayuan coverage: wpa plus risk of breakage.OH,mr smith,why both the loading prot and unloading port are missing?OH,terriblely sorry.i forgot that.The loading port is xingang and the unloading port is ockland.Here you are.Now,what the insurane premium?The premium is to be caculated in this way.First find out the premum rate for a porcelain,that is the porcelain 3 percentand secondly consider what risks are covered.what you have covered is WPA plus risk of breakage.so the total premium isGood, mr john,thank you for your assistance.Don't mention it. See you again.See you again.Dialogue 1What do your insurance classes cover?There are three basic covers:namely free from particular average,with particular average,and all risks.If we conclude the business on CIF basis,what coverage will you take out for the goods?Generally speaking,we only insure the goods with particular average,do you cover risks other than WPA? Forinstance,TPND,risks of leakage,risks of breakage,fresh or rain waterdamage?According to international practice,we did not insure against such risks.unless they are covered for by the buyers.and buyers will pay for the extral premium.Another thing,we'd like to have the goods insured for 130 percent of the invoice value.do you think that can be done?You know our usual practice is insured the goods at 110percent of the invoice vaule.if you insist that you have the goods insuredfor 130 percent of the invoice value, i think that can be done.but the premium for the diffrence between 110 percent and 130 percentof the invoice value shoud be for your account.That's understood.Dialogue 2May i ask a few questions about insurance?Yes,go ahead,please.Now,we have given our CIF shanghai price for some steel plates, what insurance rate do you suggest we should get? Well, obviously,you won't mount all risks covered>Why not?Because they are not delicate goods,and won'tlikely be damadged on the voyage.FPA will be good enough.Then i'm arride in understanding that FPA that's not cover partial loss of the natureof particular average.That's right,on the orther hand, a WPA policycovers you against partial loss in all cases.Oh,i see,thank you very much/。

外贸英语：保险

美联英语提供：外贸英语：保险小编给你一个美联英语官方试听课申请链接：/?tid=16-73374-0外贸英语：险种A: Mr. Wang,l'd like to have a talk with you over the question of insurance.if you don't mind.A:王先生，如果你不介意，我想同你谈谈保险的问题。

B: No,not a bit. Go ahead.please.B: 一点也不介意，请说吧。

A: What kind of insurance do you offer?A:你们提供什么样的保险?B: We insure with the people's insurance company of China.B:我们投的是中国人民保险公司的险种。

A: What insurance do you generally provide?A:你们一般都保哪些险?B: FPA,WPA.or all risks.B:平安险，水渍险和一切险。

A: What about the case of jeans?A:那么牛仔裤呢?B: All risks.B:一切险。

外贸英语：投保A: I am looking for insurance from your company.A:我是来贵公司投保的.B: Mr. Wang.Mr. William will meet you in the office.B:王先生，威廉先生在办公室接待您。

A: By the way.what kind of insurance are you able to provide for my consignment? A:顺便问一下，贵公司能为我的这批货保哪些险?B: lt's better for you to scan the leaflet.and then make a decision.B：您最好先看看说明书，再决定保什么险。

外贸保险的外贸英语

外贸保险的外贸英语有关外贸保险的外贸英语theft, pilferage and nondelivery (T.P.N.D.) 盗窃提货不着险rain fresh water damage 淡水雨淋险risk of shortage 短量险risk of contamination 沾污险risk of leakage 渗漏险risk of clashing &breakage 碰损破碎险risk of odour 串味险damage caused by sweating and/or heating 受潮受热险hook damage 钩损险loss and/or damage caused by breakage of packing 包装破裂险risk of rusting 锈损险risk of mould 发霉险strike, riots and civil commotion (S.R.C.C.) 罢工、暴动、民变险risk of spontaneous combustion 自燃险deterioration risk 腐烂变质险inherent vice risk 内在缺陷险risk of natural loss or normal loss 途耗或自然损耗险special additional risk 特别附加险failure to delivery 交货不到险import duty 进口关税险on deck 仓面险Rejection 拒收险survey in customs risk 海关检验险survey at jetty risk 码头检验险institute war risk 学会战争险overland transportation risks 陆运险overland transportation all risks 陆运综合险air transportation risk 航空运输险air transportation all risk 航空运输综合险air transportation war risk 航空运输战争险parcel post risk 邮包险parcel post all risk 邮包综合险Risks &Coverage 险别free from particular average (F.P.A.) 平安险with particular average (W.A.) 水渍险(基本险)all risk 一切险(综合险)total loss only (T.L.O.) 全损险war risk 战争险cargo(extended cover)clauses 货物(扩展)条款additional risk 附加险from warehouse to warehouse clauses 仓至仓条款parcel post war risk 邮包战争险investment insurance(political risks) 投资保险(政治风险) property insurance 财产保险erection all risks 安装工程一切险contractors all risks 建筑工程一切险the stipulations for insurance 保险条款marine insurance policy 海运保险单specific policy 单独保险单voyage policy 航程保险单time policy 期限保险单floating policy (or open policy) 流动保险单ocean marine cargo clauses 海洋运输货物保险条款Certificate of Origin 产地证certificate of origin of China showing 中国产地证明书Stating 证明Evidencing 列明Specifying 说明Indicating 表明declaration of 声明certificate of Chinese origin 中国产地证明书Packing List and Weight List 装箱单与重量单packing list detailing… 详注……的装箱单packing list showing in detail… 注明……细节的装箱单weight list 重量单weight notes 磅码单(重量单)detailed weight list 明细重量单weight and measurement list 重量和尺码单Inspection Certificate 检验证书certificate of weight 重量证明书phytosanitary certificate 植物检疫证明书plant quarantine certificate 植物检疫证明书fumigation certificate 熏蒸证明书sanitary certificate 卫生证书health certificate 卫生(健康)证书analysis certificate 分析(化验)证书tank inspection certificate 油仓检验证明书record of ullage and oil temperature 空距及油温记录单certificate of aflatoxin negative 黄曲霉素检验证书non-aflatoxin certificate 无黄曲霉素证明书revolving L/C 循环信用证L/C with T/T reimbursement clause 带电汇条款信用证without recourse L/C/with recourse L/C 无追索权信用证/有追索权信用证documentary L/C/clean L/C 跟单信用证/光票信用证deferred payment L/C/anticipatory L/C 延期付款信用证/预支信用证back to back L/Creciprocal L/C 对背信用证/对开信用证traveller's L/C(or:circular L/C) 旅行信用证L/C Parties Concerned 有关当事人opener 开证人applicant 开证人(申请开证人)principal 开证人(委托开证人)accountee 开证人accreditor 开证人(委托开证人)for account of Messrs 付(某人)帐at the request of Messrs 应(某人)请求on behalf of Messrs 代表某人by order of Messrs 奉(某人)之命by order of and for account of Messrs 奉(某人)之命并付其帐户at the request of and for account of Messrs 应(某人)得要求并付其帐户in accordance with instruction received from accreditors 根据已收到得委托开证人得指示inspection certificate 检验证书Other Documents 其他单据full text of forwarding agents' cargo receipt 全套运输行所出具之货物承运收据parcel post receipt 邮包收据pure foods certificate 纯食品证书combined certificate of value and Chinese origin 价值和中国产地联合证明书The Stipulation for Shipping Terms 装运条款loading port and destinaltion 装运港与目的港despatch/shipment from Chinese port to… 从中国港口发送/装运往……date of shipment 装船期shipment latest date… 最迟装运日期：……partial shipments and transhipment 分运与转运partial shipments are (not) permitted (不)允许分运partial shipments (are) allowed (prohibited) 准许(不准)分运without transhipment 不允许转运transhipment at Hongkong allowed 允许在香港转船partial/prorate shipments are perimtted 允许分运/按比例装运。

BEC专业术语：外贸英语之保险

（一）I'm looking for insurance from your company. 我是到贵公司来投保的。

我是到贵公司来投保的。

Mr. Zhang met Mr. William in the oﬃce of the People' Insurance Company of China. 张先生在中国人民保险公司的办公室接待了威廉先生。

张先生在中国人民保险公司的办公室接待了威廉先生。

A er loading the goods on board the hip，I go to the insurance company to have them insured. 装船后，我到保险公司去投保。

装船后，我到保险公司去投保。

When should I go and have the tea insured？我什么时候将这批茶叶投保？我什么时候将这批茶叶投保？All right. Let's leave insurance now. 好吧，保险问题就谈到这里。

好吧，保险问题就谈到这里。

I have come to explain that unfortunate aﬀair about the insurance. 我是来解释这件保险的不幸事件的。

我是来解释这件保险的不幸事件的。

I must say that you've corrected my ideas about the insurance. 我该说你们已经纠正了我对保险的看法。

我该说你们已经纠正了我对保险的看法。

This informa on oﬃce provides clients with informa on on cargo insurance. 这个问讯处为顾客提供大量关于货物投保方面的信息。

这个问讯处为顾客提供大量关于货物投保方面的信息。

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。

商务英语写作-外贸英语之保险篇

商务英语写作外贸英语之保险篇what is the insurance premium?保险费是多少？Mr. Zhang met Mr. William in the office of the People’Insurance Company of China.张先生在中国人民保险公司的办公室接待了威廉先生。

This information office provides clients with information on cargo insurance.这个问讯处为顾客提供大量关于货物投保方面的信息。

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 extent of insurance is stipulated in the basic policy form and in the various risk clause.保险的范围写在基本保险单和各种险别的条款里。

Please fill in the application form.请填写一下投保单。

What risks is the People’s Insurance Company of Chinaable to cover?中国人民保险公司承保的险别有哪些？May I ask what exactly insurance covers according to your usual C.I.F terms?请问根据你们常用的CIF价格条件，所保的究竟包括哪些险别？It ‘s important for you to read the “fine print” in any insurance policy so that you know what kind of coverage you are buying.阅读保险单上的”细则”对你是十分重要的，这样就能知道你要买的保险包括哪些项目。

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。

商务英语口语之保险

商务英语口语之保险下面是关于保险的商务英语口语内容，希望对大家有所帮助，欢迎阅读。

1. Please insure for us these products at invoice value plus 10% ( at 110% of the invoice value).请给我们这批货物在发票金额上加10%的保险(即发票金额为110%)2.We’d like to cover our ordered goods against WPA for 120% of the invoice value according to our usual practice.我们要求根据实际对我们订购的货物按发票金额120%投保水渍险3.Please hold us covered for the cargo listed on the attached sheet.请保留附件表所列出的货物4.For this consignment, we shall cover WPA and risk of breakage for 110% of the invoice value.对这批货，我们要按发票金额110%投保破损险5.Our company will insure against all risks for 110% of the invoice value.我们公司要按发票金额110%投保6.Please insure the electric fans at 120% of the invoice value.请按合同金额120%对电扇投保7.The machines are to be unsured against all risks.机器不确定所有风险8.We only cover FPA and war risk.我们仅保平安险和战争险9.There are not delicate goods that can be damaged on the voyage .FPA will be good enough.航行中不是精致的货物不易受损，所以平安险就足够了10.Our goods are very valuable , so I want insure against all risks.我们的货物非常贵重，所以我要保所有险11.We’d like to get a policy for total loss only for these goods.我们只对这批货所有损失做个方案12.I’d like to get a AR insurance policy. That way , we will be covered for any kind of loss or damage.我想获得AR保险条例，也就是说我们要涉及各种丢失或损失13.I’m afraid that WPA coverage is too narrow for a shipment of this nature. Please extend the coverage to include TPND.恐怕这种运输条件仅有水渍险范围太窄，请另加盗窃和提货不着险14.Would you insure our goods to be shipped from Shanghai to Lisbon next month?你对我们下月从上海到里斯本的货物投保了吗15.Can you cover our goods against breakage?你能保证我们的货物免于破损吗16.We should be glad if you would provide cover of $390,000 on computers, in transit from Tokyo to Beijing.如果你能提供我们从东京到北京的计算机390,000美金的保险，我们将非常高兴17.Please insure us against all risks $300,000 value of 5,000 sets of “ Butterfly” sewing machines, sailing for New York.请给我们到纽约的5,000套“蝴蝶”牌缝纫机按300,000美金投保一切险18.Please insure for me against all risks 200 pieces of high-quality furniture valued $20,000.请为我们就200套高质量家具按20,000美金投一切险19.We wishes to insure against all risks for the sum of $1,500 on 3 cases glassware.我们希望能为3箱玻璃按1,500美金金额投保一切险20.We shall shortly be making regular shipments of leather goods to Canada, and shall be glad if you will issue an all risks marine insurance policy for $70,000 to cover these shipments.我们将不久出口皮革品到加拿大，若为这批货按70,000美金投保海运一切险将使我们非常高兴21.Please give us the policy rates for FPA coverage and for WPA coverage.请给我们关于平安险和水渍险的投保率方案22.We require the current insurance rates for land transportation.我们需要陆地运输的当前投保率23.I have some glassware to be ship to Hongkong. What risks should I cover?我有货要运到香港，我要保什么险24.What is the insurance premium for these goods ?这些货要多少保险费25.We need to send a shipment to England. We want to find out about your marine insurance.我们有船到英国，我们想知道你们的海运险26.Please let us know the premium of breakage.请告诉我们破损险的保险费27.What kind of insurance do you usually provide ?你们通常提供哪一种保险28.What kind of insurance can you suggest for these goods? We don’t want to take the risk of losing money because of under unsurance.请建议一下这些货要哪种保险，我们不愿有因未投保而受损失的风险29.I have a batch of glassware to be shipped in the fourth quarter, but I don’t know what risks should be covered. I would like to know some details and your advice of course will be highly appreciated.我有一批眼镜要在第四季度装运，但我不知道要保什么险，告诉我一些保险细节将不胜感谢30.If we insure against free particular average, can you compensate us for all the losses if the ship sinks or bums, or get stuck?如果我们投保平安险，在船只沉没、遗失或角礁情况下你们能否赔偿我们所有损失。