外贸函电-Unit 12 保险
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外贸函电 ,关于保险Unit12 Insurance
例如， 合同价值为USD12000， 例如，某CIF合同价值为 合同价值为 ， 投保一切险与战争险 一切险与战争险， 投保一切险与战争险，费率分别为 0.6%和0.4%，请问保险金额 和保险费 和 ，请问保险金额 各多少？ 各多少？
•Answer: • Insured Amount: • USD12000 x 110% = USD13200 •Insurance Premium: • USD 13200 x (0.6%+0.4%) = USD132
• the claimant
– The claimant may not necessarily be the insurant
• the insurance policy
- The contract made between the insurer and the insured
• the insured amount
Figure 6.4 Basic Coverage of C.I.C.
Insured Amount and Insቤተ መጻሕፍቲ ባይዱrance Premium
•The insured amount
The formula for calculating the insured amount under CIF trade terms:
• Two types of risks
– Perils of the sea
• Natural calamities – Caused by force majeure events such as heavy weather , lightening, Tsunami, earthquake, volcanic eruption,, etc. • Unexpected accidents/fortuitous accidents – Caused by accidents such as fire, explosion, vessel being stranded , grounded, sunk or capsized, collision, missing, etc.
外贸英语函电Unit 12 Complaints and Claims
When making a complaint, plan your letter as follows:
• 1. Begin by regretting the need to complain and mention the goods complained about. • 2. State your reasons for being dissatisfied and ask for an explanation. • 3. Refer to the inconvenience caused. • 4. Suggest how the matter should be put right. • 5. Close courteously with a request for prompt action.
• Letter 1 Complaint Concerning Quality of Captioned Goods
• Dear Sirs, • Sub: Printed Shirting • We have recently received a number of complaints from customers about your printed shirting. The printed shirting clearly does not match the samples you left with us.
Unit 12 Complaints and Claims
投诉和索赔
complaints are usually of the following four kinds:
• 1. The buyer should file complaints against the seller for compensation within the stipulated time in the contract the earliest possible if the loss results from the violation of the seller; • 2. The seller lodges claims with the buyer for compensation if the loss is caused by the buyer; • 3. If the loss falls within the coverage of the insurance company, the party sustaining losses should lodge his claim with the insurance company; • 4. If the shipping company is responsible for the loss, the party involved should lodge his claim with the shipping company.
Chapter 12 Insurance英语函电
2. 1) We have covered the above shipment with the PICC against All Risks for US$4,000. 2) Generally we cover insurance WPA and against War Risks in the absence of definite instructions from our clients. 3) We usually insure with the PICC for the goods sold on CIF basis. 4) We have taken out insurance for you on these goods.
fragile: easily broken
to cover for 110% of the invoice value
= to cover for 10% above/over insurance value =to cover at invoice value plus 10% 这里指按发票价的110%投保。 • e.g. You are required to cover the goods against All Risks at invoice value plus 10% . • We shall insure the goods for 10% above the invoice value.
For your information, this parcel will be shipped by S.S. "Sanxia", due to sail on or about the 8th of next month. Yours truly,
外贸英语函电Unit 12 Complaints and Claims
• Yours faithfully,
• Letter 2 Reply Accepting Complaint
• Dear Sirs, • Re: Printed Shirting • We are sorry to learn from your fax of 30
May that you find our printed shirting supplied to your order of 10 May not up to the sample.
• The printed shirting complained about is part of the batch of 100 pieces of 50 yards supplied to our No. AD108 of May 10. We have ourselves examined some of the printed shirting complained about and there is little doubt that some of them are shrinkable and others not color fast.
• We are therefore writing to ask you to accept return of the unsold balance of the batch referred to, amounting to 35 pieces in all, and to replace them by printed shirting of the same quality as the sample.
• 2. If the complaint or the claim is not justified, point this out politely and in an agreeable manner. It would be a wrong policy to refuse the claim offhand.
• Letter 2 Reply Accepting Complaint
• Dear Sirs, • Re: Printed Shirting • We are sorry to learn from your fax of 30
May that you find our printed shirting supplied to your order of 10 May not up to the sample.
• The printed shirting complained about is part of the batch of 100 pieces of 50 yards supplied to our No. AD108 of May 10. We have ourselves examined some of the printed shirting complained about and there is little doubt that some of them are shrinkable and others not color fast.
• We are therefore writing to ask you to accept return of the unsold balance of the batch referred to, amounting to 35 pieces in all, and to replace them by printed shirting of the same quality as the sample.
• 2. If the complaint or the claim is not justified, point this out politely and in an agreeable manner. It would be a wrong policy to refuse the claim offhand.
外贸英语函电Unit 12 Complaints and claims
Make the demand itself. State it clearly, specifically and completely. Write a totally positive closing, one that tactfully expresses our confidence that the demand will be met.
我们向船运公司提出索赔，以补偿损失(vi.)
We claimed on the shipping company for the recovery of the loss
由于短装，我方提出索赔2050美元(vt.)
We claim US 2050 for short shipment
Ⅱ. Tips to Write a Good Complaint
Write a relevant opening that is as positive as it can reasonably be under the circumstances, one that avoids an angry or arrogant tone. State our case as we see it, and as we would like our reader to see it. Describe the detailed situation that has necessitated our communication, that is, the reasons why demand is needed.
向某人提出索赔
Claim with/against sb Claim on sth Claim / for account of Accept/settle/entertain 受理
Unit 12 保险(商务英语)
AR: All risk
General Additional Risks (11 kinds of them);
➢ Risk of Clash & Breakage (Risk of Breakage ).
➢ TPND: Theft, Pilferage and Non-Delivery
➢ FWRD: Fresh Water or Rain Damage
(2) It is usually the insured who ask for quotation
from the insurer / insurance company.
2) insurance policy / certificate; open policy;
Unless otherwise regulated in the L/C, the negotiation
1) cover / effect / arrange / take out / attend
to / provide / handle insurance
(1) Generally we cover the insurance WPA for the
shipment and against All Risks and War Risk in
4. Other expressions concerning insurance (II): 3) Insure … with ... (insurance company);
We will insure the consignment with the local branch of the PICC.
1. Expressions about insurance (II):
General Additional Risks (11 kinds of them);
➢ Risk of Clash & Breakage (Risk of Breakage ).
➢ TPND: Theft, Pilferage and Non-Delivery
➢ FWRD: Fresh Water or Rain Damage
(2) It is usually the insured who ask for quotation
from the insurer / insurance company.
2) insurance policy / certificate; open policy;
Unless otherwise regulated in the L/C, the negotiation
1) cover / effect / arrange / take out / attend
to / provide / handle insurance
(1) Generally we cover the insurance WPA for the
shipment and against All Risks and War Risk in
4. Other expressions concerning insurance (II): 3) Insure … with ... (insurance company);
We will insure the consignment with the local branch of the PICC.
1. Expressions about insurance (II):
外贸函电保险例文及句子--Insurance PPT
Principles of Cargoes Insurance（保险的基本原则） (1)保险利益原则—— The insurable interset 投保人对保险标的应当具有保险利益。 An applicant shall have an insurable interest in the subject matter of the insurance.
是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。
An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.
Unit Twelve Insurance
1
What is the purpose of insurance?
house against fire. You can insure your car against accident/theft.
nose against harm. life insurance. health insurance. You can effect a endowment insurance.养老保险 accident insurance. burglary and robbery insurance
保险价值是指保险标的的保险价值，保险价值可以由投保人和保险人约定并在合同 中载明，也可以按照保险事故发生时保险标的的实际价值确定。 The insured value of the subject matter of the insurance may be agreed by the applicant and the insurer, and specified in the contract; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event.
是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。
An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.
Unit Twelve Insurance
1
What is the purpose of insurance?
house against fire. You can insure your car against accident/theft.
nose against harm. life insurance. health insurance. You can effect a endowment insurance.养老保险 accident insurance. burglary and robbery insurance
保险价值是指保险标的的保险价值，保险价值可以由投保人和保险人约定并在合同 中载明，也可以按照保险事故发生时保险标的的实际价值确定。 The insured value of the subject matter of the insurance may be agreed by the applicant and the insurer, and specified in the contract; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event.
外贸英语函电Unit 12 Complaints and Claims[精]
![外贸英语函电Unit 12 Complaints and Claims[精]](https://img.taocdn.com/s3/m/032a0561e87101f69e3195d3.png)
within next week to examine the faulty materials.
• If the quality of the materials delivered is found
inferior to that of the sample, you can rely on us
• 1. Begin by regretting the need to complain and mention the goods complained about.
• 2. State your reasons for being dissatisfied and ask for an explanation.
• 3. Refer to the inconvenience caused. • 4. Suggest how the matter should be put right. • 5. Close courteously with a request for prompt
action.
RULES in dealing with a complaint or a
• From what you say it seems possible that some
mistake has been made in the dispatch of the
materials meant for you. And we are arranging
for our representative in Parபைடு நூலகம்s to call on you
to replace the unsold part of the batch, and we
外贸函电__关于保险Unit12_Insurance
Insured Amount = CIF price x ( 1 + markup percentage )
The insurance premium
The formula for calculating the premium under CIF trade terms:
Insurance Premium = insured amount x premium rate = CIF price x ( 1+ markup percentage ) x premium rate
Expenses incurred
• Two types of expenses
– Sue or labor expenses (eg.施救费)
• When the subject matter suffers the risks within insurance coverage • the insured takes measures to avert or minimize the loss or damage to the subject matter insured.
8. Partial loss caused directly by natural calamities 9. Loss or damage due to external causes including general extraneous risks, excluding special extraneous risks and exclusions
1. Total loss
Actual total loss Constructive total loss
due to
a. natural calamities b. fortuitous accidents
The insurance premium
The formula for calculating the premium under CIF trade terms:
Insurance Premium = insured amount x premium rate = CIF price x ( 1+ markup percentage ) x premium rate
Expenses incurred
• Two types of expenses
– Sue or labor expenses (eg.施救费)
• When the subject matter suffers the risks within insurance coverage • the insured takes measures to avert or minimize the loss or damage to the subject matter insured.
8. Partial loss caused directly by natural calamities 9. Loss or damage due to external causes including general extraneous risks, excluding special extraneous risks and exclusions
1. Total loss
Actual total loss Constructive total loss
due to
a. natural calamities b. fortuitous accidents
外贸函电--Insurance(课堂PPT)
may include a particular average loss(单独海损), a general average loss(共同海损) and particular charges(特殊收费). Thus there are two distinct types of partial loss.
9
Part 2. Losses in Ocean Transportation Ocean average 海损
When used for insurance, the word ‘average’ has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
2
关系？
风险： risks, per partial loss
particular average (单独海损）
general average （共同海损）
险别：risks, perils, coverages
保险公司按照不同险别包括的风险所造成的损失和发生的费 用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着 紧密的联系，为此，我们对保险公司所能承保的风险与损失的种 类和内容必须有准确的理解。
8
Part 1. Perils in Ocean Transportation
（2）Special extraneous risks 特殊外来风险 Special extraneous risks refer to risks resulting
9
Part 2. Losses in Ocean Transportation Ocean average 海损
When used for insurance, the word ‘average’ has not the usual meaning. Average means loss sustained in sea transportation. According to the extent of the loss, it is divided into total loss and partial loss. （1） Total loss 全损
2
关系？
风险： risks, per partial loss
particular average (单独海损）
general average （共同海损）
险别：risks, perils, coverages
保险公司按照不同险别包括的风险所造成的损失和发生的费 用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着 紧密的联系，为此，我们对保险公司所能承保的风险与损失的种 类和内容必须有准确的理解。
8
Part 1. Perils in Ocean Transportation
（2）Special extraneous risks 特殊外来风险 Special extraneous risks refer to risks resulting
英语商务函电PPT-Unit12 Insurance
• •
保险条款 The PICC has its own insurance clauses, known as China insurance clauses (CIC), which is different from the Institute Cargo Clauses (ICC).
• The principal perils which the basic marine policy of the PICC insures against under its Ocean Marine Cargo Clauses are:
Ⅲ. Teaching contents:
• Import and export cargoes are subject to damage or loss incurred by a variety of risks in the course of transit, loading and unloading, storage, etc.
• 保险的目的是使其货物遭受损失或损坏者 得到赔偿。换句话说，它是一种赔偿契约， 给某人赔偿遭受损失的全部金额或按特定 百分比赔偿所损失的一部分金额。
• A contract of insurance, which is generally made in the form of an insurance policy, is one • between a party who agrees to accept the risk (the insurer) • and a party seeking protection from the risk (the insured).
• In return for payment of a premium, the insurer agrees to pay the insured a stated sum (or a proportion of it) should the event insured against occur. The premium, being the name given to the sum of money, paid by the insured, is quoted as a percentage of the sum insured.
外贸英语函电十二章
4.to cover (insure) sb.on sth. Please insure us on the following goods. 请为我方投保下列货物。
5.to insure…for按……金额投保 We shall insure the goods for 110% of the invoice value. 我方将按发票金额110%投保此货物 We wish you to insure the goods for the invoice value plus 10% 我方希望贵方按发票金额加10%投保。
Unit Twelve Insurance
Points for attention Sentence Patterns Specimen letter Exercises
Points for attention
保险原先应用于经常是风险大的海运损失。现在 保险已是一个涉及面甚广的项目，牵涉人们的几乎每 一个活动。就外贸而言，保险单上投保的有各种各样 的险别。（Ex P203）
Sentence Patterns
1.to insure W.P.A (F.P.A)投保水渍险（平安险） Please insure F.P.A at your end. 请在贵处投保平安险。 We generally insure W.P.A on C.I.F sales. 按CIF价出售的货物，我们一般投保水渍险。
过错方
the Shanghai Commodity Inspection Bureau 上海商品检验局Байду номын сангаас
amount to
总计
in the absence/presence of
当……不在/在时
at a slightly higher premium
5.to insure…for按……金额投保 We shall insure the goods for 110% of the invoice value. 我方将按发票金额110%投保此货物 We wish you to insure the goods for the invoice value plus 10% 我方希望贵方按发票金额加10%投保。
Unit Twelve Insurance
Points for attention Sentence Patterns Specimen letter Exercises
Points for attention
保险原先应用于经常是风险大的海运损失。现在 保险已是一个涉及面甚广的项目，牵涉人们的几乎每 一个活动。就外贸而言，保险单上投保的有各种各样 的险别。（Ex P203）
Sentence Patterns
1.to insure W.P.A (F.P.A)投保水渍险（平安险） Please insure F.P.A at your end. 请在贵处投保平安险。 We generally insure W.P.A on C.I.F sales. 按CIF价出售的货物，我们一般投保水渍险。
过错方
the Shanghai Commodity Inspection Bureau 上海商品检验局Байду номын сангаас
amount to
总计
in the absence/presence of
当……不在/在时
at a slightly higher premium
外贸函电-Unit 12 保险
FOREIGN BUSINESS CORRESPONDENCE
Unit 12 Insurance 保险
12.1 Introduction（简介）
目的：掌握如何向保险公司进行投保，以及一旦 发生损失，如何进行索偿。
货物运输保险是指投保人(Insured)在货物装运前向保险人 (Insurer)投保，即办理保险手续(Insurance Formalities)、选 择保险险别(Coverage)、确定保险金额(Insurance Amount)、 支付保险费(Premium)并领取保险单证(Insurance Documents) 的过程。此后，如果投保货物在运输中遇险而发生损失， 则承保人应负责对投保险别范围内的损失进行经济补偿。
（4）
We sincerely hope that our request will meet with your approval.（我们希望此要求能得到你方同 意。）
进一步提
出办理保
险的要求 Please arrange insurance according to our request. （请按我方要求办理投保。）
对该批货物按发票金额的130%投保。）
The policy is being prepared accordingly and will be
forwarded to you by next Tuesday together with our
（3） 说明保险
debit note for the premium.（我方准备将相应的保 单及我方关于保险费的索款通知单，于下周二寄 送你方。
We are pleased to inform you that we have covered
Unit 12 Insurance 保险
12.1 Introduction（简介）
目的：掌握如何向保险公司进行投保，以及一旦 发生损失，如何进行索偿。
货物运输保险是指投保人(Insured)在货物装运前向保险人 (Insurer)投保，即办理保险手续(Insurance Formalities)、选 择保险险别(Coverage)、确定保险金额(Insurance Amount)、 支付保险费(Premium)并领取保险单证(Insurance Documents) 的过程。此后，如果投保货物在运输中遇险而发生损失， 则承保人应负责对投保险别范围内的损失进行经济补偿。
（4）
We sincerely hope that our request will meet with your approval.（我们希望此要求能得到你方同 意。）
进一步提
出办理保
险的要求 Please arrange insurance according to our request. （请按我方要求办理投保。）
对该批货物按发票金额的130%投保。）
The policy is being prepared accordingly and will be
forwarded to you by next Tuesday together with our
（3） 说明保险
debit note for the premium.（我方准备将相应的保 单及我方关于保险费的索款通知单，于下周二寄 送你方。
We are pleased to inform you that we have covered
商务英语函电12Insurance
Risk of Shortage in Weight
On Deck Risk
《商务英语函电》 Unit 12 Insurance
Warm Up
Knowledge Objective
Skill Objective
Insurance covers all damages or loss of the goods in ocean transportation, land
Warm Up
6) Special charge for landing, warehousing and forwarding at an intermediate port of
call or refuge
7) General Average (G/A) sacrifice and G/A expenditure
transportation, and air transportation and provides considerable benefit and financial
Business Situational Design
advantages. In international business, the ocean transportation is the most significant and
with any external substance other than water
4) Any package which totally lost in loading, transshipment or discharge
5) P/A attributed to discharge of cargo at a port of distress
外贸英语函电Unit12
113Unit 12 Urging Establishment of L/CIntroductionⅠ．When shall L/C be opened?It is the usual practice that the letter of credit is to be opened and to reach the sellers 30 days ahead of shipment so as to give the seller enough time to make preparation for shipment,such as making the goods ready and booking shipping space.For prompt shipment,it is advisable that the letter of credit be issued in good time.Ⅱ．Principles of writing letters urging establishment of L/C:No suggestion of annoyance is allowed to be shown in the letter urging establishment of L/C.It is not advisable,except under special conditions,to start off too strongly by blaming the buyer for not executing the contract.The first message sent should therefore be a polite note saying that the goods ordered are ready but the relevant letter of credit has not yet be received.If the first message brings no reply,a second one will be sent.This one, though still restrained,will express disappointment and surprise.114 外贸英语函电教师参考书资料Ⅲ．The following structure is for your reference in writing a letter urging establishment of L/C1．Open the letter in a positive way.For example,in the first paragraph the seller usually informs the buyer that the goods are ready for dispatch or that the shipping space has already been booked.2．Politely push the buyers to open the L/C without delay,either by referring to the stipulations of the contract or by reminding the buyers of the seriousness of not opening the L/C in time. 3．Express expectations and ask the buyers to take immediate action.Chinese Versions of the TextsSample Letter Ⅰ敬启者：我们很高兴地通知你们，你方第TY213号购货合同下的货物已备妥待运。
外贸函电--Insurance管理精品资料
（ⅰ）Particular average loss It is the accidental意外的 damage to part of the cargo. The average (damage) is not caused by deliberate act of a person for the common benefit and that loss must be borne exclusively by the owner of the property suffering the loss and is termed a particular average. 单独海损是指被保险货物遭受海损后，其损失未达到全损程 度，而且是无共同海损性质的部分损失，应由受损方单独承担。
Risks in Cargo Transportation
Risks in cargo transportation are of many kinds. Different risks mean different losses And different risks are covered by different insurance clauses and different insurance clauses mean different premiums保险费 . So we need to have a good understanding of the different risks and losses before we know how to effect insurance. In marine cargo transportation insurance, risks fall into perils of the sea海难 and extraneous risks外来风险.
Risks in Cargo Transportation
Risks in cargo transportation are of many kinds. Different risks mean different losses And different risks are covered by different insurance clauses and different insurance clauses mean different premiums保险费 . So we need to have a good understanding of the different risks and losses before we know how to effect insurance. In marine cargo transportation insurance, risks fall into perils of the sea海难 and extraneous risks外来风险.
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办法
As we understand that as per your customary practice,
you only insure the shipment for 10% above the
invoice value, the extra premium for additional coverage shall be for our account.（我们知道按照你 方的惯例，你方仅对货物发票金额加一成投保， 而附加险的额外保险费将由我方承担。）
We are pleased to inform you that we have covered
the shipment with … against …for …（很高兴告知，
（2） 告知对方
我方已向……办理投保手续，投保……（险别）， 投保金额为……。）
保险条款、
投保险别、Although it is our usual practice to take out insurance
12.2 Writing Skills（写作技巧）
进口方写给出口方请其代办保险信函的写作步骤 及常见表达方式:
写作步骤
表达方式
We wish to refer you to…（请参阅……。）
（1）
说明某合 同项下的 We are pleased to inform you that…（很高兴告
来函 知……。）
附加险(Extraneous Risks)，包括一般附加险、特殊附加 险和特别附加险。
常见的一般附加险有11种，分别为：
(1) Theft, Pilferage and Non-Delivery Risks(简称T.P.N.D.或 TPND)偷窃、提货不着险 (2) Fresh and/or Rain Water Damage Risks淡水雨淋险 (3) Shortage Risk或Risk of Shortage短量险 (4) Intermixture and Contamination Risks混杂、沾污险 (5) Leakage Risk或Risk of leakage渗漏险 (6) Clash and Breakage Risks碰损、破碎险
要求办理 保险的来 We have received your letter of…, asking us to insure
函 the goods for an amount of … % above the invoice value.（我们已经收到你方……日来函，要求我方 对该货物按发票金额加成……%投保。）
对于CIF交易，习惯上由出口方按发票金额(Invoice Value) 的110%投保一切险(All Risks)，即100%是CIF发票总值， 10%是合理的利润和其他费用。有时，进口方要求投保的 金额会超过110%，此时，额外保险费应由进口方承担(For the buyer’s account)。
常见的特殊附加险有2种，分别为： (1) War Risk战争险 (2) Strikes Risk罢工险
常见的特别附加险有6种，分别为：
(1) Failure to Delivery Risk交货不到险 (2) Import Duty Risk进口关税险 (3) On Deck Risk舱面险 (4) Rejection Risk拒收险 (5) Aflatoxin Risk黄曲霉素险 (6)Fire Risk Extension Clause for Storage of Cargo at Destination Hong Kong, including Kowloon or Macao出口到 港、澳地区(包括九龙)的货物存仓火险
等）
We wish to know whether you can issue a special rate for shipments.（我们希望知道贵公司能否对 该货物给予特惠保险费率。）
（3）
We shall appreciate it if the goods could be insured at favorable rate.（如蒙该货物能以优惠保险费率 投保，我们将不胜感激。）
出口方回复进口方请其代办保险信函的写作步骤 及常见表达式：
写作步骤
表达方式
This is to acknowledge receipt of … requesting us to
effect insurance on the shipment for your account.
（1） 确认对方
（收到你方……日来函，要求我方对该批货物代 办保险。）
(7) Hook Damage Risk钩损险 (8) Rust Risk或Risk of Rust锈损险 (9) Breakage of Packing Risk包装破裂险 (10) Sweating and Heating Risks受潮受热险 (11) Taint of Odor Risks串味险
对该批货物按发票金额的130%投保。）
The policy is being prepared accordingly and will be
forwarded to you by next Tuesday together with our
（3） 说明保险
debit note for the premium.（我方准备将相应的保 单及我方关于保险费的索款通知单，于下周二寄 送你方。
We shall of course refund the premium to you upon receipt of your debit note.（当然，一收到你方的还 款通知，我方立即将保险费退还你方。）
（3）
告知保险 费的支付
If you like, you may draw on us at sight for the amount required.（如果你方愿意，你方可以开立一 张该金额的即期汇票向我方索款。）
FOREIGN BUSINESS CORRESPONDENCE
Unit 12 Insurance 保险
12.1 Introduction（简介）
目的：掌握如何向保险公司进行投保，以及一旦 发生损失，如何进行索偿。
货物运输保险是指投保人(Insured)在货物装运前向保险人 (Insurer)投保，即办理保险手续(Insurance Formalities)、选 择保险险别(Coverage)、确定保险金额(Insurance Amount)、 支付保险费(Premium)并领取保险单证(Insurance Documents) 的过程。此后，如果投保货物在运输中遇险而发生损失， 则承保人应负责对投保险别范围内的损失进行经济补偿。
保险金额、for the invoice value plus 10%, we are prepared to
保险单据 comply with your request for getting cover for 130%
等 of the invoice value.（尽管我们的惯例是按照发票
金额110%投保，但是此次我们准备同意你方要求
（4）
We sincerely hope that our request will meet with your approval.（我们希望此要求能得到你方同 意。）
进一步提
出办理保
险的要求 Please arrange insurance according to our request. （请按我方要求办理投保。）
希望对方
同意保险
要求，并 We shall apprciate it if the goods could be insured 盼早日回 at favorable rate.（如蒙该货物能以优惠保险费率
复 投保，我们将不胜感激。）
保险公司回复投保人信函的写作步骤 及常见表达式：
写作步骤
表达方式
的目的 (关于保 险信息或 We write this letter to you in the hope of getting some 要求特惠 information about the special rate of insurance.（特致 保险费率 函，希望获得有关特惠保险费率的信息。）
We have acknowledged receipt of your letter of…and
are pleased to note your readiness to insure with us a
一旦投保货物在运输中发生投保险别范围内的损失， 须向保险公司或其代理人立即提出保险索赔(Insurance Claim)。为了落实货物的正常索赔，保险索赔时需要提 交以下文件：
保险单(Insurance Policy)或保险凭证(Insurance Certificate)
提单(Bill of Lading) 原始发票(Original Invoice) 检验报告(Survey Report) 船长声明书(Master’s Protest) 索赔报告书(Statement of Claim)等
中国人民保险公司（PICC） 制定的中国保险条款(China Insurance Clauses略称C.I.C.)中的海洋运输货物保险条款所 包括的三个基本险别：
平安险(Free from Particular Average，FPA) 水渍险(With Particular Average，WPA) 一切险(All Risks) 除以上三种基本险别外，还有：
（2）
说明所投 保保险的 险别，确 定投保的
金额
Please see to it that the insurance is covered for …% of the invoice value against …（请务必保 证，该批货物投保金额为发票金额的……%，投 保险别为……。）