教案Insurance
Unit 9 Insurance
Insurance
Part One: Teaching Aims & Requirements
1. Help students to learn and master key words, phrases and sentence patterns about insurance 2. Help students to learn how to write a business letter about insurance 3. Help students to learn some additional sentence patterns about insurance 4. Help students to identify various risks covered in foreign trade and grasp the technical or special words used in insurance.
2.投保；办理保险的表达法 to arrange insurance …on the goods against… risk for 110% of invoice value with the insurer 与保险商 就…货物按发票金额的百分之十投保…险 to effect insurance … to provide insurance… to take out insurance… to cover insurance… to insure the goods against a risk to insure a risk to insure against a risk
unit13-Insurance市公开课获奖课件省名师示范课获奖课件
Some usual practice of insurance in the international
trade
• Under the terms of FOB and CFR, the importer is responsible for insurance up to the port of destination.
保险单 保险单号码：118765
兹证明中国轻工产品进出口企业上海分企业向我司投保： 总保险金额：100，000美元整 投保货品：5，000 台“蝴蝶”牌缝纫机 自上海港至纽约港 装载工具：和平轮 启航日期：1996年5月20日 承保险别：一切险
如有损坏，由检验行查勘，在上海理赔。 本保险单一式二份1996年5月7日于上海开具。
Two types of basic and additional risks
• Three types of the basic insurance covers in marine insurance: FPA ( Free of Particular Average), WA (With Average) and All Risks.
Phrases and expressions
➢ insurance▪ insuran来自e clause保险条款
▪ insurance coverage
保险范围/险别
▪ insurance amount
保险额
▪ insurance premium
保险费
▪ Underwriter
保险商
▪ Insurance company
• Under the terms of CIF, the exporter insures the goods.
最新中职商务英语阅读教案：ChapterElevenInsurance
【课题】Chapter Eleven Insurance 【教材版本】【教学目标】知识目标：-什么是保险-保险业的基本介绍能力目标：-将所学保险的相关英语知识运用到阅读理解中-将所学保险的相关英语知识运用到口语表达中【教学重点、难点】教学重点：将所学保险的相关英语知识运用到阅读理解中教学难点：将所学保险的相关英语知识运用到口语表达中教学途径：1．小组讨论教学2．自学练习教学【教学媒体及教学方法】制作PPT。
演示法、讲授法、分组讨论法。
【课时安排】2课时（90分钟）。
【教学过程】第一环节导入（15分钟）活动一: 要求学生小组讨论图片及相关问题提示学生是否知道这些现象活动二：小组抢答练习2，熟悉各种现象的英文名称活动三：小组抢答练习3，熟悉各种现象的英文名称第二环节新授课（50分钟）阅读篇章A[讲解]详细讲解文章的内容列出生词和长难句[演示]教师用幻灯片演示单词和句子[问答]1 What is insurance?2 What is an insurance premium?3 What is the insurer?[问答]根据课文内容，小组抢答练习5Please pick out either the strong point or the weak point of the different kind of the shipment阅读篇章B[自学练习]学生根据课后提供的单词和句子翻译，进行自学阅读练习。
[问答]小组抢答第6题1 Do you know how to classify the Insurance companies?2 What are the differences between Life insurance companies and Property insurance companies?3 What are the differences between mutual company and stock company?[问答]小组抢答第7题第三环节课堂练习（15分钟）[情景模拟]要求学生分组讨论漫画图片，分别用presentation的方式介绍讨论结果第四环节复习小结（8分钟）How to classify the Insurance companies?What is insurance?第五环节布置作业（2分钟）默写第一篇阅读中的核心单词。
Section 17 保险事项Insurance 商务英语 教学课件
• 4. 请注意上述货物须在6月15日前装运，并 按发票金额150%投保综合险。我们知道按 一般惯例，你们只按发票金额110%投保， 因此额外保险费将由我们负担。
• 4. 请注意上述货物须在6月15日前装运，并 按发票金额150%投保综合险。我们知道按 一般惯例，你们只按发票金额110%投保，因 此额外保险费将由我们负担。
• Please see to it that the above-mentioned goods are to be shipped before 15th June and insured against All Risks for 150% of the invoice value. We know that according to your usual practice, you insure the goods only for 110% of the invoice value; therefore, the extra premium will be borne by us.
外贸谈判-insurance课件
Questions-Answers: 1) what the coverage of insurance will the seller buy from the insurance company? 2) What’s the buyer’s opinion for the insurance and why? 3)What’s the buyer’s request for the invoice value covered? 4)who will pay the extra insurance premium according to the seller? 5) Did the buyer agree to pay for the extra premium and why? 6)what is their final decision on the premium? 7) what’s the terms of payment?
Fortuitous Accidents 意外事故
Make a list of natural calamities and fortuitous accidents
Natural Calamities
Fortuitous accidents
hurricane B
earthquake
A
C
lightning
If you need to cover the risk of breakage, it is the buyer’s account to pay for the extra premium
If you join the organization，you must comply with its rules
国际贸易实务6INSURANCE教学文稿
Marine cargo insurance
Basic Risks
FPA, Free from particular average 平安险
WA/WPA, With particular average 水渍险 All risks 一切险
TPND, Theft, Pilferage and Nondelivery Fresh Water/ Rain Damage Shortage TIonttaelrlmosisxotuf rneataunrdalCdoisnasttaemrsi;nation thLeetaoktalgoer partial loss under the aCccliadsehntand Breakage Taint of Odour Hook Damage FSPwA+eaPtaarntidalHloesastoinf gnatural disasters Breakage of Packing WRAu+stGeneral additional risks
Expenses
Sue and Labour Expenses
The person who takes measures must has direct economic interest with the subject matter insured.
Salvage Charge
A third party except the insured or the insurer
Shipper’s Warehouse
Port of shippment
Port of destination (terminate 60 days later after
cargos unloaded )
函电教案 bee改版
台山培英职业技校英语Insurance公开课教案
主讲老师：李彩云上课班级：10英语1班
上课时间：2012年5月17日星期四课题: Unit 11 Insurance （保险）教学目标：1.熟悉商务英语保险函写作中的重要句型和主要步骤
2.学生能根据相应情景运用常用的短语和句型进行保险函的写作
3.培养学生良好的团队精神及独立思考能力
教学重点：1.学习商务英语保险函写作中的重要句型和主要步骤
2.常用的专业短语和句型在保险函的写作中的实际运用
教学方法：讲练结合（实操课）
教学过程：
一、复习
让学生回忆已学的各单元内容，复习外贸业务的一个总流程。
二、导入
1.以图片形式导入新课题内容：Insurance
2.练习：Matching (通过配对练习复习学过的保险种类的英语专业名称)
三、保险范文学习
1.阅读范文，小组讨论，回答两个问题
2.分析范文，总结保险信函的写作步骤
3.学习并总结商务保险信函中的常用专业句型
四、写作操练
1、布置任务：以小组为单位，根据提供的业务背景撰写有关保险事宜的信函
2、学生成果展示，宣读讨论
五、课堂小结
六、作业完成P91-P94的练习
①
保险信函写作评分标准
②。
第12课 保险Insurance
第12课保险Insurance教学目的要求：了解全部损失和部分损失、共同海损和单独海损的含义；熟练掌握本单元相关边缘业务知识、词汇、术语及有用的表达；掌握海上保险的定义、险别；掌握几个概念：保险价值、保险费、保险单和保险凭证。
教学重点与难点：海上保险的险别；保险价值、保险费、保险单和保险凭证的含义。
教学时数：共计2学时（其中理论课2学时，实验课学时，习题课学时，讨论课学时）教学内容与方法：12.1 The Importance of Insurance in Foreign TradeRisks are omnipresent (in the air, on land, in the sea; in loading, unloading or storing). To insure is to provide compensation for losses or damages. Insurance is a contract of indemnity, a contract to restore to someone, either the full amount of the loss that may be incurred, or a specified percentage of the amount of the loss.12.2 The Special Terms in Insurance1.The parties of insuranceunderwriter/insurer/insured/PICC/Lloyd’s/insurance broker/Insurance agent /Insurance beneficiary2.Insurance contractinsurance policy/insurance certificate/combined certificate/open cover/open policy/ICC/CIC Insurable interest/premium3.Calculation of the Value of InsuranceIns value= Cost of goods + Amount of Freight + Premium + a percentage of the total sum representing a reasonable profit on sale of the goodspercentage:= 110-150% of the invoice value4.Some risksPerils of the sea/Natural calamity/fortuitous accident/Extraneous Risksgeneral additional risks:Shortage Risks /Taint of Odour Risks/Clash & Breakage Risks 碰损破碎险/Sweating & Heating Damage 受潮受热险/Rust Risk 锈损险Breakage of Packing Risk 包装破碎险/ TPND/Hook Damage Risks/Fresh and /or Rain Water Damage Risks //(special additional risks)War Risks//SRCC,etc5.Some lossestotal loss/constructive total loss/abandonment/right of subrogation/partial loss/General average/G.A. Contribution/Particular average/sue and labor expenses施救费/salvage expenses救助费/franchise/IOP12.3 The Main Type of Insurance in TradeBasic InsuranceFPA/W.A or W.P.A / All Risks / Ocean marine cargo insurance / Overland(Air) transportation Risks/Parcel Post Risks//ICC A;B;CAdditional InsuranceTPND//Leakage Risk/Taint of Odor Risks/Fresh and Rain Water Damage Risks//FREC,etcSRCC/WAR Risks12.4 Useful expressions1.We thank you for your instructions to arrange the shipment of Fans. We take it that you wish u to insure the good against the usual risks, for the value of the goods plus freight. Unless we hear from you to the contrary, we shall arrange this2.We agree to your request to insure the shipment for 30% of the invoice value, but the premium for the difference between 130% and 110% should be for your account.3.We regret being unable to comply with your buyers’ request to cover the goods against All Risks and War Risk for 150% of the invoice value because our contract stipulates that insurance is to be effected for 110% only.4.Should any damage be incurred, you may, within 30 days after the arrival of the consignment at the port of destination approach the insurance agents at your end and file your claim with them supported by a survey report.课后教学小结：说明保险情况时，insurance后接介词的一般用法：表示所保的货物，后接on,如insurance on the 100 tons of wool;表示投保的险别，后接against,如insurance against all risks;表示保额，后接for,如insurance for 110% of the invoice value;表示保险费或保险费率，后接at,如insurance at a slightly higher premium, insurance at the rate of 5‰;表示向某保险公司投保，后接with,如insurance with the People’s Insurance Company of China.作业布置：Translation1.An insurance claim should be submitted to the insurance company or its agent ASAP so as to provide the insurance company or its agent with ample time to pursue recovery from the relative party at fault.2.We regret to inform you that Case No.8 was invoiced as containing 10 typewriters, eight of which were badly damaged upon arrival. We enclose an inspection certificate issued by the Shanghai Commodity Inspection Bureau and the shipping’s agent’s statement and hope that no difficulty will arise in the settlement of our above claim amounting to US$3000.00.3.In the absence of your definite instructions regarding insurance we covered your ordered goods against W.P.A. for 110% of the invoice value according to our usual practice.4.If you desire to cover your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.教学后记：此次课上半堂纪律较差，有数位同学交谈不认真听课。
LESSON 11 INSURANCE
Basic words and phrases
insurance slip 投保单 insured amount 保险金额 insurance clause 保险条款 to cover (effect,arrange, take out) insurance 投保
Company Logo
Company Logo
13.The insurance rate for such kind of risk will vary according to the kind. 这类险别的保险费率将根据货物种类而定。 这类险别的保险费率将根据货物种类而定。 14.Can you give me an insurance rate? 您能给我一份保险率表吗？ 您能给我一份保险率表吗？ 15.Could you find out the premium rate for….? 您能查一下…..的保险费率吗？ 的保险费率吗？ 您能查一下 的保险费率吗
LOGO
LESSON 11 INSURANCE
Contents
1 2 3 4
Basic words and phrases
Insurance Coverage
Basic sentences
Funny works
Company Logo
Basic words and phrases
insure 保险；投保；保证 保险；投保； insurance 保险；保险费； 保险；保险费； insurance company 保险 公司 insurer 保险人 insurance coverage; risks covered 保险范围
Company Logo
10.Please fill in the application form. 请填写一下投保单。 请填写一下投保单。 11..What risks is the People‘s Insurance Company of China able to cover? 中国人民保险公司承保的险别有哪些？ 中国人民保险公司承保的险别有哪些？ 12.. What risks should be covered? 您看应该保哪些险？ 您看应该保哪些险？
UNIT 8 INSURANCE
三、买方要求加投附加险
• W.P.A coverage is too narrow for a shipment of this nature， please extend the coverage to include TPND. 针对这种性质的货物只保水渍险是不够的，请加 保偷盗提货不成险。 • Why don't you wish to cover Risk of Breakage？ 您为什么不想投保破碎险呢？ • Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage？ 您不想保水渍险和附加破碎险吗？ • I know that F.P.A insurance doesn't cover losses on consumer goods. 我知道平安险不包括消费品的种种损失。
• Free from Particular Average is good enough. 只保平安险就可以了。 • The goods are to be insured F.P.A. 这批货需投保平安险。 • I'll have the goods covered against Free from Particular Average. 我将为货物投保平安险。 • The coverage is W.P.A. plus Risk of Breakage. 投保的险别为水渍险加破碎险。 • These kinds of risks suit your consignment. 这些险别适合你要投保的货物。
七、健康保险： 健康保险：
• Please tell me whether I need to purchase a foreign student policy. 告诉我是否我需要购买外国学生保险。 • Will you please tell me where I can purchase health insurance？ 请告诉我在何处能买到健康保险？ • I'd like to know whether basic health insurance coverage should include benefits for outpatient， hospital， surgery and medical expenses. 我想知道基本健康保险所列的项目是否应包括医 院门诊，住院，手术及药品等费用的赔偿。
外贸函电教案9 .Insurance
1.导入法
Leading in
1. Insurance is defined as financial protection against loss or harm. It is an arr angement by which a company gives customers financial protection against loss,
erent costs. The buyer and the seller must decide on which policies are most
第2页共4页
beneficial.
The coverage is usually placed at 110 percent of the CIF (cost, insuran ce, freight) or CIP (carriage and insurance paid) value. Notice that the value is more than that of the goods. This is because of extra costs in filing clai
教学方法
Interactive teaching, reading, translation, discussion, questions & answers
I. Revision, Leading In
II. Detailed Study of Related knowledge and specimen letters
。
Particular Average
Peril on the Sea
Sea Water Damage
TPND (theft, pilferage, non-delivery)
Lesson 15 Insurance(1)_2分解
Predict: make a prediction about; tell in advance; indicate by signs
敦的新家。
She is expected to move into her new home in London within weeks following refurbishment and redecoration work.
房间的重新装修花了他300美元。
The redecoration of the room costs him 300 dollars.
Enterprise: a purposeful or industrious undertaking (especially one that requires effort or boldness); an organization created for business ventures; readiness to embark on bold new ventures
funds contributed by (devoted by, given by) all
members who transferred risk. Those who
transfer risk are called insureds/assured. Those who assume (承担) risk are called
Gut:empty completely; destroy the inside of; remove the guts of
(如用火等)毁坏…的内部；破坏…的主要力量；抽去( 书籍等的)主要内容
大火烧毁了建筑物的内部，只留下断壁残墙。
Fire gutted the building and left only the brick wall standing.
Unit 13InsurancePPT教学课件
During this process it is quite possible that the goods will encounter various kinds of risks and sometimes suffer losses. In order to protect the goods against possible loss in case of such risks, the buyer or seller before the transportation of the goods usually applies to an insurance company for insurance covering the goods in transit.
For transactions concluded on CIF basis, we usually effect insurance with PICC against All Risks, as per Ocean Marine Cargo Clauses of PICC dated the 1 January, 1981. Should you require the insurance to be covered as per Institute Cargo Clauses (ICC) we would be glad to comply but if there is any difference in premium between the two it will be charged to your account.
The insurance value is calculated as: cost of goods + amount of freight + insurance premium + a percentage of the total sum to represent a reasonable profit on sale of the goods.
Unit7Insurance（2）
Unit7Insurance（2）Unit 7 Insurance（2）Teaching Objectives1.To develop the students’ listening skill.2. To train the students’ ability to grasp the knowledge about how to explain insuranceterms, renew the insurance and to discuss insurance compensation.3.To give the students more chances to talk about something in relation to what theyhave heard on the tape.4.To develop the students speaking skill.The important and difficult pointsTo familiarize the students with how to use the language they learn to practice the activities in relation to explaining insurance terms, renewing the insurance and discussing insurance compensation.Teaching Time4课时（180分钟）Teaching steps:Lead-in1) To learn the new words and expressions in this unit.The important words and the phrases:responsibility n.责任responsible adj.有责任的range n.范围transportation n.运输indicate v.指出，简要地说明compensate v.偿还，补偿calamity n.灾难contingency n.意外事故maritime adj.海上的responsibility range 责任范围be responsible for为……负责detail n.细节adjust v.调整accordingly adv.因此，从⽽increase v.增加premium n.保费claim v ．& n.索赔make a shipment 装船，出货the declaration form 申报单point out 指出take ．．．into consideration 考虑porcelain n.瓷器packaging n.包装convey v.搬运crane n.起重机undertake v.从事，进⾏investigation n.调查inspector n.检验员principle n.原则indemnity n.赔款judge from 从……来判断have nothing to do with 与……⽆关exporting principle 出⼝原则2) Ask the students to discuss the lead-in activity in their books.7-1 Explaining Insurance TermsThis part is designed to make the students learn how to explain insurance terms and grasp the words and expressions about it.Teaching steps1. Pre-listening tasks1) Useful sentences and information（1）In particular ，it indicates that the insurance company will be responsible for compensating all losses caused by natural calamity and contingency in transportation ．确切地说，是指投保货物在运输途中由于⾃然灾害和意外事故造成的全部损失，保险公司负责赔偿。
Unit 2 Insurance[6页]
![Unit 2 Insurance[6页]](https://img.taocdn.com/s3/m/012ea2cf5727a5e9846a6157.png)
3.In-depth reading
Background Information
Reading for thegeneral ideal
---25 minutes
1.Warm-up
Before startingthis unit, teachers are suggested tochoose some or all ofthe following questionsto ask students:
教学重点及难点
1.the definition and the purpose of insurance and the types of it;
2.thenewwords and phrases inthe Part of Warm up and Listening & Speaking;
3.themain idea of the reading passage in In-depth Reading.
insurance policy holder, insurer, premium, insured person, collision, theft,hospitalize, revenue, straightforward, pop-up ads;
5.toknow the main idea of the reading passage in In-depth Reading.
(1)What is insurance according to your understanding?
(2) What is the purpose of insurance in international trade?
商务英语insurance教案PPT课件
For transactions concluded on CIF basis, we usually effect insurance with the People’s insurance Company of China against All Rrisks , as per Ocean Marine Cargo Clauses of the People’s Insurance Company of China dated 1January ,1981. Should you require the insurance to be covered as per Institute Cargo Clauses we would be glad to comply but if there is any difference in premium between the two it will be charged to your account .
5. We shall arrange insurance on your behalf. 我们将代你方投保。
6. We have covered insurance on 1000 cases of Qingdao Beer for 110% of the invoice value against risks. 我们已将一千箱青岛啤酒按发票金额的百分之一十投保一切险。
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外贸函电课程教案课题：Insurances课时：周次：授课日期：地点：授课方式及手段：Lecturing, Task-based approach, Questioning, Discussion, Practicing…教学目标：After studying this part, the students are able to:1、To learn the different kinds of risks of insurance.2、To learn useful expressions on insurance.3、To practice writing letters of insurance.教学重难点：1、To learn some knowledge related to insurance.2、To learn useful expressions on insurance.3、To learn how to write letters of insurance.教学过程与内容：Part IStep One warm-upQuestions:1.Is insurance important?2.How much do you know about insurance?Step Two Presentation●The importance of insurance:Insurance is very closely related to foreign trade. People in the international trade should have a thorough knowledge of it and the ability to handle its problems. Insurance was originally applied to losses at sea, where risks were always great, but it is not provided to cover(投保) almost any kind of occurrence (不幸事件) that may result in loss. As a large percentage of our trade in and out of this country goes by ship, what mainly concerns us is still the Marine Insurance. (海运险，水险)●Knowledge related to insurance (p234, p236--238,254)★Risks for marine insurance 海上运输货物保险的风险(一)perils of the sea 海上风险1.natural calamity (natural disasters) 自然灾害2.fortuitous accidents 意外事故(二)extraneous risks 外来风险1.general extraneous risks 一般外来风险：雨淋、短量、偷窃、玷污、渗漏等2.special extraneous risks 特殊外来风险：战争、罢工等★Losses and Expenses 损失和费用（一）Losses and expenses of the sea 海上损失和费用1.total loss （全部损失）: a. actual total loss 实际全损b. constructive total loss 推定全损2.partial loss (部分损失) a. general average (G.A) 共同海损b. particular average 单独海损3.expenses (费用) a. sue and labor expenses 施救费用，损害防止费用b. salvage charges 救助费用（二）Losses of extraneous risks 外来风险的损失★China Insurance Clauses (C. I. C.) 中国保险条款1. According to Ocean Marine Cargo Clause 《海洋运输货物保险条款》, three basic perils coverage are as follows:FPA, WA, and All Risks.Free from Particular Average (FPA) 平安险With Particular Average (WPA) 水渍险(principle risks) 基本险All Risks (AR) 一切险2. Additional Risks （extraneous risks ）附加险general additional risks: (外来风险造成的全部或部分损失，有11种)a. clash and breakage 碰损、破碎险b. taint of odor 串位险c. fresh water and / or rain damage 淡水雨淋险d. theft, pilferage and non-delivery （T. P. N. D）偷窃，提货不着险e. shortage 短量险f. leakage 渗漏险g. intermixture and contamination 混杂、玷污险h. hook damage 钩损险i. rust 锈损险j. sweat and heating 受潮受热险k. breakage of packing 包装破裂险special additional risks 特殊附加险，有8种a. war riskb. strike risk 罢工险strike, riots and civil commotions 罢工暴动民变险(SRCC)c. on deck 舱面险d. aflatoxin 黄曲霉素险e. rejection 拒收险f. failure to delivery 交货不到险g. import duty 进口关税险h. fire risk extension clause, F. R.E.C. –for storage of cargo at destination Hongkong, including Kowloon, orMacao. 货物出口到香港（包括九龙）或澳门存仓火险责任扩展条款★Institute Cargo Clause (I.C.C) 由英国伦敦保险业协会所制定的《协会货物条款》I.C.C （A）（B）（C）C.I.C All Risks WA FPAI.C.C协会其他的条款4) Institute War Clauses协会战争险条款5) Institute Strike Clauses协会罢工险条款6)Malicious Damage Clause 恶意损害险★Some terms used on insurance:◎parties: insurer/ underwriter: insurance companies (保险人，承保人)the insured: 被保险人（是否是投保人）◎exclusions: 除外责任（即不保的方面/范围）：not cover losses ,damages and expenses caused by delay or inherent vice. (不保因延误或货物内部缺陷所造成的损失、损坏和费用)◎W/W Clause: warehouse to warehouse clause 仓至仓条款（保险责任起讫期限）◎franchise: 免赔率◎the People’s Insurance Company of China 中国人民保险公司(PICC)◎insurance value/amount 保险金额◎insurance premium 保险费◎insurance rate 保险费率◎double insurance 双保险◎insurance policy/ certificate 保险单/凭证◎open policy 预约保险单◎insurance agent 保险代理◎to cover/effect/arrange/take out insurance 办理保险，投保◎surveyor 鉴定人，检验员，公证人Step Three RevisionAsk the students to say something about the terms related to insurance.Part IIStep One Warm up for Lesson 33Questions:1.Who writes the letter? The seller.2.What question does the buyer ask? Insurance.3.How does the seller reply to?All Risks: can provide such coverage at a slightly higher premium.Breakage; charge an extra premium. Franchise is 5%.Value to be insured: for 10% above invoice value.Step Two Presentation for Lesson 33About the letter: The seller receives a letter from the buyer, asking for insurance. The seller gives him a reply. In his letter, he states clearly about insurance from the following aspects: all risks, breakage, value to beinsured.1. insurance:句式：cover (arrange/ effect/ provide/take out) + insurance + on goods(order/contract) + against risks + for (at) insurance amount + at premium or rate of premium + with [in]an insurer 就…(货物)向…(保险商)按…%的保险费率投保…（险别）a. Have you taken out insurance for us on the goods?b. We have covered insurance on the 100 metric tons of wool for 110% of the invoice value against all risks.c. We have covered insurance on the 400 cases of medical instrument for 110% of the invoice value against all risks with PICC.d. We will arrange (effect) insurance on your behalf. 我们愿代你方投保。