教案Insurance

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 I

Step One warm-up

Questions:

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 risk

b. 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, or

Macao. 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 FPA

I.C.C协会其他的条款