外贸函电保险例文及句子--Insurance

Insurance Contract(保险合同 保险合同) 保险合同 1.Definition (1)保险合同是投保人与保险人约定保险权利义务关系的协议 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer. (2)投保人——the applicant 是指与保险人订立保险合同 订立保险合同，并按照保险合同负有支付保险费 支付保险费义务的人。 订立保险合同 支付保险费 An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract. (3)保险人——the insurer 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.
(3)赔偿原则 赔偿原则—— Indemnity 赔偿原则 保险金额不得超过保险价值；超过保险价值的，超过的部分无效。 The sum insured shall not exceed the insured value of the subject matter of the insurance, and any portion exceeding the insured value of the subject matter of the insurance is null and void as a matter of law.
Unit Twelve Insurance
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.
Natural Calamities
Heavy weather
lightening
earthquake
Volcanic eruption
tunami
Fortuitous accidents
fire
explosion
collision
stranded
sunk
grounded
Part 1. Perils and Losses in Ocean Transportation
Perils of the sea: natural calamities: heavy weather, lightening, earthquake, volcanic eruption and so on. fortuitous accidents: fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external object other than water
(4)被保险人——the insured 被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人 其财产或者人身受保险合同保障， 其财产或者人身受保险合同保障 享有保险金请求权的人，投 保人可以为被保险人。 The insured refers to anyone whose property or person is protected by the insurance contract and who is entitled to claim for compensation. An applicant may be the insured. (5)保险标的——The subject matter 保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。 The subject matter of the insurance refers either to the property of the insured and related interests associated therewith, or to the life and the body of the insured, which is the object of the insurance. (6)保险利益—— insurable interest 保险利益是指投保人对保险标的具有的法律上承认的利益。 An insurable interest refers to the interest which the applicant has in the subject matter of the insurance and is recognized by laws. (7)保险事故——insured event 保险事故是指保险合同约定的保险责任范围内的事故。 An insured event refers to an event falling within the scope of cover under the insurance contract.
7.2 Fundamental Principles of Cargoes Insurance（保险的基本原则） (1)保险利益原则 保险利益原则—— The insurable interset 保险利益原则 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. 投保人对保险标的不具有保险利益的，保险合同无效。 An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the 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.
2. Extraneous risks 外来风险 Extraneous risks refer to risks outside perils of the sea. （1）General extraneous risks 一般外来风险 General extraneous risks include theft, breakage, leakage, contamination, sweat and heating(受潮受热), taint of odor(串味), hook damage(钩损), shortage(短量) and rust(锈损)
Perils and risks风险
1.Perils of the Sea海难/海上风险 (1) Natural calamities海上发生的自然灾害 (2) Fortuitous accidents意外事故 2.Extraneous risks外来风险 (1) General extraneous risks (2) Special extraneous risks
风险： risks, perils
total loss
ቤተ መጻሕፍቲ ባይዱ
损失：losses
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 险别包括的风险 风险所造成的损失 损失和发生的费 险别 风险 损失 用承担赔偿责任，所以在保险业务中风险 损失 险别 风险、损失 险别三者有着 风险 损失和险别 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)保险金额——the insured sum 保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。 The sum insured refers to the maximum amount which the insurer undertakes to indemnify or pay under its insurance obligation. (10)保险费——the premium 保险费是指投保人向保险人支付的保险合同规定的费用。 The premium refers to the charge that the applicant pays to the insurer as specified in the insurance contract. (11)保险价值——insured value
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.
(2)最大诚信原则 最大诚信原则—— The Utmost Good Faith 最大诚信原则 订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标 的或者被保险人的有关情况提出询问，投保人应当如实告知。 The insurer shall, prior to the conclusion of an insurance contract, explain the contract terms and conditions to the applicant and may inquire about the subject matter of the insurance or person to be insured. The applicant shall make a full and accurate disclosure.