商务英语函电chapter10

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,LOGO,*,*,Insurance,Chapter 10,保险,商务英语函电,LOGO,*,商 务 英 语 函 电,新国标应用型本科商务英语系列教材,主编 肖辉,学,习,内,容,了解保险的定义和分类,2. 了解保险信函的写作原那么,3. 掌握保险信件的写作步骤,Learning Content,章,节,简,介,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局部金额。保险合同通常用保险单的形式，是承担风险的一方承保人和寻求防御风险的一方投保人两者之间的一种合同。假设投保的风险发生了，承保人为报偿投保人所付的保险费，同意付给投保人一笔规定的金额或一局部金额。保险费是按投保金额的百分之几计算的，也就是投保人所付的钱。,按照中国人民保险公司海洋运输货物保险条款，该公司的根本保险单承保的海运主要险别有：a. 平安险Free From Particular Average FPA b. 水渍险With Particular Average WPA c. 一切险All Risks 保险金额的计算是：货物本钱+运费+保险费+代表货物出售后的合理利润的总金额的百分之几。,Brief Introduction,章,节,简,介,对于CIF的交易，根据中国人民保险公司海洋运输货物保险条款，我们通常按发票金额的110%投保险。有时候买户要求投保的金额超过110%。在这种情况下，额外保险费将由买户负担。,保险信函的写作步骤如下：,1. 提示合同、货物等；Mentioning the contract，goods，etc.情景搭配用语：Useful expressions We refer you to Contract No.关于第号合同 Referring to.关于 With regard to (with reference to). our Contract.关于我们合同,2. 提出具体保s险要求及理由；Suggesting the term of payment and the reason情景搭配用语：Useful expressions As.we shall be glad if you.因为如果你我将不胜感谢 As you know, .we suggest.你知道我们建议 Owing to.we would appreciate it if you.由于如果我们将不胜感谢,Brief Introduction,章,节,简,介,3. 希望对方同意并希望对方尽早发货。Wishing the reader to accept and ship the goods early,情景搭配用语：Useful expressions, We wish you can accommodate us in this respect.希望你方在此方面给予照顾。, We hope to receive your favorable reply.希望收到你方早日答复。,卖方保险信函写法：,1. 说明收到信函；Stating that you have received their letter,情景搭配用语：Useful expressions,略。,Brief Introduction,章,节,简,介,2. 说明自己的意见同意或不同意及其理由；Giving your reply of agreeing or refusing and your reasons,情景搭配用语：Useful expressions, We agree to.我们同意, We want to make it clear that.我方想澄清一点, With regard to. we regret being unable to accept.关于很遗憾不能承受,3. 说明会立即发货等。Stating the goods will be sent soon, etc.,情景搭配用语：Useful expressions, We sincerely hope that we can.诚挚地希望我们能, We have insured the goods.我们已经为货物投保,Brief Introduction,认真阅读以下保险业务咨询函，注意投保金格、货运公司名称、装运发货时间。,Dear Sir or Madam,We will shortly have a consignment of car rear mirrors, valued at US$26,000 CIF Boston, to be shipped from Shanghai by a vessel of Oriental Liners Ltd.,We wish to cover the consignment against all risks from our warehouse to the above address to the port of Boston. Will you please quote your rate for 110% of full invoice value,As the vessel will sail from Shanghai on 23 April, we hope to have your reply as soon as possible.,Yours faithfully,Kate White,分项学习,Detailed Study,点评：出口商有一批货要经海运到美国波士顿，于是致函保险公司询问投保一切险的费率。信中说明了投保金额、货运公司名称、装运发货时间，希望保险公司尽快回复。,参考译文：,敬启者：,我公司即将有东方航运公司从海上装运一批汽车后视镜，价值CIF波士顿26000美元。,请报从我公司仓库到波士顿，按发票金额的110%投保“一切保险金的保险费率，好吗？,由于该货轮将于4月23日从上海起航，希望尽快收到你们的答复。,谨上,凯特怀特,请问在以下保险业务回复函中，保险代理人就投保人的咨询如何做了礼貌地回复？,Dear Sir or Madam,Thank you for your letter of 30 March in which you enquired about CIF insurance for car rear mirrors. We are pleased to learn about that you would like to insure with us provide you with the information as follows.,The insurance rate now being charged by PICC for the above shipment against ALL RISKS is 3.5% subject to your own Ocean Marine clauses, copies of which are enclosed for your reference.,If you are satisfied with the rate, please let us know the details of your shipment so that we may issue our policy accordingly.,Please give me a call if you have any questions.,Yours sincerely,Kate White,点评：保险代理人就投保人的咨询做了礼貌地回复。按照该公司现行的海洋货物保险条款，说明了承保“一切险的费率。最后希望对方确定投保，有问题 联系。,参考译文：,敬启者：,感谢你方3月30日的来信，就信中你们询问汽车后视镜波士顿CIF价目保险一事，我们很荣幸地向你方提供如下信息。,按中国人民保险公司公布的海洋运输条款，对于以CIF成交的货物，承保一切险的费率是3.5%，现附上上述条款以供参考。,如果贵公司对此费率满意，请告知货运的详细情况，以便我够公司据此出具保险单。,有任何问题请与我 联系。,谨上,凯特怀特,认真阅读以下 进口商请出口商代为投保的信函，注意一些重要的信息：如关于订单号，按发票金额的110%投保一切险，保险费退换。,Dear Sir or Madam,We wish to refer you to our order NO.5011 for 2,000 womens silk blouses, from which you will see that this order is placed on C&F basis.,As we now desire to have the shipment insured at your end, we shall be pleased if you could arrange to insure the goods on our behalf against all risks for 110% of the invoice value.,We shall, of course, refund the premium upon receipt of your sight draft drawn upon us for the amount required.,We sincerely hope that our request will meet with your approval.,Yours sincerely,Kate White,点评：这是买方进口商发出的要求卖方出口商代为投保的信函。信中说明了订单号，要求对方按发票金额的110%投保一切险。收到对方开出的即期汇票后，进口商会将保险费退还。,参考译文：,敬启者：,请查看我方订购的2000件女士真丝衬衣的5011号订单，这批货是按CIF价订购的。,我们现在想把这批货在你处保险。如果你能代我们按发票金额的110%投保一切险，我们将很快乐。,收到你方开出的即期汇票后，我们即可将保险费退还。,希望你们能同意我们的要求。,谨上,凯特怀特,以下信函中，出口商是如何通知进口商保险手续已办理的？,Dear Sir or Madam,Thank you for your letter of March 30, requesting us to effect insurance for 2,000 silk blouses for your account.,We are pleased to confirm having covered the above shipment with the Peoples Insurance Company of China against all risks for 110% of the invoice value. The policy is being prepared accordingly and will be forwarded to you by the end of this week together with our debit note for the premium.,For your information, these goods will be shipped on “Sunrise vessel sailing on or about the April 20.,Yours sincerely,Kate White,点评：这是卖方出口商通知买方进口商已投保的信函。信中说明了投保情况，如保险公司、险种、金额，已按发票金额的110%投保一切险。收到索款通知后，进口商会支付保险费。最后，出口商将货船起航日期告知对方。,参考译文：,敬启者：,我们已收到你方3月30日要求我方代办5011号订单保险手续的信函。,现通知你方，我们已为这批货物向中国人民保险公司投保了“一切险，投保金额为发票金额的110%，相应保单已经准备好，并已在周末与保险费索款通知单一起寄给你方。,另外，本批货物将在4月20日由“日出号货轮装运发出。,谨上,凯特怀特,在以下信函中，投保人是如何写信要求调整保险费率及金额的？,POLICY NO. F 365108,Dear Sir or Madam,Thank you for your letter of 20 August quoting rates for insurance cover for stock stored in our warehouse in Liverpool. However, I should be obliged if you would review the rate of premium under the above fire policy.,As I talked to you on the phone, I feel that not enough weight has been given to the following conditions when the present rate was fixed:,1. The warehouse is not artificially heated.,2. No power of anything is used inside the rooms.,3. All rooms are provided with automatic fire alarms and fire extinguishers.,4. We take out insurance covering regular monthly shipments from you.,When taking these conditions into account, I believe the present rate of premium seems to be unreasonably high. I hope you could reduce it so as to make it in line with extent of the risk insured under the policy.,I look forward to hearing from you soon.,Yours sincerely,Kate White,点评：保险人告知保险费后，投保人觉得费率过高，于是在 商讨之后又写信给对方，要求降低保险费率。信中列举了4条利于降低保费的条件，供对方参考。例如：仓库已配备灭火设备；甚至该公司定期向该保险公司投保货运险等，言下之意即是应当作为重点客户予以优惠。,参考译文：,尊敬的琼斯先生：,感谢您8月20日的来函，告知我方利物浦仓库货物的投保保费率。但是，如果您能重新考虑一下该保单下火险投保费率，我方将不胜感谢。,如我在 中和您谈到的那样，我方认为贵公司决定此费率时，以下因素没有引起足够的重视：,1. 该库房没有加热设备。,2. 房间内没有配备任何电源。,3. 所有房间都配有自动火警报警器和灭火器。,4. 我们每月定期在你处购置货运险。,当以上因素被考虑在内时，现行保险费率似乎太高了。希望您能减少费率使之与该保险单承担的风险相对应。,希望尽快收到您的回复。,谨上,凯特怀特,认真阅读个人保险如何申请的？,A,Dear Sir or Madam,I shall be working in Egypt for 6 months from January to June 2021.,Please let me know the terms and conditions on which you would issue a policy to cover loss of and damages to baggage and other personal property. I would also like to consider cover against the personal accident and illness, and should be glad if you would send me particulars.,I hope to hear from you soon.,Yours faithfully,Kate White,认真阅读保险公司给个人保险申请的回复函有哪些要点？,B,Dear Mr. Wright,Thank you for your letter of 7 December regarding insurance to cover your stay in Egypt for six months.,We are delighted to enclose a leaflet stating the terms and conditions of the insurance for both personal property and injury and illness, and also a personal form. The cover for injury and illness extends to the full cost of medical and hospital treatment and of any special arrangement that may be necessary for your return home.,Please complete and return the personal form by 24 December at the latest, so that we can be sure of issuing the policy in time.,Yours sincerely,Kate White,点评：到国外工作、度假时经常会考虑购置个人财产损失险和意外险，例文A就是去国外工作时考虑购置财产险和意外、医疗险而向保险代理咨询的信函。例文B就A的咨询进展了回复。回函中附上了保险申请表，便于投保人填写寄回，保单及时生效。,参考译文A：,敬启者：,我将在2021年1月至6月赴埃及工作六个月。,请告知投保个人财产损失险的条件和细那么。同时我也考虑购置个人意外险和医疗保险，如您能寄来详细资料，本人将不胜感谢。,希望尽快收到您的回复。,谨上,凯特怀特,参考译文B：,瑞特先生，您好！,感谢您12月7日的来信，向我们咨询有关去埃及工作的保险事宜。,我们很快乐地给您随信附上个人财险、意外伤害以及医疗险的详细条款以及保险申请单。保险涵盖由于意外伤害和疾病入院的全额门诊及住院费用的报销，以及所有平安返家所必需的安排费用。,请将保险申请单填好并最迟于12月24日寄回，便于保单及时生效。,谨上,凯特怀特,常用句Useful Senlonces,I. 要求投保：,1.Please quote your lowest All Risks rate for shipment of . to.请告知运送至投保一切险的最低费率。,2.We should be glad if you would provide cover of $ . on ., in transit from . to.如果你方能为货物名称提供从至美元的保险，我们将很快乐。,3.We wish to renew this policy for the same amount and on the same terms as before.我们希望依照以前的条款，续签一样金额的保单。,4.Please inform us on what terms insurance can be arranged.请告知我方签订此项保险的条款。,5.We wish to have the consignment covered against All Risks and leave the details to you.我方希望为寄售货物投保一切险，具体事项由你方安排。,6.We shall be glad to receive your certificate of insurance as soon as possible.如能尽快收到贵方签发的保险证书，我方不胜感谢。,7.Please quote your rate for 110% of full invoice value.请告知按发票金额的110%投保“一切险的保险费率。,8.I should be obliged if you would review the rate of premium under the above fire policy.如果您能重新考虑该保单下火险投保费率，我方不胜感谢。,9.Please let me know the terms and conditions on which you would issue a policy to cover loss of and damage to personal property.请告知投保个人财产损失险的条件和细那么。,10.Insurance is to be effected by the sellers on behalf of the buyers for 110% of the invoice value against All Risks, the premium is for the buyers account.由卖方代买方按发票金额的110%投保“一切险，保费由买方负责。,11.We look forward to receiving the policy within the next few years.我们期盼在几天内收到保险单。,12.Thank you for your letter of . we are pleased to quote below our terms for arranging cover for .感谢您的来信，以下是我方有关保险的条件。,13.The insurance rate now being charged by PICC for the above shipment against All Risks is . subject to our own Ocean Marine clauses, copies of which are enclosed for your reference.根据中国人民保险公司公布的海洋运输条款，承保“一切险的费率是，现附上上述条款供参考。,14.We have covered the above shipment with the Peoples Insurance Company of China against All Risks for 110% of the invoice value.我们已为这批货物向中国人民保险公司投保了“一切险，投保金额为发票金额的110%。,15.If the buyer wishes the insure against additional risks, the extra premium shall be borne by the buyer.如果买方要求投保附加险，额外保险费由买方承担。,16.In reply to your inquiry of May 25, we wish to quote you the rate of Marine Insurance at . % on the shipment referred to in your letter.回复你方5月25日的来信，我们对你信中提及的货物海运保险费率报价是%。,17.The premium will vary according to the types of goods and the circumstances.保险费率根据货物类别和具体情况会有所不同。,18.According to your instructions to insure, we have taken out marine insurance for 300,000 Yuan on your refrigerator shipment.根据您的投保指示，我们为您的冰箱投了30万元的海运险。,19.Please pay the premium by check into our account.请以支票的方式支付保险费到我们的账户。,20.Health insurance is merely a means by which people pool money to guard against the sudden economic consequences of sickness or injury. 安康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。,21.In the insurance business, the term “average simply means “loss in most cases. 在保险业中“average一词一般是“海损的意思。,22.Insurance brokers will quote rates for all types of cargo and risks. 保险经纪人会开出承保各类货物的各种险别的费用。,23.Its important for you to read the “fine print in any insurance policy so that you know what kind of coverage you are buying. 阅读保单上的“细那么对你是十分重要的，这样就能知道你要买的保险包括哪些工程。,24.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条件，所保的终究包括哪些险别？,25.Mr. Zhang met Mr. William in the office of the Peoples Insurance Company of China. 张先生在中国人民保险的公司接待了威廉先生。,26.Not every breakage is a particular average. 并不是所有的破碎险都属于单独海损。,27.Please fill in the application form. 请填写一下投保单。,28.The coverage is W.P.A. plus Risk of Breakage. 投保的险别为水渍险加破碎险。,29.The extent of insurance is stipulated in the basic policy form and in the various risk clauses. 保险的范围写在根本保险单和各种险别的条款里。,30.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。,31.The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance. 我们所收取的费率是很有限的。当然，保险费用要根据投保范围的大小而有所不同。,32.The underwriters are responsible for claims 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。,33.Then “all marine risks means less than “all risks. 那么，一切“海洋运输货物险意味着比“一切险范围小一些。,34.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。,35.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。,36.What is the insurance premium 保险费是多少？,37.What kind of insurance are you able to provide for my consignment 贵公司能为我的这批货保哪些险呢？,38.What risks is the Peoples Insurance Company able to cover 中国人民保险公司承保的险别有哪些？,39.You should study not only the benefits of but also the terms and limitations of an insurance agreement that appears best suited to your needs. 你不仅要研究各种保险所标明的给予保险人的赔偿费用，还要研究它的条件与限制，然后选出最适合你需要的一种。,40.For the sake of safety, we recommend you to cover insurance for shipment against All Risks and War Risk. 为平安起见，我方建议贵方为此批货物投保综合险和战争险。,41.Generally we cover insurance against W.P.A. and War Risks in the absence of definite instructions from our clients. 一般来说在未收到客户的明确指示时，我方投保水渍险和战争险。,42.As the date of shipment is drawing near, please advise us the type of insurance you like to cover as soon as possible so that we can affect the shipment without delay. 随着装船日期的临近，请尽快告诉我方贵方需要投保的类别，以便我方及时装船。,43.Thank you in advance for informing us of your insurance rates as soon as possible. 请尽快将贵公司的保险费率告知我方，我方在此预谢。,44.Should any damage be incurred, you may, within 30 days after the arrival of the consignment, approach the insurance agent at your end raise a claim with him to be supported by a survey report. 如货物发生损坏，贵方可以在货物抵达后30天内凭检验报告与你处保险代理取得联系并提出索赔。,II.,1.We leave the insurance arrangements to you but we wish to have the goods covered against All Risks.,我们将保险留给你方办理，但我们希望为货物投保一切险。,2.Please quote your lowest All Risks rate for shipments from Shanghai to Boston.,请报上货物从上海到波士顿投保一切险的最低费率。,3.As requested, we have covered insurance for the shipment against FPA and TPND for the invoice cost plus 20% up to the port of destination.,按照要求，我们已为货物投保平安险和偷窃、提货不着险，保险金额为发票金额加,20%,，保险范围一直到目的地为止。,4.Since the premium varies with the extent of insurance, extra premium is for the buyers account, should additional risks be covered.,保险费与保险范围相关，如果要投保额外的险别，额外的保险费由买房负担。,5.Breakage is a special risk, for which an extra premium will have to be charged.,破碎险是一种附加的险别，需收取额外的保险费。,6.We shall of course refund the premium to you upon receipt of your debit note.,当然，收到你方的还款通知后，我们将立即退还保险费。,7.Please see to it that the above mentioned goods should be shipped before the 20th May and that shipment should be covered for 130% of the invoice value against All Risks.,请注意上述货物必须在,5,月,20,日前装运并且应为货物投保一切险，保险金额为发票金额的,130%,。,8.An insurance claim should be submitted to the insurance company or its agents within 30 days after the arrival of the consignment at the port of destination.保险索赔应在货物到达目的港30天内提交给保险公司或其代理人。,9.The cargo is to be insured as per warehouse-to-warehouse clauses.货物将按“仓至仓条款投保。,10.In the absence of definite instruction from our clients, we generally cover insurance against WPA and War Risks; if you desire to cover FPA, please let us know in advance.在没有客户明确的指示前，我们一般为货物投保水渍险和战争险；如果你方想投保平安险，请事先告知。,11.Im looking for insurance from your company.我是到贵公司来投保的。,12.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。,13.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。,14.When should I go and have the tea insured我什么时候将这批茶叶投保？,15.All right. Lets leave insurance now.,好吧，保险问题就谈到这里。,16.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。,17.I must say that youve corrected my ideas about the insurance.,我该说你们已经纠正了我对保险的看法。,18.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。,动动手,Try Yourself,Dear Sirs,I am sending the claims from you requested in your fax of 17 May 2016 and we will consider the matter once we have full details. You rest assured about that. I think Iought to point out that this is,the second time you have claimed on a shipment. Though I appreciate that your products are fragile, it would be in your interest to consider new methods of packing. I agree that the claims have been comparatively small, but in future you will have to have our inspection to determine the cause of damage. I should also mention that further claims affect your premium when the policy is renewed. Please pay close attention to what our new policies are and we hope you can appreciate it.,Yours sincerely,Denial Roberts,动动手,Try Yourself,Dear Sirs,Thank you for your last e-mail of 17 May. You said your quotation is for CIF terms. However, we hope you can have your quotation on C & F terms. We have a business connection with our insurance company in Beijing, so we can receive premium rebates.,You can e-mail us and get more familiar with our terms of insurance.,Best regards,Denial Roberts,动动手,Try Yourself,Dear Sirs,We have received your letter and are pleased to know that you are ready to insure with us a shipment of phones from Hong Kong to Dalian by sea.,The current rate for the proposed shipment against all risks is 1%. Catalogue and copies are then enclosed for your referenced. Please check it.,If you take it possible to accept our rate, please tell us as soon as possible through e-mail or letter, so that we can issue our policy accordingly.,Faithfully yours,Denial Roberts,动动手,Try Yourself,Dear Sirs.,We are here to refer to the order of 2345, which we placed with you last week. We appreciate your cooperation and now we want you to do us a favor.,As we now desire to have the consignment insured at your end, we will be thankful if you will kindly arrange to insure on our behalf against all risks.,With all heartfelt thanks in advance, we hope you can accept our request after you discussed about it.,Best regards.,Denial Roberts,