外贸函电保险例文及句子Insurance学习教案

会计学1外贸函电保险外贸函电保险(boxin)例文及句子例文及句子Insurance第一页，共49页。 burglary and robbery insurance.第1页/共48页第二页，共49页。Insurance Contract(保险合同保险合同)(1)保险合同是投保人与保险人约定保险权利义务保险合同是投保人与保险人约定保险权利义务(yw)关系的协议关系的协议An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer. (2)投保人投保人the applicant 是指与保险人订立保险合同，并按照保险合同负有支付保险费义务是指与保险人订立保险合同，并按照保险合同负有支付保险费义务(yw)的人。的人。 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.第2页/共48页第三页，共49页。(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，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(yugun)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.第3页/共48页第四页，共49页。(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(h tong)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 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(h tong)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. 第4页/共48页第五页，共49页。7.2 Fundamental 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.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. (2)最大诚信(chn xn)原则 The Utmost Good Faith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. 第5页/共48页第六页，共49页。(3)赔偿赔偿(pichng)原则原则 Indemnity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。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. 第6页/共48页第七页，共49页。nn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(nirng)必须有准确的理解。第7页/共48页第八页，共49页。第8页/共48页第九页，共49页。第9页/共48页第十页，共49页。第10页/共48页第十一页，共49页。Heavy weatherlighteningearthquakeVolcanic eruptiontunamiNatural Calamities第11页/共48页第十二页，共49页。Fortuitous accidentsfireexplosioncollisionstrandedsunkgrounded第12页/共48页第十三页，共49页。第13页/共48页第十四页，共49页。第14页/共48页第十五页，共49页。第15页/共48页第十六页，共49页。第16页/共48页第十七页，共49页。第17页/共48页第十八页，共49页。第18页/共48页第十九页，共49页。additional premium.第19页/共48页第二十页，共49页。第20页/共48页第二十一页，共49页。第21页/共48页第二十二页，共49页。第22页/共48页第二十三页，共49页。nat/for 110% of the invoice value第23页/共48页第二十四页，共49页。第24页/共48页第二十五页，共49页。第25页/共48页第二十六页，共49页。nInsurance at + 保险(boxin)费nInsurance at premium of 5%nInsurance with + 保险(boxin)公司nInsurance with PICC第26页/共48页第二十七页，共49页。第27页/共48页第二十八页，共49页。第28页/共48页第二十九页，共49页。第29页/共48页第三十页，共49页。第30页/共48页第三十一页，共49页。第31页/共48页第三十二页，共49页。We now desire to have the consignment insured at your end. 第32页/共48页第三十三页，共49页。Our usual practice is to insure shipments for the invoice value plus 10% against All Risks. 第33页/共48页第三十四页，共49页。We have covered the goods against FPA and War Risks. 第34页/共48页第三十五页，共49页。As agreed, we have covered the insurance on the 1,000 cases of Canned Meat for 110% of the invoice value against WPA with the Peoples Insurance Company of China. 第35页/共48页第三十六页，共49页。We are prepared to comply with your request and obtain cover for 130% of the invoice value. The extra premium will be for your account.第36页/共48页第三十七页，共49页。We shall, of course, refund the premium to you upon receipt of your debit note. 第37页/共48页第三十八页，共49页。If you desire to cover risk of leakage, we can provide such coverage at a slightly higher premium. 第38页/共48页第三十九页，共49页。BACK Insurance is to be effected by the buyers under FOB terms. 第39页/共48页第四十页，共49页。保险费率要根据商品性质(xngzh)，所要投保的范围以及目的地而有所不同。 第40页/共48页第四十一页，共49页。我们知道按一般惯例，你方只按发票价格金额(jn )加成10%投保，因此额外保险费由我方负担。 第41页/共48页第四十二页，共49页。保险单正在准备(zhnbi)之中，本周内即可连同索款通知单一并寄上。 第42页/共48页第四十三页，共49页。现告知(o zh)贵方，我方已在中国人民保险公司办理了预约保单。 第43页/共48页第四十四页，共49页。请注意上述货物必须确保于7月16日前(rqin)装船。保险须按发票价格的120%投保一切险和战争险。第44页/共48页第四十五页，共49页。关于这批货物的保险，所报范围是按发票(fpio)金额的110%保至目的港。第45页/共48页第四十六页，共49页。附上(f shn)货物详情，我们将按惯例投保。 第46页/共48页第四十七页，共49页。BACK在今后一年内，我们将分批运儿童自行车，如蒙告知(o zh)你们一切险的最低费率将非常感谢。 第47页/共48页第四十八页，共49页。NoImage内容(nirng)总结会计学。(2)投保人the applicant。(3)保险人the insurer。(10)保险费the premium。(3)赔偿(pichng)原则 Indemnity第四十九页，共49页。