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,*,*,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,*,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,*,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,*,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,*,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,*,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,*,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,*,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,*,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,*,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,*,Unit Nine,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.,Part Two:Background Knowledge,I.Kinds of Risks,1.Perils of the Sea,The perils of the sea includes both natural calamities(earthquake,heavy weather),and,fortuitous accidents(fire,smoking,stranding,sinking,collision,etc.),2.Extraneous Risks,Risks caused by theft,rain,leakage,shortage,breakage,dampness,mildewing,heating,taint of odor,hooking and rusting are,general extraneous risks.,Risks caused by war,strikes,failure of delivery and rejection,etc.are,special extraneous risks,.,.,Total Loss and Partial Loss,1.Total Loss,falls into two catagories:,1).Actual Total Loss,means the whole lot of the consignment has been lost or damaged or found valueless upon arrival at the port of destination.,2).Constructive Total Loss,is,found in the case where the actual total loss of the insured goods is unavoidable,or the ship or the consignment has to be abandoned because the cost of salvage or recovery would exceed the value of the ship and the consignment in sound condition upon the arrival of the port of destination.,2.Partial Loss,is normally divided into,General Average,and,Particular Average,.,Particular average,means a loss that is borne solely by the owner of the lost property(ship or cargo),and,general average,means a sacrifice made for the common safety of both the cargo and the ship.,III.,Main Types of Insurance Coverage,1.Free Particular Average(FPA),2.With Particular Average/With Average(WPA/WA),3.All Risks(A.R.),.,Additional Risks,1.General Additional Risks,General additional risks,cover the losses caused by general extraneous risks,including Theft,Pilferage and Non-delivery(T.P.N.D.),Fresh Water and/or Rain Damage(F.W.R.D.),Risk of Shortage,Risk of Inter-mixture&Contamination,Risk of Leakage,Risk of Clash&Breakage,Taint of Odor,Damage Caused by Heating&Sweating,Hook Damage,Loss or Damage Caused by Breakage of Packing,and Risks,2.Special Additional Risks,Special Additional Risks,cover losses caused by,special extraneous risks,.They include War Risks,Strikes,Failure to Deliver,Import Duty,On Deck,Rejection,Aflatoxin,etc,.,.,Tips for Insurance Letter Writing,1.Mention the details of the goods,quoting the contract or policy number,etc.,2.State how and when the insured cargo was lost or damaged and the reason for compensation.,3.Wish the reader to accept your claim and give it immediate attention.,-Documents needed for a claim:,Survey report/A copy of B/L/The commercial invoice/The insurance policy,A covering letter requesting payment,Note:Keep this letter concise and professional.Make your request specific and,as necessary,refer to any enclosed documents.,Part Three:Sample Letters(1),Study Useful Words&Phrases,1.as requested,依照要求,=as requested by you or at ones request,As requested,we will inform you of the date of dispatch immediately upon completing shipment,按照你方要求，我们会在装运完成后立即将发货日期通知你方。
In compliance with your wishes(Or as requested)we have withdrawn our suggestion,遵照你的要求我们已将建议撤销,.,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,3.,premium n.,保险费,premium rebate,保险费回扣,premium tariff,保险费率表,extra premium,额外保险费,保险费是根据投保险别的保险费率计算的The premium is calculated according to the premium rate or rates for risks to be covered.,此种险别的保险费率是百分之一。
This risk is coverable at a premium of 1%.,Insurance of the goods is to be covered by us for 110%of the CIF value,and any extra premium for additional insurance,if required,shall be borne by the buyers.,货物的保险将由我方以,CIF,价的,110%,投保如果要求投保附加险，额外保险费将由买方自理4.debit note,借方通知；索款通知单,debit an amount to ones account,把一笔金额记入某人帐户的借方,debit ones account with an amount,把一笔金额记入某人帐户的借方,His account with the Bank of China had been debited with the sum of$5 for half-yearly bank charges.,中国银行把一笔五美元的帐记入他的帐户的借方，作为半年的银行手续费。
Part Three:Sample Letters(2),Study Useful Words&Phrases,1.,cover,v.n.,保险,coverage n.,承保范围；险别总称,insurance coverage,保险范围,to cover insurance,办理保险,to hold sth covered,办。
