實(shí)用商務(wù)英語 保險(xiǎn)費(fèi)率

5　保險(xiǎn)費(fèi)率

你將聽到的

需要多少費(fèi)用

What is the cost of the insurance?

平安險(xiǎn)費(fèi)率

We shall be glad if you will quote us a rate for marine insurance F.P.A. on a shipment of electric toys.

加一切險(xiǎn)報(bào)價(jià)

Please quote us your lowest F.P.A. rate for delivery of fertilizer to Africa.

特惠保險(xiǎn)費(fèi)率

Will you please quote your special rate for the coverage?

投保的價(jià)

We hope to receive the quotation of your rate for the cover.

保險(xiǎn)額度

Regarding insurance, the coverage is for 110％ of invoice value up to the port of destination only.

沒有保險(xiǎn)的價(jià)格

I should point out that our prices were calculated without insurance for any special risk.

你也許會(huì)說

誰來出錢

The extra premium involved will be for your account.

優(yōu)惠條款

This is a very low rate and we trust you can pass us the business.

額外支付

If you want us to insure against a special risk, an extra premium will have to be charged.

職場(chǎng)心經(jīng)

保險(xiǎn)費(fèi)率一般由純費(fèi)率和附加費(fèi)率兩部分組成。習(xí)慣上，將由純費(fèi)率和附加費(fèi)率兩部分組成的費(fèi)率稱為毛費(fèi)率。純費(fèi)率也稱凈費(fèi)率，是保險(xiǎn)費(fèi)率的主要部分，它是根據(jù)損失概率確定的。按純費(fèi)率收取的保險(xiǎn)費(fèi)叫純保費(fèi)，用于保險(xiǎn)事故發(fā)生后對(duì)被保險(xiǎn)人進(jìn)行賠償和給付。附加費(fèi)率是保險(xiǎn)費(fèi)率的次要部分，按照附加費(fèi)率收取的保險(xiǎn)費(fèi)叫附加保費(fèi)。它是以保險(xiǎn)人的營業(yè)費(fèi)用為基礎(chǔ)計(jì)算的，用于保險(xiǎn)人的業(yè)務(wù)費(fèi)用支出、手續(xù)費(fèi)支出以及提供部分保險(xiǎn)利潤等。

必備的詞匯熱身

●　premium [?pri:mi?m] n.保險(xiǎn)費(fèi)

●　secure [si?kju?] v.擔(dān)保，保障

●　partial [?pɑ:??l] adj.部分的

●　specify [?spes?fai] v.詳細(xì)說明

●　dispatch [dis?p?t?] v.迅速處理

●　short-term [???:t?t?:m] adj.短期的

●　stipulate [?stipjuleit] v.規(guī)定

●　pilferage [?pilf?rid?] n.偷盜，行竊；臟物

●　breakage [?breikid?] n.破壞；破損

●　calamity [k??l?m?ti] n.災(zāi)難；不幸事件

談到保險(xiǎn)費(fèi)率的時(shí)候你會(huì)聽到

What is the cost of the insurance?

需要繳納多少保險(xiǎn)費(fèi)？

We shall be glad if you will quote us a rate for marine insurance F.P.A. on a shipment of electric toys.

我方非常高興，如果您能報(bào)出電動(dòng)玩具的平安險(xiǎn)的費(fèi)率。

Please quote us your lowest F.P.A. rate for delivery of fertilizer to Africa.

請(qǐng)報(bào)出150箱多功能切碎機(jī)的一切險(xiǎn)的最低價(jià)。

Will you please quote your special rate for the coverage?

請(qǐng)您報(bào)該險(xiǎn)種的特惠保險(xiǎn)費(fèi)率？

We hope to receive the quotation of your rate for the cover.

我們希望得到投保的價(jià)格。

Regarding insurance, the coverage is for 110％ of invoice value up to the port of destination only.

關(guān)于保險(xiǎn)，該險(xiǎn)別為發(fā)票額的100％，只保到目的地港。

I should point out that our prices were calculated without insurance for any special risk.

我應(yīng)該指出，我們的價(jià)格沒有把特殊險(xiǎn)計(jì)算在內(nèi)。

提到保險(xiǎn)費(fèi)率的時(shí)候你會(huì)說

1．The premium varies with the extent of insurance. Should additional risks be covered, the premium is for buyer's account.

保險(xiǎn)根據(jù)保險(xiǎn)范圍變化不同。如果投保附加險(xiǎn)，額外的保險(xiǎn)由買方出賬。

2．The premium is to be charged to the consignees, together with all expenses of forwarding.

保險(xiǎn)費(fèi)連同運(yùn)輸費(fèi)由收貨人支付。

3．The additional premium is for the buyer's account.

增加的保費(fèi)由買方負(fù)責(zé)。

4．And the extra premium involved will be for your account.

由此產(chǎn)生的額外保險(xiǎn)費(fèi)概由貴方支付。

5．This is a very low rate and we trust you can pass us the business.

這個(gè)保險(xiǎn)費(fèi)率很低，本公司相信貴方做成這筆交易。

6．If you will to secure protection against T.P.N.D., it can be easily done upon the payment of an additional premium.

如你方想要投保偷竊提貨不著險(xiǎn)，非常容易辦到，只要支付附加保險(xiǎn)費(fèi)就行了。

7．We may also insure the shipment against any additional risks of your desire, but the extra premium is to be borne by you.

要是您有要求的話，我們可以為您投保任何附加險(xiǎn)，但額外的保費(fèi)必須由貴方承擔(dān)。

8．If you want us to insure against a special risk, an extra premium will have to be charged.

要是您想要我們投保特殊險(xiǎn)的話，需支付額外的保費(fèi)。

9．Will you please quote your terms for providing the required cover, which should include loading and discharging?

敬請(qǐng)報(bào)知貴方客戶指定的保險(xiǎn)收費(fèi)條件，包括貨物裝卸費(fèi)在內(nèi)。

拓展學(xué)習(xí)

保險(xiǎn)費(fèi)率額度

A：What is the insurance expense?

保險(xiǎn)費(fèi)是多少錢？

B：If more than that is covered, the extra premium for the difference between 130％ and 110％ should be borne by the buyer.

如果要求投保更高的險(xiǎn)種，那么13％與110％之間的差額所引起的額外保險(xiǎn)費(fèi)由買方負(fù)擔(dān)。

War Risk premium is calculated at 0.1％, if it is higher than 0.1％ after the conclusion of the contract, excess premium shall be for Buyers' account.

戰(zhàn)爭保險(xiǎn)費(fèi)按0.1％計(jì)算，若成交后保費(fèi)超過0.1％，其超額部分有買方負(fù)擔(dān)。

This kind of additional risk coverable at 2％.

這種附加險(xiǎn)的保險(xiǎn)費(fèi)是2％。

Please note that our insurance coverage is for 110％ of the invoice value only.

請(qǐng)注意，我方的保額僅為發(fā)票值的110％。

怎么付費(fèi)

A：The insurance rate you quote, namely 0.6％, is acceptable to us.

你方所報(bào)保險(xiǎn)費(fèi)率，即0.6％，可為我方接受。

B：Please effect insurance at the lowest rate possible, not exceeding 8 percent.

請(qǐng)以最低保險(xiǎn)費(fèi)率投保，最高不超過8％。

The premium rate is fixing on the basis of the past statistical loss figures.

保險(xiǎn)費(fèi)率是根據(jù)以往貨物損失和破損的統(tǒng)計(jì)數(shù)字來制定的。

In order to be able to check and compare price quotation, we need currently applicable insurance rates.

為了核查和比較各個(gè)報(bào)價(jià)的高低，我方需要貴公司目前所使用的保險(xiǎn)費(fèi)率資料。

If loading deck be specify, will the Insurance rate be higher?

如指定裝貨甲板，保險(xiǎn)費(fèi)率是否會(huì)高些？

場(chǎng)景應(yīng)用

瑪麗對(duì)保險(xiǎn)費(fèi)率的相關(guān)事宜不甚了解，但是經(jīng)過杰克的詳細(xì)介紹，她立刻就變得豁然開朗了。

A：Though I have effected insurance for several times, there is still one thing I'm not sure.

B：What is it?

A：What do you think are the main factors that determine the premium rates?

B：First, I think, is the carrying vessel, like its age, classification, ownership and management etc. And the second is packing.

A：Packing should be seaworthy or strong enough to endure rough handling, right?

B：In some cases, it is. But not for air freight and container shipment, they tend to require less packing.

A：How about the type of merchandise to be shipped?

B：It must be considered, because some goods are more vulnerable to damage.

A：I guess the distance of transportation and modes of transport also influence the rates.

B：Right. Sometimes underwriters charge you at a higher premium just because the goods are easily to damaged or stolen.

A：Are there close connections between the types of risks and the premium?

B：Yes, the more extensive cover is required, the higher the premium rate is.

A：I am clear about the rates now. I really appreciate your help.

B：I'm entirely at your service.

A：雖然我曾經(jīng)辦過幾次保險(xiǎn)，但我仍有一事不很了解。

B：什么問題？

A：你認(rèn)為決定保險(xiǎn)費(fèi)率的主要因素有哪些？

B：首先，我認(rèn)為就是運(yùn)載船只的情況。比如像船齡，類型，船主及管理等。其次就是包裝。

A：包裝應(yīng)適合海運(yùn)或足夠堅(jiān)固，經(jīng)得住野蠻裝卸，對(duì)嗎？

B：在某種情況下是這樣的。但是空運(yùn)和集裝箱運(yùn)輸不是這樣的，他們往往要求較少的包裝。

A：裝運(yùn)商品的類型有關(guān)系嗎？

B：當(dāng)然需要加以考慮，因?yàn)橛行┥唐犯资軗p傷。

A：我想運(yùn)輸距離和方式也會(huì)影響費(fèi)率的。

B：是的。有的時(shí)候保險(xiǎn)商因?yàn)樗l(fā)運(yùn)貨物是易受損的或易被偷竊的，就會(huì)收取較高的保險(xiǎn)費(fèi)。

A：保險(xiǎn)險(xiǎn)別和費(fèi)率之間關(guān)系密切嗎？

B：是的，保險(xiǎn)范圍越廣，保險(xiǎn)費(fèi)率也就越高。

A：現(xiàn)在我清楚了。太感謝你了。

B：愿意為您效勞。

雙方未能就投保金額達(dá)成一致，買方?jīng)Q定詢問完領(lǐng)導(dǎo)的意見再作回復(fù)。

A：I would like to get cover for 130％ of the invoice value.

B：However, it is our usual practice to insure shipments for the full invoice value plus 10％. I don't know why you ask for more.

A：Well, I know that a range from 0％ to 50％ is reasonably accepted in the extra insurance value by Chinese insurance company. Besides, we are expecting 20％ profit from this deal. So if there's any wrong with this shipment, we want to get full covered.

B：OK, I see. In the light of our relationship, we will comply with your request. But the extra premium will be for your account.

A：I'm sorry I couldn't agree with you. I think the premium is already included in the CIF price.

B：That's true. But you ask for an extra insurance value, for which part you should take the bill. If we covered that extra expense, we couldn't make any profit from this transaction.

A：Would you please tell me your premium rate?

B：0.2％ of insurance value, our underwriter said.

A：Oh, that's a little expensive. As a rule, it should be charged at only 0.12％ of insurance value. Perhaps your underwriter asks you for more.

B：Not really. According to the route of this transportation and nature of this shipment, you should allow a small rise on premium rate.

A：Well, I will talk with the top dog and call you back after asking for his opinion.

A：我想投保發(fā)票金額的130％。

B：可是，按慣例，我們只投保發(fā)票金額的110％呀。不知道你為什么要求這么高的保險(xiǎn)金額。

A：我知道中國的保險(xiǎn)公司可以接受0％到50％的額外保額。另外，我們預(yù)期從這單生意中獲得20％的利潤。所以如果這批出了什么問題的話，我們想得到全部成本加利潤的賠償。

B：我明白了。鑒于我們的關(guān)系，我們會(huì)按照你的要求來做的，但額外的保費(fèi)應(yīng)由你方支付。

A：我可不這么想。我認(rèn)為保費(fèi)已經(jīng)包括在CIF的報(bào)價(jià)里了。

B：是的，但你所要求的保險(xiǎn)金額多了一些，這個(gè)部分應(yīng)由你來買單。如果我們連這個(gè)額外的費(fèi)用也出的話，這單交易我們就賺不到什么錢了。

A：你能告訴我你的保費(fèi)費(fèi)率是多少嗎？

B：我們的保險(xiǎn)代理說，費(fèi)率是保險(xiǎn)金額的0.2％。

A：這就有點(diǎn)高了，通常來講，應(yīng)該是保險(xiǎn)金額的0.12％，可能你們的保險(xiǎn)代理要高了。

B：不是這樣的。根據(jù)運(yùn)輸路線和這批貨的性質(zhì)，就會(huì)在費(fèi)率上有點(diǎn)提高。

A：這樣吧，我回去和我們的頭兒商量一下，然后給你回話。

* * *

top dog領(lǐng)導(dǎo)者，掌權(quán)人，頭兒

top意思是“最高的”。由此可見top dog就是狗群里地位最高、領(lǐng)頭的那一只，也許是因?yàn)檫@條狗體格最高大強(qiáng)壯，也可能由于它最靈敏。中文里“狗”往往帶有貶義，要是把某人比作狗，這人會(huì)給氣得發(fā)昏。但是，英文的習(xí)慣卻不同，“狗”常常不帶有貶義，有時(shí)還是褒義的。top dog就是一個(gè)例子，這里的所謂“帶頭人”可能是企業(yè)主管，也可以是政府領(lǐng)袖，也許只是一家之主，反正任何群體多半總得有個(gè)大權(quán)在握的，而這樣的人在英文里可以被稱作：top dog。這個(gè)習(xí)慣用語說的是居支配地位的、有最高權(quán)力的人。

* * *