商業(yè)書信英語第九單元
[00:00.00]Letters of Insurance
[00:01.10]有關(guān)保險(xiǎn)內(nèi)容的信
[00:02.19]Relevant Knowledge
[00:02.85]相關(guān)知識(shí)
[00:03.50]Insurance is provided to cover almost any kind of happenings that may result in loss.
[00:06.16]保險(xiǎn)用于承保任何可能發(fā)生損失的事件。
[00:08.83]Its purpose is to provide compensation for those who suffer from loss or damage.
[00:11.56]其目的是賠償遭受損失或損害的人。
[00:14.29]So it it also called a contract to restore to their original position a person who suffers loss.
[00:17.50]所以說保險(xiǎn)也是一種使遭受損失和損害人恢復(fù)原來情形的合同契約。
[00:20.72]It is customary to insure goods sold for export against the perils of the journey.
[00:24.02]按照慣例為出口商投保以防貨物運(yùn)輸途中各種危險(xiǎn)。
[00:27.32]In international trade.
[00:28.42]在國際貿(mào)易中，
[00:29.52]the transportation of goods from the s eller to the buyer is generally over a long distance
[00:32.63]從買方到賣方的貨物運(yùn)輸總是路途遙遠(yuǎn)，
[00:35.74]by air by land or by sea and has to go through the procedures of loading,unloading and storing.
[00:39.59]或空運(yùn)、或鐵路、或汽車、或海運(yùn)、都必須經(jīng)過裝運(yùn)、裝卸、倉儲(chǔ)。
[00:43.44]During this process it is quite possible that the goods will encounter various kinds of perils and sometimes suffer losses.
[00:48.30]在這一切過程中，貨物十分有可能遇到各種各樣的危險(xiǎn)和受到損失。
[00:53.16]In order to protect the goods against possible loss in case of such perils,
[00:55.82]為了保護(hù)商品在萬一發(fā)生危險(xiǎn)時(shí)不受損失，
[00:58.49]the buyer or seller before the transportation of the goods usually applies to an insurance company for insurance covering the goods in transit.
[01:04.03]買方或賣方在貨物運(yùn)輸之前就向保險(xiǎn)公司為運(yùn)輸途中運(yùn)輸途中的商品投保。
[01:09.56]A proposal form should be completed and submitted to the insurance company when importers or exporters insure their goods against risks of all kinds.
[01:15.45]除了水漬險(xiǎn)，投保其他意外險(xiǎn)要提交保險(xiǎn)單。
[01:21.35]If the proposal is accepted the insurance company is required by law to issur a policy.
[01:24.65]如果保險(xiǎn)人接受了申請(qǐng)，應(yīng)依法開給對(duì)方一張保險(xiǎn)單，
[01:27.95]which sets forth the terms and conditions of the insurance contract,namely:thr risk to be covered ,the sum insured and the premiue to be paid.
[01:33.58]上面列有所簽合同的各種條款，包括所承擔(dān)的危險(xiǎn)，保險(xiǎn)金額和應(yīng)付的保險(xiǎn)費(fèi)。
[01:39.21]A contract of insurance is one between a party who agrees to accept the risk (the insurer or the assure,know as the insurance company)
[01:44.88]保險(xiǎn)合同是同意接受風(fēng)險(xiǎn)的一方(叫保險(xiǎn)人，即保險(xiǎn)公司)
[01:50.55]and a party who seeks protection from the risk
[01:52.59]和尋求保護(hù)防止風(fēng)險(xiǎn)、
[01:54.63]and will receive the benefit of the insurance in case of loss (the insured or the assured).
[01:57.73]一旦發(fā)生損失交將接受保險(xiǎn)公司賠償?shù)牧硪环?又稱投保人)簽訂的契約。
[02:00.84]In return for payment of a premium the insurer agrees to pay the insured a stated sum (or a proportion of it)
[02:05.18]保險(xiǎn)人在交納保險(xiǎn)費(fèi)后同意支付投保人協(xié)定了的金額(或其中的一部分)
[02:09.52]if the event insured against should occur.
[02:11.59]如果投保時(shí)所明確的事故確實(shí)發(fā)生了的話。
[02:13.67]Losses that goods might suffer during transportation on sea and in the course of loading and unloading fall into three main classes including Tota Loss,Partial Loss and Genera Average.
[02:21.10]在海上運(yùn)輸和裝卸過程中貨物遭受到的損失分為三種：全部海損、部分海損和共同海損。
[02:28.53]Total Loss can be either Actual Total Loss or Constructive Total Loss.
[02:30.79]全部海損可分為實(shí)際全部海損和推定全部海損。
[02:33.05]The former is the entire shipments is hit by any perils of the sea.
[02:36.04]前者指全部船、貨遭遇
[02:39.03]such as beaching,grounding ,stranding,collision,sinking,natural calamities,fire,explosion,etc,and totall lost.
[02:44.44]擱淺、觸礁、碰撞、沉沒、自然災(zāi)害、火災(zāi)、失蹤、爆炸等而全部損失;
[02:49.85]The latter is that the shipment is not actually lost
[02:51.76]后者指船、貨雖實(shí)際上沒有喪失
[02:53.66]but it is so severely damaged as to make the goods no longer any use for the originally purpose.
[02:56.81]但已嚴(yán)重毀壞，貨物不能再用，失去原有使用價(jià)值，實(shí)際全損已不可避免。
[02:59.96]Partial Loss means the goods are party lost or damaged.
[02:59.46]部分海損是指被保險(xiǎn)貨物的損失沒有達(dá)到全部損失的程度。
[03:03.53]General Average is defined as a loss internationallly undertaken out of the common interest and safety of the ship owner and the owners of the goods.
[03:08.96]共同海損被定義為為了船、貨雙方的共同利益和安全，由船方有意識(shí)地、合理地采取措施，所做出的某些特殊損失或某些額外費(fèi)用。
[03:14.40]There are three types of the basic insurance covers in marine insurance:
[03:17.64]海洋貨物運(yùn)輸保險(xiǎn)有三種基本險(xiǎn)別：
[03:20.87]Ftrr of Particular (F.P.A) means that the insurance company will be responsible to pay claims for losses due to ship or carrier being totally lost.
[03:26.82]投保平安險(xiǎn)，保險(xiǎn)公司將負(fù)責(zé)理賠由于運(yùn)輸工具發(fā)生意外而造成被保險(xiǎn)貨物全部損害。
[03:32.76]With Average (W.A) is the cover under which the insurer is responsible for the partial losses of the insured goods and protects them against damage from seawater caused by natural calamities.
[03:40.64]投保水漬險(xiǎn)意味著一旦發(fā)生自然災(zāi)害引起海水侵害被保險(xiǎn)貨物造成部分損失，保險(xiǎn)人將負(fù)責(zé)賠償;
[03:48.51]Under the cover of All Risks the goods are insured against all risks.
[03:50.97]一切險(xiǎn)指對(duì)一切危險(xiǎn)進(jìn)行賠償。
[03:53.42]That is to say,the insurer is liable for all total or partial loss of or damage to the insured goods caused by natural calamities or by sea perils.
[03:59.88]也就是說，對(duì)于自然災(zāi)害或海上風(fēng)險(xiǎn)造成的被保險(xiǎn)貨物全部損失或部分損失，保險(xiǎn)人都負(fù)有責(zé)任賠償。
[04:06.33]General Additional Risks can be any risk that is not covered under the three basic insurance covers.
[04:09.50]一般附加險(xiǎn)是以上三種基本險(xiǎn)不包括的任何一種風(fēng)險(xiǎn)。
[04:12.68]They may cover the following:Theft,pilferage and non-delivery(T.P.N.D).Fresh water and/ rain water damage ,risk of shortage.
[04:19.13]比如：偷竊提貨不著險(xiǎn)、淡水雨淋險(xiǎn)、短量險(xiǎn)、
[04:25.58]Risk of intermixture and contamination,risk of leakage ,Risk of breakage ,Risk of clash,
[04:29.11]混雜玷污險(xiǎn)、滲漏險(xiǎn)、碰損破碎險(xiǎn)、碰撞險(xiǎn)、
[04:32.63]Risk of odor,risk of sweating and heating,Risk of hook danmage,Risk of rust and Risk of breakage of packing.
[04:37.50]串味險(xiǎn)、受熱受潮險(xiǎn)、鉤損險(xiǎn)、銹損險(xiǎn)和包裝破損險(xiǎn)等。
[04:42.38]Exporter's choice of the right coverage varies because of the nature of their particular goods and other financial reasons.
[04:47.16]出口商選擇投保何種險(xiǎn)別因貨物的性質(zhì)和其他經(jīng)濟(jì)原因而不同。
[04:51.94]If the proposal os accepted the insurer is required by law to issue an insurance policy.
[04:55.24]當(dāng)保險(xiǎn)公司同意接受了申請(qǐng)，它會(huì)依法發(fā)出保險(xiǎn)單給投保人填寫，
[04:58.55]which lists the terms of the contract,for the applicant to fill out,
[05:01.03]上面列有保險(xiǎn)合同的條件，
[05:03.51]which contains all the items including ownership,goods ,insured value,premium,insurance time,risks and coverages,etc.
[05:09.05]包括貨主、貨物名稱、保險(xiǎn)金額、保險(xiǎn)費(fèi)、投保時(shí)間、險(xiǎn)別等。
[05:14.59]The signed insurance policy as a binding contract or a legal document that serves as evidence of the agreement between the insurer and the person who takes out insurance
[05:21.01]經(jīng)過簽字的保險(xiǎn)單是具有法律效力的合同或文件是保險(xiǎn)人和投保人之間協(xié)議的證明，
[05:27.44]and forms part of the shipping document.
[05:29.25]也是裝貨單據(jù)的一部分。
[05:31.07]Useful Expressions about Insurance
[05:32.70]有關(guān)保險(xiǎn)的常用表達(dá)方式
[05:34.33]Opening Sentence
[05:35.46]開篇語
[05:36.58]As we will shortly ship a consignment of heavy-duty machinery with the value of $9080 from Germany to shenzhen China,we ask you to arrange insurance cover for the following:
[05:44.95]最近我們將從德國運(yùn)往中國深圳一批價(jià)值為9080美元的中型機(jī)械，因此要求貴公司承保下列風(fēng)險(xiǎn)：
[05:53.32]Please quote us your lowest FPA rates for delivery of fertilizer to Africa.
[05:56.12]請(qǐng)保對(duì)運(yùn)往非洲的化肥投保平安險(xiǎn)的最低保險(xiǎn)費(fèi)。
[05:58.92]We would like to remind you that your policy and certificate of insurance on the stock at the factory warehouse will expire on 15 July.
[06:03.76]很高興提醒你方，您為工廠倉庫中的存貨所投保的保險(xiǎn)單和保險(xiǎn)證明書，于7月15日到期。
[06:08.61]Middle Part
[06:09.29]中間部分
[06:09.96]The premium varies with the extent of insurance .should the goods be insured against additional risks,the extra premium should be borne by the buyer.
[06:15.70]保險(xiǎn)費(fèi)隨保險(xiǎn)的范圍不同而不同，如果貨物需要投保附加險(xiǎn)，額外的費(fèi)用由買方支付。
[06:21.43]If you will insure the consignment against All Risks,we can provide such coverage ,but premium is slightly higher,and additional charges will be for your account.
[06:28.02]如果你方將貨物投保一切險(xiǎn)，我方可以代為投保，但保險(xiǎn)費(fèi)用稍高，而且附加費(fèi)由你方承擔(dān)。
[06:34.60]We have arranged the insurance on all the Leather spplied against TPND,Contamination and Rain in addition to WPA at the rate of 10% for the sum of US $10,000 with the insurance company.
[06:43.55]我們已為所供應(yīng)的全部皮革向保險(xiǎn)公司投保水漬險(xiǎn)，另加偷竊和提貨不著險(xiǎn)、污染險(xiǎn)和雨淋險(xiǎn)，保險(xiǎn)費(fèi)率10%，投保額為10000美元。
[06:52.49]We usually effect insurance against All Risks and War Risk for full invoice value on C.I.F.sales.
[06:56.55]按C.I.F價(jià)出售的貨物，我們通常按發(fā)票金額的100%投保一切險(xiǎn)和戰(zhàn)爭險(xiǎn)。
[07:00.62]We wonder whether you may offer us an All policy for the consignment.
[07:03.10]我們想知道你方是否能給我們提供一份為此批貨物投保一切險(xiǎn)的保險(xiǎn)單。
[07:05.58]To be cover by you for 110% of total invoice value against leakage subject to relevant Ocean Cargo Clause of the People's Insurance Company of china dated 1 January,1995.
[07:13.95]由有你方按發(fā)票金額的110%投保滲漏險(xiǎn)，以中國人民保險(xiǎn)公司1995年1月1日的有關(guān)海洋運(yùn)輸保險(xiǎn)條款為準(zhǔn)。
[07:22.32]Please let us know the premium at which stortage is coverable by the insurer at your end.
[07:25.90]請(qǐng)告知你處的保險(xiǎn)商所承保短量險(xiǎn)的保費(fèi)。
[07:29.48]Closing Sentence
[07:30.45]結(jié)束語
[07:31.41]Please kindly advise us on what terms this insurance can be arranged.
[07:34.24]懇請(qǐng)告知安排這項(xiàng)投保需要什么條件。
[07:37.06]Please take our the necessary cover on our purchase of cotton and send the policy as early as possible.
[07:40.68]對(duì)于我方訂購的棉花請(qǐng)投保一切必要險(xiǎn)，并請(qǐng)盡早寄給我們保險(xiǎn)單。
[07:44.29]The consingment is insured by our ipen policy No 405 ,and we look forward to receipt of your certificate of insurance.
[07:49.61]這批貨物由我們的405號(hào)預(yù)定保險(xiǎn)單承保，我們等待著收到你公司的保險(xiǎn)證明。
[07:54.92]We are keen to know if you may allow us a special rate for our regular monthly shipments.
[07:58.16]我們急于知道，貴方是否考慮我們的定期每月運(yùn)貨而同意給我們優(yōu)惠保率。
[08:01.40]A proposal form is enclosed as requested,and please fill out and then return it by the end of this month,otherwise that may make it difficult to issue the policy in time.
[08:08.68]根據(jù)你方的要求，茲附上一份投保單，請(qǐng)?zhí)顚懞笥诒驹碌字凹幕?，否則會(huì)使我們難于及時(shí)發(fā)出保險(xiǎn)單。
[08:15.95]The relevant details are to be left for you to decide,but we wish to insure the goods against All Risks.
[08:19.82]有關(guān)細(xì)則留由你們決定，但是我們希望為這批貨物投保一切險(xiǎn)。
[08:23.69]Appreciation of Selected Business Letters
[08:25.75]商業(yè)書信精選實(shí)例賞析
[08:27.81]Dear Sirs,
[08:28.60]敬啟者，
[08:29.38]We acknowledge with thanks your letter of July requiring us to insure the consignment of 10 cases of cotton shirts form Manchester to Rome.
[08:34.67]感謝貴方7月份來函，要求我方為從曼徹斯特運(yùn)往羅馬的10箱棉襯衣提供保險(xiǎn)一事。
[08:39.96]We will cover insurance W.P.A &War risk according to usual practice in the absence of definite instrucations from you.
[08:45.09]鑒于沒有收到貴方的任何指示，我們將按照慣例為該批貨物投保水漬險(xiǎn)和戰(zhàn)爭險(xiǎn)。
[08:50.23]The premium for this cover is at the rate of 1.5% of the declared value of $789.
[08:54.31]保險(xiǎn)費(fèi)按照該貨物所報(bào)金額即789美元的1.5%收取。
[08:58.40]The policy is being prepared and it should reach you not later than 26 January.
[09:01.17]保險(xiǎn)單目前正在制定中中，預(yù)計(jì)將于1月26日寄至貴公司。
[09:03.94]Meanwhile,we confirm that we hold the consignment covered as from today.
[09:06.49]與此同時(shí)，我們向貴公司確定保險(xiǎn)自今天開始算起。
[09:09.03]Yours faithfully.
[09:09.84]您真誠的，
[09:10.65]RE:INSURANCE
[09:11.59]事由：保險(xiǎn)
[09:12.53]Thank you for your letter of June 25.
[09:14.17]茲感謝貴方6月25日來函，現(xiàn)已收悉。
[09:15.80]With regard to your inquiry about insurance ,we wish to give the folowing in reply:
[09:18.69]關(guān)于貴方對(duì)保險(xiǎn)一事的詢問，我方答復(fù)如下：
[09:21.57]For your reference ,in te absence of definite instructions from our clients ,we generally cover WPA and war risk.
[09:26.22]在沒有收到客戶明確指示時(shí)，我們一般按照慣例投保水漬險(xiǎn)和戰(zhàn)爭險(xiǎn)。
[09:30.87]If you desire to cover All Risks,
[09:33.07]如果你方將貨物投保一切險(xiǎn)，
[09:35.26]we can provide such converage at a slightly higher premium.
[09:37.52]我們可以代為投保，但保險(xiǎn)費(fèi)稍高。
[09:39.78]Breakage is a special risk,for which an extra premium will have to be charged.
[09:42.51]碰損破碎險(xiǎn)是特別險(xiǎn)種，對(duì)此要求收取附加保險(xiǎn)費(fèi)。
[09:45.24]the present rate is about 7%.
[09:46.72]目前碰損破碎險(xiǎn)的保險(xiǎn)費(fèi)率為7%。
[09:48.19]Claims are payable only for that part of the loss,that is over 5%.
[09:51.01]如果只對(duì)破碎部分的損失進(jìn)行賠償，保險(xiǎn)費(fèi)率高于5%。
[09:53.83]We note that you ask us to arrange insurance in $ 5432 for shipment of one container of televisions to Guangzhou by SS Victory from Vancouver,
[10:01.93]我們注意到貴公司要求以5432美元為從溫哥華開往廣州的"勝利"號(hào)輪運(yùn)載的一集裝箱電視機(jī)進(jìn)行投保，
[10:10.03]which is having our best attention.
[10:11.47]對(duì)此我們很感興趣。
[10:12.90]We wonder whether the above information will serve your purpose
[10:15.23]希望上述信息能使貴方滿意
[10:17.55]and we look forward to hearing further news from you.
[10:19.75]謹(jǐn)盼收到貴方進(jìn)一步的消息。
[10:21.94]Your sincerely.
[10:23.16]您真誠的，
[10:24.37]Dear Sir,
[10:25.09]敬啟者，
[10:25.81]POLIVY NO .159
[10:27.60]第159號(hào)保單
[10:29.39]I remitted you a check for $ 100 to extend insurance of my premises under the above policy immediately upon receipt of your renewal notice dated July 21,1999.
[10:36.53]一俟收到貴方7月21日的修訂通知，我已經(jīng)以支票的方式匯出100美元為本保單的房屋續(xù)保。
[10:43.68]Unfortunately,I have no record of the amount of insurance provided by the premium paid and should be obliged if your would please inform me.
[10:48.97]很遺憾的是，我沒有記錄該保單下已經(jīng)支付的保費(fèi)總額，若貴方能告知，將十分感激。
[10:54.26]If the amount of the insurance be less than $80000 I should like to increase it to this amount with immediate effect.
[10:59.35]若所支付保費(fèi)總額少于80，000美元，我愿意立即將其增加到該數(shù)目。
[11:04.44]Please arrange for this if necessary and send me your account of addition premium payable.
[11:07.24]如果有必要的話，請(qǐng)代為安排，并寄給我已經(jīng)支付的附加保費(fèi)的賬目。
[11:10.03]I will promptly send you a check in payment of it.
[11:11.60]作為補(bǔ)償，我會(huì)即刻寄給貴方支票。
[11:13.17]Yours truly.
[11:14.07]您真誠的，
