1、外贸英语：保险 .InsuranceWhat risks is the Peoples Insurance Company of China able to cover? 中国人民保险公司承保的险别有哪些？ What risks should be covered? 您看应该保哪些险？ 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？ Its better for you to can the leaflet, and then make a decision. 你最好先看看说
2、明书，再决定保什么险。 These kinds of risks suit your consignment. 这些险别适合你要投保的货物。 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价格条件，所保的究竟包括哪些险别？ It s important for you to read the “fine print“ in any insurance policy so that you know what kind of coverage you are bu
3、ying. 阅读保险单上的“细则”对你是十分重要的，这样就能知道你要买的保险包括哪些项目。 Words and Phrases PICC (Peoples Insurance Company of China) 中国人民保险公司 risk insured, risk covered 承保险项 risk 险别 to provide the insurance 为提供保险 leaflet 说明书 fine print 细则 what is the insurance premium? 保险费是多少？ The premium is to be calculated in this way. 保险费是
4、这样计算的。 The total premium is 800 U.S. dollars. 保险费总共是 800美圆。 The cover paid for will vary according to the type of goods and the circumstances. 保险费用按照货物类别的具体情况会有所不同。 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
5、不同。 According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered. 根据共同保险条款，保险人通常必须付全部费用的百分之二十。 The insurance rate for such kink 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。 Insurance brokers will quote rates for all types of cargo an
6、d risks. 保险经纪人会开出承保各类货物的各种险别的费用。 Can you give me an insurance rate? 您能给我一份保险率表吗？ Could you find out the premium rate for porcelain? 您能查一下瓷器的保险费率吗？ You should study not only the benefits 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
7、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。 F.P.A. stands for “Free from Particular Average“.FPA代表平安险。W.P.A. stands for “With Particular Average“.WPA代表水渍险。Ill have the goods covered against Free from Particular Average.我将为货物投保平安险。I know that F.P.A insurance doesnt cover losses on consumer goods.我知道平安险不包括
8、消费品的种种损失。I dont think that the W.P.A insurance covers more risks than the F.P.A.我认为水渍险承保的范围并不比平安险的范围宽。Free from Particular Average is good enough.只保平安险就可以了。The goods are to be insured F.P.A.这批货需投保平安险。What youve covered is Leakage.你所投保的是渗漏险。Why dont you wish to cover Risk of Breakage?您为什么不想投保破碎险呢？W.P
9、.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。Dont you wish to arrange for W.P.A. and additional coverage against Risk of Breakage?您不想保水渍险和附加破碎险吗？Not every breakage is a particular average.并不是所有的破碎险都属于单独海损。The covera
10、ge is W.P.A. plus Risk of Breakage.投保的险别为水渍险加破碎险。Well, obviously you wont want All Risks cover.显然，你不想保综合险。An All Risks policy covers every sort of hazard, doesnt it?一份综合险保单保所有的险，是吗？Wed like? to cover the porcelain ware against All Risks.我们想为这批瓷器投保综合险。Please insure the shipment for RMB5,000 against A
11、ll Risks.请将这批货物投保综合险人民币 5000元。Weve cover insurance on these goods for 10% above the invoice value against All Risks.我们已经将这些货物按发票金额加百分之十投保综合险。An F.P.A. policy only covers you against total loss in the case of minor perils.平安险只有在发生较小危险时才给保全部损失险。The F.P.A. doesnt cover partial loss of the nature of par
12、ticular average.平安险不包括单独海损性质的部分损失。A W.P.A. or W.A. policy covers you against partial loss in all cases.水渍险在任何情况下都给保部分损失险。Youll cover SRCC risks, wont you?你们要保罢工、暴动、民变险，是吗？As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other risks is
13、 required, such as breakage, leakage, TPND, hook and contamination damages, the extra premium involved would be for the buyers account.按照我们的惯例，只保基本险，按发票金额 110%投保。如果要加保其它险别，例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等，额外保险费由买方负担。We can serve you with a broad range of coverage against all kinks of risks for sea transport.
14、我公司可以承保海洋运输的所有险别。Generally speaking, aviation insurance is much cheaper than marine insurance.空运保险一般要比海运保险便宜。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。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。Are
15、 there any other clauses in marine policies?海运险还包括其它条款吗？外贸知识Breakage is a particular average, isnt it?破碎险属于一种单独海损，对吗？the risk of breakage is covered by marine insurance, isnt it?破碎险是包括在海洋运输货物险之内的，对吗？The English understood by “marine risks“ only risks incident to transport by sea.英国人对“海洋运输货物险”只理解为海洋中
16、的意外风险。Generally, the term “all marine risks“ is liable to be misinterpreted and its use should be avoided in L/C.一般地，“一切海洋运输货物险”容易被误解，应该避免在信用证中使用。Please tell me whether I need to purchase a foreign student policy.告诉我是否我需要购买外国学生保险。Id like to know whether basic health insurance coverage should include
17、 benefits for outpatient, hospital, surgery and medical expenses.我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。Will you please tell me where I can purchase health insurance?请告诉我在何处能买到健康保险？Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sick
18、ness or injury.健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。外贸知识“Major medical“ insurance policies are designed to help offset heavy medical expenses that can result from a prolonged illness or serious injury.“巨额医药费保险” 旨在协助减轻久病及重伤所造成的重大医药开支。If the benefits provided under a certain policy have a dollar limitation for each service, you should determine whether these limitations are realistic.如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。
