chapter ten insurance外贸函电

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1、ChapterTenInsurance10.1IntroductionInacontractofinsurance,therearetwoparticipants:insurerandinsured.Theclauseofinsurancemainlyincludes:coverage,theinsuranceamount,premium.Theriskscoveredbyinsurancefallsintotwocategories.1.Theprinciplerisks:1)W.A.(WithAverage)orW.P.A.

2、(WithParticularAverage)2)AllRisks3)F.P.A.(FreefromParticularAverage)2.AdditionalRisksGeneraladditionalRisks:1)TPND(RiskofTheftPilferageandNon-Delivery)6)ClashandBreakageRisk2)FreshWaterand/orRainDamageRisk7)TaintofOdorRisk3)ShortageRisk8)SweatandHeatingRisk4)Intermix

3、tureandContaminationRisk9)HookDamageRisk5)LeakageRisk10)BreakageofpackingRiskSpecialadditionalrisks:1)WarRisk2)StrikesRisk3)RejectionRisk4)RejectionRisk5)AflatoxinRisk6)ImportDutyRisk7)FailuretoDeliverRiskGenerallyspeaking,theinsuranceamountisdefinedas:thetotalvalueo

4、fthegoodsbasedonCIFprice+10%ofitthatis110%ofthetotalinvoicevalue.Iftheinsuredrequiresmorethan110%,theimporterhastobeartheadditionalpremium.10.2WritingguideWhenwritingaletteraboutinsurancethefollowinginformationshouldbeconsidered.1)Theconsignment2)Themodeofpayment3)Th

5、eaccountofinsurance4)Thecoverageoftheinsurance5)Thepremiumrate6)Thewayofpremiumpayment7)Thevalidityoftheinsurance8)Thevoyage9)Insurancecompany10.3LettersforexampleExample1AskingforInsuranceArrangementDearMrZhu,WewishtoreferyoutoourOrderNo.O123for500cartonsNirenZhangc

6、raftwork,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyouwillkindlyarrangetoinsurethegoodsonourbehalfagainstAllRisksatinvoicevalueplus10%,thatis,USD3,000.Weshallofcourserefundthepremiumtoy

7、ouuponreceiptofyourdebitnote.Lookingforwardtoyourearlyreply.Yoursfaithfully,Example2AreplytotheaboveDearMrSteve,WehavereceivedyourletterofApril4th,askingustoeffectinsuranceontheshipmentforyouraccount.WearepleasedtoinformyouthatwehavecoveredtheshipmentwiththePeople’sI

8、nsuranceCompanyofChinaagainstAllRisksfor1,350.00.ThepolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubynextMondaytogetherwith