世纪商务英语口译教程unit7

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1、Unit7InsuranceRelatedInformationTheBasicsofCargoCoverage1.“ALLRISK”coverageThebroadestformofcoverageis“ALLRISK”,which,asamisleadingnameforaninsurancepolicy,provideswidecoverbutdoescontainanumberofexclusions.Theterm“AllRisks”shouldnotbetakentooliterallyandinsomejurisdictionsthet

2、ermisnolongerused.An“ALLRISK”policyinsuresapprovedgeneralmerchandiseintheeventofphysicallossordamagefromanyexternalcause.Thisincludesnewpackagedgoodswithoutunusualsusceptibilitytolossfrombreakage,pilferage,orthenatureofthegoodsthemselves.“ALLRISK”policiesdonotcoveralllossesposs

3、ibleinthecourseofaninternationalshipment.2.GeneralAverageInordertosaveashipinperilofsinkingduringastorm,someofthecargomayhavetobethrownoverboard.Theshipownerandtheownersofthesavedcargoobviouslybenefitattheexpenseoftheownersofthejettisonedcargo.Thiswasdeemedunfairandtheprincipleof

4、“GeneralAverage”evolvedsothatallpartieswouldcontributeinsuchasituation.3.(With)ParticularAverage(WPA)Inoceanmarineinsurance,ParticularAveragereferstoalosseitherpartialortotal,whichfallsononeormorepropertyorinterestbeingshipped,asopposedtoageneralaverage.4.FreeofParticularAverage(

5、FPA)Thisisanoceanmarinepolicyprovisionwherecoverageisprovidedonlyifatotallossoftheinsuredpropertyoccursfromaninsuredperil.FPA(Americanclause)islimitedcoveragethatusuallyappliestousedmerchandise,wastematerialsandgoodsshippedsubjecttoanondeckbilloflading.Itcoverspartialandtotallos

6、sesduetoFPAperils,whichincludethesinking,stranding,burningorcollisionofthevesselsorcatastrophicperilsonshoresuchasearthquake,derailment,collapseofdock,fire,etc.5.WARRISKSpecialcoverageoncargoinoverseasshipsagainsttheriskofbeingconfiscatedbyagovernmentinwartime.Itisexcludedfromsta

7、ndardoceanmarineinsuranceandcanbepurchasedseparately.6.InherentViceCertaingoodsare,bytheirverynature,susceptibletodamageanditwouldbeunreasonabletoexpectinsurerstopayforsuchdamage.ExamplesofInherentVicearedeteriorationofPerishableGoods,spontaneousfermentationorcombustionofimproper

8、lydriedgrain.7.WAREHOUSETOWAREHOUSEpro