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.(WithAver

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

3、andHeatingRisk4)IntermixtureandContaminationRisk9)HookDamageRisk5)LeakageRisk10)BreakageofpackingRiskSpecialadditionalrisks:1)WarRisk2)StrikesRisk3)RejectionRisk4)RejectionRisk5)AflatoxinRisk6)ImportDutyRisk7)FailuretoDeliverRiskGenerallyspeaking,theinsur

4、anceamountisdefinedas:thetotalvalueofthegoodsbasedonCIFprice+10%ofitthatis110%ofthetotalinvoicevalue.Iftheinsuredrequiresmorethan110%,theimporterhastobeartheadditionalpremium.10.2WritingguideWhenwritingaletteraboutinsurancethefollowinginformationshouldbec

5、onsidered.1)Theconsignment2)Themodeofpayment3)Theaccountofinsurance4)Thecoverageoftheinsurance5)Thepremiumrate6)Thewayofpremiumpayment7)Thevalidityoftheinsurance8)Thevoyage9)Insurancecompany10.3LettersforexampleExample1AskingforInsuranceArrangementDearMrZ

6、hu,WewishtoreferyoutoourOrderNo.O123for500cartonsNirenZhangcraftwork,fromwhichyouwillseethatthisorderwasplacedonCFRbasis.Aswenowdesiretohavetheconsignmentinsuredatyourend,weshallbemuchpleasedifyouwillkindlyarrangetoinsurethegoodsonourbehalfagainstAllRisks

7、atinvoicevalueplus10%,thatis,USD3,000.Weshallofcourserefundthepremiumtoyouuponreceiptofyourdebitnote.Lookingforwardtoyourearlyreply.Yoursfaithfully,Example2AreplytotheaboveDearMrSteve,WehavereceivedyourletterofApril4th,askingustoeffectinsuranceontheshipme

8、ntforyouraccount.WearepleasedtoinformyouthatwehavecoveredtheshipmentwiththePeople’sInsuranceCompanyofChinaagainstAllRisksfor1,350.00.ThepolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubynextMondaytogetherwith