国际商务英语课文电子版lesson (16)

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1、Lesson16Insurance(II)Transportationinsurance,likeallformsofinsurance,conformsto(follow遵守)certainbasicprinciples.Whenfirmsseekcover（保险）forgoodsandunitsofcarriage（运载工具）theymustfollowtheseprinciples.Therearethreemainprinciplesofinsurance,twosubsidiary（次要）princip

2、lesandadoctrine（原理）.Insurableinterest(可保利益)holds（认为）thatnoonemayinsureanythingunlesshehasaninterestinit（有利益）,whichmeansthatifthethinginsuredispreserved（protected）hewillderiveabenefitfromitspreservation(protection),butifitisinanywaydamagedorlosttheassuredwillb

3、eadverselyaffected（受到不利的影响）.Youcaninsureyourowncar,forifitisdamagedyouwillhavetopayforittoberepairedandconsequently（因此）youwillsufferaloss.Youcannotinsureyourneighbor’scar,forifitisdamagedyouwillnotsufferanyloss.Forthisreasontheinsuringofanythingbypeoplewhoare

4、not“interested”initisheld(thought被认为)tobe“againstpublicpolicy”（违反公共政策）.Thismeansthatcrimewouldbeencouraged.Everycontractofinsurancerequiresaninsurableinteresttosupportit,orotherwiseitisinvalid（无效的）andanyclaimmadeuponit（basedonit依据保险合同）willnotbeentertained（acc

5、ept接受，受理）（bytheinsurer）.Thetimeofaneventmaybecrucialtothequestionofinsurableinterest.Theinterestpasses(转移)withthedocuments.Incargoinsuranceweknowwhohasaninterestinthecargoatanyparticularpointoftime,ifweknowthetermsofsale(priceterms/termsofpayment–FOB..)whichh

6、avebeenarranged.Wecanworkoutwhowillsufferlossbydiscoveringatwhatpointthepropertypassesfromonepersontoanother.Thepersonwhoisgoingtosufferthelossistheonewhohastheinsurableinterestatanymoment.Thismeansthatgoodsmaybeshippedattheportoforigin(货物原产地港口)byashipperorfr

7、eightforwarder(consignor)underapolicy（保单）takenouttocoverthem,andthebuyertakesoverthepolicywhichhasbeenissuedwhenhetakesovertheownershipofthegoods.Iftheyfailtocompletethevoyage（旅程）(journey/transportation)undamaged,he(buyer)canclaimontheinsuranceeventhoughitwas

8、notinhisname.Utmostgoodfaith（最在诚信原则）isaveryimportantprinciple.Thepeoplewhodecidewhatpremiumisfair公正的foraparticularcover（某一笔保险）do（决定多少保费是公平的）soonthebasisofwrittenstatementsmadeinaproposalf