外贸函电unit 12.ppt

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1、Unit12Insurance保险大连理工大学电子音像出版社世纪商务英语外贸函电BasicKnowledgeConcernedLetter-writingGuideOtherCommonlyUsedExpressionsandSentencesSampleLettersPracticalTrainingPartOnePartTwoPartThreePartFourPartFiveContentsPartOneInsuranceisanessentialprocedureininternationaltrade.Theinsuredcanobtaintheguaranteefromthein

2、surancecompany(theinsurer)togetcompensationofthecargodamagedorlostintransitatarelativelysmallcost,namelytheinsurancepremium.Almosteveryinternationaltransactionbyseagetsinvolvedininsurancebecausetherisksintheseavoyageareunexpectedandvaried.Thereforeitnowhasbecomethecommonsensethatinsuranceshouldbeb

3、oughtinaninternationaltransaction,eitherbytheexporterortheimporter.1.TheSignificanceofInsurancePartOneUsually,therearethreekindsofbasicriskspackage.TheyareFPA(FreefromParticularAverage),WA/WPA(WithParticularAverage)andAR(AllRisks).Theinsuredneedstochooseoneofthemtoinsureagainst.Intermsoftherangeof

4、riskscoverageFPAisincludedinWA/WPA,andWA/WPAisincludedinAR.TherearealsoeleventypesofGeneralAdditionalRisk.Neitherofthemcanbeinsuredagainstalone.TheinsuredisallowedtoinsureagainstoneorseveralofthemonthebasisthathehasalreadychosenFPAorWPA.TheinsuredchoosingARdoesnotneedtoconsiderthemasARhasnaturally

5、coveredallofthem.TheeleventypesofGeneralAdditionalRiskare(1)Theft,PilferageandNon-Delivery(TPND);(2)FreshWater&/orRainDamage(FWRD);(3)RiskofShortage;(4)RiskofIntermixtureandContamination;(5)RiskofLeakage;(6)RiskofClash&Breakage;(7)RiskofOdour;(8)Heating&SweatingRisk;(9)HookDamageRisk;(10)RiskofRus

6、t;(11)BreakageofPackingRisk.OtherthantheaboverisksthereareanothereightkindsofSpecialAdditionalRisk,againstoneorseveralofwhichtheinsuredcaninsurethecargo.2.TheCoverageofInsurancePartOneIfthedamageorlossesoftheconsignment,whichhasbeeninsured,occurduringtheperiodoftransportationanddischargetheinsured

7、willcertainlylodgeaclaimaskingforindemnityfromtheinsurer.Undersuchcircumstancestheinsurancepolicyofthecargobecomesanindispensabledocumenttobepresented.UnderCIFtermandunderpaymentmethodofLetterofCredit(L/C),afters