Unit9Insurance-精.pptVIP

Part One: Teaching Aims Requirements 1. Help students to learn and master key words, phrases and sentence patterns about insurance 2. Help students to learn how to write a business letter about insurance 3. Help students to learn some additional sentence patterns about insurance 4. Help students to identify various risks covered in foreign trade and grasp the technical or special words used in insurance. Part Two: Background Knowledge I. Kinds of Risks 1. Perils of the Sea The perils of the sea includes both natural calamities (earthquake, heavy weather ) and fortuitous accidents (fire, smoking, stranding, sinking, collision, etc. ) 2. Extraneous Risks Risks caused by theft, rain, leakage, shortage, breakage, dampness, mildewing, heating, taint of odor, hooking and rusting are general extraneous risks. Risks caused by war, strikes, failure of delivery and rejection, etc. are special extraneous risks.  Ⅱ. Total Loss and Partial Loss 1. Total Loss falls into two catagories: 1).Actual Total Loss means the whole lot of the consignment has been lost or damaged or found valueless upon arrival at the port of destination. 2).Constructive Total Lossis found in the case where the actual total loss of the insured goods is unavoidable, or the ship or the consignment has to be abandoned because the cost of salvage or recovery would exceed the value of the ship and the consignment in sound condition upon the arrival of the port of destination. 2. Partial Loss is normally divided into General Average and Particular Average. Particular average means a loss that is borne solely by the owner of the lost property (ship or cargo) and general average means a sacrifice made for the common safety of both the cargo and the ship. III. Main Types of Insurance Coverage 1. Free Particular Average (FPA) 2. With Particular Average/ With Average (WPA/WA) 3. All Risks (A.R.) Ⅳ. Additional Risks 1. General Additional Risks General additional risks cover the losses caused by general