国际贸易实用英语 作者 姜宏 Unit 5 Insurance.pptVIP

When filing a claim, the assured usually need to give a preliminary notice of claim and formal notice of claim. The insured must file a preliminary claim by notifying the carrier of a potential claim as soon as the loss is known or expected. A formal claim may follow when the nature and value of the loss or damage is ascertained. The formal claim form should be submitted with certain documents: a copy of the commercial invoice, a signed copy of bill of adding/air waybill, the original certificate of insurance, a copy of the claim against the carrier or reply thereto, the survey report, if done by the surveyor, possibly an outturn report, a packing list, and a copy of the receipt given to the carrier on delivery of the merchandise. It could also include photographs, repair invoice, any correspondence with ship-owner or other third parties, letter of subrogation which transfers any rights of claimant against carriers to the insurer, and an affidavit from the carrier, if possible. If the claim is covered by the policy and claims procedures are appropriately followed, the insurance company will pay the insured. If the insurance company declines to approve payment, the insured could pursue arbitration or other dispute settlement procedures as provided in the insurance contract. Technical Words and Phrases 1.Cover [k?v?] n. insurance (against loss, injury, etc) 保险（以防损失、伤亡等）；a policy that gives cover against fire 投保火险的保险单；v. cover sb/sth (against/for sth). Insure sb/sth against losss, etc.为某人/某物投保。Are you fully covered against/for fire and theft? 2.Marine insurance [m?ri:n in?u?r?ns] insurance of ships and cargo海上保险 3.Insurance policy/contract/certificate：n. contract between the insurance company and the insured保险单，保险合同，保险证明 4.The insured [in?u?d] n. person or people to whom payment will be made in the case of loss, etc. 被保险人 5.Insurer [in?u?r?] n. person or company undertaking to make payment in case of loss, etc.承保人，保险公司 6.Premium rate保险费率 7.Preferential