外贸函电--Insurance精品.pptVIP

Unit Eleven  Insurance What is the purpose of insurance? house against fire. You can insure your car against accident/theft. nose against harm. life insurance. 人寿险 health insurance. You can effect a endowment insurance.养老保险 accident insurance. burglary and robbery insurance. cargo 关系？ 风险： risks, perils total loss 损失：losses particular average partial loss (单独海损） general average （共同海损） 险别：risks, perils, coverages 保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着紧密的联系，为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解。 Risks in Cargo Transportation Risks in cargo transportation are of many kinds. Different risks mean different losses And different risks are covered by different insurance clauses and different insurance clauses mean different premiums保险费 . So we need to have a good understanding of the different risks and losses before we know how to effect insurance. In marine cargo transportation insurance, risks fall into perils of the sea海难 and extraneous risks外来风险. Perils in Ocean Transportation 1.Perils of the Sea海难/海上风险 Natural calamities海上发生的自然灾害 Fortuitous accidents意外事故 2.Extraneous risks外来风险 General extraneous risks Special extraneous risks Part 1. Perils in Ocean Transportation kinds of perils 风险种类 In marine insurance, perils are generally of two kinds. 1. Perils of the sea 海上风险（又称海难） （1）Natural calamities 海上发生的自然灾害 Natural calamities cover vile weather(恶劣气候)，thunder and lightening(雷电)，tsunami(海啸， tidal waves), earthquake, floods and other irresistible disasters.（不可抗