外贸英语函电 unit ten.ppt

Unit TenInsurance Insurance The purpose of insurance is to provide compensation for those who suffer from loss and damage the business of providing insurance 保险业 the money you pay regularly to an insurance company = insurance premium 保险金 The contract of insurance is insurance policy 保单 Classifications of Insurance Concerning means of transportation, there are four kinds of basic insurance: Marine insurance Land transportation insurance Air transportation insurance Mail/Parcel transportation insurance Parties Involved in Insurance insurer: a person or company that provides insurance = insurance underwriter 保险商 insured: a person whose life or property is insured an insured, 投保人 policy-holder: someone who has bought insurance for something, the owner of an insurance policy 保单持有人 (insurance) assessor: （保险）估损员 (insurance) surveyor:（保险）勘查员，调查员 Natural Calamities refer to the calamities caused by the forces of Nature, such as heavy weather, lightning, tsunami, earthquake, and flood. Accidents refer to the events happened unexpectedly, such as the carrying conveyance being grounded, stranded, sunk or in collision with floating ice or other objects as well as fire or explosion. Main types of insurance FPA (Free from particular average)平安险 It is a limited form of cargo insurance only provides coverage for total losses and general average emerging from the actual “marine perils” like vessel being stranded or sunk. Main types of insurance WPA (With particular average) 水渍险 It is a wider cover than FPA. It provides extensive cover, including partial loss or damage which may be attributed to natural disasters. Main types of insurance All Risks 一切险 It is the most comprehensive of the three basic coverage. The insurer is responsible for all total or partial loss of, or damage to the goods insured either from sea perils or general external causes. General Average 共同海损 It is a loss resulting from a voluntary