自考国际商务英语lesson16.pptVIP

International Business English Lesson 16 Insurance (II) Business Knowledge (1) Three main principles of insurance A. Insurable interest B. Utmost good faith Indemnity (2) Two sub-principles of insurance A. Contribution B. Subrogation The doctrine of proximate cause (4) Three basic types of marine insurance A. Free from particular average (F.P.A.) B. With particular average (W.A.) C. All risks Trade Terms 1. Port of origin 始发港 2. Voidable 无效的 3. Indemnity 赔偿原则: It holds that a contract of insurance is one, which restores a person who suffered a loss into the same position as he was before the loss occurred. 4. Ruin 破产 5. Insurable interest 可保利益: It holds that no one may insure anything unless he has and interest in it. (Which means that if the thing insured is preserved he will derive a benefit form its preservation, but if it is any way damaged or lost the assured will be adversely affect.) 6. Terms of sale 价格条件、买卖条款 7. All Risks 全险、一切险、综合险 8. Principle of utmost good faith 最大诚信原则：The people who decide what premium is fair for a particular cover do so on the basis of written statements made in a proposal form. 9. Subrogation 代位求偿原则 10.Contribution 分摊原则: It holds that a person cannot be allowed to insure twice for the same risk, and claim compensation from both insurers. If two policies do cover the same event, the insurance companies contribute pro rata to the loss, and the insured is only restored to the indemnity position. 11. Proximate cause of the loss 近因原则: It means that when an insurance policy is made out to cover a certain risk, a claim becomes payable only if that risk occurred as the proximate (closest) cause of the loss suffered. 12. Forwarding charges 转运费 13. F. P.A.平安险: Free from particular average 14. W.P.A. (Or W.A.) 水渍险: With particular average 15. Adversely affected 受到负面影响 16. Force majeure 不可抗力: Social or natural calamities that take place beyond the control of a contraction party. An insurance contract without insurable interest to support is