英文外贸函电C11-邮件.ppt

Foreign Trade Letters Chapter Eleven Insurance Objectives Warming-Up Related Knowledge Useful words expressions Sample Letter 1, 2, 3 Exercises Objectives Insurance words, phrases and expressions How to make insurance How to write a business letter about insurance Warming-up Why Are Goods Insured Goods are always insured in transit through an insurance company or insurance brokers. Claims for damage or loss may be made if the goods have been damaged, lost or interfered within transit. If the consignee is informed that the goods have arrived damaged, he should immediately notify the insurer’s agent at the port of discharge who will survey the goods and issue a survey report. Then he could claim indemnity from the insurer by producing the insurance policy, survey report and other necessary documents. Warming-Up Who will effect insurance? Usually insurance is arranged by the exporter or the importer approaching an insurance company, which has a department specializing in cargo insurance. Who will effect insurance depends on the particular trade terms adopted. Warming-Up Under CIF terms, it is the seller who arranges insurance with an insurance company. Under the terms of FOB, CFR, etc., the buyer effects insurance, but he may ask the seller to arrange insurance on behalf of the buyer. Read the following short passage When you buy insurance, you enter into a written agreement with the insurance company. This agreement is called a policy. The person who buys insurance is the policyholder. According to the agreement, the insurance company promises to pay the policyholder if certain types of losses occur. The policy states exactly what losses the company will pay for. For the protection, the policyholder makes regular payments to the insurance company. Each payment is called a premium. Parties involved: insurance company???? insurer???????????????? insurance broker??????? insurance underwriter?? insurance applicant???? insurant,