实用商务英语函电课件-Unit 10..ppt

Unit 10 Insurance Introduction It is customary to insure goods sold for export against the risks of the journey. Why？ In international trade, the transaction of goods from the seller to the buyer is generally over a long distance by air, by land or by sea and has to go through the procedures of loading, unloading and storing. During this process, it is quite possible that the goods will encounter various kinds of risks and sometimes suffer losses. In order to protect the goods against possible loss in case of such risks, the buyers or sellers before the transportation of the goods usually apply to an insurance company for insurance covering the goods in transit. 为了保护货物免受这类风险可能性造成的损失，买方或卖方常常在运输前向保险公司提出申请为运输途中的货物保险。 Main terms involved the insured (the customer) the insurer (an insurance company) the premium Insurance Policy CIC ICC ▲CIC/C.I.C. (China Insurances Clauses) Ocean Marine Cargo Insurance Overland Transportation Air Transportation Parcel Transportation Additional Clauses Ocean Marine Cargo Insurance Basic coverage: Free from Particular Average/F.P.A With Particular Average/W.A/W.P.A All Risks/A.R. Additional coverage General Additional Coverage (11) Special Additional Coverage (8) ICC/I.C.C. (Institute Cargo Clauses) ICC(A) ICC(B) ICC(C) Institute War Clause—Cargo Institute Strikes Clause—Cargo Malicious Damage Clause How to calculate the premium? the premium = insurance value ×premium rate(应付保费=投保金额×保险费率) 投保金额= CIF 价× (1+投保加成率） e.g. 某批出口货物发票总金额为CIF12000美元，信用证规定按发票金额110%投保一切险和战争险，两险的费率合计为0.6%，其保费应为多少？ Key: 12000×110%×0.6%=79.20（USD） How to calculate the premium? What is the total premium if the buyer asks the seller to cover insurance for invoice value plus 30%? Does the seller have to pay for the total premium? If not, who is to pay for the additional premium? And how much? Attention For CIF transactions, we usually effect/cover insurance for 110% of the invoice value against…(risks), that is