世纪商务英语口译教程Unit.docx
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世纪商务英语口译教程Unit.docx
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世纪商务英语口译教程Unit
Unit7Insurance
RelatedInformation
TheBasicsofCargoCoverage
1.“ALLRISK”coverage
Thebroadestformofcoverageis“ALLRISK”,which,asamisleadingnameforaninsurancepolicy,provideswidecoverbutdoescontainanumberofexclusions.Theterm“AllRisks”shouldnotbetakentooliterallyandinsomejurisdictionsthetermisnolongerused.
An“ALLRISK”policyinsuresapprovedgeneralmerchandiseintheeventofphysicallossordamagefromanyexternalcause.Thisincludesnewpackagedgoodswithoutunusualsusceptibilitytolossfrombreakage,pilferage,orthenatureofthegoodsthemselves.“ALLRISK”policiesdonotcoveralllossespossibleinthecourseofaninternationalshipment.
2.GeneralAverage
Inordertosaveashipinperilofsinkingduringastorm,someofthecargomayhavetobethrownoverboard.Theshipownerandtheownersofthesavedcargoobviouslybenefitattheexpenseoftheownersofthejettisonedcargo.Thiswasdeemedunfairandtheprincipleof“GeneralAverage”evolvedsothatallpartieswouldcontributeinsuchasituation.
3.(With)ParticularAverage(WPA)
Inoceanmarineinsurance,ParticularAveragereferstoalosseitherpartialortotal,whichfallsononeormorepropertyorinterestbeingshipped,asopposedtoageneralaverage.
4.FreeofParticularAverage(FPA)
Thisisanoceanmarinepolicyprovisionwherecoverageisprovidedonlyifatotallossoftheinsuredpropertyoccursfromaninsuredperil.
FPA(Americanclause)islimitedcoveragethatusuallyappliestousedmerchandise,wastematerialsandgoodsshippedsubjecttoanondeckbilloflading.ItcoverspartialandtotallossesduetoFPAperils,whichincludethesinking,stranding,burningorcollisionofthevesselsorcatastrophicperilsonshoresuchasearthquake,derailment,collapseofdock,fire,etc.
5.WARRISK
Specialcoverageoncargoinoverseasshipsagainsttheriskofbeingconfiscatedbyagovernmentinwartime.Itisexcludedfromstandardoceanmarineinsuranceandcanbepurchasedseparately.
6.InherentVice
Certaingoodsare,bytheirverynature,susceptibletodamageanditwouldbeunreasonabletoexpectinsurerstopayforsuchdamage.ExamplesofInherentVicearedeteriorationofPerishableGoods,spontaneousfermentationorcombustionofimproperlydriedgrain.
7.WAREHOUSETOWAREHOUSEprotection
Mostcargoinsuranceprotectsgoodsintransitfromthetimetheyleavetheshipper’swarehouseuntiltheyreachtheconsignee’swarehouse,aslongastheyarenottakenoutofthenormalcourseoftransitbytheinsured.
Lead-in
1.Listening
1.D2.B
TapeScript:
TimistalkingtoJuddabouttheinsuranceofaproductorder.
Tim:
Goodmorning,thisisTim.IsthatJudd?
Judd:
Yes,thisisJuddspeaking.
Tim:
I’mcallingtodiscusstheinsurancecoverageyourequestedforyourorder.
Judd:
Good,werequestedanamountthirtypercentabovetheinvoicevalue.
Tim:
Wehavenoproblemcomplyingwithyourrequest,butwethinkthattheamountisabitexcessive.Youknowaccordingtoourusualpractice,weinsurethegoodsonlyfor10%abovetheinvoicevalue.
Judd:
Yeah,butinthepast,we’vereallybeenputinabindbecauseofdamagedgoods.
Tim:
Iunderstandyourconcern.However,usualcoverageforgoodsofthistypeisthetotalinvoiceamountplusonlytenpercent.
Judd:
Wecouldfeelmorecomfortable,though,withthirtypercent.
Tim:
Unfortunately,ifyouwanttheincreaseincoverage,theextrapremiumwillbeforyouraccount.
Judd:
Butshouldn’tyourquotationincludeadequatecoverageagainstrisks?
Tim:
Thatquotationinvolvednormalcoverage,butnotall.SoIsuggestyoucontactyourinsuranceagentthereandcomparerates.
Judd:
OK.Thanks.I’llcheckitout.
2.SpotDictation
Part11.T2.T3.F4.F5.F
Part21.practice2.insurance3.insure
4.thePeople’sInsuranceCompanyofChina5.premium6.covered
TapeScript:
Sophia:
Accordingtoourusualpractice,wedobusinesswithourcustomersonaCIFbasis,Mr.Smith.
Smith:
That’sgood.Itwillsaveusalotoftimebecausewedon’tneedtodealwithsomanyinsuranceformalities.ButI’dliketoknowhowmuchthepremiumis.
Sophia:
Well,Mr.Smith,itwillvaryaccordingtothetypesofriskstobecovered.
Smith:
Isee.Whichcompanydoyouusuallyinsurewith?
Sophia:
WealwaysinsureourgoodswiththePeople’sInsuranceCompanyofChina.
Smith:
That’sgreat.MayIaskwhatinsuranceyouwillcoveraccordingtoyourusualCIFtermsfortheseglassware?
Sophia:
WeusuallyinsureagainstAllRisksforglassware.
Smith:
IncludingWarRisk?
Sophia:
No,WarRiskisaspecialadditionalriskandithastobearrangedseparately.Generallyspeaking,itisnotnecessarytoinsureagainstthatrisk,asAllRiskshasprovidedenoughprotectiontoyourorder.
Smith:
Isee.Thankyouforyourinfo
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