教案 Insurance解析.docx
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教案 Insurance解析.docx
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教案Insurance解析
外贸函电课程教案
课题:
Insurances
课时:
周次:
授课日期:
地点:
授课方式及手段:
Lecturing,Task-basedapproach,Questioning,Discussion,Practicing…
教学目标:
Afterstudyingthispart,thestudentsareableto:
1、Tolearnthedifferentkindsofrisksofinsurance.
2、Tolearnusefulexpressionsoninsurance.
3、Topracticewritinglettersofinsurance.
教学重难点:
1、Tolearnsomeknowledgerelatedtoinsurance.
2、Tolearnusefulexpressionsoninsurance.
3、Tolearnhowtowritelettersofinsurance.
教学过程与内容:
PartI
StepOnewarm-up
Questions:
1.Isinsuranceimportant?
2.Howmuchdoyouknowaboutinsurance?
StepTwoPresentation
●Theimportanceofinsurance:
Insuranceisverycloselyrelatedtoforeigntrade.Peopleintheinternationaltradeshouldhaveathoroughknowledgeofitandtheabilitytohandleitsproblems.Insurancewasoriginallyappliedtolossesatsea,whereriskswerealwaysgreat,butitisnotprovidedtocover(投保)almostanykindofoccurrence(不幸事件)thatmayresultinloss.Asalargepercentageofourtradeinandoutofthiscountrygoesbyship,whatmainlyconcernsusisstilltheMarineInsurance.(海运险,水险)
●Knowledgerelatedtoinsurance(p234,p236--238,254)
★Risksformarineinsurance海上运输货物保险的风险
(一)perilsofthesea海上风险
1.naturalcalamity(naturaldisasters)自然灾害
2.fortuitousaccidents意外事故
(二)extraneousrisks外来风险
1.generalextraneousrisks一般外来风险:
雨淋、短量、偷窃、玷污、渗漏等
2.specialextraneousrisks特殊外来风险:
战争、罢工等
★LossesandExpenses损失和费用
(一)Lossesandexpensesofthesea海上损失和费用
1.totalloss(全部损失):
a.actualtotalloss实际全损
b.constructivetotalloss推定全损
2.partialloss(部分损失)a.generalaverage(G.A)共同海损
b.particularaverage单独海损
3.expenses(费用)a.sueandlaborexpenses施救费用,损害防止费用
b.salvagecharges救助费用
(二)Lossesofextraneousrisks外来风险的损失
★ChinaInsuranceClauses(C.I.C.)中国保险条款
1.AccordingtoOceanMarineCargoClause《海洋运输货物保险条款》,threebasicperilscoverageareasfollows:
FPA,WA,andAllRisks.
FreefromParticularAverage(FPA)平安险
WithParticularAverage(WPA)水渍险(principlerisks)基本险
AllRisks(AR)一切险
2.AdditionalRisks(extraneousrisks)附加险
generaladditionalrisks:
(外来风险造成的全部或部分损失,有11种)
a.clashandbreakage碰损、破碎险
b.taintofodor串位险
c.freshwaterand/orraindamage淡水雨淋险
d.theft,pilferageandnon-delivery(T.P.N.D)偷窃,提货不着险
e.shortage短量险f.leakage渗漏险
g.intermixtureandcontamination混杂、玷污险
h.hookdamage钩损险i.rust锈损险
j.sweatandheating受潮受热险k.breakageofpacking包装破裂险
specialadditionalrisks特殊附加险,有8种
a.warrisk
b.strikerisk罢工险strike,riotsandcivilcommotions罢工暴动民变险(SRCC)
c.ondeck舱面险d.aflatoxin黄曲霉素险e.rejection拒收险
f.failuretodelivery交货不到险
g.importduty进口关税险
h.fireriskextensionclause,F.R.E.C.–forstorageofcargoatdestinationHongkong,includingKowloon,orMacao.货物出口到香港(包括九龙)或澳门存仓火险责任扩展条款
★InstituteCargoClause(I.C.C)由英国伦敦保险业协会所制定的《协会货物条款》
I.C.C(A)(B)(C)
C.I.CAllRisksWAFPA
I.C.C协会其他的条款
4)InstituteWarClauses协会战争险条款
5)InstituteStrikeClauses协会罢工险条款
6)MaliciousDamageClause恶意损害险
★Sometermsusedoninsurance:
◎parties:
insurer/underwriter:
insurancecompanies(保险人,承保人)
theinsured:
被保险人(是否是投保人)
◎exclusions:
除外责任(即不保的方面/范围):
notcoverlosses,damagesandexpensescausedbydelayorinherentvice.(不保因延误或货物内部缺陷所造成的损失、损坏和费用)
◎W/WClause:
warehousetowarehouseclause仓至仓条款(保险责任起讫期限)
◎franchise:
免赔率
◎thePeople’sInsuranceCompanyofChina中国人民保险公司(PICC)
◎insurancevalue/amount保险金额
◎insurancepremium保险费
◎insurancerate保险费率
◎doubleinsurance双保险
◎insurancepolicy/certificate保险单/凭证
◎openpolicy预约保险单
◎insuranceagent保险代理
◎tocover/effect/arrange/takeoutinsurance办理保险,投保
◎surveyor鉴定人,检验员,公证人
StepThreeRevision
Askthestudentstosaysomethingaboutthetermsrelatedtoinsurance.
PartII
StepOneWarmupforLesson33
Questions:
1.Whowritestheletter?
Theseller.
2.Whatquestiondoesthebuyerask?
Insurance.
3.Howdoesthesellerreplyto?
AllRisks:
canprovidesuchcoverageataslightlyhigherpremium.
Breakage;chargeanextrapremium.Franchiseis5%.
Valuetobeinsured:
for10%aboveinvoicevalue.
StepTwoPresentationforLesson33
Abouttheletter:
Thesellerreceivesaletterfromthebuyer,askingforinsurance.Thesellergiveshimareply.Inhisletter,hestatesclearlyaboutinsurancefromthefollowingaspects:
allrisks,breakage,valuetobeinsured.
1.insurance:
句式:
cover(arrange/effect/provide/takeout)+insurance+ongoods(order/contract)+againstrisks+for(at)insuranceamount+atpremiumorrateofpremium+with[in]aninsurer就…(货物)向…(保险商)按…%的保险费率投保…(险别)
a.Haveyoutakenoutinsuranceforusonthegoods?
b.Wehavecoveredinsuranceonthe100metrictonsofwoolfor110%oftheinvoicevalueagainstallrisks.
c.Wehavecoveredinsuranceonthe400casesofmedicalinstrumentfor110%oftheinvoicevalueagainstallriskswithPICC.
d.Wewillarrange(effect)insuranceonyourbehalf.我们愿代你方投保。
e.Wethinkitsimplertohavetheinsurancetakencareofbyyou.由你方办理保险比较简单。
f.I’dliketohavetheinsuranceofthegoodscoveredat130%oftheinvoiceamount.我们希望货物按发票金额的130%投保。
2.cover.v.给…保险,投保(宾语可为货物/险别/被保险人和insurance)
①coverinsuranceWPA(FPA,againstAllRisks)onthegoods.
②tocoverthegoods/theconsignmentagainstallrisks
注意:
平安险和水渍险两个险别,在表示投保时,前面不再用介词against.
Pleasecover(insure)thegoodsWithParticularAverage(WPA).请给货物投保水渍险
WewishtocovertheconsignmentagainstAllRisks.
③tocoverallrisks(WPA,FPA)foryou.
④tocoverallrisks(WPA,FPA)and(against)WarRisk(s)withaninsurancecompany.
⑤tocover+sb+againstariskTheinsurancepolicycoversusagainstbreakage.
(在WPA,FPA的情况下可以省略against吗?
)
(u.n)(保险业)保险
①toprovide(get/takeout)coveragainstbreakage投保破碎险
②PleasetakeoutcoveronallourpurchasesofLeathersagainstTPND,ContaminationandRaininadditiontoWPA.对于我方订购的皮革,请全部投保水渍险,另加偷窃和提货不着险、污染险和雨淋险。
③getcoverfor130%oftheinvoicevalue.按发票金额的130%投保
coverage(n)(c.n)承保险别(总称),保险范围;(u.n)投保额;保险
①Wewantapolicywithamoreextensivecoverage.我们需要范围较广泛的保险单。
②Regardinginsurance,thecoverageisfor110%oftheinvoicevalueuptotheportofdestination.关于保险,按110%的发票金额投保,至目的港止。
(投保额)
③Wewillarrangecoverage(insurance)onyourbehalf.(保险)
注意:
最好不要用coverage代替insurance以免引起误解。
3.intheabsenceof…如果没有
4.premium保险费extrapremium.Theadditionalinsurancepremiumisforthebuyer’saccount.
5.claim(n).索赔,赔偿要求
表示索赔的原因,一般接介词for,如claimfordamage;claimforshortdelivery短装而索赔
表示索赔的金额,一般接介词for,如claimforUS$10,000
表示对某批货物索赔,一般接介词on,如claimonthegoods;
表示向某人索赔,一般接介词against,如claimagainsttheunderwriters.
为某事向某人提出索赔的常用句型是:
lodgeaclaimagainst(间用with或on或upon)sbforsth
lodgeaclaimon/upon(goods,cargo,shipment)for(damageorloss;shortage;qualityandamount,value)
说“提出”索赔,除lodge外,较常用的动词还有raise,file和putin,此外,还可以用make,issue,lay,register,render,enter,bringup,setup等。
a.WeshalllodgeaclaimagainsttheInsuranceCompanyforthegoodsdamagedduringtransit.
对于货物在运输途中损坏,我们将向保险公司提出索赔。
b.Wefileaclaimagainstyoufortheshortdeliveryof145lbs.我们向你方提出短交145磅的索赔。
claim和其他动词搭配的部分常见短语:
acceptaclaim同意索赔admitaclaim同意索赔entertainaclaim受理索赔
dismissaclaim驳回索赔rejectaclaim拒绝索赔relinquishaclaim撤回索赔
settleaclaim解决索赔(理赔)waiveaclaim放弃索赔withdrawaclaim撤回索赔
claim(v).索赔,要求赔偿
通常作及物动词,宾语为索赔的金额或compensation,amount,sum,allowance等名词,间或作不及物动词。
部分常用短语如下,注意介词的一般用法:
toclaimUS$10,000索赔美圆一万元
toclaimacompensationofUS$10,000要求赔偿美圆一万元
toclaimUS$10,000fordamage因损坏而索赔美圆一万元
toclaimUS$10,000onthegoods对该货索赔美圆一万元
toclaimUS$10,000fromtheunderwriters向保险公司索赔美圆一万元
claim:
vttoclaim(acompensationof)…fromsbforsth为某事向某人索赔若干金额
a.Ourclientsclaimanallowanceofatleast50centsperyard.Failingthis,theywillreshipthegoodsbacktous.客户要求每码至少折价50美分,否则他们便会将货物运回我处。
b.Wereservetherighttoclaimcompensationfromyouforanydamage.我们保留对任何破损向你方索赔得权利。
c.Thebuyerclaimsasumfromthesellerforinsufficientofquantityoncottonpiecegoods.因棉布数量不足向卖方索赔一笔款项。
claim:
(vi)(可跟on/from)
a.Thisdamagewasduetotheroughhandlingbytheshippingcompany.Youshouldclaimonthemforrecoveryoftheloss.(claimon:
要求索赔)
损坏系轮船公司野蛮搬运所致。
你们应向他们提出索赔以挽回损失。
b.Wouldyoupleasereturnthebrokenitemssothatwecanclaimfromourinsurancecompany.
请退回破损的货品以便我们能向保险公司索赔。
6.insure(v.)保险,给…投保
注意:
说明投保的不同情况时,要求使用不同的介词。
①insureW.P.A.(F.P.A.,againstAllRisks…)for(at)…(amount)按…金额投保…
WegenerallyinsureWPAonCIFsales.按CIF价出售的货物,我们一般投保水渍险。
注意:
平安险和水渍险两个险别,在表示投保时,前面不再用介词against.
PleaseinsureagainstAllRisksfor10%over(above)thetotalinvoicevalue.请按发票总金额的110%投保一切险。
WehaveinsuredW.P.A.andagainstWarRiskat110%oftheinvoicecost.
Pleaseinsureagainstbreakage.
②toinsure(cover)thegoods/theconsignmentagainstallrisksattherateof..forthesumof..with…(insurancecompany)注意:
平安险和水渍险两个险别,在表示投保时,前面不再用介词against.
Pleaseinsurethegoodsagainstallrisksandagainstwarrisk.
Wehaveinsured(covered)thegoodsF.P.A.andagainstWarRiskattherateof0.5%forthesumofU.S.$45,000withtheinsurancecompany.我们已为该货向保险公司投保平安险和战争险,保险费率是0.5%,投保额为45,000美元。
③Theinsurancecompanyhereinsuresthisriskwith5%franchise.
7.for10%abovetheinvoicevalue按发票金额的110%
similarexpressions:
①for110%oftheinvoicevalue(cost/amount)
②for(anamountof)10%abovetheinvoicevalue(cost/amount)
③for10%over(above)theinvoicevalue(cost/amount)
④fortheinvoicevalue(amount/cost)plus10%
⑤atinvoiceplus10%
StepThreeConsolidation
TranslatethelessonintoChinese.Payattentiontothefollowingwords:
insurance,cover,insure,cover
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