外贸英语口语UNIT13

　　UNIT 13  Insurance

      Mr Smith, a New Zealand businessman, is importing a bunch of porcelain¹ ware² from China. The price terms have been fixed³ on C&F Auckland basics. After loading the good on board the ship, Mr Smith goes to the Insurance Company to have the porcelain ware insured. Mr Zhao meets with him in the office of the People’s Insurance Company of China.

　　Z: Good morning.

　　S: Good morning. I’m John Smith, a New Zealand businessman, and I’m looking for insurance from your company.

　　Z: Welcome, my name is Zhao, take a seat, please.

　　S: Thank you Mr Zhao, what kind of insurance are you able to provide for my consignment⁴？

　　Z：With able to cover all kind of risks for transportation by sea, land and air.

　　S: I have a bunch of porcelain ware to be shipped to New Zealand. What risks should be covered?

　　Z: We can serve you with a broad range of coverage⁵ against all kind of risks for sea transport. Such as Free from Particular Average, With Particular Average, all risks and extraneous⁶ risks. It’s better for you to scan this leaflet first and then make a decision.

　　S: FPA, that means Free from Particular Average, is good enough. What do you think?

　　Z: Sure you can. Do as you pleased. But don’t you wish to arrange for WPA? And additional coverage against risk of breakage? These suit your consignment.

　　S: Em, Perhaps you are right. I will have the goods covered as you said.

　　Z: Very good. Please fill in the application form. You need to write everywhere clearly.

　　S: Sure I will. Mr Zhao, I finished. Please help me to have a check to see if everything is correct.

　　Z: Ok, let me read it. Insurer: John Smith. Description of the goods: Porcelain. Mode of transport & name of vessel⁷: SS Huayuan. Coverage: WPA plus risk of breakage. Oh, Mr Smith, why both the loading port and unloading port are missing.

　　S: Oh.. Terribly sorry. I forgot that. The Loading port is Xin Gang and the unloading port is Auckland. Here you are. Now what’s it the insurance premium⁸?

　　Z: The premium is to be calculated in this way. First find out the premium rate for a porcelain. That is 0.3%, and secondary consider what risks are covered. What you have covered is WPA plus risk of breakage. So the total premium is.

　　S: Good, Mr Zhao, thank you for your assistance.

　　Z: Don’t mention it. See you again.

　　S: See you again.

　　Dialogue1:

　　A: What do your insurance clauses cover?

　　B: There are three basic covers, namely, Free from Particular Average,With Particular Average and All risks.

　　A: If we conclude the business on CIF basic, what coverage will you take out for the goods?

　　B: Generally speaking, we only insure the goods with particular average.

　　A: Do you cover risks other than WPA? For instance, TPND, risk of leakage⁹, risk of breakage, fresh or rain water damage.

　　B: According to international practice, we do not insure against such risks , unless they are called for the buyer. And the buyer will pay for the extra premium.

　　A: Another thing, we would like to have the good insured for 130% of the invoice¹⁰ value. Do you think that can be done?

　　B: You know, our usual practice is to insure the goods at 110% of the invoice value. If you insist that you have the goods insured for 130% of the invoice value, I think that can be done. But the premium for the difference between 110% and 130% of the invoice value should be for your account.

　　B: That’s understood.

　　Dialogue2:

　　A: May I ask you a few questions about insurance?

　　B: Yes, go ahead, please.

　　A: Now we have given a CIF Shanghai price for some steal price, what insurance rate do you suggest we should get?

　　B: Well, obviously, you won’t want all risks cover.

　　A: Why not?

　　B: Because they are not delicate goods and won’t likely be damaged on the voyage. FPA will be good enough.

　　A: then am I right in understanding that, FPA does not cover partial loss of the nature of particular average.

　　B: That’s right. On the other hand, a WPA policy covers you against partial loss in all cases.

　　A: Oh, I see. Thank you very much.

　　本文本由oo水靈児oo网友听写，非常感谢他的分享。如有错误，欢迎指出。

1 porcelain   

n.瓷；adj.瓷的，瓷制的

参考例句：

• These porcelain plates have rather original designs on them.这些瓷盘的花纹很别致。
• The porcelain vase is enveloped in cotton.瓷花瓶用棉花裹着。

2 ware   

n.(常用复数)商品，货物

参考例句：

• The shop sells a great variety of porcelain ware.这家店铺出售品种繁多的瓷器。
• Good ware will never want a chapman.好货不须叫卖。

3 fixed   

adj.固定的，不变的，准备好的；(计算机)固定的

参考例句：

• Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗？
• Once the aim is fixed,we should not change it arbitrarily.目标一旦确定，我们就不应该随意改变。

4 consignment   

n.寄售；发货；委托；交运货物

参考例句：

• This last consignment of hosiery is quite up to standard.这批新到的针织品完全符合规格。
• We have to ask you to dispatch the consignment immediately.我们得要求你立即发送该批货物。

5 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

6 extraneous   

adj.体外的；外来的；外部的

参考例句：

• I can choose to ignore these extraneous thoughts.我可以选择无视这些外来的想法。
• Reductant from an extraneous source is introduced.外来的还原剂被引进来。

7 vessel   

n.船舶；容器，器皿；管，导管，血管

参考例句：

• The vessel is fully loaded with cargo for Shanghai.这艘船满载货物驶往上海。
• You should put the water into a vessel.你应该把水装入容器中。

8 premium   

n.加付款；赠品；adj.高级的；售价高的

参考例句：

• You have to pay a premium for express delivery.寄快递你得付额外费用。
• Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后，清水便因稀而贵了。

9 leakage   

n.漏，泄漏；泄漏物；漏出量

参考例句：

• Large areas of land have been contaminated by the leakage from the nuclear reactor.大片地区都被核反应堆的泄漏物污染了。
• The continuing leakage is the result of the long crack in the pipe.这根管子上的那一条裂缝致使渗漏不断。

10 invoice   

vt.开发票；n.发票，装货清单

参考例句：

• The seller has to issue a tax invoice.销售者必须开具税务发票。
• We will then send you an invoice for the total course fees.然后我们会把全部课程费用的发票寄给你。