外贸英语函电Unit 10 Insurance.ppt

Unit 10 Insurance Content Introduction Background information Case study Case 1 Useful phrases Exercises Ⅰ. The purpose of insurance ——to provide compensation for those who suffer from loss or damage. It is a contract of indemnity Ⅱ. Parties involved in insurance the insurer the party who agree to accept the risk the insured the party seeking protection from the risk the beneficiary can be same person the party who will get the compensation when any loss occur Insurance policy 保险单 Contract between the insurer and the insured Insurance premium The sum of money the insured agrees to pay the insurer for an insurance policy Insurance amount Background information Marine risk Average Coverage 风险： risks, perils total loss 损失：losses particular average partial loss (单独海损） general average （共同海损） 险别：risks, perils, coverages 保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着紧密的联系，为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解。 Marine risk Perils of the sea(海上风险) natural calamities: fortuitous accidents Extraneous risks Perils of the sea natural calamities: heavy weather, lightening, earthquake, volcanic eruption and so on. fortuitous accidents: fire, explosion, vessel being stranded, grounded, sunk or capsized, collision or contact of vessel with any external object other than water Extraneous risks General Extraneous Risks: theft and pilferage, contamination, leakage, breakage, sweating and/or heating, taint of odor, rusting, hook damage, fresh and/or rain water damage, short-delivery and non-delivery, shortage in weight, clashing and so on. Special Extraneous Risks: war, strike, failure to deliver due to