UNIT 15 INSURANCE

Unit15insuranceWarmup:GIInsuranceAirmanJoneswasassignedtotheinductioncenter,whereheadvisednewrecruitsabouttheirgovernmentbenefits,especiallytheirGIinsurance.Pleasefinishthestory:分派新兵招募中心新兵Itwasn‘tlongbeforeCaptainSmithnoticedthatAirmanJoneswashavingastaggeringlyhighsuccess-rate,sellinginsurancetonearly100%oftherecruitsheadvised.超乎想象地Ratherthanaskinghimaboutthis,theCaptaingotolistentoJones’salespitch.推销的话CaptainsmitharesodejectedafterhelistentothepitchofJones,why？颓丧Jonesexplainedtothenewrecruits,"IfyouarekilledinabattleandhaveaGIInsurance,thegovernmenthastopay$200,000toyourbeneficiaries.But,ifyoudon'thaveaGIinsuranceandgetkilledinthebattle,thegovernmentonlyhastopayamaximumof$6000.""Now,whichgroupdoyouthinktheyaregoingtosendintobattlefirst?"Dialogue1 LiYanisdiscussingtheinsuranceclausewithSusan. L:Susan.Shallweturntoinsurance? S:It’sfinewithme.YourquotationisonCIFbasis.Howdoyoucoverinsurance? L:Usually,weinsurethegoodsagainstWPAfor110%oftheinvoicevaluewithPICC,People’sInsuranceCompanyofChina,aspertheirOceanMarineCargoClause. S:IhavetosaythatIknowlittleaboutthisclause.Couldyouexplainitalittle? L:Sure.OMCCprovidescoverageofthreebasicrisks,someadditionalrisksandsomespecialadditionalrisks.ThethreebasicrisksareFPA,WPAandAllRisks.Coversb/sth(against/forsth)V.Toprotectsbagainstlose,injury,etc.byinsurance给……保险Areyoufullycoveredforfireandtheft?你是否充分地保了火险和盗窃险？n.英国用法。在美国英语中为coverage（保险公司的）保险Insure(yourself/sth)(against/forsth)v.投保、给……保险Insured被保险的、被保险人WithParticularAverageW.P.A.水渍险AspersthFollowingsththathasbeendecided依照、依据 S:Li,couldyougointodetails? L:Roughlyspeaking,FPAstandsforFreefromParticularAverage.Itcoverstotallossesresultingfrombothnaturaldisastersandaccidents,andpartiallossescausedbyaccidents.WPAstandsforWithParticularAverage,whichhasabroadercoverage.ItcoverseverythinginFPA,andpartiallossescausedbynaturaldisaster. S:WhataboutAllRisks? L:AllRisksmeansWPAplusadditionalrisk,risksnotincidentaltotransportbysea. S:Oh,Isee.GointodetailsToexplainsthfully详细叙述、逐一说明Roughlyspeaking粗略地说StandforsthTobeanabbreviationorsymbolofsth是……的意思、代表Incidentala.附带发生的、次要的、伴随而来的happeningasanaturalresultofsth.Review:CargoTransportInsurance OceanMarineInsuranceUnderC.I.C.BasicRisksCoverageforOceanTransportationUnderC.I.C.FreeFromParticularAverageF.P.A.平安险WithParticularAverageW.P.A.水渍险AllRisks一切险C.I.CChinaInsuranceClauseOMCCOceanMarineCargoClause OceanMarineInsuranceUnderC.I.C.AdditionalRisksCoverageforOceanTransportationUnderC.I.C.Theft,pilferage,andnon-deliveryT.P.N.D.偷窃和提货不着险Freshwaterand/orraindamage淡水雨淋险Shortage短量险Intermixtureandcontamination沾污混杂险Leakage渗漏险Clashandbreakage碰损险Contaminatev.Tomakeasubstancedirtybyaddingasubstancethatisdangerousorcarriesdisease污染、弄脏Contaminationn. OceanMarineInsuranceUnderC.I.C.AdditionalRisksCoverageforOceanTransportationUnderC.I.C.Taintofodor串味险Sweatandheating受热受潮险Hookdamage钩损险Breakageofpacking包装破损险rust锈损险WarRisks战争险SRCC罢工、暴动、民变险Ondeck舱面险Importduty进口关税险Rejection拒收险Aflatoxin黄曲霉素险Failuretodeliver交货不到险Fireriskextensionclause港澳存仓火险SRCCStrike,riot,civilcommotionRiot暴乱、骚乱Commotion（突然发生的）骚动、骚乱Aflatoxin花生、棉籽、大豆、小麦、高粱、坚果等滋生的黄曲菌的毒素，中毒时体重下降、运动失调、抽搐和死亡。Easydialogue1 PleasetalkinEnglishbasingonunder-mentionedChinesedialogueA：下午好，怀特先生。我想、我们需要谈谈新的保险条款了。B：是的，应该谈了。我看、我们应该选择适当的险别来保护我们的货物。A：您知道，在CIF报价中我们通常投保水渍险。像偷窃和提货不着、漏损险、破损险、油污险、淡水险这样的特殊风险，如果你们要求的话，也可以投保。B：那罢工险呢？我们能要求你投保罢工险吗？A：可以，我们接受。Easydialogue1A:Goodafternoon,Mr.White.Ithinkweneedtodiscussthetermsofinsuranceforournewcontract.B:Yes,ofcourse.Ithinkwehavetochoosetherightinsurancecoveragetoprotectourgoods.A:Youknow,wegenerallyinsureWPSonaCIFoffer.Specialrisks,suchasTPND,leakage,breakage,oil,freshwater,etc.canalsobecovereduponrequest.B:ThenwhataboutSRCC?Canwerequestyoutocoverthisforourimports?A:Yes,weacceptitnow.Review:CargoTransportationInsuranceinsuredInsurer/Underwriter(insurancecompany)Policyholder/beneficiaryInsurancepolicypremiumCompensationReview:CargoTransportInsurance RisksVileweather,thunderstorm,lightning,tsunami,earthquake,flood,etc.Shipstranding,strikingupontherocks,shipsinking,shipcollision,collidingwithicebergsorotherobjects,fire,explosion,shipmissing,etc.CollisionAnaccidentinwhichtwovehiclescrashintoeachother碰撞事故PerilsoftheSea海上风险naturalcalamity自然灾害fortuitousaccidents意外事故Peril（1）seriousdanger严重危险（2）perilsofsthThefactofsthbeingdangerousorharmful祸害、险情calamityAneventthatcausegreatharmordamage灾难、灾祸SYNdisasterVile（informal）extremelyunpleasantorbad糟糕透顶的，极坏的StrandTomakeaboatleftontheshoreandunabletoreturntothewater搁浅Collide碰撞Fortuitous(formal)happeningbychance偶然发生的Iceberg冰山Tsunami(formal)anextremelylargewaveintheseacaused,forexample,byanearthquake海啸Strike(formal)tohitsthhardorwithforce撞、碰、碰撞 RisksExtraneousRisks外来风险Generalextraneousrisks一般外来风险Specialextraneousrisks特殊外来风险Riskcausedbytheft,rain,leakage,shortage,breakage,dampness,mildewing,heating,taintofodor,hookingandrusting,etc.Riskscausedbyondeck,war,strikes,failureofdeliveryandrejection,etc.Extraneous没有直接联系的LeakageAnamountofliquidorgasescapingthroughaholeinsth.Anoccasionwhenthereisaleak泄露量、漏损量、泄漏、渗漏Mildew霉、霉菌Taint玷污、污染Odor/odour（难闻的）气味Taintofodor串味Review:CargoTransportInsurance Losses(averages)andExpensesTotalLoss全损actualtotalloss实际全损Constructivetotalloss推定全损PartialLoss分损Particularloss/average单独海损Generalaverage共同海损Sueandlaborexpenses施救费用Salvagecharges救助费用SueToformallyaskforsth请求Salvage营救（失事船舶等）、抢救（失事船舶、火灾等中的财物）Dialogue2 LiYanandSusanarediscussinginsurance. S:Couldyoutellmewhatkindofinsuranceyouwillcoveronourorder? L:Sure.Aswetalkedaboutjustnow,we’llhavethegoodscoveredagainstWPA,asourdealisbasedonCIF.Isthereanythingyou’dliketoknowor…? S:No,notreally.Iwasjustwondering,sinceourorderwillbetransshippedviaHongKong,whatiftherearesomegoodsmissing? L:WecancoverTPNDifyourequire. S:Butthat’sanadditionalrisk,isn’tit? L:Yes,andthebuyersareusuallyrequiredtobearthecostfortheadditionalriskcoverage.Whatif…?Whatwouldhappenif?要是……会怎么样？ S:Isee.WhatifyoucoveragainstAllRisks?Dowestillhavetopaytheextraforsuchrisk? L:No,youdon’thaveto.TPNDisgeneraladditionalrisk.AllRiskshassuchanitemundercoveragealready.However,allyouneedtodoistopayalittlehigherpremiumrate. S:Thatdoesn’tmatter.Thesafetyofthegoodsisallthatcounts. L:Absolutely.Well,let’sconfirmagain.I’llhaveyourinsurancetermschangedfromWPAtoAllRisksfor110%ofCIFinvoicevalue,aspertheOMCCofPICC. S:That’sright.Thanks.Countv.Tobeimportant重要It’sthethoughtthatcounts.贵在心意。（用于谈及虽然小但善意的行为或礼物。）Practice1 Waystomakearequestforinsurance:Trytomakesentenceswiththegivenrisks,goods,etc.:1.Wedemand…2.Pleaseinsure…3.Wouldyoucover…?4.Werequire+(theinsurance)+against…AllRisksWPAriskoffreshandrainwaterdamageadditionalcoverageriskofbreakageFunctionalExpressions Waystocoverrisks:1.Weinsuredthegoodsagainst+（risk)+forx%ofinvoicevalue.2.Wewillhavethegoodscoveredagainst+(risk)for+(insuranceamount).AllRisks110%ofinvoicevalue.WPARMB5,0003.Wewillarrangeinsuranceon+（goods）+attherateofx%.4.Wecanprovidetheinsuranceasper+(clause)+of+(underwriter承保人、保险商).cottontherateof5%ParcelpostinsurancePICCEasydialogue（2） PleasetalkinEnglishbasingonunder-mentionedChinesedialogueA：我想、我们应该为我们的货物投保一切险，以便能够避免所有的风险。B：我认为你想错了。“一切险”不是说一切风险。A：但他明明是说“一切险”啊。B：是的。尽管它的名字是“一切险”，但并不包括一切风险，比如说，战争险就不包括在内。A：你真是一位专家。A:IthinkweshouldcoverourgoodsagainstAllRiskssothatwecanavoidalltherisks.B:Ithinkyoumadeamistake.“AllRisks”doesnotmeanalltherisks.A:Butitsays“AllRisks”.B:Yes.Thoughitsays“AllRisks”,itdoesnotincludealltherisks.Warrisk,forexample,isnotincluded.A:Youarereallyanexpert.Easydialogue（3） PleasetalkinEnglishbasingonunder-mentionedChinesedialogueA：我不理解水渍险的意思，你能向我解释一下吗？B：当然。水渍险的意思是包括单独海损，它承保平安险承保的所有项目，还承保由于恶劣气候、地震、风暴等引起的单独海损。A：你的意思是说水渍险的保险范围比平安险更宽吗？B：是的。平安险的意思是不赔单独海损，它仅仅承保被保险货物在某些限制条件下的全部损失。A：谢谢你的帮忙。A:Idon’tunderstandwhatWPAstandsfor.Canyouexplainthattome?B:Ofcourse.WPAstandsforwithparticularaverage.ItcoverseverythingFPAcoversanditalsocoverspartiallosscausedbybadweather,earthquake,stormandsoon.A:DoyoumeanWPAhaswidercoveragethanFPA?B:Yes.FPAstandsforfreefromparticularaverage.Itonlycoverstotallossoftheinsuredcargoundersomelimitedconditions.A:Thankyouforyourhelp.ConversationAIllustrationsofInsuranceClause Mr.Martin,animporterfromUSA,isgoingtopurchaseChinesedinnerware.ThefollowingisatalkoninsurancebetweenMr.MartinandMiss.Li,aseniorstafffromPeople’sInsuranceCompanyofChina,TianjinBranch. Pleaselistentotheconversationcarefully.Dinnerware(AmE)餐具SeniorOfhighrank级别高的Martin:MissLi,Ihopetotakeseveralminutesofyourtimetodiscusssomeinsurancequestions,ifyoudon’tmind.Li:Ofcoursenot.M:I’dliketoknowwhattermsofinsuranceyoucanprovideformyconsignment.L:Wecanprovidebasiccover,nameFreeParticularAverage(FPA),WithParticularAverage(WPA),AllRisksandExtraneousRisks.Youknow,cargoinsuranceisamajoritemofourbusiness.ConsignmentAquantityofgoodsthataresentordeliveredsomewhere装运的货物，运送物M:AstothedinnerwareIordered,IthinkWPAwillsuffice.Doyouthinkso,Miss.Li?L:I’mafraidnot.ItisaverycommonbutmistakenideathatamerchanthasdoneeverythingthatisrequiredtoprotecthimselfagainstlosseswhenhehastakenoutWPAinsurance.M:Why,asfarasIknow,theWPAinsurancecoversmorerisksthantheFPA.L:Actuallyitislikethis.TheFPAdoesnotcoverpartiallossofthenatureofparticularcoverage,AstosthUsedwhenyouarereferringtosth关于、至于Suffice(formal)tobeenoughforsb/sth足够、足以Protect(sb/sth)(against/fromsth)保护、防护TakesthoutToobtainanofficialdocumentorservice获得、领到（正式文件或服务）whereastheWPAclausecoverssuchlosseswhentheyexceedaprearrangedpercentage.Otherwise,theprotectionundertheFPAclausewillbealmostidenticalwiththatofferedbytheWPAclause.M:SoifItakeWPAcoverage,thenaparticularaveragesuchastheriskofbreakageiscovered.Soisn’titquiteenoughtocoverthelossesduetobreakage?L:No,notquite,Mr.Martin.Noteverybreakageisaparticularaverage.ItisaparticularWhereasUsedtocompareorcontrasttwofacts（用以比较或对比两个事实）然而、但是、尽管PrearrangedPlannedorarrangedinadvance预先（或安排）的Identicalto/withsb/sth(1)Similarineverydetail完全相同(2)Thesame同一的Duetosth/sbCausedbysb/sth;becauseofsb/sth由于、因为averagewhenthebreakageresultsfromnaturalcalamitiesormaritimeaccidents,suchasstrandingandsinkingofthecarryingvessel,orisattributabletofire,explosionorcollision.Ifnoneoftheseconditionsoccur,breakageisoftenconsideredasanordinaryloss,andrepresentswhatwecalled“inherentviceornatureofthesubjectmatterinsured”whichisoutsidethescopeofthecoverage.Inthatcase,wewillrefusetoadmitliability.M:AmItounderstandthattheriskofbreakageisMaritimeConnectedwiththeseaorships海的、海事的、海运的、船舶的Attributabletosb/sthProbablycausedbythethingmentioned可归因于、可能由于Inherent固有的、内在的Inherentviceornature固有瑕疵或性质ScopeTherangeofanactivity（活动的）范围coveredbymarineinsurance?L:Certainly.Butitistheusualpracticetomakespecificmentionintheinsurancepolicyorcertificatethattheriskofbreakageisincluded.Theinclusionofthisspecialriskwillbesubjecttoanadditionalpremium,whichwillnormallybehigherthanthebasicinsurancefortheordinarymarinerisks.Therateforsuchriskwillvaryaccordingtothekindofproduct,or,asinceramics,accordingtothefragilityofthegoods.Ithinkyoumustknowallaboutthat.InclusionThefactofincludingorbeingincluded（被）包括、包含Premium保险费、额外费用、附加费Vary(fromsthtosth)Tochangeorbedifferentaccordingtothesituation（根据情况）变化、变更、改变Pricevaryaccordingtothetypeofroomyourequire.价格随所要求的户型而有所变化。Ceramics瓷器、陶瓷制品Fragileadj.易碎的、易损的FragilitynounM:Isee.ImustadmitI’malaymanasfarasinsuranceisconcerned.NowI’dbetterarrangeforWPAandadditionalcoverageagainstriskofbreakage.Thankyouverymuchforthetimeyou’vetaken.L:Youarewelcome.LaymanApersonwhodoesnothaveexpertknowledgeofaparticularsubject非专业人员、外行、门外汉Asfarassthisconcerned就……而言ConversationBOnInsurance Asanyexperiencedexporterknows,oceancargoinsuranceisanessentialtoolofforeigntrade.Everyshipmentrunstheriskofalonganddrearylistofhazards:fire,storm,collision,theft,breakage,leakageandexplosion–thesearebutafewofthem.Cargoinsuranceisthetrader’sshieldagainstthelossessuchhazardsmaybring.Thefollowingisatalkaboutinsuranceon3000setsofclockradios. Pleaselistentotheconversationcarefully.EssentialCompletelynecessary,extremelyimportantinaparticularsituationorforaparticularactivity完全必要的，必不可少的Runtherisk(ofdoingsth)/runrisks冒……的危险，冒险（做某事）Dreary令人沮丧的、沉闷的、枯燥无味的But=Onlye.g.Therearealotoffamouspeoplethere:TomHaksandJuliaRoberts,tonamebuttwo.那里有很多名人，只提名两个名字：汤姆·汉克斯和朱丽亚·罗伯茨Shield盾（牌）、保护物、屏障Hazard危险、危害Alonganddrearylistofhazards令人不悦的种种意外事故Marcellin:MissHan,ourcustomershavefoundyourclockradiosattractiveandthequalityindisputable.Itseemsthereisaprettybigmarketforthisproduct.Hah:I’msogladtohearthat.Mr.Marcellin,Isthereanychanceformetohavemoreordersfromyou?M:Yes,I’mthinkingofplacinganadditionalorderwithyoufor3000setsofclockradiosofthesamemodel.H:That’sgreat!ShallIhaveyourspecificrequirements?IndisputableThatistrueandcannotbedisagreedwith不容置疑的、无可争辩的、不容否认的Additionalorder追加订单M:Sure.ThistimeourclientswanttobuyonaCIFMarseillesbasis.Thiswillsaveusthetroubleofgoingtoourunderwritersandsaveusmuchtime.H:Yousaidit.ThePeople’sInsuranceCompanyofChina(PICC)canoffergoodservices.ThePICCatpresentmaintainsabout300cargosurveyingandclaimsettingagentsinmorethan90countriesandregions,toconducton-the-spotsurveys.Outoftheseagents,averylargenumberareauthorizedtoeffectCargosurvey货物公证Insurancesurvey保险公证Marinesurvey海事公证On-the-spot现场survey调查An0n-the-spotreport现场报道Maintain维持、保持Yousaidit.你说得对settlementlocally.Ifanydamageoccurs,youmayfileaclaimwiththelocalinsuranceagentwithin60daysafterthearrivalofthegoods.Ofcourse,claimsshouldbesupportedbysurveyreports.ThenthePICCwillundertaketocompensateyouforthelossaccordingtotherisksinsured.M:Theseareattractiveprovisions.Butwillyougiveusapremiumrebatejustasotherunderwritersdo?H:I’mafraidwecan’tdothat.OurinsuranceTofileaclaim提出索赔UndertakeTomakeyourselfresponsibleforsthandstartdoingit承担、从事、负责Compensatev.赔偿Compensationn.Provision规定、条款Rebate回扣、折扣ratesaremuchbetterthanourcompetitors.M:Well,inthatcase,yourcoversoundstempting.Isupposewehavetobecontentwithwhatyouoffer.MissHan,IpresumeWPAandWarRiskaregeneralclausesofmarineinsuranceofthePICC.H:Well,Mr.Marcellin,thePICCcancoverallbasicrisksasrequiredsolongasitisstipulatedintheOceanMarineCargoClauseofthePICC.M:ThendoyoucoverrisksotherthanWPAandTemptingAttractive吸引人的、有吸引力的Becontentwith以……为满足SolongasOnlyif只要OtherthanExcept除……以外Presume假设、姑且认定Presume推想、假定WarRisk?H:Certainly.RiskssuchasLeakage,FreshandRainWaterDamage,HookDamage,Clashing,TPNDandsoonareoffered.M:IsupposetheyareclassifiedunderExtraneousRisks.H:Yes.M:Anotherthing.I’dliketohavetheinsurancecoveredat130%oftheinvoicevalue.Doyouthinkthatcanbedone?H:Ithinkso,butpleasenotethatourinsuranceClassify归类coverageisusuallyfor110%oftheinvoicevalue,notfor130%.Thustheextrapremiumshouldbebornebythebuyer.M:That’sunderstood.H:Now,awordortwoaboutthepriceandthetimeofshipment.M:I’dsuggestleavingthattilltomorrow,asit’sratherlatenow.H:Allright.Let’scallitaday.Bear的过去分词Callitaday(informal)todecideoragreetostopdoingsth结束一天的工作，到此为止Easydialogue（4） A:您希望投保哪些险别？相信我们能够按您的需要给您帮助。 B:我们需要运一些货物到美国去。我想了解你们的海运保险。 A:好的，由于您曾经告诉过我、货物的价值很高，我想“一切险”将是最佳选择。 B:“一切险”对任何发生的问都给予保险，但是我们不需要价格这么贵的保险，比如说，我们的货物没有机会被偷盗。 A:那么我能建议您采用“平安险”吗？如果遭遇船舶沉没、焚毁或触礁，可以得到保障。 B:这个险别比较好，但是、我想我们需要为别的一些事情取得保障，比如说海浪造成的损害。 A:好的，那我们再仔细商量。 A:Whatkindofinsurancecoveragewouldyoulike?I’msurewecanhelpyouinanywayyouneed. B:WeneedtosendashipmenttotheUntiedStates.Wewanttofindoutaboutyourmarineinsurance. A:Well,sinceyoutoldmethegoodsareveryvaluable,IthinkinsuranceagainstAllRiskswouldbebest. B:AllRiskswillcoveranyproblemsthathappen.ButIdon’tthinkthereisanychancethatourgoodswillbestolen,forexample,soIthinkwedon’tneedapolicythatissoexpensive. A:MayIsuggestFPAcoverage?Thatwillcoveryouiftheshipsinks,burnsorgetsstuck. B:That’sbetter,butIthinkweneedtocovermorekindsofthings,likedamagebyseawater. A:OK,thenwewilldiscussitcarefully.Dialogue1 Mr.Smith,aNewZealandbusinessman,isimportingabatchofporcelainwarefromChina.ThepricetermshavebeenfixedonC&FAucklandbasis.Afterloadingthegoodsonboardtheship,Mr.Smithgoestotheinsurancecompanytohavetheporcelainwareinsured.Mr.ZhaomeetswithhimintheofficeofthePeople’sInsuranceCompanyofChina. Pleaselistentotheconversationcarefully.Batch一批Porcelain瓷、瓷器China(Chinaware)Ceramics陶瓷（器）Earthenware陶制的MadebyClay粘土、陶土Z:Goodmorning.S:Goodmorning.I’mJohnSmith,aNewZealandbusinessman,andI’mlookingforinsurancefromyourcompany.Z:Welcome.MynameisZhao.Takeaseat,please.S:Thankyou,Mr.Zhao.Whatkindofinsuranceareyouabletoprovideformyconsignment?Z:We’veabletocoverallkindsofrisksfortransportationbysea,land,andair.S:IhaveabatchofporcelainwaretobeshippedtoNewZealand.Whatrisksshouldbecovered?Z:Wecanserveyouwithabroadrangeofcoverageagainstallkindsofrisksforseatransport,suchasFreefromParticularAverage(F.P.A),WithParticularAverage(W.P.A),AllRisksandExtraneousRisks.It’sbetterforyoutoscanthisleafletfirst,andthenmakeadecision.S:(afterreadingtheleaflet)F.P.A.,thatmeansFreefromParticularAverage,isgoodenough.Broadadj.Wide,includingagreatvarietyofthings.Scan（1）Tolookateverypartofsthcarefully,especiallybecauseyouarelookingforaparticularthing细看、察看（2）tolookquicklybutnotverycarefullyatadocument,etc.粗略地读、浏览LeafletAprintedsheet(orafewpages)ofpaperthatgivenfreeofchargetoadvertise散页印刷品、传单Whatdoyouthink?Z:Surelyyoucan,doasyouplease,butdon’tyouwishtoarrangeforW.P.A.andadditionalcoverageagainstRiskofBreakage?Theysuityourconsignment.S:Hmm,perhapsyou’reright,I’llhavethegoodscoveredasyousaid.Z:Verygood.Pleasefillintheapplicationform.Youneedtowriteeverywordclearly.S:SurelyIwill.(fillingintheapplicationform)Mr.ApplicationAformalrequestforsth.申请、申请书、FormAnofficialdocumentcontainingquestionsandspaceforanswersZhao,I’vefinished.Pleasehelpmetohaveachecktoseeifeverythingiscorrect.Z:Ok,letmereadit.(readinginalowvoice)Insured:JohnSmithDescriptionofthegoods:porcelainModeoftransportandnameofvessel:S.S.“HwaYuan”Coverage:W.P.A.plusRiskofBreakageOh,Mr.Smith,whyboththeloadingportandunloadingportaremissing?S:Oh,terriblysorry,Iforgotthat.TheloadingportisXingangandtheunloadingportisAuckland.Hereyouare.Nowwhatistheinsurancepremium?Z:Thepremiumistobecalculatedinthisway.Firstfindoutthepremiumrateforporcelain,thatis0.3%andsecondly,considerwhatrisksarecovered.Whatrisksarecovered.Whatyou’vecoveredisW.P.A.plusRiskofBreakage.Sothetotalpremiumis…S:Good,Mr.Zhao.Thankyouforyourassistance.Z:Don’tmentionit.Seeyouagain.S:Seeyouagain.Easydialogue(5) A:还有一件事情，我想知道你们如何处理货物保险索赔的事情。 B:大多数保险公司的原则都是：如果发生保险合同货物被损害事件导致索赔时、立即通知最近的分支机构或代理机构。 A:那么谁对接下来的步骤负责呢？ B:保险公司将指定一位检验人员检验货物并报告损害的性质和程度。通常会签发一份某一种类的损失证明文件给需要对有关费用承担责任的收货人。当然，尽管索赔程序依情形不同而不同，但是毫无疑问的是、我们都应该做到对损失或损害快速理赔。Easydialogue(5) A:能请您告诉我索赔时通常需要什么单据吗？ B:一般来说，签发给买方的商业发票、正本提单、正本保险单、证明损失或损害的调查报告等。 A:这么复杂！那谢谢您了。 A:OnemorethingIwouldliketoknowishowyoudealwithclaimsforcargoinsurance. B:Mostoftheinsurancecompanieshavethepolicythatimmediatenoticeshouldbegiventothenearestbranchoragencyintheeventofdamagecausingaclaimunderapolicyongoods. A:Thenwhowillberesponsiblefornextstep? B:Theinsurancecompanywillappointasurveyortoinspectgoodsandreportthenatureandextentofthedamage.Usuallyakindofcertificateoflosswillbeissuedtotheconsigneewhoisheldresponsiblefortheexpense.Ofcourse,theclaimsprocedurewillvarybycircumstances.Butundoubtedlyaquickersettlementshouldbesecuredoflossesordamages. A:Wouldyoupleasetellmewhatdocumentsareusuallyrequiredwhenmakinganinsuranceclaim? B:Generally,thecommercialinvoiceissuedtothebuyer,theoriginalbilloflading,theoriginalpolicyorcertificateofinsurance,thesurveyreportevidencingthelossordamage,etc. A:Itissocomplicated,Ithink.Thankyou.RolePlay Supposeyouareinquiringaboutinsurancewithyourpartnerabout5tonsofgreenteayouorderedfromhim.YouwouldliketobuyonCIFbasis.HeintroducestheinsuranceitemsofferedbyPeople’sInsuranceCompanyofChina,especiallythecoverageofsweatingandheatingtheyw