英语口语之Insurance

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    Insurance
    险

    Brief Introduction

    在国际贸易中，货物从卖方到达买方，通常要经过长途的运输、装卸和存储等过程。在此过程中，货物常常会遇到许多风险。为了障货物遭受损失时能得到一定的补偿，买方或卖方应在货物装船后向险公司投货物运输险。

    对外贸易的运输险是指：被险人（出口人或进口人）对一批或若干批货物向险人按一定金额投一定的险别，并交纳险费；险人承后，如果所货物在运输过程中发生约定范围内的损失，应按照所出具的险单的规定给予被险人经济上的补偿。

    投时，通常选择平安险（F.P.A.）,水渍险（W.A.或W.P.A. ）或一切险（A.R.）三种基本险别中的一种，然后，加其他必要的特殊附加险别。

Basic Expressions

1. We have covered insurance on 1,000 cases of beer for 110% of the invoice value against all risks.

我们已将一千箱啤酒按发票金额的百分之一百一十投一切险。

2. If you desire us to insure against a special risk, an extra premium will have to be charged.

如你想投特殊险别，将向你收取额外费。

3. This risk is coverable at a premium of 0.25%.

该险别的险费是百分之零点二五。

4. The insurance company insures this risk with 5% franchise.

险公司这种险有百分之五的免赔额。

5. After loading the goods on board the ship, you must go to the insurance company to have them insured.

货船装船后，你必须找险公司为货物投。

6. We can serve you with a broad range of coverage against all kinds of risks for sea transport, such as Free of Particular Average (F. P.A.), With Particular Average (W.P.A.), All Risks and Extraneous Risks.

我们可以承海洋运输的所有险别，如：平安险、水渍险、一切险 和附加险。

7. W.P.A. plus Risk of Breakage suit your consignment.

贵方货物适合于投水渍险及破碎险。

8. The premium is calculated according to the premium rate or rates for risks to be covered.

险费是根据投险别的险费率计算的。

9. They will undertake to compensate you for the losses according to the risks insured.

他们将根据所投的险别，对损失负责赔偿。

10. We are able to cover all kinds of risks for transportation by sea, land and air.

我们可以办理海运、陆运和空运的所有险别。