世纪商务英语口译教程UnitWord格式.docx

世纪商务英语口译教程UnitWord格式.docx

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Thebroadestformofcoverageis“ALLRISK”,which,asamisleadingnameforaninsurancepolicy,provideswidecoverbutdoescontainanumberofexclusions.Theterm“AllRisks”shouldnotbetakentooliterallyandinsomejurisdictionsthetermisnolongerused.

An“ALLRISK”policyinsuresapprovedgeneralmerchandiseintheeventofphysicallossordamagefromanyexternalcause.Thisincludesnewpackagedgoodswithoutunusualsusceptibilitytolossfrombreakage,pilferage,orthenatureofthegoodsthemselves.“ALLRISK”policiesdonotcoveralllossespossibleinthecourseofaninternationalshipment.

2.GeneralAverage

Inordertosaveashipinperilofsinkingduringastorm,someofthecargomayhavetobethrownoverboard.Theshipownerandtheownersofthesavedcargoobviouslybenefitattheexpenseoftheownersofthejettisonedcargo.Thiswasdeemedunfairandtheprincipleof“GeneralAverage”evolvedsothatallpartieswouldcontributeinsuchasituation.

3.（With）ParticularAverage（WPA）

Inoceanmarineinsurance,ParticularAveragereferstoalosseitherpartialortotal,whichfallsononeormorepropertyorinterestbeingshipped,asopposedtoageneralaverage.

4.FreeofParticularAverage（FPA）

Thisisanoceanmarinepolicyprovisionwherecoverageisprovidedonlyifatotallossoftheinsuredpropertyoccursfromaninsuredperil.

FPA（Americanclause）islimitedcoveragethatusuallyappliestousedmerchandise,wastematerialsandgoodsshippedsubjecttoanondeckbilloflading.ItcoverspartialandtotallossesduetoFPAperils,whichincludethesinking,stranding,burningorcollisionofthevesselsorcatastrophicperilsonshoresuchasearthquake,derailment,collapseofdock,fire,etc.

5.WARRISK

Specialcoverageoncargoinoverseasshipsagainsttheriskofbeingconfiscatedbyagovernmentinwartime.Itisexcludedfromstandardoceanmarineinsuranceandcanbepurchasedseparately.

6.InherentVice

Certaingoodsare,bytheirverynature,susceptibletodamageanditwouldbeunreasonabletoexpectinsurerstopayforsuchdamage.ExamplesofInherentVicearedeteriorationofPerishableGoods,spontaneousfermentationorcombustionofimproperlydriedgrain.

7.WAREHOUSETOWAREHOUSEprotection

Mostcargoinsuranceprotectsgoodsintransitfromthetimetheyleavetheshipper’swarehouseuntiltheyreachtheconsignee’swarehouse,aslongastheyarenottakenoutofthenormalcourseoftransitbytheinsured.

Lead-in

1.Listening

1.D2.B

TapeScript:

TimistalkingtoJuddabouttheinsuranceofaproductorder.

Tim:

Goodmorning,thisisTim.IsthatJudd?

Judd:

Yes,thisisJuddspeaking.

I’mcallingtodiscusstheinsurancecoverageyourequestedforyourorder.

Good,werequestedanamountthirtypercentabovetheinvoicevalue.

Wehavenoproblemcomplyingwithyourrequest,butwethinkthattheamountisabitexcessive.Youknowaccordingtoourusualpractice，weinsurethegoodsonlyfor10%abovetheinvoicevalue.

Yeah,butinthepast,we’vereallybeenputinabindbecauseofdamagedgoods.

Iunderstandyourconcern.However,usualcoverageforgoodsofthistypeisthetotalinvoiceamountplusonlytenpercent.

Wecouldfeelmorecomfortable,though,withthirtypercent.

Unfortunately,ifyouwanttheincreaseincoverage,theextrapremiumwillbeforyouraccount.

Butshouldn’tyourquotationincludeadequatecoverageagainstrisks?

Thatquotationinvolvednormalcoverage,butnotall.SoIsuggestyoucontactyourinsuranceagentthereandcomparerates.

OK.Thanks.I’llcheckitout.

2.SpotDictation

Part11.T2.T3.F4.F5.F

Part21.practice2.insurance3.insure

4.thePeople’sInsuranceCompanyofChina5.premium6.covered

Sophia:

Accordingtoourusualpractice,wedobusinesswithourcustomersonaCIFbasis,Mr.Smith.

Smith:

That’sgood.Itwillsaveusalotoftimebecausewedon’tneedtodealwithsomanyinsuranceformalities.ButI’dliketoknowhowmuchthepremiumis.

Well,Mr.Smith,itwillvaryaccordingtothetypesofriskstobecovered.

Isee.Whichcompanydoyouusuallyinsurewith?

WealwaysinsureourgoodswiththePeople’sInsuranceCompanyofChina.

That’sgreat.MayIaskwhatinsuranceyouwillcoveraccordingtoyourusualCIFtermsfortheseglassware?

WeusuallyinsureagainstAllRisksforglassware.

IncludingWarRisk?

No,WarRiskisaspecialadditionalriskandithastobearrangedseparately.Generallyspeaking,itisnotnecessarytoinsureagainstthatrisk,asAllRiskshasprovidedenoughprotectiontoyourorder.

Isee.Thankyouforyourinfo