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1、会计学1外贸函电保险例文及句子外贸函电保险例文及句子Insurance burglary and robbery insurance.第1页/共48页Insurance Contract(保险合同保险合同)(1)保险合同是投保人与保险人约定保险权利义务关系的协议An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer. (2)投保人the applicant 是指与保险人订
2、立保险合同订立保险合同，并按照保险合同负有支付保险费支付保险费义务的人。 An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract. (3)保险人the insurer 是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。An insurer refers to the insurance company which enters in
3、to an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.第2页/共48页(4)被保险人the insured被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人其财产或者人身受保险合同保障，享有保险金请求权的人，投保人可以为被保险人。The insured refers to anyone whose property or person is protected by the insurance contra
4、ct and who is entitled to claim for compensation. An applicant may be the insured. (5)保险标的The subject matter 保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。The subject matter of the insurance refers either to the property of the insured and related interests associated therewith, or to the life and the body of the
5、insured, which is the object of the insurance.(6)保险利益 insurable interest保险利益是指投保人对保险标的具有的法律上承认的利益。An insurable interest refers to the interest which the applicant has in the subject matter of the insurance and is recognized by laws. (7)保险事故insured event 保险事故是指保险合同约定的保险责任范围内的事故。An insured event refer
6、s to an event falling within the scope of cover under the insurance contract.第3页/共48页(8)保险金额the insured sum 保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。The sum insured refers to the maximum amount which the insurer undertakes to indemnify or pay under its insurance obligation.(10)保险费the premium保险费是指投保人向保险人支付的保险合同规定
7、的费用。The premium refers to the charge that the applicant pays to the insurer as specified in the insurance contract.(11)保险价值insured value 保险价值是指保险标的的保险价值，保险价值可以由投保人和保险人约定并在合同中载明，也可以按照保险事故发生时保险标的的实际价值确定。The insured value of the subject matter of the insurance may be agreed by the applicant and the ins
8、urer, and specified in the contract; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event. 第4页/共48页7.2 Fundamental Principles of Cargoes Insurance（保险的基本原则）(1)保险利益原则保险利益原则 The insurable interset投保人对保险标的应当具有保险利益。An ap
9、plicant shall have an insurable interest in the subject matter of the insurance.投保人对保险标的不具有保险利益的，保险合同无效。 An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the insurance. (2)最大诚信原则最大诚信原则 The Utmost Good Faith订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标的
10、或者被保险人的有关情况提出询问，投保人应当如实告知。The insurer shall, prior to the conclusion of an insurance contract, explain the contract terms and conditions to the applicant and may inquire about the subject matter of the insurance or person to be insured. The applicant shall make a full and accurate disclosure. 第5页/共4
11、8页(3)赔偿原则赔偿原则 Indemnity保险金额不得超过保险价值；超过保险价值的，超过的部分无效。The sum insured shall not exceed the insured value of the subject matter of the insurance, and any portion exceeding the insured value of the subject matter of the insurance is null and void as a matter of law. 第6页/共48页第7页/共48页第8页/共48页第9页/共48页第10页/
12、共48页Heavy weatherlighteningearthquakeVolcanic eruptiontunamiNatural Calamities第11页/共48页Fortuitous accidentsfireexplosioncollisionstrandedsunkgrounded第12页/共48页第13页/共48页第14页/共48页第15页/共48页第16页/共48页第17页/共48页第18页/共48页第19页/共48页第20页/共48页第21页/共48页第22页/共48页nat/for 110% of the invoice value第23页/共48页第24页/共48页o
13、ut/provide/cover insurance第25页/共48页nInsurance with + 保险公司nInsurance with PICC第26页/共48页第27页/共48页第28页/共48页第29页/共48页第30页/共48页第31页/共48页We now desire to have the consignment insured at your end. 第32页/共48页Our usual practice is to insure shipments for the invoice value plus 10% against All Risks. 第33页/共48页
14、We have covered the goods against FPA and War Risks. 第34页/共48页As agreed, we have covered the insurance on the 1,000 cases of Canned Meat for 110% of the invoice value against WPA with the Peoples Insurance Company of China. 第35页/共48页We are prepared to comply with your request and obtain cover for 13
15、0% of the invoice value. The extra premium will be for your account.第36页/共48页We shall, of course, refund the premium to you upon receipt of your debit note. 第37页/共48页If you desire to cover risk of leakage, we can provide such coverage at a slightly higher premium. 第38页/共48页BACK Insurance is to be ef
16、fected by the buyers under FOB terms. 第39页/共48页保险费率要根据商品性质，所要投保的范围以及目的地而有所不同。 第40页/共48页我们知道按一般惯例，你方只按发票价格金额加成10%投保，因此额外保险费由我方负担。 第41页/共48页保险单正在准备之中，本周内即可连同索款通知单一并寄上。 第42页/共48页现告知贵方，我方已在中国人民保险公司办理了预约保单。 第43页/共48页请注意上述货物必须确保于7月16日前装船。保险须按发票价格的120%投保一切险和战争险。第44页/共48页关于这批货物的保险，所报范围是按发票金额的110%保至目的港。第45页/共48页附上货物详情，我们将按惯例投保。 第46页/共48页BACK在今后一年内，我们将分批运儿童自行车，如蒙告知你们一切险的最低费率将非常感谢。 第47页/共48页
外贸函电保险例文及句子InsurancePPT学习教案
