国际经贸函电课件 6 Insurance

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1、Chapter 6 Insuranceu Insurance is closely related to foreign trade. It is quite Insurance is closely related to foreign trade. It is quite possible for goods to encounter various kinds of risks and possible for goods to encounter various kinds of risks and losses during the long distance transportat

2、ion from the sell losses during the long distance transportation from the sell to the buyer. to the buyer. u In order to protect the goods against possible In order to protect the goods against possible losses, the buyers or the sellers usually apply to losses, the buyers or the sellers usually appl

3、y to an insurance company for insurance covering the an insurance company for insurance covering the goods in transit before the transportation.goods in transit before the transportation. Grasp basic terms related to insurance-kinds of Grasp basic terms related to insurance-kinds of risks, average,

4、expenses and coveragerisks, average, expenses and coverage Learn how to write letters regarding insurance Learn how to write letters regarding insurance Master useful words, phrases and expressionsMaster useful words, phrases and expressionsLearning objectives:Section 1: Introduction1.1 Usual practi

5、ce of insurance in the international trade1.1 Usual practice of insurance in the international tradeWho is responsible for the Who is responsible for the insurance under the terms of insurance under the terms of FOB, CIF, CFR?FOB, CIF, CFR?uUnder the terms of FOB Under the terms of FOB and CFR, the

6、importer(buyer) and CFR, the importer(buyer) is responsible for insurance is responsible for insurance up to the port of destination.up to the port of destination.u Under the terms of CIF, Under the terms of CIF, the exporter(seller) insures the exporter(seller) insures the goods.the goods.u insurer

7、 承保人（保险公司）承保人（保险公司）u insured 投保人（被保险人）投保人（被保险人）u insurance policy 保险单保险单u insured amount 保险金额保险金额u Premium 保险费保险费Section 1: Introduction1.2 Basic concepts involved in insurance1.2 Basic concepts involved in insuranceu In insurance, the party who insures others against possible losses or damages and

8、undertakes to make payment in case of loss is called the insurer.Insureru In insurance, the party who is insured against possible losses and to whom payment covering the loss will be made is called the insured.InsuredInsurance Policyu In insurance, the contract made between the insurer and insured i

9、s the insurance policy.u In other words, insurance policy is a contract of indemnity.u Insurance Certificate 保险凭证保险凭证(P 103)u Open Cover Policy 预约保险单预约保险单(P 103)u Cover Note 暂保单，保险证明暂保单，保险证明(P 103)u In insurance, the amount of money the insurer agrees to cover by insurance against the subject matter

10、 is the insured amount. Insured AmountHow to calculate the insured amount? full amount of the goods: (P 103) the amount of 110% of CIF value of the consignment the amount of 110% of invoice valueu In insurance, the sum of money the insured agrees to pay the insurer for an insurance policy is called

11、premium. Premium Risks in cargo transportation are of many kinds; Different risks mean different losses, and different risks are covered by different insurance clauses; Different insurance clauses mean different premiums. Kinds of Risks In the insurance business, “average”, as a special term is used