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and We shall of course refund the premium to you upon receipt of your debit note.收款票据

We hope the above will be acceptable to you.Yours faithfully,

例子 Dear sir,

Re:Your Order No.103 covering 1,000 pieces Electronic Toys

Thank you for your letter of September 20, requesting us to effect insurance on 1,000 pieces Electronic Toys for your account.

We are pleased to inform you that we have covered the above goods with the People’s Insurance Company of China against All Risks. The policy is being prepared accordingly and will be sent to you on or about September 28 together with our debit note for the premium.

We believe that everything is clear now, your early reply will be highly appreciated. Yours faithfully,

有关保险常用词组有：

insurance company 保险公司insurance agent 保险代理人 insurance amount 保险金额insurance premium 保险费

insurance certificate 保险凭证insurance policy 保险单 insurance coverage 保险范围floating policy 流动保单 parcel post insurance 邮包保险open policy 预约保单

insurance declaration 保险声明书或者保险通知单air transportation insurance 航运运输保险 ocean marine cargo insurance 海洋运输货物保险overland transportation insurance 陆上运输保险

在表示“投保”、“办理保险”时，常与insurance搭配的动词或动词词组有:

to arrange insuranceto cover insurance

to effect insuranceto provide insuranceto take out insurance 与insurance有关的介词搭配有：

1．表示所保的货物，后接on，如insurance on the 100 tons of wool; 2.表示所保的险别，后接against，如insurance against all risks; 3.表示保额，后接for，如insurance for 110% of the invoice value;

4.表示保险费或保险费率，后接at：insurance at a slightly higher premium, insurance at the rate of 5%;

5.表示向保险公司投保，后接with，如insurance with the People’s Insurance Company of China. We have covered insurance on the 100 tons of wool for 110% of the invoice value against all risks with the People’s Insurance Company of China.

7. on one’s behalf 代表某人或某方8. invoice value 发票金额 9. premium rate保险费率11. debit note收款票据

10. People’s Insurance Company of China中国人民保险公司

We usually cover shipments against WPA and War risks. If you wish to add any extraneous risks, please let us know in advance.

We generally insure our export shipments with the people’s insurance company of China.

We have insured your order NO.78 for the invoice value plus 20% up to the port of destination. The insured amount should be 110% of the invoice value. If you require a higher percentage, additional premium must be paid.

We usually affect insurance against all risks and War risks for the full invoice value plus 10%

for the goods sold on CIF basis.

The premium varies with the extent of insurance, should additional risk be covered, the extra premium is for buyer’s account.

例子 Letter 2 Additional Risk of Breakage： 对于诸如瓷砖之类的易碎商品，在运输过程中容易破碎，因此，对于此类货物，保险公司有时不愿承保破碎险；即使承保了破碎险，也会有一定的免赔率。

1.不承保破碎险2.免赔率 Dear sirs,

Additional Risk of Breakage

Referring to your L/C No 123 covering Glazed Wall Tiles, which we have just received.

For the above goods, we are sorry to inform you that we do not cover Breakage. You have to; therefore, delete the word “Breakage” from the insurance clause in the credit.

Furthermore, we would like to point out that for such articles as window glass, porcelains, etc.，even if additional Risk of Breakage has been insured, the cover is subject to a franchise of 5%.That is to say, if the breakage is surveyed to be less than 5%, no claims for damage will be entertained.

We believe that everything is clear now, and hope you can amend the credit as soon as possible. Yours faithfully, Notes to Letter Two：

1. For the above goods, we are sorry to inform you that we do not cover Breakage.

我们很抱歉告知你方，对于上述货物，我们不投保破碎险。 2. delete 删除

The clause“All expenses are for the beneficiaries’ account” should be deleted from the L/C. “一切费用由受益人负担”之条款应从信用证中删除。 3. franchise免赔额

The goods are sold with a franchise of 3%. 此类商品按免赔率3%出售。

Useful Expressions：

1. We know that according to your usual practice, you insure the goods only at invoice value plus 10%, therefore, the extra premium will be for our account.

我们得知，按照你们的一般惯例，你们只按发票金额另加10%投保，因此额外保险费由我方负担。

2. For these goods, the rate being charged by us against All Risks is 1% subject to our Ocean Marine Clauses.

根据我方目前海运货物保险条款，承保上述货物一切险的费率为1%。

3. Since Breakage is a special risk, an extra premium will have to be charged. 破碎险是一种特殊险别，需额外收费。 4. Since the cause of the damage is within the coverage, we would recommend you to apply to the insurance company concerned for compensation.

由于损害的原因属于保险单的承保范围之内，我们建议你方向有关的保险公司要求赔偿。 5. In the absence of definite instructions from our clients，we generally cover shipments against W.P.A. and War Risks. If you wish to add any extraneous risks, please let us know in advance.

在我们没有收到客户明确通知的情况下，我们一般投保水渍险和战争险。如果你方想投保附加险，请事先告诉我们。

6. If the consignment is insured, each case of claim on damaged goods involves three parties——i.e. the insured, the carrier and the insurer.

如果一批货物投保，那么，有关被损坏货物的索赔程序涉及到三个方面：即被保险人、承运人和保险人。 7. So far as we know, there are risks of pilferage or damage to the goods during transshipment in London, so please arrange insurance against the above risks.

据我方所知，在伦敦转船期间有货物被盗或损坏的风险，请投保上述险别。

8. Should you require the insurance to be covered as per Institute Cargo Clauses we would be glad to comply but if there is any difference in premium between the two it will be charged to your account. 假如你们需要按照协会货物保险条款投保，我们也乐于照办，但如果两者保费有所不同，则其差额由你方负担。 9. We are also in a position to insure the goods against any additional risks if you so desire. 如愿意，我们也能对货物投保任何附加险。

10. Our insurance company is a state-operated enterprise enjoying high prestige in settling claims promptly and equitably and has agents in all main ports and regions of the world.

我们的保险公司是国营企业，享有理赔迅速、处理公平的声誉，并在全世界各主要港口和地区都有代理。 11. We can arrange insurance on your behalf.我们可以为你方办保险。 12. We have covered the goods against All Risks and TPND.

我们已为货物投保了一切险和偷窃、提货不着险。

13. Since the premium varies with the extent of insurance, extra premium is for the buyer's account, should additional risks be covered

因为保险费随保险范围的不同而不同，如果买方要求附加险，额外的保险费则应该由买方负担。

14. Insurance is to be effected by the sellers for 110% of the invoice value against All Risks and War Risks as per the relevant Ocean Marine Cargo Clause of People's Insurance Company of China dated January 1st, 1981.

由卖方根据中国人民保险公司1 981年1月1日颁布的《海洋运输货物保险条款》按发票金额的110%投保一切险和战争险。

15. Please see to it that the above-mentioned goods should be shipped before the 15th May and the goods should be covered for 150% of invoice. We know that according to value against A11 Risks, your

usual practice, you insure the goods only for 10%. therefore, the extra premium will be for our account. 请注意上述货物必须确保于5月15日前装船。保险须按发票价格的150%投保一切险。我们知道按照你方惯例你方只按发票价格加成10%投保，因此额外保险费由我方负担。 16. Should stranding and sinking of the carrying vessel take place, then how would the insurance company handle this situation? 万一运输船搁浅沉没，保险公司将如何处理？

17. If the assured shall make any claim knowing the same to be false or fraudulent as regards amount or otherwise, this policy shall become void and all claim there under shall be forfeited.

若被保险人故意虚报保额或其他项目，则该保险单无效，并丧失索赔权。

18. We shall refund to you the premium upon receiving your debit note or you may draw on us at sight for the amount required.

我们收到你方借项清单后返还保险费，或者你方按所付金额向我方开出即期汇票。

19. For the coverage of All Risks the insurance company shall be liable for total or partial loss on land or sea of the insured goods within the period covered by the insurance.

投保一切险后，保险公司负责陆上和海洋上运输过程中被保险货物的全部损失或部分损失。

20. We adopt the warehouse to warehouse clause which is commonly used in international insurance. 在国际货物运输保险中，我们采用仓至仓条款。

21. Premium will be added to invoice amount together with freight charges. 保险费与运费将会加到发票金额中。

22. Since the premium varies with the extent of insurance, extra premium is for buyer's account, should additional risks be covered.

保险不同，其费率也不同，如果投保附加险别，买方应该支付额外的保险费率。

23. We usually effect insurance against All Risks and War Risk for full invoice value plus 10% for the goods sold on CIF basis.

对于按CIF出售的货物，我们通常按发票金额的100%加10%投保一切险和战争险。

1. People’s Insurance Company of China 中国人民保险公司 2. franchise免赔 3. Free from Particular Average 平安险 4. With Particular Average水渍险

5. All Risks一切险 6. insurance agent保险代理 7. insurance amount 保险额 8. insurance premium保险费

9. insurance certificate 保险凭证 10. insurance policy 保险单 11. Air Transportation Cargo Insurance 航空货物运输保险

12. Ocean Marine Cargo Insurance海上货物运输保险13. Constructive total loss 推定全损 14. General average共同海损15. Particular average 单独海损

1. We usually effect insurance against All Risks and War Risk for full invoice value plus 10% for the

goods sold on CIF basis.

对于按CIF出售的货物，我们通常按发票金额的100%加10%投保一切险和战争险。

2. For these goods, the premium rate being charged by us against All Risks is 1% subject to our Ocean

Marine Cargo Clauses.

根据我方目前海运货物保险条款，承保上述货物一切险的费率为1%。

3.We know that according to your usual practice, you insure the goods only at invoice value plus 10%, therefore, the extra premium will be for our account.

我们得知，按照你们的一般惯例，你们只按发票金额另加10%投保，因此额外保险费由我方负担。

4. In accordance with the contract No.3456, you are requested to insure the goods against All Risk and War Risk at invoice value plus 30%. And the extra premium is to be borne by us.根据3456号合同，你方须对货物投保一切险附加战争险，保额为发票金额的130%，额外保费由我方承担。

5. Please see to it that the above mentioned goods should be shipped before July 16， and the goods should be covered for 120% of the invoice value against All Risks and War Risks.

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。

6. Regarding insurance, the coverage is for 110% of invoice value up to the port of destination only.

关于这批货物的保险，所保范围是按发票金额的110%保至目的港。

7. Enclosed are details of the shipments to be insured under our usual conditions.

附上货物详情，我们将按惯例投保。

5. In order to protect the goods against possible loss in case of such perils, the buyer of seller, before the transportation of the goods, usually applies to an insurance company for insurance covering the goods in transit.

6. This class of goods is sold with a franchise of 5%. 7. If you wish to secure protection against T.P.N.D.，we may do accordingly upon receipt your payment of an additional premium.