Unit 9 Insurance
Ⅰ. Translate the following terms and expressions A. Into Chinese: 1。 in answer to
2。 in regard to insurance 3。 in the absence of 4. in other words 5。 subject to B. Into English： 1. 一切险 2. 水渍险 3。 平安险 4。 额外保险 5。 保险费率
6. a franchise shop 7. ship...in bulk 8. risk of shortage 9. risk of leakage
10. serve your purpose
6. 免赔率（额） 7. 明确指示 8. 惯例
9. 特殊附加险 10. 淡水雨淋险
Ⅱ.Choose the best answer to complete each of the following sentences：
1. We are now replying to your letter of March 15 ____ insurance. Which of the following is NOT right？
A。 in regard to B. with regard to C。 regarding D。 as regard 2. Please let us know your premium ____ which you cover insurance against All Risks.
A. with B. at C. for D。 against
3. The extra premium will be charged ____ your account。 A。 to B. at C. on D。 with
4. We will effect insurance against All Risks as requested, charging premium and freight ____ the consignees.
A. to B。 for C。 on D. with
5. According to the nature of the cargo， this cover ____ a 5％ franchise。
A。 is subject to B。 is subjected to C. subject to D. subjected to 6. Do you ____ against All Risks and TPND on this item？ Which of the following is NOT right here?
A。 insure B。 cover C. cover insurance D. insure us 7。 We have insured the goods ____ 10% above the invoice value。 A. With B. at C。 for D. on
8。 Please inform us ____ the details of the shipment as soon as you ship the goods. A. with B. for C. on D。 of
9. In reply ____ your fax of October 16, we would like to give you the following information。
A. to B. with C. of D. for
1
10。 The goods are ready for shipment, but we can not load them ____ of your L/C。 A。 with the absence of B. at the absence of C. in the absence of D。 to the absence of
Ⅲ。 Translate the following sentences into English：
1。 我们得知我方电脑运往纽约的一切险费率为1.5％。能否在别处以更合理的费率投保？
2. 此费率为本地所有的大保险商所普遍接受. 3。 兹告知此险别可以投保，但保费略高。
4. 如果你们想按金额的130％投保，我们可以办理，但要收额外的保险费。 5。 由于战争风险增加,战争险的保费也提高了很多。 6。 请将我方货物按20000美元的保值投保水渍险。
7. 我方要求你方为此批货物投保罢工、、民变险（Strikes, Riots ＆ Civil Commotions）。
8。 我们的惯例是按金额的110%投保平安险和战争险. 9。 为更好的推销，我们将免费给你方寄送样品。 10。保单是一种契约，是承保人和投保人之间协议的证明。 Ⅳ. Write an English letter based on the following information：
买方来函询问保险情况，现写信答复:
1。对于以CIF价格成交的交易，我方通常向中国人民保险公司根据1981年1月1日的海洋运输公物保险条款投保一切险。若买方要求依据协会货物保险条款办理，我方可以照办但两者保费的差额由对方支付。
2．若买方想要投保附加险，我方可以代办，额外保费由买方支付.我方将把保险商出具的保费收据寄给对方。
3．保险金额通常为金额的110％。如果买方要求增加，可以照办但额外保费也将由买方支付。 4．盼对方寄来订单。
2
Ⅰ。 A.1. 为答复 2。 关于保险
3。 在没有……的情况下 4。 换句话说，也就是说 5。 以……为条件，以……为准 6。 专卖店 7。 散装装运 8. 短量险 9。 渗漏险
10. 使你达到目的,满足你的要求 B.1. All Risk 2. W。P。A。 3. F.P.A.
4。 extra premium rate 5。 insurance premium rate 6。 fanchise 7. definite instructions 8. usual practice 9. special additioned risks 10. FWRD Ⅱ.
1.D 2。B 3。A 4.A 5。A 6。B 7。C 8.D 9。A 10。C Ⅲ。
1。 We have learned that the rate for All Risks insurance on the computers consigned to New York is 1.5％. Please let us know whether we can cover insurance elsewhere at a more reasonable rate。 2。 This rate is generally adopted by all the large underwriters here.
3。 We would like to inform you that this risk is coverable at a slightly higher premium. 4。 If you want insurance to be covered for 130％ of the invoice value， we can arrange this subject to an extra premium.
5。 The insurance premium for War Risk is increasing enormously dur to the prospect of war. 6. We request you to cover WPA on our cargos for the amount of 20，000 yuan。
7。 We would like you to insure against Strikes, Riots & Civil Commotions on the shipment。 8。 It is our usual practice to cover insurance against FPA and War Risk for 110％ of the invoice value.
9。 In order to promote sales more effectively， we will send you samples free of charge。 10。 An Insurance Policy is a contract and serves as evidence of the agreement between the insurer and the insured.
3
Ⅳ。 Dear Sirs,
In reply to your letter of the 3rd November enquiring about insurance, we wish to give you the following information.
For transactions concluded on CIF basis, we usually effect insurance with the People’s Insurance Company of China against All Risks， as per their Ocean Marine Cargo Clauses of January 1， 1981. Should you require insurance to be covered as per the 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.
We are also in a position to insure the shipment against any additional risks if you so desire, and the extra premium is to be borne by you。 In this case, we shall send you the premium receipt issued by the underwriter。
Usually, the amount insured is 110% of the total invoice value. However, if a higher percentage is required， we may do accordingly but you have to bear the extra premium as well.
We hope the above will provide you with all the information you need and we look forward to receiving your order。
Yours faithfully，
4
