国际贸易实用英语 教学课件 作者 姜宏 Unit 5 Insurance.ppt

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1、Unit5InsuranceObjectivesTolearnthepossiblerisks,lossestocargoesintransitTolearnthebasictypesofpolicyinmarineinsuranceToknowhowtoapplyformarineinsuranceTolearnhowtolodgeandsettleaclaimOutlineDifferentiatingrisks,lossesandtypesofpolicyApplyingforinsuranceDeterm

2、iningvalueinsuredandcalculatinginsurancepremiumLodgingaclaimunderpolicy5.1Differentiatingrisks,lossesandtypesofpoliciesDialogue(omitted)ReadingandComprehensionTable5-1:ClassificationsofrisksinmarineinsuranceOceanRisksNaturalcalamitiesHeavyWeather,Lightning,Fl

3、ood,Earthquake,Tsunami)AccidentsGrounding,Stranding,Sinking,Collision,Fire,ExplosionExtraneousRisksGeneralextraneousrisksRiskofClashandBreakageRustRiskHookDamageRiskofSweatingandHeatingDamageTheft,PilferageandNon-deliveryRiskofFreshWaterandRainDamageTaintofOd

4、orRiskShortageRiskBreakageofPackingRiskInter-MixtureandContaminationRiskLeakageRiskSpecialextraneousrisksWarRisksStrikesRiskFailuretoDeliveryRiskOnDeckRiskAflatoxinRiskRejectionRiskImportDutyRiskTable5-2:TypesoflossesTotalLoss1.Actualtotalloss2.Constructiveto

5、tallossGoodsarecompletelydamagedordestroyedorsochangedintheirnatureastobeunmarketable.Actuallossisinevitable(suchasfrustrationofvoyageforanindefinitetime),ordamagedcargocanonlybesavedatconsiderablecost(i.e.costgreaterthanvalue).Partialloss1.Generalaverage2.Pa

6、rticularcharges3.ParticularaverageThesearegoodssacrificedaspartofageneralaverageactorasacargoowner’scontributionforthegenerallossofothers.Theseareexpensesincurredtopreventlossordamagetoinsuredcargofromriskthatisinsuredagainst.Example:expensesforextrafodderfor

7、acargoofhorseswhiletheshipisunderrepairforhurricanedamagethatwascoveredunderthepolicy.Thisincludespartiallossesthatdonotincludepartiallossescoveredbygeneralaverageandparticularcharge.Table5-3CoverageofoceanmarinecargoinsurancefromPeople’sInsuranceCompanyofChi

8、naLossesRisksandTypesofCoverageTypesoflossesOtherlossesTotallossPartiallossGeneralSpecialG.A.P.A.RisksOceanperils（includingnaturalcalamitiesandaccidents）ExtraneousRisksGeneralSpecial