Insurance一、海上貨物運輸保險承包的范圍（一）PerilsoftheSea1.NaturalCalamity2.FortuitousAccidents(二）ExtraneousRisks（三）LossoftheSea1.TotalLoss(1)ActualTotalLoss(2)ConstructiveTotalLoss------NoticeofAbandonment2.PartialLoss(1)GeneralAverage(2)ParticularAverage(四）ChargesoftheSea1.SueandLaborCharges2.SalvageCharges二、海洋運輸貨物保險ChinaInsuranceClause(C.I.C)(一）PrincipalPerils1.F.P.A(FreefromParticularAverage)2.W.P.A(WithParticularAverage)3.AllRisks------WarehousetoWarehouseClause,W/W)(二）AdditionalRisks1.Generaladditionalrisks(1)Theft,Pilferage&Non-Delivery(TPND)(2)FreshWater/RainDamage(FWRD)(3)RiskofShortage(4)RiskofIntermixture&Contamination(5)RiskofLeakage(6)RiskandClash&Breakage(7)RiskandOdor(8)DamageCausedbyHeating&Sweating(9)HookDamage(10)LossforDamagebyBreakageofPacking(11)RiskofRust(2)SpecialadditionalrisksWarRiskStrikeRiskOnDeckRiskImportDutyRiskRejectRiskAflatoxinRiskFailuretoDeliverRisk三、陸運、空運貨物與郵包運輸保險（一）OverlandRisks1.OverlandTransportationRisks2.OverlandTransportationAllrisks3.OverlandTransportationCargoWarRisk-bytrain)(二）AirRisks1.AirTransportationRisks2.AirTransportationAllRisks(三）ParcelRisks1.ParcelPostRisks2.ParcelPostAllRisksOtherWords1.InsuredAmount2.Premium3.InsurancePolicy4.InsuranceCertificate5.OpenPolicy6.Claim7.insure8.insurance9.underwriter10.refund11.premium12.debitnote13.meetwith14.captionedshipment15.accountforone’saccountfortheaccountof…16.foryourinformation17.surveyor18.statement<Letter1>DearSirs,ThankyouforyourfaxofOctober18.Attachedisourquotationfordoubleoffsetringspannersandwearesureyouwillfindourpricesworkable.Regardingtheproblemofinsurance,pleasenotethefollowing:WeusuallyinsurethegoodssoldonCIFbasiswithourunderwriter,thePeople’sInsuranceCompanyOFChina(PICC)for110%ofthetotalinvoicevalueagainstAllRisksandWarRiskaspertheOceanMarineCargoClausesofthePICCofJanuary1,1981.Ifahigherpercentageorbroadercoverageisrequired,theextrapremiumwillbeforbuyer’saccount.AstoinsurancewithPeople’sInsuranceCompanyofChina,wewishtoinformyouthatthePICCisastate-ownedcompanywithagentsinparticularlyallthemajorcitiesandseaportsintheworld.Itisnotedforsettlingclaimspromptlyandequitablyandisthereforeoneoftheworld’smostcompetitivecompaniesintheline.Fordetails,pleaserefertothecopyofitsprospectuswearesendingyoubycourier.Ifyouhavefurtherquestions,pleaseletusknow.Welookforwardtoreceivingordersfromyou.<Letter2>Dearsirs,

Re:CIFInsuranceforDoubleOffsetRingSpannersReferringtoyourletterofOctober21inwhichyourequiredaboutCIFinsurancefordoubleoffsetringspannersthatwementionedtoyouon20thOct.,weprovideyouwiththeinformationasfollows.AstotheCIFDeal,weusuallycovertheinsuranceagainstAllRisksandWarRiskaspertherelevantOceanMarineCargoClauseofthePeople’sInsuranceCompanyofChinadatedJan.1,1981.IfyouclaimICCclausesforinsurance,wewouldbeverygladtosatisfyyourdemandonconditionthatthemarginofexpenseswillbepaidbyyou.Ifyoulike,wecouldalsoprovideadditionalcoverageforgoodswiththeextracostonyouraccount.Insuchcase,wewillsendyouareceiptofcostissuedbytherelevantinsurer.Asusualtheamountinsuredis110%ofinvoicevalue.Ifyouaskforahigherpercentageorbroadercoverage,wecouldarrangeaccordinglyprovidedtheextracostisatyourexpense.Wehopetheabove-mentionedinformationisofinteresttoyouandwearelookingforwardtoreceivingyouorderattheearliesttime.Yourssincerely,<letter3>DearSirs,Re:OurOrderNo.1011for500CasesofRecordersWewishtoreferyoutoourOrderNo.1011for500casesofrecorders,fromwhichyouwillseethatthisorderisplacedonaCFRbases.Aswenowdesiretohavetheshipmentinsuredatyourend,weshallbepleasedifyouwillarrangetoinsurethegoodsonourbehalfagainstAllRisksfor110%oftheinvoicevalue,i.e.HKD200,000.Weshallrefundyouthepremiumuponreceiptofyourdebitnoteor,ifyouprefer,youmaydrawonusatsightfortheamountinvolved.Wesincerelyhopethatourrequestwillmeetwithyourproposal.Yoursfaithfully,<Letter4>Dearsirs,Re:YourOrderNo.1011for500CasesofRecordersThisistoacknowledgereceiptofyourletterofOctober17,2005,requestingustocoverinsuranceofthecaptionedshipmentforyouraccount.WearepleasedtoinformyouthatwehaveinsuredtheaboveshipmentwiththePeople’sInsuranceCompanyOFChina(PICC)againstAllRisksforHKD200,000.ThePolicyisbeingpreparedaccordinglyandwillbeforwardedtoyoubytheendofthisweektogetherwithourdebitnoteforthepremium.Foryouinformation,wearemakingarrangementstoshipthe500casesofrecordersbyS.S.”Seagull”,sailingonoraboutthe10ofNovember.Yourssincerely,<Letter5>Dearsirs,Re:OurOrderNo.1011for500CasesofRecordersWhentheS.S“Seagull“arrivedatSingaporeonNovember13,itwasnoticedthatonesideofCaseNo.108wassplit.Wethereforehadthecaseopenedandthecontentsexaminedbyalocalinsurancesurveyorinthepresenceoftheshippingcompany’sagents.Thecasewasinvoicedascontainingtwenty-fourrecorders,eightofwhichwerebadlydamaged.Weenclosethesurveyor’sreportandtheshippingagent’sstatement.Asyoucoveredtheinsuranceonourorderweshouldbegratefulifyouwouldtakethematterupforuswiththeinsurers.Eightreplacementrecorderswillberequired.Pleasearrangetosupplytheseandchargetoouraccount.Wehopenodifficultywillariseinconnectionwiththeinsuranceclaimandthankyouinadvanceforyourcooperation.EnquiryDearSirs,WeshallhaveaconsignmentofrefrigeratorsvaluedatUS$---CIFColombo,tobeshippedfromXingangbyavesselofJumboLtd.WewishtocovertheconsignmentagainstAllRisksfromourwarehouseattheaboveaddresstotheportofColombo.Willyoupleasequoteyourrateforthecover?Faithfullyyours,Insurancecompany’sreplyDearSirs,Wehavereceivedyourfaxof5thMayaskingustoarrangeAllRiskscoverforaconsignmentofrefrigeratorstoColombobyaJumboLtd.Vessel.Ourratesforprovidingtherequiredcover,includingloadinganddischargingare…%,less5%specialdiscount.Pleaseinformusifourratesareacceptablesothatwemaypreparethepolicyintime.Yoursfaithfully,ExercisesTranslatethefollowingsentences.請按合同投保平安險和戰爭險。根據你方要求，我們將按發票金額的110%投保。由于合同規定按發票金額的110%投保，如你方要求按130%投保，額外保費由你方負擔。除非另有通知，我們將按發票金額的110%投保一切險和戰爭險。請告知你們的價格是否包括偷竊、提貨不招險。請務必將上述貨物按發票的100%投保一切險，我們知道，按照慣例，你們只按發票金額另加10%投保，因此額外的保費由我方負擔。請注意上述貨物須在6月15日前裝運，并按發票金額130%投保一切險。在沒有得到你方明確的保險要求情況下，我們按慣例把你訂購之貨物按發票金額的110%投保了水漬險和戰爭險。關于合同345號的300臺縫紉機，我們將自行辦理保險。很抱歉，我們不能接受這一索賠，因為你們保單的保險中沒有包括破損險。Fillintheblankwiththerightlink.and,but,or,for,nor,therefore,furthermoreTheagentscollectthegoods_____forwardthemthetheport.Wesentyou2copiesofthecontracttwoweeksago,_____butuptonowwehaven’treceivedthesignedcopiesforcountersignatures.Thesuppliermaydealdirectwiththeshipping,_____he