實用外貿(mào)口語精選系列情景系列(201):貨物保險之保險費率

Premium rates

保險費率

A: Though I have effected insurance for quite a few times, there is still one thing I am not sure.

雖然我曾經(jīng)辦過幾次保險，但仍有一事不是很了解。

B: What is it?

什么問題?

A: What do you think are the main factors that determine the premium rates?

你認為決定保險費率的主要因素有哪些?

B: First, I think it is the carrying vessel, like its age, classification, ownership and management. And the second is packing.

首先，我認為是運載船只的情況。比如它的船齡，類型，船主及管理。此次就是包裝。

A: Packing should be seaworthy for strong enough to endure rough handling.

包裝應(yīng)適合海運或足夠堅固，經(jīng)得住野蠻裝卸。

B: In some cases, it is. But not for air freight and container shipment, they tend to require less packing.

在某種情況下不是這樣的?？者\和集裝箱運輸就不是這樣，我們往往要求較少的包裝。

A: How about the type of merchandize to be shipped?

裝運商品的類型有關(guān)系嗎?

B: It must be considered, because some goods are more vulunerable to damage.

當然需要加以考慮。因為有些產(chǎn)品更易破損。

A: I guess the distance of transportation and modes of transport also influence the rates.

我想運輸距離和方式也會影響費率的。

B: Right. Sometimes, underwriters charge you at a higher premium just because the goods are easily to be damaged or get stolen.

是的。有時候保險商會因為發(fā)運貨物受損或易被偷竊，而收取較高的保險費。

A: Are there close connections between the types of risks and the premium?

保險險種和費率之間關(guān)系密切嗎?

B : Yes, the more expensive cover is required, the higher the premium rate is.

是的，保險范圍越廣，保險費率就越高。

A: If the goods to be shipped are glassware, the premium rate against all risks including breakage differs greatly from that excluding it.

如果所投保的貨物是玻璃制品，投保包括破碎險在內(nèi)的一切險種與不包括破碎險的相比有很多的區(qū)別。

B: Last but not least, the volume of cargo. That means a substantial shipment may get more favorable premium.

最后一點重要的是商品數(shù)量。就是說大批量的貨物運輸可能獲得更優(yōu)惠的保險費率。

A: I am clear about the rates now. I really appreciate your help.

現(xiàn)在我清楚了。感謝你的幫助。

B: I'm entirely at your service.

愿意為您效勞。

詞組學習：

1. be vulnerable to 容易……

eg. He is vulnerable to temptation.

他是容易受到誘惑的。

eg. But experts are warning that the so-called smart grids might be vulnerable to cyber attacks.

但是，專家警告說，這種所謂智能網(wǎng)很容易受到網(wǎng)絡(luò)攻擊。

eg. So, without formal protection for the Coral Sea we're afraid it might be vulnerable to that in the future.

所以，對于未經(jīng)正式保護珊瑚海，在未來我們擔心它可能會很脆弱的。

2. at your service 聽候吩咐;樂意效勞

eg. We are ready to be at your service and await your order.

感謝有這個榮幸為您服務(wù)，并靜待您的訂單。

eg. All the staff and personnel are at your service in accompany with your pleasant trip in Mount Qingyun.

全體職員愿為您的光臨竭誠服務(wù)，伴您度過美好的青云山之旅。

背景知識認知：

1. insurance premium 保險費 ：指投保人為取得保險保障，按合同約定向保險人支付的費用，投保人按約定方式繳納保險費是保險合同生效的條件。

2. Premium Rate 保險費率 ：是由保險公司根據(jù)一定時期、不同種類的貨物的賠付率，按不同的險別和目的地確定。保險費的計算公式：保險費=保險金額*保險費率。

如按CIF或CIP價乘投保，則上述公式應(yīng)改為：保險費=CIF/CIP價*(1+投保加成率)*保險費率