實用外貿(mào)口語精選系列情景系列(200)商保類型

Business insurance types

商保類型

A: Hello, Mr. Smith. How is business?

你好，史密斯先生。最近生意如何?

B: Not so good, I have to say.

我得說，不盡如意。

A: Why, what has happened?

為什么?發(fā)生什么事了?

B: Well, the May consignment of canned fruits arrived at the destination rather dented and our users refused to pay for it.

你瞧，五月份裝運的罐頭水果制品運達目的地時，受擠壓凹陷了，用戶拒絕付款。

A: That really sounds bad. What's the cause for the damage in your opinion?

那確實太糟糕了。那么你認為貨物損壞的原因是什么?

B: Personally, I think the damage was due to careless packing. But my exporter insists that the damage has nothing to do with packing itself and asks me to claim against either the insurance company or the shipping company. So my question to you is whether I can lodge a claim with the insurance company on the damaged goods.

我個人認為損害是由于包裝不當造成的，但出口商堅持認為貨物的損壞與包裝本身沒有關(guān)系，并要求我向保險公司或貨運公司索賠。因此，我想問問您，我能否就損失的貨向保險公司提出索賠。

A: Well, your problem relies on what sort of insurance policy you have taken out.

嗯，你的問題癥結(jié)在于你投保的類型。

B: You see, we have got an "open cover" policy with the insurance company.

我們與保險公司簽訂的是有預(yù)約保險。

A: Well, I don't know I can give you an answer before I know the terms of the policy. Generally speaking, under a CIF term, it covers only "All Risks" and "War Risks", at 110% of the invoice value. Additional specific risks may be covered by additions to the FPA and WPA.

在我了解到你方的投保條款之前，我無法回答你的問題。但一般來說，根據(jù)CIF價格條件，所投保的貨物發(fā)票價值的110%的綜合險和戰(zhàn)爭險。對額外風險，你可以附加投保平安險和水漬險。

Choose a type of insurance

類型選擇

A: Have you taken out insurance yet on the shipment?

您是否已經(jīng)替這批貨投保了?

B: Yes, we talked about it with our underwriter, and we think that we should get a policy for total loss only.

是的，我們和保險公司談過，覺得應(yīng)該投保全損險。

A: Why TLO? That only helps if the goods are destoryed, or damaged so badly that they can't be used.

為何要投全損險?這種險只有在貨物全毀或破損到不能使用的情況下才有用啊。

B: We have shipped a lot of goods. We think TLO is the best policy for shipment. Trust us, please.

我們出過很多貨，我們覺得全損險對這批貨是最合適的。請相信我們。

A: OK, we'll trust you this time.

好吧，這次就聽你們的。

B: Thanks, there is really no need to worry. Our company has never lost money because of under insurance. Your shipment is secure.

謝謝。真的不用擔心。我們公司從來沒有因為不足額保險而造成損失過。您的貨不會有問題的。