外貿(mào)英語一點通第201期:貨物保險之保險費率

[00:00.11]Premium rates 保險費率 [00:01.03]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。 [00:07.52]What is it? 什么問題？ [00:08.52]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？ [00:12.51]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。 [00:19.33]Packing should be seaworthy for strong enough to endure rough handling. 包裝應適合海運或足夠堅固，經(jīng)得住野蠻裝卸。 [00:22.48]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。 [00:28.37]How about the type of merchandise to be shipped? 裝運商品的類型有關系嗎？ [00:31.18]It must be considered, because some goods are more vulnerable to damage. 當然需要加以考慮。因為有些產(chǎn)品更易破損。 [00:35.07]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。 [00:41.04]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。 [00:47.48]Are there close connections between the types of risks and the premium? 保險險種和費率之間關系密切嗎？ [00:51.11]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。 [00:55.29]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。 [01:04.11]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。 [01:10.10]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。 [01:21.30]I'm entirely at your service. 愿意為您效勞。

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