I'm looking for insurance from your company.
Mr. Zhang met Mr. William in the office of the People' Insurance Company of China.
After loading the goods on board the hip, I go to the insurance company to have them insured.
When should I go and have the tea insured?
All right. Let's leave insurance now.
I have come to explain that unfortunate affair about the insurance.
I must say that you've corrected my ideas about the insurance.
This information office provides clients with information on cargo insurance.
The underwriters are responsible for the claim as far as it is within the scope of cover.
The loss in question was beyond the coverage granted by us.
The extent of insurance is stipulated in the basic policy form and in the various risk clause.
Please fill in the application form.
What risks is the People's Insurance Company of China able to cover?
What risks should be covered?
What kind of insurance are you able to provide for my consignment?
It's better for you to can the leaflet, and then make a decision.
These kinds of risks suit your consignment.
May I ask what exactly insurance covers according to your usual C.I.F terms?
It 's important for you to read the "fine print" in any insurance policy so that you know what kind of coverage you are buying.
What is the insurance premium?
The premium is to be calculated in this way.
The total premium is 800 U.S. dollars.
The cover paid for will vary according to the type of goods and the circumstances.
The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance.
According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered.
The insurance rate for such kink of risk will vary according to the kind.
Insurance brokers will quote rates for all types of cargo and risks.
Can you give me an insurance rate?
Could you find out the premium rate for porcelain?
You should study not only the benefits but also the terms and limitations of an insurance agreement that appears best suited to your needs.
F.P.A. stands for "Free from Particular Average".
W.P.A. stands for "With Particular Average".
I'll have the goods covered against Free from Particular Average.
I know that F.P.A insurance doesn't cover losses on consumer goods.
I don't think that the W.P.A insurance covers more risks than the F.P.A..
Free from Particular Average is good enough.
The goods are to be insured F.P.A.
What you've covered is Leakage.
Why don't you wish to cover Risk of Breakage?
W.P.A coverage is too narrow for a shipment of this nature, please extend the coverage to include TPND.
Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage?
Not every breakage is a particular average.
The coverage is W.P.A. plus Risk of Breakage.
Well, obviously you won't want All Risks cover.
An All Risks policy covers every sort of hazard, doesn't it?
We'd like? To cover the porcelain ware against All Risks.
Please insure the shipment for RMB5,000 against All Risks.
We've cover insurance on these goods for 10% above the invoice value against All Risks.
An F.P.A. policy only covers you against total loss in the case of minor perils.
The F.P.A. doesn't cover partial loss of the nature of particular average.
A W.P.A. or W.A. policy covers you against partial loss in all cases.
You'll cover SRCC risks, won't you?
As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other risks is required, such as breakage, leakage, TPND, hook and contamination damages, the extra premium involved would be for the buyer's account.
We can serve you with a broad range of coverage against all kinks of risks for sea transport.
Generally speaking, aviation insurance is much cheaper than marine insurance.
Then "all marine risks" means less than "all risks".
In the insurance business, the term "average" simply means "loss" in most cases.
Are there any other clauses in marine policies?
Breakage is a particular average, isn't it?
The risk of breakage is covered by marine insurance, isn't it?
The English understood by "marine risks" only risks incident to transport by sea.
Generally, the term "all marine risks" is liable to be misinterpreted and its use should be avoided in L/C.
Please tell me whether I need to purchase a foreign student policy.
I'd like to know whether basic health insurance coverage should include benefits for outpatient, hospital, surgery and medical expenses.
Will you please tell me where I can purchase health insurance?
Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sickness or injury.
"Major medical" insurance policies are designed to help offset heavy medical expenses that can result from a prolonged illness or serious injury.
If the benefits provided under a certain policy have a dollar limitation for each service, you should determine whether these limitations are realistic.
Words and Phrases
insurance company 保险公司
insurance broker 保险经纪人
insurance underwriter 保险承保人
insurance applicant 投保人
insurant, the insured 被保险人，受保人
to cover (effect,arrange,take out) insurance 投保
insurance coverage;risks covered 保险范围
insurance slip 投保单
insured amount 保险金额
insurance against risk 保险
insurance clause 保险条款
insurance instruction 投保通知
insurance business 保险企业
insurance conditions 保险条件
PICC (People's Insurance Company of China) 中国人民保险公司
risk insured, risk covered 承保险项
to provide the insurance 为…提供保险
fine print 细则
insurance expense 保险费
premium rate 保险费率
insurance rate 保险费率表
insurance proceeds 保险金（保险收入）
insurance free of (from) particular average (FPA). 平安险（单独海损不赔）
insurance with particular average (WPA), basic risks. Insurance against all risks. 综合险，应保一切险
risk of breakage 破碎险
risk of clashing 碰损险
risk of rust 生锈险
risk of hook damage 钩损险
risk of contamination (tainting) 污染险
insurance against total loss only (TLO) 全损险
risk of deterioration 变质险
risk of packing breakage 包装破裂险
risk of inherent vice 内在缺陷险
risk of normal loss (natural loss)? 途耗或自然损耗险
risk of spontaneous combustion 自然险
risk of contingent import duty 进口关税险
insurance against war risk 战争险
Air Transportation Cargo War Risk 航空运输战争险
overland Transportation Insurance War Risk 陆上运输战争险
insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险
insurance against extraneous risks, insurance against additional risks 附加险
risk of theft, pilferage and nondelivery (TRND) 盗窃提货不着险
risk of fresh and/of rain water damage(wetting) 淡水雨淋险
risk of leakage 渗漏险
risk of shortage in weight/quantity 短量险
risk of sweating and/or heating 受潮受热险
risk of bad odour(change of flavour) 恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险
ocean marine cargo insurance clauses 海洋运输货物保险条款
transportation insurance 运输保险
overland transportation insurance, land transit insurance 陆上运输保险
insurance against air risk, air transportation insurance 航空运输保险
parcel post insurance 邮包运输保险
ocean marine cargo insurance, marine insurance 水险（海运货物保险）
All Risks 一切险
Particular Average (P.A) 单独海损
General Average (G.A) 共同海损
Marine Losses 海损
partial loss 部分损失
total loss 全部损失
health insurance 疾病保险，健康保险
sickness insurance 疾病保险
insurance for medical care 医疗保险
"major medical" insurance policy 巨额医药费保险
insurance during a period of illness 疾病保险
life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor 长寿保险
to purchase health insurance 购买健康保险
to have a health insurance policy 购买健康保险
Additional Words and Phrases
extra premium 额外保险费
additional premium 附加保险费
insurance law 保险法
insurance act 保险条例
insurance industry? 保险业
insurance division 保险部
insurance treaty 保险合同
cover note 保险证明书
guarantee of insurance 保险担保书
premium rebate 保险费回扣
insurance claim 保险索赔
ceding, retrocession(for reinsurance) 分保
co-insurance company 共同保险公司
insurance document 保险单据
certificate of insurance 保险凭证
increasing coverage, extending coverage 加保
renewing coverage 续保
insurance commission 保险佣金
social insurance 社会保险
personal property insurance 个人财产保险
insurance of contents 家庭财产保险