Exercises

1.Compose two dialogues on the following situation.

Out of 1,000 carton boxes of Chinese Green Tea,about 70 were contaminated with the odor of peppermint,and will have to be disposed of at a considerably reduced price.The importer,Mr.Harry Jackson,lodged a claim against the China Native Produce Import and Export Corporation for the loss arising from contamination.

1) The claim was declined because contamination is not considered a marine risk and must be insured against a special coverage.However,for this risk the importer (on FOB price terms) had failed to cover.After a discussion between Mr.Jackson and Mr.Tong,Manager of the Tea Department,the claim was waived.

2) The claim was granted and considered because the deal was signed on CIF basis and it’s the seller’s responsibility to cover the specific and appropriate level of insurance.Since the company has covered the special contamination terms with the insurance,the China Native Produce Import and Export Corporation agreed to replace the contaminated goods.

2.Translate the following sentences into Chinese.

1) We generally insure W.P.A.on CIF sales.Special risks such as TPND,leakage,breakage,freshwater,oil,grease,etc.can be also covered upon request.

2) Our insurance covers only W.P.A.including warehouse to warehouse clause valid for 15 days.

3) Our insurance coverage is for 110% of the invoice value up to the port of destination only.

4) Insurance to be effected by us on the goods covers only marine W.P.A.,TPND and War Risks at 110% of the invoiced CIF value.If coverage against other risks is demanded,the extra premium involved will be for the buyer’s account.

5) Our price is quoted on CFR basis,and consequently,the insurance is to be covered by yourselves.

6) The insurance covers FPA and War Risks only.If additional insurance coverage is required,the extra premium incurred is to be paid by the buyer.

7) Insurance to be effected covers marine W.P.A.,TPND,warehouse to warehouse and war risks at 110% of the total CIF invoice value.In case coverage on risks and the amount exceeding these limits are required,the additional insurance premium is for the buyer’s account,and shall be embodied in the relevant L/C accordingly.

3.Translate the following dialogue into English.

史密斯：郭先生，我希望有机会和你讨论几个保险问题，假如你不介意的话。

郭志高：不，一点也不。现在你有空的话咱们就谈。

史：你真好。先谈谈货物保险吧。

郭：货物保险是我公司的一大项目。我们很重视中国进出口货的运输保险。目前办理的保险项目，各种运输工具都有，例如海运、陆运、空运和邮包运输保险。保险条款乃是适应各种商品情况而制订的，例如杂货、冷藏货、散装油、活牲畜家禽，以及其他货物。

史：我明白。你公司的保险业务内容齐全。你们是怎样订保险费率的呢？

郭：是根据以往货物灭失和破损的统计数字订的。原则上保险费率是随着不同的保险货物而变化，也随着不同的目的地、航线和保险责任有效期而变化。

史：那么国际保险市场呢？ 你公司的费率和国际市场相一致吗？

郭：喔，一致的，我们总是考虑国际市场的费率水平，这是一个重要因素，不能等闲视之。

史：你公司经办预约保险吗？ 我是说，投保人想和保险公司作些长期安排，就说一年吧？

郭：当然可以。那样办，可以节省大量劳动和材料，又可以减轻投保人的负担。

史：对。投保人可以取得比较优惠的费率。另一件事是关于保险赔款支付问题，万一货物灭失或破损，我推断，我可以在当地城市取得赔款。

郭：是的。中国人民保险公司目前在九十个国家和地区设有大约三百个验货代理和理赔代理，在这些代理处之中有很多有权在当地解决赔偿案件。你们城市里也有个代理。

史：请告诉我，当货物在目的地发生破损时收货人该办的手续。

郭：收货人应该立即向验货代理或理赔代理申请货物检验。如果目的地没有我公司的代理，就可以委托当地的公证行检验货物。

史：我想，有一家普通的公证行就可以了。当然他们必须能胜任这项工作的。

郭：收货人应向承运人或港务局索取货物丢失和破损证书，以及/或短卸报告，以便收货人按当时情况向承运人或有关方面提出索赔。

史：假如承运人借口拒绝，那时收货人将会不知所措，难以解决。

郭：不必担心，当你向承运人提出索赔之时，你可以备好必要的单证向我公司提出索赔。如果经审查，我们认为索赔有道理，就赔偿收货人，取得代位权利（right of subrogation），以后我们就向负责货物残损的单位去追索，比如承运人。

史：在这种情况下，我们放心，可以取得赔偿而让保险公司去和承运人打交道。

郭：是的，当涉及第三方赔偿责任时，是这样的。如果承运人有过失，他们要负责货物的丢失和破损。如果是由于海上事故或风险造成损失，保险公司就得赔偿。

史：我想，有些货物损坏，保险公司免予赔偿，对吗？

郭：对，要是货物的丢失和破损是由于投保人的故意行为和过错，或者由于货物固有的缺陷和正常损耗或运输延误，或者是属于托运人的责任范围，保险公司不负责赔偿。属于最后一点。买方应向卖方索赔。