商务英语 保险类

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2024年5月5日发(作者：)

Insurance

保险

Insurance is a key issue in international trade. The transportation of goods from the

seller to the buyer is generally over a long distance and it has to go through the procedure

of transit, loading and unloading, storage, etc. These goods, both being imported and

exported, are subject to damage or loss. So it is customary to insure the goods against

risks of collision,leakage, pilferage, fire and storm, etc.

The purpose of insurance is to provide compensation for those who suffer from loss

or danger that may be icurred. Cargo insurance is now an indispensable part to the import

and export practice. So it will make plain in a contract as to who will cover the insurance

and bear the expenses.

’买卖双方签订合同后，出口商备货装运。在货物到达买方之前，可能牵涉到的环节是：

买房将包装、装运要求发给卖方；买方催促装运，要求卖方提前或准时装运；卖方发出装船

通知；卖方通知买方投保等。不管是哪一种情况，一般在开头部分都会提及交易中的商品，

再就具体情况提出自己的要求。

If the goods are sold on CIF terms, the seller is responsible for the insuring and the

premium, which is 110% of the insurance value against risks as per Ocean Marine Cargo

Clauses of the People’s Insurance Company of China or other insurance companies.

While the buyer should arrange the insurance and bear the covering expenses, as in FOB

and CFR terms.

在货物运输前，买方（如果合同是以FOB或CFR为基础）或卖方（以CIF为基础）必须

对货物向保险公司投保。双方交换一贯的投保惯例。

Insurance protection is available for different means of transportation, such as marine,

land, and aviation as well as by post. Insurance clauses are drawn up to cater for different

kinds of commodities such as general cargo, refrigerated cargo, oil in bulk, live animals

and poultry, and other goods.

保险适用于各种交通运输渠道，比如海运，陆运，空运以及邮寄。所编写的保险条款是

为满足不同货物的需求如普通货物，冷藏货物，大量的油产品，家禽以及其他货物。

The premium rates are determined largely by competition but also greatly affected by

the character of the merchandise insured, the geographical area in which the shipmentes

are made, the classification of the vessels employed and the probable volume of the

insurance. In principle, the premium rates vary with different destinations and routes and

carrying periods of insurance.

保险费用很大程度上是由各保险公司竞争决定的，但也受货物本身特性，运输过程的地

理环境，船舶分类以及保险覆盖面等因素的影响。原则上，保险的费用等级由于不同的目的

地，路线和投保期限而多种多样。

In case of loss for damage, insurance investigator will be assigned to inspect the

case. If after the examination, the claim turns out to be justifiable, the underwriter shall

make payments to the consignee and get the right of subrogation. If the loss or damage to

the goods is caused by the international act or fault of the insured, or raising from inherent

vice or normal loss of the consignor, the insurance company is not liable to pay. In the last

instance, the buyer should file a claim against the seller.

万一发生了货物损坏，保险公司会派遣调查专员来检查事件始末。如果在检查之后，结

论是公正的，保险公司会对受托者进行补偿并且获得代位偿清的权利。如果是由于国际因素、

不确定因素、本身缺陷或者委托人本身正常的货损所造成的货物损失或货物坏损，保险公司

本文标签： 货物装运卖方保险保险公司