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保险单的种类有哪些
保险单的种类有哪些
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保险单的种类有哪些

一、什么是保险单
根据我国《保险法》规定,保险合同成立与否并不取决于保险单的签发,只要投保人和保险人就合同的条款协商一致,保险合同就成立,即使尚未签发保险单,保险人也应负赔偿责任。保险合同双方当事人在合同中约定以出立保险单为合同生效条件的除外。
二、保险单的种类
1、S.G.保单
S.G.保单是劳爱德S.G.标准保单的简称。它是1906年英国议会通过的海上保险法的第一附件,成为英国法定的海上标准保险单。由于英国长期以来在海上保险业的主导地位,使得S.G.保单对全世界保险业有着非同寻常的影响。但是由于该保险单拟定时是将船、货一起作为保险标的承保的,与现代航运业的现状完全背离,所以已于1983年4月1日起被废止。
2、ITC保单
伦敦保险人协会于1983年10月1日正式使用的船舶定期险保险单,ICC保单与ITC保单一起取代了早先的S.G.保单。
3、ICC保单
伦敦保险人协会于1982年1月1日制定1983年3月31日开始实行的海上货物运输保险单。ICC保单与ITC保单一起取代了早先的S.G.保单。
4、大保单
大保单是指正式的保险单,亦简称保单,主要与小保单对应。是最正式的保险单据形式,又是国际贸易中使用最广的一种保险单据,还是保险人和被保险人之间成立保险合同成立的正式凭证。
5、小保单
小保单是保险凭证的简称,又称保险条。保险凭证是保险人签发给投保人的,表明其已接受其投保的证明文件,是一种简化的保险单。保险凭证上不载明保单背面保险条款,其余内容与大保单完全相同。凡保险凭证上没有列明的内容均以同类的大保单为准。小保单的法律效力与大保单相同,但不能作为对保险人提出诉讼的依据,因而在国际市场上使用不多。在实务中,小保单一般由保险人签发,也可由保险经纪人作为预约保险单代为签发。
6、预约保单
预约保险单是指保险人或保险经纪人以承保条形式签发的,承保被保险人在一定时期内发运的以C组术语出口的或以F组术语进口的货物运输保险单。它载明保险货物的范围、承保险别、保险费率、每批运输货物的最高保险金额以及保险费的计算办法。凡属预约保险单规定范围内的货物,一经起运保险合同即自动按预约保险单上的承保条件生效,但要求投保人必须向保险人对每批货物运输发出起运通知书,也就是将每批货物的名称、数量、保险金额、运输工具的种类和名称、航程起讫点、开航或起运日期等通知保险人,保险人据此签发正式的保险单证。

各种保险单据的适用范围是什么?
提示:

各种保险单据的适用范围是什么?

保险单。一般外贸企业所称的大保单就是保险单。它是保险人根据被保险人的要求,表示已接受承保责任而出具的一种独立文件。它是一种正规的保险单据,是被保险人在货物发生损失时进行索赔的主要依据。 保险凭证(InsuranceCertificate)。俗称小保单。保险凭证是保险人为了简化手续,把保险单的条款作了简略,对背面条款并不作详细记载的一种文件。所以它是保险单的一种简化形式的凭证。保险单与保险凭证具有同等法律效力。 联合保险凭证(CombinedInsuranceCertificate)保险公司不另出保险单,利用商业发票在上面加盖章戳,注明保险编号、承保险制、金额、装载船名、开船日期等,即以此作为保险凭证。必须注意,这种联合保险凭证不是专用单据,不能转让,仅适用于港、澳地区中资银行开来的信用证项下业务。

外贸高手帮忙看看信用证文件条款
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外贸高手帮忙看看信用证文件条款

这是Swift信用证第46项,单据要求: 签字的商业发票一式三份。 装箱单一式两份,注明包装符合出口包装标准。 正本清洁提单一套:收货人to order, 空白背书,通知人为开证申请人,注明freight collect和信用证号码 受益人证明:一套不可议付的单据在开船7日内已通过DHL快递寄给申请人。并附DHL的发件单,注明单号。 正本清洁检验证明:由开证申请人授权的人手签,签字需和在开证行预留的印签一致在交单前需和开证行进行确认,显示装船的数量和货物价值。(相关的检验证书必须经由开证行签名认证) 船公司开具的证明原件:证明只有在目的港提交全套正本提单后才可提货。 空白背书的海运保险单或保险凭证:以运输货物CIF金额加成10%投保。投保货物保险A条款,战争险和罢工险,保险金额用目的地的货币为支付货币。

信用证中insurance applicant's care是什么意思
提示:

信用证中insurance applicant's care是什么意思

保险申请人的护理

I'm looking for insurance from your company.
我是到贵公司来投保的。
Mr. Zhang met Mr. William in the office of the People' Insurance Company of China.
张先生在中国人民保险公司的办公室接待了威廉先生。
After loading the goods on board the hip, I go to the insurance company to have them insured.
装船后,我到保险公司去投保。
When should I go and have the tea insured?
我什么时候将这批茶叶投保?
All right. Let's leave insurance now.
好吧,保险问题就谈到这里。
I have come to explain that unfortunate affair about the insurance.
我是来解释这件保险的不幸事件的。
I must say that you've corrected my ideas about the insurance.
我该说你们已经纠正了我对保险的看法。
This information office provides clients with information on cargo insurance.
这个问讯处为顾客提供大量关于货物投保方面的信息。
The underwriters are responsible for the claim as far as it is within the scope of cover.
只要是在保险责任范围内,保险公司就应负责赔偿。
The loss in question was beyond the coverage granted by us.
损失不包括在我方承保的范围内。
The extent of insurance is stipulated in the basic policy form and in the various risk clause.
保险的范围写在基本保险单和各种险别的条款里。
Please fill in the application form.
请填写一下投保单。
 
Words and Phrases

insure 保险;投保;保证
insurance 保险;保险费;保险金额
underwriters 保险商(指专保水险的保险商)保险承运人
insurance company 保险公司
insurer 保险人
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

What risks is the People's Insurance Company of China able to cover?
中国人民保险公司承保的险别有哪些?
What risks should be covered?
您看应该保哪些险?
What kind of insurance are you able to provide for my consignment?
贵公司能为我的这批货保哪些险呢?
It's better for you to can the leaflet, and then make a decision.
你最好先看看说明书,再决定保什么险。
These kinds of risks suit your consignment.
这些险别适合你要投保的货物。
May I ask what exactly insurance covers according to your usual C.I.F terms?
请问根据你们常用的CIF价格条件,所保的究竟包括哪些险别?
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.
阅读保险单上的“细则”对你是十分重要的,这样就能知道你要买的保险包括哪些项目。

Words and Phrases

PICC (People's Insurance Company of China) 中国人民保险公司
risk insured, risk covered 承保险项
risk 险别
to provide the insurance 为...提供保险
leaflet 说明书
fine print 细则



what is the insurance premium?
保险费是多少?
The premium is to be calculated in this way.
保险费是这样计算的。
The total premium is 800 U.S. dollars.
保险费总共是800美圆。
The cover paid for will vary according to the type of goods and the circumstances.
保险费用按照货物类别的具体情况会有所不同。
The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance.
我们所收取的费率是很有限的,当然,保险费用要根据投保范围的大小而有所不同。
According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered.
根据共同保险条款,保险人通常必须付全部费用的百分之二十。
The insurance rate for such kink of risk will vary according to the kind.
这类险别的保险费率将根据货物种类而定。
Insurance brokers will quote rates for all types of cargo and risks.
保险经纪人会开出承保各类货物的各种险别的费用。
Can you give me an insurance rate?
您能给我一份保险率表吗?
Could you find out the premium rate for porcelain?
您能查一下瓷器的保险费率吗?
You should study not only the benefits but also the terms and limitations of an insurance agreement that appears best suited to your needs.
你不仅要研究各种保险所标明的给予保险人的赔偿费用,还要研究它的条件与限制,然后选出最适合你需要的一种。
 
Words and Phrases

insurance expense 保险费
premium rate 保险费率
premium 保险费
insurance rate 保险费率表
insurance proceeds 保险金(保险收入)

F.P.A. stands for "Free from Particular Average".
FPA代表平安险。
W.P.A. stands for "With Particular Average".
WPA代表水渍险。
I'll have the goods covered against Free from Particular Average.
我将为货物投保平安险。
I know that F.P.A insurance doesn't cover losses on consumer goods.
我知道平安险不包括消费品的种种损失。
I don't think that the W.P.A insurance covers more risks than the F.P.A..
我认为水渍险承保的范围并不比平安险的范围宽。
Free from Particular Average is good enough.
只保平安险就可以了。
The goods are to be insured F.P.A.
这批货需投保平安险。
What you've covered is Leakage.
你所投保的是渗漏险。
Why don't you wish to cover Risk of Breakage?
您为什么不想投保破碎险呢?
W.P.A coverage is too narrow for a shipment of this nature, please extend the coverage to include TPND.
针对这种性质的货物只保水渍险是不够的,请加保偷盗提货不成险。
Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage?
您不想保水渍险和附加破碎险吗?
Not every breakage is a particular average.
并不是所有的破碎险都属于单独海损。
The coverage is W.P.A. plus Risk of Breakage.
投保的险别为水渍险加破碎险。
Well, obviously you won't want All Risks cover.
显然,你不想保综合险。
An All Risks policy covers every sort of hazard, doesn't it?
一份综合险保单保所有的险,是吗?
We'd like? to cover the porcelain ware against All Risks.
我们想为这批瓷器投保综合险。
Please insure the shipment for RMB5,000 against All Risks.
请将这批货物投保综合险人民币5000元。
We've cover insurance on these goods for 10% above the invoice value against All Risks.
我们已经将这些货物按发票金额加百分之十投保综合险。
An F.P.A. policy only covers you against total loss in the case of minor perils.
平安险只有在发生较小危险时才给保全部损失险。
The F.P.A. doesn't cover partial loss of the nature of particular average.
平安险不包括单独海损性质的部分损失。
A W.P.A. or W.A. policy covers you against partial loss in all cases.
水渍险在任何情况下都给保部分损失险。
You'll cover SRCC risks, won't you?
你们要保罢工、暴动、民变险,是吗?
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.
按照我们的惯例,只保基本险,按发票金额110%投保。如果要加保其它险别,例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等,额外保险费由买方负担。

Words and Phrases

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

We can serve you with a broad range of coverage against all kinks of risks for sea transport.
我公司可以承保海洋运输的所有险别。
Generally speaking, aviation insurance is much cheaper than marine insurance.
空运保险一般要比海运保险便宜。
Then "all marine risks" means less than "all risks".
那么,“一切海洋运输货物险”意味着比“一切险”范围小一些。
In the insurance business, the term "average" simply means "loss" in most cases.
在保险业中“average”一词一般是“海损”的意思。
Are there any other clauses in marine policies?
海运险还包括其它条款吗?
Breakage is a particular average, isn't it?
破碎险属于一种单独海损,对吗?
the risk of breakage is covered by marine insurance, isn't it?
破碎险是包括在海洋运输货物险之内的,对吗?
The English understood by "marine risks" only risks incident to transport by sea.
英国人对“海洋运输货物险”只理解为海洋中的意外风险。
Generally, the term "all marine risks" is liable to be misinterpreted and its use should be avoided in L/C.
一般地,“一切海洋运输货物险”容易被误解,应该避免在信用证中使用。