国际商务英语 Unit 10 Insurance 保险 - B-2
对话 -1

A: Mr. Brown, our import license only ran up to the middle of February, consequently we were not able to extend the validity of the letter of credit. But we presume that the wording of our L/C implies covering the risk of breakage. Besides, when I take a W.P. A. insurance, that is, with particular average, I should think the risk of breakage is a particular average, isn ' t it? 布朗先生，我们进口许可证的有效期到二月中旬截止，因此我们无法延长信用证的有效期。但是我方认为信用证的措辞包含了投保破碎险。此外，当我投保水渍险时，那就是对单独海损要负责赔偿， 我想破碎险是属于一种单独海损，对不对？

J: Not every breakage is a particular average. It is a particular aver- age when the breakage results from natural calamities or maritime accidents, such as stranding and sinking of the carrying vessel, or is attributable to fire, explosion or collision. If none of these conditions occur, breakage is often considered as an ordinary loss and represents what we call "inherent vice or nature of the subject matter insured" which is outside the scope of the coverage. 并不是所有破碎险都是属于单独海损。只是由于自然灾害或意外事 故所造成的破碎，如货船搁浅与沉没，或归因于着火、爆炸、或碰 撞所引起的破碎才算是属于单独海损。如果没有发生上述事故，破碎便常被认为是一种普通损失，也就是我们所说的，由于“货物内在缺陷或特性”所引起的损失，不属于承保范围之内。

A: But the risk of breakage is covered by marine insurance, isn ' t it? 但破碎险是包括在海洋运输货物险之内，对不对？

J: Certainly, but it is a usual practice to make specific mention in the insurance policy or certificate that the risk of breakage is included. The inclusion of this special risk will be subject to an additional premium that will normally be higher than the basic insurance for the ordinary marine risks. The rate for such risk will vary accord- ing to the kind of commodity, or, as in ceramics, according to the fragility of the goods. I think you must know all about that. 当然，可是按照通常惯例要在保险单或保险凭证上特别注明破碎险包括在内。包括这种特别险就必须附加保险费。这种保险费一 般要比通常的海洋运输货物险的基本险高。这类险别的保险费率将根据货物种类，比如陶瓷器，根据货物的易脆性而有所不同。我想这些你应该都知道。

A: Well, I have heard something about it but I can ' t say that it is very clear to me. I must admit I ' m a layman as far as insurance is concerned. 哦，我听说过一些，但我不能说很清楚。我得承认，就保险而言，我是个外行。

J: Then let me explain this insurance. 那我来解释一下这种保险吧。

B: Mrs. Wang, would you care for a cup of tea? Or some coffee? 王小姐，想喝杯茶呢还是咖啡？

A: Thank you. A cup of tea would be nice. And now, let me hear more about the problem of insurance. 谢谢，来杯茶倒挺好的。现在，我还想再听听关于保险的问题。