1. Insurance Policy is the most commonly used document which contains all the details concerning the goods, coverage, premium and the insured value.
----保险单是最常用的单证，它包括货物﹑险别﹑保险费和保险额的一切细节。
2. To be covered by the Seller for 110% of the invoice value against All Risks as per the Ocean marine Cargo Clauses of PICC. If broader coverage is required, the buyers must have the consent of the sellers before shipment, and the additional premium is to be borne by the buyers.
----货物由卖方按发票金额的110%按中国人民保险公司海洋保险条例投保一切险。如果买方需要投保范围更广的话，买方在装运前，要争得卖方的同意，额外费用由买方负担。
3. The special risks policy covers the goods irrespective of percentage, as well as against pilferage, short delivery， breakage and leakage, damage by water, hooks oil and so on.
----特殊险别包括偷窃及提货不着险﹑短装险﹑破碎险和渗漏险，水渍险及勾损险，无免赔额。
4. It is a common practice in international trade to insure goods against the risks during the transportation. The risks include fire, storm, collision, leakage and pilferage, ect..
----对运输中的货物进行保险，是国际贸易的惯例。保险包括：火险﹑风暴险﹑碰撞险﹑破碎险及偷窃提货不着险。
5. Insurance Policy or Certificates issued by insurance companies, for 110% of invoice value, fully covering the merchandise from point of origin to warehouse at destination against the risks of Marine Perils, Fire, War and C.I.C. Cargo Clause (All Risks) irrespective of the percentage.
----保险公司签发的保险单或保险凭证，按发票价值110%将货物投保发运地点之目的港仓库的海上风险﹑火险﹑兵险和中国人民保险公司货物保险条例的综合险，无免赔额。
6. Whenever an actual loss occurs, it is important that the one having an interest in the goods can get fair, efficient, and rapid adjustment of his claims.
----任何时候，只要出现实际损失，保险人便能得到公正的﹑效率高的和迅速的索赔理算。
7. The rate charged by the insurance company depend on many factors. The important determinants include the type of coverage desired, shipping routes, types of conveyances, duration of the voyage and nature of the goods.
----保险公司收取的保险费率基于很多因素。最主要的决定因素包括所需的险别种类﹑运输航线﹑运载工具种类﹑航程期限制和货物的性质。
8. The usual insurance amount is 110% of the invoice value. If you require a higher percentage, you will have to bear the extra premium.
----通常的保险费是按发票金额的110%征收的。如果你想按更高的比率投保，你要负担额外的保险费。
V. Translate the following into English: 1. 请代我们投保一切险和战争险。
----Please arrange insurance against All Risks and War Risk on our behalf.
2. 请对上述货物按10万英镑投保水渍险。
----Please effect insurance on the above goods against W.P.A for ￡100000.
3. 请代我们对下列安排投保综合险。
----Please cover insurance on the following goods against All Risks on our behalf..
4. 保险金额通常为发票金额的110%。
----Insurance premium is usually for 110% of the invoice value.
5. 请对货物在运输途中的损失投保，费用由我方承担。
----Please cover insurance for the goods in transit, the expense is for our account.
6. 我们认为有责任提醒一下，我们双方签订的是CIF合同，卖方负责保险和装运。
----We feel it our duty to remind you that the contract we signed is on CIF basis, the seller is responsible for insurance and shipment.
7. 额外保险费由买方承担。
----The additional premium will be for the buyer’s account.
8. 我们确认我们从今天起承保这批货物。
---We confirm to cover this goods from today.
9. 我们可以办理海运、陆运和空运的所有险别。
----We are able to cover all kinds of risks for transportation by sea, land and air.
10. 我们已收到你方7月23日来函，此函要求我们将标题货物投保，保险费由你们承担。
----We have received your letter of July the 23rd for insurance on the subject goods and the premium is to be borne by you.
VI. Write a letter to the seller for insurance
Dear Sirs,
Re: 400 cases of toys
We wish to refer to our order No. 567 for 400 cases of toys, as you know this order is on CFR Sydney, we should like to arrange insurance for this cargo.
But now we wish to have the goods insured at your end. It will be appreciated if you can cover insurance on our behalf for 110% of total invoice value against all risks as per Ocean Marine Clause of the People’s Insurance Company of Chine, dated January, 1981.
The premium will be of course refunded to you upon receipt of your debit note, or if you like, you may draw on a sight draft on us for the amount.
Your sincerely
Wendy Li
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