外贸英语话题王 第150期:保险纠纷

 　　4.Disputes over Insurance  保险纠纷

　　As you may recall the June consignment¹ arrived at India seriously damaged. 你也许记得，6月份发运到印度的那批货破损严重。

　　The loss through breakage was over 30% of the consignment.  破碎损失超过这批货的30%。

　　We've presented a claim to the underwriters through your firm, but the insurance company refused to admit liability，as there was no insurance on breakage.  我们已经通过你们公司向保险公司提出了索赔，但保 险公司以没有投保破碎险为由，拒绝承担责任。

　　We naturally were not satisfied with such a reply.  我们当然对这种答复不满意。

　　I'd like to hear what Mr. Li has to say about it. 我想听听李先生对此的看法。

　　You know, the loss in question was beyond the coverage² granted by us. 你说的损失并不包括在我们承保的责任范围内。

　　According to your instructions. We made out an insurance certificate covering WAP and the risk of breakage wasn't mentioned in it. 根据你们的要求，我们出具了投保水渍险 的保险凭证，但没提及到破碎险。

　　In the letter of credit only coverage for all marine³ risks was requested.  信用证只要求投保“综合海运险”。

　　I'd like to point out that our prices were calculated without insurance for any special risk.  我想要指出的是，我们的价格没把任何特殊险计算在内，

　　So we applied⁴ for the usual WAP coverage and let our customers deal with the matter of breakage. 所以我们只投保了通常的水渍险，而让我 们的客户自相办理破碎险事宜。

　　Mr. King. we presume that the wording of our UC implies covering the risk of breakage.  金先生，我认为信用证的措辞包含了投保破碎险。

　　Besides，when I take a WAP insurance which is with particular average. 此外，我投保水渍险时, 那就是对单独海损要负责赔偿，

　　I think the risk of breakage is a particular average, isn't it? 我想破碎险是属于一种单独海损对不对？

　　Not every breakage is a particular average.  并不是所有破碎险都属于单独海损。

　　It is a particular average when the breakage results from natural calamities⁵ or maritime⁶ accidents. 只有由于自然灾害或意外事故造成的破碎才属于单独海损。

　　If none of these conditions occur, breakage is often considered as an ordinary loss, which is outside the scope of the coverage. 如果没有发生上述事故，破碎险常被 认为是一种普通损失，不属于承保范围之内 。

　　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？

　　Of course, but it is a usual practice to make specific mention in the insurance policy or certificate that the risk of breakage is included. 当然，但按照惯例要在保险单或保险凭证上特别注明破碎险包括在内。

　　The inclusion of this special risk will be subject to an additional premium⁷ that will normally be higher than the basic insurance for the ordinary marine risks. 包括这种特别险就必须附加保险费，这种保险费一般比通常的海洋运输货物险高。

　　I see.  我懂了。

　　Another thing I don't understand now is the advantage of WAP coverage. 另外一件事我现在还不明白，保水渍险有什么好处。

　　I thought that the WAP insurance should cover all principle risks while, according to what you say，it means very little. 我原以为水渍险包括全部主要风险，而根据你说的，它承保责任却很少.

　　Neither the WAP nor the FPA mention the risks covered or excluded.  无论水渍险还是平安险都不注明包括哪些险别或不包括哪些险别。

　　Look at the insurance certificates and you will find that  保险范嗣是写在基本保险单内和各种险别条款里。

　　the risks of theft and pilferage⁸, freshwater, oil, grease, hooks, breakage, leakage⁹, contamination, deterioration¹⁰, etc are specifically mentioned and must be specifically applied for.  你看保险凭证就会发现偷窃险，淡水险，油渍险，油污险，钩损险，渗漏险，玷污险，变质险等都特加注明，并且必须特别申保。

　　These are special risks. 这些就是特别险.

　　It seems that the error was on both sides and I think the loss should be shared by both parties. 看来双方都有错误，我认为损失应由双方承担。

　　Our price calculation could hardly admit that.  我们的计价不容许这么做。

　　Besides, we acted upon your instructions, so it is not our fault.  此外，我们是按你们的要求办理的，所以这不是我们的过错。

　　But in view of our good partnership¹¹, we'll supply you with a favorite offer to compensate¹² some of your losses. 但鉴于我们良好的伙伴关系，我们准备给你们提供优惠的报盘，借以补偿贵方的一些损失。

1 consignment   

n.寄售；发货；委托；交运货物

参考例句：

• This last consignment of hosiery is quite up to standard.这批新到的针织品完全符合规格。
• We have to ask you to dispatch the consignment immediately.我们得要求你立即发送该批货物。

2 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

3 marine   

adj.海的；海生的；航海的；海事的；n.水兵

参考例句：

• Marine creatures are those which live in the sea. 海洋生物是生存在海里的生物。
• When the war broke out,he volunteered for the Marine Corps.战争爆发时，他自愿参加了海军陆战队。

4 applied   

adj.应用的；v.应用，适用

参考例句：

• She plans to take a course in applied linguistics.她打算学习应用语言学课程。
• This cream is best applied to the face at night.这种乳霜最好晚上擦脸用。

5 calamities   

n.灾祸，灾难( calamity的名词复数 )；不幸之事

参考例句：

• They will only triumph by persevering in their struggle against natural calamities. 他们只有坚持与自然灾害搏斗，才能取得胜利。 来自《现代汉英综合大词典》
• One moment's false security can bring a century of calamities. 图一时之苟安，贻百年之大患。 来自《现代汉英综合大词典》

6 maritime   

adj.海的，海事的，航海的，近海的，沿海的

参考例句：

• Many maritime people are fishermen.许多居于海滨的人是渔夫。
• The temperature change in winter is less in maritime areas.冬季沿海的温差较小。

7 premium   

n.加付款；赠品；adj.高级的；售价高的

参考例句：

• You have to pay a premium for express delivery.寄快递你得付额外费用。
• Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后，清水便因稀而贵了。

8 pilferage   

n.行窃，偷盗；v.偷窃

参考例句：

• Pilferage in the warehouse reduces profitability by about two per cent.仓库中的失窃使利润损失了百分之二。
• Presumably,this redundancy reduces petty embezzlement and pilferage,albeit at staggering costs.这种繁琐的手续大概是为了防止贪污和小偷小摸，却不管为此会付出多大的代价。

9 leakage   

n.漏，泄漏；泄漏物；漏出量

参考例句：

• Large areas of land have been contaminated by the leakage from the nuclear reactor.大片地区都被核反应堆的泄漏物污染了。
• The continuing leakage is the result of the long crack in the pipe.这根管子上的那一条裂缝致使渗漏不断。

10 deterioration   

n.退化；恶化；变坏

参考例句：

• Mental and physical deterioration both occur naturally with age. 随着年龄的增长，心智和体力自然衰退。
• The car's bodywork was already showing signs of deterioration. 这辆车的车身已经显示出了劣化迹象。

11 partnership   

n.合作关系，伙伴关系

参考例句：

• The company has gone into partnership with Swiss Bank Corporation.这家公司已经和瑞士银行公司建立合作关系。
• Martin has taken him into general partnership in his company.马丁已让他成为公司的普通合伙人。

12 compensate   

vt.补偿，赔偿；酬报 vi.弥补；补偿；抵消

参考例句：

• She used her good looks to compensate her lack of intelligence. 她利用她漂亮的外表来弥补智力的不足。
• Nothing can compensate for the loss of one's health. 一个人失去了键康是不可弥补的。