（) the goods insured, you have to fill in this application form. first.A、HavingB、To hav

A.0.1

B.0.2

C.0.3

D.0.4

A、They are talking about basic risks

B、They are talking about insurance coverage

C、They are talking about what goods should be insured

D、They are talking about when the goods should be insured

此题为判断题(对，错)。

A．A third party inspection certificate

B．An insurance policy

C．A black list certificate

D．An insurance certificate

Usually insurance is arranged by the exporter (under CIF terms etc. ) or the importer (under FOB, CFR terms etc.) approaching an insurance company which has a department specializing in cargo insurance. They may start by inquiring and choosing the right coverage and then negotiate insurance premium rates. Sometimes, brokers may be utilized whose assistance can be of enormous benefit as they are highly skilled specialists and can obtain sound and reliable coverage, together with competitive premium rates. In export trade, who will effect insurance depends on the particular trade terms adopted. Under CIF terms, it is the seller who arranges insurance with an insurance company. Under the terms as FOB, CFR, the buyer effects insurance, but he may ask the seller to arrange insurance on behalf of the buyer. An insurance policy is issued when goods are insured, but it is also usual for certificate of insurance to be issued for documentary purposes. An insurance policy is acrually a contract, serving as evidence of the arrangement between the insurer and the person taking out insurance. It forms part of the shipping documents.

In completing the insurance contract-the insurance policy-either party, buyer or seller, will undergo different steps, they are :

1. To apply for marine insurance

In some countries, the first step the insured party should take is to apply for insurance from a certain insurance company. The applicant should fill in the special form-the proposal form, which gives all the details concerning ownership, value, time span insurance will be for, risks and coverages, etc.

2. To determine the insurance value of the goods to be insured

Cenerally speaking, the value to be insured is based on the value of the commercial invoice; the need for maintaining adequate insurance has already been stressed. The recommended minimum amount is the total CIF value plus 10% for other fees and normal margin of profit. Probably the best way of determining needed insurance is to estimate the market value of the goods at the port of destination and to obtain coverage for that amount. Other methods of arriving at a valuation of goods may also be agreed,as determination of the value to be insured varies from country to country.

3. To determine the insurance average and coverage

Determining the right coverage sometimes can be easy, and sometimes difficult. The decision can be made only on the basis of the following factors : the nature of the product; packing considerations such as difference of air and sea transport; shipping route and ports consideration such as any transshipment on the way to the final port, etc. Based on the above factors , the insured may consider the averages and coverages. The average is closely linked with the goods and the goods,in return, are related with the coverage.

4. To determine insurance premium rates

The rates 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. Also important is each individual shipper's past loss experiences. Af'ter a period of favorable experience, rates may be lowered. Conversely,a shipper with a bad loss record may find his premiums increased. Generally, the greater the risks that the consignment is exposed to,the higher the premium will be. Premium for sending goods through the Persian Gulf,where the area is at a war, are much higher than sending oil through the Suez Canal. More exactly, the factors determining the insurance premium rates include the carrying vessel, nature of' the packing used, type of merchandise involved, nature of transit and related warehouse accommodation, previous experiences , the extent of cover needed and the volume of cargo involved.

5. To sign an insurance policy

Before filling in and signing an insurance policy, it is important to know what an insurance policy is and the kind of insurance policies. The most common policies being used now in the world today are msurance policy, insurance certificate and open policy , etc.

6. To lodge an insurance claim

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. A basic prerequisite for having a claim recognized by the insurance company is that the one making the claim has an insurable interest in the goods. Susceptibility to financial loss by the claim, if the shipment is lost or damaged,is sufficient to demonstrate an insurable interest. Claims can be made by the shipper,the buyer or even a carrier that has first lien on goods for unpaid freight charges. The one who registers a claim is not so easy. It needs patience, evidence and knowledge.

Most insurance company policies require that immediate notice be given to the nearest branch or agency in the event of damage giving rise to claim under a policy on goods. When notified of damage, the company's agent appoints a suitable surveyor to inspect the goods and to report on the nature and extent of damage. A common practice is for a report or certificate of loss incorporating the surveyor's findings to be issued to the consignees , the latter paying the fee. This certificate of loss is included with the claim papers and, if the loss is recoverable under the insurance cover,the fee is refunded to the claimants.

In some circumstances , the claim pap ers are returned to the place where the insurance was effected and subsequently to the underwriters. However, especially where goods are sold on CIF terms and the policy is assigned to the consignees;arrangements are made for any claims to be paid at destination. In such cases, the consignees approach the agents named in the policy for payment of their claims. Of course, the claims procedure will vary by circumstances but undoubtedly a quicker settlement should be secured in the event of loss or damage.

Questions for reading :

for, claim, on, in, at, it, that under, with, insurer, insurance, call Dear Sirs,

Thank you for your letter of 20 May with a claim(1)breakages.

Your(2)is for GB￡200(3)the shipment delivered on 18 May to your order No．2423.

The goods were(4)perfect order and properly packed in cardboard boxes．They were then placed in a sealed container(5)our factory． (6) is difficult to imagine how any breakages could occur.

Fortunately, the goods were fully insured(7)our standard policy(8)Lloyds of London, but in order to make a claim we shall need much more information.

Please make a complete inventory of the broken items and send it to us．We shall then contact our(9)．Their agent will probably(10)on you to check the consignment.

I apologize for the inconvenience caused.

Yours faithfully,

根据下列所提供的信用证条款的主要内容及有关信息，填写海运集装箱提单和海运货物保险单有关项目。

Irrevocable documentary credit

Number: LC666-12345678

Date: March 5, 2008

Date and place of expiry: April 30, 2008 Shanghai, China

Advising bank: Bank of China

Beneficiary: China AAA Import and Export Corp.

Applicant. U.K. BBB Corp.

Shipment from Shanghai to London, on or about April 5, 2008

Partial shipments: Not allowed

Transshipment: Not allowed

Description of goods: 100% Cotton Towel as per S/C No. CH2008

Total amount: USD10000(SAY US DOLLARS TEN THOUSANDS ONLY)

Total quantity: 200 Cartons

Total gross weight: 17300KGS

Total measurement: 26CBM

Price term: CIF London, U. K.

Following documents required:

+ Signed commercial invoice in triplicate

+ Packing list in triplicate

+ Full set of three clean on board ocean bills of lading made out to order of shipper and endorse in blank and marked "freight prepaid" and notify applicant

+ Insurance Policy in duplicate for full CIF value plus 10% covering All Risks as per Ocean Marine Cargo Clauses of the PICC dated 1/1/1981 and stating claims in London, U. K. , in the currency of the credit

Information :

Ocean Vessel: "CCC" Voy. No. : 005E

Invoice No. : AAA2008-0218

B/L No. : 0688

Container No. : CBHU0180286

中保财产保险有限公司

The People's Insurance(Property)Company of China,Ltd．

发票号码：(11) 保险单号次：

Invoice No.： Policy No.：

海洋货物运输保险单

MARINE CARGO TRANSPORTATION INSURANCE POLICY

被保险人：(12)

Insured：__________________ __________________

中保财产保险有限公司(以下简称本公司)根据被保险人的要求，及其所缴付约定的保险费，按照本保险单承担险别和背面所载条款与特别条款承保下列货物运输保险，特签发本保险单。

This policy of Insurance witnesses that the People's Insurance(Property)Company of China,Ltd.(hereinafter called"the Company"),at the request of the Insured and in consideratoon of the agreed premium paid by the In-sured，undertakes to insure the undermentioned goods in transportation subject to the condition of this Policy as Per the Clauses printed overleaf and other special clauses attached hereon．

承保险别货物标记

Conditions Marks of Goods

(16)

总保险金额：

Total Amount Insured：__________________

保费载运工具开航日期

Premium as arranged Per conveyance S.S______Slg On or Art______

起运港 目的港

From(17) to (18)

所保货物，如发生本保险单项下可能引起索赔的损失或损坏，应立即通知本公司F述代理人查勘。如有索赔，应向本公司提交保险单正本(本保险单共有(19)份正本)及有关文件。如一份正本已用于索赔，其余正本则自动失效。

In the event of loss or damage which may result in a claim under this Policy, immediate notice must be given to the Company's Agent as mentioned hereunder.Claims, if any,one of the Original Pohcy in 2 Original(s)together with the relevant documents shall be surrendered to the Company,if one of the Original Pohcy has been accom-plished, the others to be void．

中保财产保险有限公司

THE PEOPLE'S INSURANCE(PROPERTY)COMPANY OF CHINA,LTD．

赔款地点

Claim payable at______________________________

日期 在

Date(20) at

地址：

Address：________________________