☆We hope to receive the quotation of your rate for the cover.我们希望得到投保的价格。
     ☆Please cover for us the cargo listed on the attached sheet.请代我方对附表所列货物投保。
     ☆Could you cover the Risk of Breakage for this lot of goods？你可以为我们这批货保破碎险吗？
     ☆Please insure the goods at our cost against damage in transport.请对货物在运输途中的损失投保，费用由我方承担。
     ☆The additional premium is for the buyer's account.增加的保费由买方负担。
     ☆The insurance company is responsible for the claim，as far as it is within the scope of coverage.只要在保险责任范围内，保险公司就应赔偿。
     ☆The coverage is written in the basic policy form and the clauses for different risks.保险范围写在基本保险单内和各种险别的条款里。
     ☆What do your insurance clauses cover？你们的保险条款中有哪些险种？
     ☆The loss in question is beyond the coverage granted by us.We refuse to admit liability.你说的损失并不包括在我们承包的责任范围之内。我们拒绝负责。
     ☆What types of cover does your insurance company usually underwrite？你们保险公司一般承保哪些险别？
     ☆The kind of additional risk is coverable at a premium of 2%.这种附加险的保险费率为2%。
     ☆We leave the insurance arrangements to you but we wish to have the goods covered against All Risks.保险事宜由贵方安排，我们希望为货物投保综合险。
     ☆I think Risk of Breakage is included in your CIF price.我想破碎险已包含在贵公司的CIF价中。
     ☆We agree to add the coverage of Risk of Breakage，but its premium should be borne by your company.我公司同意加保破碎险，但其保险费由贵公司承担。
     ☆I think War Risk should be covered，too.我认为应该也要投保战争险。
     ☆The Risk of Breakage is covered by marine insurance.破碎险包括在海洋运输货物险之内。
     ☆If you wish to add other risks，you should pay extra premium.如果您想投保其他险别，你应额外付费。

     A：Can I help you？
     B：We would like to have our goods insured with you.What does your insurance clause cover？
     A：There are three basic covers，namely FPA，WPA and All Risks.What kind of insurance are you interested in？
     B：I have no idea，I have a batch of tea sets to be shipped to Canada.
     A：I see，you'd better cover against WPA and Breakage.
     B：OK.I'll take your advice.Thank you.
     A：My pleasure.

     A：需要帮忙吗？
     B：我们想把货物在你这里投保。你们的保险条款包括什么？
     A：这有3种主要保险种类，有平安险、水渍险和综合险。你要投哪一种？
     B：我也说不好，我有一批茶具要运往加拿大。
     A：我知道了，你最好投水渍险和破碎险。
     B：好的，我会采纳你的建议，谢谢。
     A：不客气。
     （Mr.Ding and Miss Feng are discussing the insurance rate.）
     A：Could you let me know how to calculate the insurance premium？
     B：The premium is to be calculated in this way：First，find out the premium rate for the goods，that is x%.And second，consider what risks are covered.Then calculate the total value you are insuring.Usually we cover the insurance for 110%of the invoice value.
     A：Can I have the goods insured for 130%of the invoice value？
     B：Yes，but please note that the extra premium for the difference between 130%and 110% should be borne by the buyer.
     A：That's understandable.Thank you very much.
     B：You're welcome
     （丁先生和冯小姐在讨论保险费率。）
     A：您能告诉我怎样计算保险费吗？
     B：保险费是这样计算的，首先查出这种货物的保险费率是x%，第二步要看您投保的险别，然后按您所投保的总价值来计算。通常我们是按照发票金额的110%来投保的。
     A：我可以按发票金额的130%投保吗？
     B：可以，但请注意，130%与110%之间的差额所带来的额外保险费应由买方负担。
     A：明白了，非常感谢。
     B：别客气。

     A：May I ask you a few questions about insurance？
     B：Yes，how can I help you？
     A：We would like to have our goods insured with you.What does your insurance clause cover？
     B：There are three basic covers，namely，Free from Particular Average，With Particular Average and All Risks.What coverage will you take out？
     A：Could you cover the Risk of Breakage for us？
     B：Risk of Breakage is classified under Extraneous Risks.If you put forward this request，we can insure it for you.
     A：Who will pay the premium for the Risk of Breakage？
     B：The additional premium is for the buyer's account.That's the international practice.
     A：OK.Thanks a lot.
     A：我可以问一些关于保险的问题吗？
     B：可以，有什么需要吗？
     A：我们想把货物在你这里投保。你们的保险条款包括什么？
     B：这有三种主要保险种类，有平安险、水渍险和综合险，你要投哪一种？
     A：给我投破碎险好吗？
     B：破碎险是外部风险的类别，既然您提出了，我们可以给您投。
     A：谁将负担增加的费用？
     B：增加的费用由买方负担，这是国际惯例。
     A：好的，多谢。

     A：Last time，we talked about the terms of payment.Shall we take up the terms of insurance today？
     B：OK.What's your usual practice？
     A：Since we are to sell goods on CIF basis，so we'll buy the insurance.
     B：That's to say the premium should be borne by you.
     A：Certainly.
     B：From which insurance company will you have the goods insured？
     A：All our export goods sold on CIF terms are insured with the People's Insurance Company of China（PICC）.
     B：What kind of insurance can they provide？
     A：They can provide a broad range of marine insurance，such as FPA，WPA，All Risks and Extraneous Risks.
     B：What kind of coverage will you take out for the goods we ordered？
     A：We shall cover the goods against WPA only.
     B：OK.
     A：上次我们谈论了有关付款的条款，今天我们谈论一下保险条款，好吗？
     B：好吧。你们通常怎样做呢？
     A：因为货物是按到岸价出售的，所以我方将办理保险。
     B：也就是说你们付保险费。
     A：当然。
     B：你们投保的公司是哪一家？
     A：我们所有按到岸价出口的货物都在中国人民保险公司投保的。
     B：中国人民保险公司能保哪些方面的险呢？
     A：承保各种水险，比如平安险、水渍险、一切险以及附加险等。
     B：你们准备为这批货保什么险呢？
     A：我们只投保水渍险。
     B：好吧。

     A：Good afternoon，Mr.Smith.
     B：Good afternoon，Mr.Li.I have been expecting you，as you may recall，the May consignment arriving in New York is seriously damaged.
     A：I do remember that.But you have not asked for coverage in case of breakage.
     B：I should think the Risk of Breakage is a particular average，isn't it？
     A：Not every breakage is a particular average.
     B：Can you explain it？
     A：The breakage resulting from natural disasters or maritime accidents belongs to a particular average.
     B：I must admit I'm a layman as far as insurance is concerned.
     A：It's not our fault.But in view of our good relationship，we'll supply you with a favorable offer to compensate some of your losses.
     B：Thanks a lot.I have to learn a lesson from this.
     A：下午好，史密斯先生。
     B：下午好，李先生我一直在期盼着您的到来，您也许记得，5月份发送到纽约的那批货物严重损坏了。
     A：我的确记得。但是你们并没有要求投保破碎险。
     B：我认为破碎险是一种单独海损，不是吗？
     A：并不是所有破碎都属于单独海损。
     B：您能解释一下吗？
     A：由于自然灾害和海上意外事故所造成的破碎才属于单独海损。
     B：我必须承认，就保险而言，我是个外行。
     A：这不是我们的过错。但是鉴于我们之间的良好关系，我们准备给贵方一个优惠报盘，以补偿你们的一些损失。
     B：太感谢了。我得从这件事中吸取教训。