A:虽然我曾经办过几次保险，但仍有一事不是很了解。
B: What is it?
B：什么问题?
A: What do you think are the main factors that determine the premium rates?
A：你认为决定保险费率的主要冈素有哪些?
B: First.l think it is the carrying vessel.like its age, classification. ownership and management. And the second is packing.
B:首先，我认为是运载船只的情况。比如它的年龄，类型，船主及管理：其次就是包装.
A: Packing should be seaworthy for strong enough to endure rough handling.
A: 包装应适合海运或足够坚固，经得住野蛮装卸。
B: In some cases.it is. But not for air freight and container shipment,they tend to require less packing.
B:在某种情况下不是这样的，空运和集装箱运输就不是这样，它们往往要求较少的包装。
A: How about the type of merchandise to be shipped?
A: 装运商品的类型有关系吗?
B：It must be considered.because some goods are more vulnerable to damage.
B:当然需要加以考虑、因为有些产品更易破损。
A：Iguess the distance of transportation and modes of transport also influence the rates.
A: 我想运输距离和方式也会影响费率的。
B：Right. Sometimes.underwriters charge you at a higher premium just because the goods are easily to be damaged or get stolen.
B: 是的。有时候保险商会因为发运货物易受损或易被偷窃，而收取较高的保险费。
A：Are there close connections between the types of risks and the premium?
A:保险险种和费率之间关系密切吗?
B: Yes.the more expensive cover is required.the higher the premium rate is.
B: 是的，保险范围越广，保险费率就越高。
A: If the goods to be shipped are glassware.the premium rate against all risks including breakage differs greatly from that excluding it.
A: 如果所投保的货物是玻璃制品，投保包括破碎。险在内的一切险种与不包括破碎险的相比有很多的区别。
B: Last but not the least.the volume of cargo. That means a substantial shipment may get more favorable premium.
B:最后一点重要的是商品数量。就是说大批量的货物运输可能获得更优惠的保险费率。
A: I am clear about the rates now. I really appreciate your help.
A:现在我清楚了。感谢你的帮助。
B: I'm entirely at your service.
B:愿意为您效劳。
