insure保险常见词汇表达短语和句子及概念.doc
Brief Introduction
在国际贸易中，货物从卖方到达买方，通常要经过长途的运输、装卸和存储等过程。在此过程中，货物常常会遇到许多风险。为了保障货物遭受损失时能得到一定的补偿，买方或卖方应在货物装船后向保险公司投保货物运输险。
对外贸易的运输保险是指：
被保险人（出口人或进口人）对一批或若干批货物向保险人按一定金额投保一定的险别，并交纳保险费；保险人承保后，如果所保货物在运输过程中发生约定范围内的损失，应按照所出具的保险单的规定给予被保险人经济上的补偿。
投保时，通常选择平安险（
F.P.
A.）,水渍险（ W.
A.或 W.P.
A.）或一切险（
A.R.）三种基本险别中的一种，然后，加保其他必要的特殊附加险别。
insure 保险；投保；保证
insurance 保险；保险费；保险金额
underwriters 保险商（指专保水险的保险商）保险承运人
insurer 保险人
insurance broker 保险经纪人
insurance underwriter 保险承保人
insurance applicant 投保人
insurant, the insured 被保险人，受保人
to cover (effect,arrange,take out) insurance 投保
insurance coverage;risks covered 保险范围
insurance slip 投保单
insured amount 保险金额
insurance against risk 保险
insurance clause 保险条款
insurance instruction 投保通知
insurance business 保险企业
insurance conditions 保险条件
PICC (People’ s Insurance Company of中China)国人民保险公司risk insured, risk covered 承保险项
risk 险别
to provide the insurance 为...提供保险
leaflet 说明书
fine print细则
insurance expense 保险费
premium rate 保险费率
premium 保险费
insurance rate 保险费率表
insurance proceeds 保险金（保险收入）
insurance free of (from) particular average (FPA)平.安险（单独海损不赔）
insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险 risk of breakage 破碎险
risk of clashing 碰损险
risk of rust 生锈险
risk of hook damage 钩损险
risk of inherent vice 内在缺陷险
risk of normal loss (natural loss)?途耗或自然损耗险
risk of contingent import duty进口关税险
insurance against war risk 战争险
Air Transportation Cargo War Risk 航空运输战争险
overland Transportation Insurance War Risk 陆上运输战争险
insurance against extraneous risks, insurance against additional risks附加险
risk of theft, pilferage and nondelivery (TRND)盗窃提货不着险
risk of fresh and/of rain water damage(wetting) 淡水雨淋险
risk of leakage 渗漏险
risk of shortage in weight/quantity短量险
risk of sweating and/or heating 受潮受热险
risk of bad odour(change of flavour)恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险
ocean marine cargo insurance clauses海洋运输货物保险条款transportation insurance 运输保险
overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险
ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险
average 海损
Particular Average (P.A)单独海损
General Average (G.A)共同海损
Marine Losses 海损
partial loss 部分损失
total loss 全部损失
health insurance 疾病保险，健康保险
sickness insurance 疾病保险
insurance for medical care 医疗保险
"major medical" insurance policy 巨额医药费保险
insurance during a period of illness 疾病保险
life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor 长寿保险
to purchase health insurance 购买健康保险
to have a health insurance policy 购买健康保险
Additional Words and Phrases
policy-holder 保险客户
extra premium 额外保险费
additional premium 附加保险费
记载保险合同双方当事人的权利义务及责任。保险单记载的内容是合同双
方履行的依据，保险单是保险合同成立的证明。
cover note承保单，保险证明
floating policy (or open policy)流动保险单
import cargo open cover进口预约保险合同
knock-for-knock agreement互撞免赔协议
leading underwriter's agreement for marine cargo business主要保险人海上货运协议 marine cargo insurance policy海上货物保险单
marine insurance policy海运保险单
open cover cargo insurance货物预约保险单，预约货物保险单
pen policy预约保险单
specific policy单独保险单
time policy期限保险单
valued policy定值保险单
voyage policy航程保险单
ALOP Advance Loss Profits预期利润损失险，利损险
ART Alternative Risk Transfer新型风险转移
BI Business Interruption Insurance 营业中断险
CAR construction all risks 建筑工程一切险（建工险）
CIC China Insurance Clause中国保险条款
CL Consequential Loss 后果损失
CXL catastrophe excess of loss巨灾超赔分保
EAR Erection All Risks 安装工程一切险（安工险）
EEI Electronic Equipment Insurance电子设备险
F.A.
A.free of all average 一切海损不赔险全损赔偿
f.g.a./faafree of general average 共同海损不赔险
F.O.
D.free of damage 损坏不赔
F.P.
A./FPAinsurance free of (from) particular average平安险（单独海损不赔）
F.R.
E.C. Fire Risk Extension Clause For Storage of Cargo at Destination HongKong, Including Kowloon ,or Macao 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款
F.W.R.
D.rain fresh water damage Risk淡水雨淋险
G.
A./GA general average共同海损 (保)
G.
A.A.general average agreement (bond)共同海损协议 (合同 ) G.
A.C. general average contribution 共同海损分摊额 (保)
I.P.
A.including particular average 包括单独海损 (保)
IBRN Incurred but not reported losses 已发生但未报的损失Lkg/Bkg leakage & breakage漏损与破损
LOI letter of indemnity 保函，也称损害赔偿保证书msca missing cargo灭失货物
NatCat Natural Catastrophe 自然灾害
保险英语缩写语 2
O.R.owner's risk 船舶所有人或货主承担风险
O.R.
B.owner's risk of breakage 破损风险由货主承担
O.R.
D.owner's risk of damage损失风险由货主承担
O.R.
F.owner's risk of fire 火灾风险由货主承担
P. chgs particular charges特别费用 (保)
P.& I. clause protection and indemnity clause 保护和赔偿条款
P.& I. club Protection and Indemnity club （Association）船东保赔协会 P.L.partial loss 部分损失 (保)
PA particular average 单独海损
Pandi club Protection and Indemnity club 船东保赔协会
payt.payment 支付 ,赔偿
PICC People's Insurance Company of China中国人民保险公司
PICC Re People's Insurance Company of China Re中国人民保险公司再保险公司 PML possible maximum loss可能最大损失
PTL partial total loss 部分和全部损失
PTND，P.T.N.
D.theft, pilferage and non-delivery 偷窃、提货不着险
S.P.
A.subject to particular average 平均分担单独海损
SRCC/ S.R.
TLO/T.L.O.insurance against total loss only 全损险
TPL Third Party Liability 第三者责任险
TRNDrisk of theft, pilferage and non-delivery 盗窃提货不着险
U/w underwriter 保险人
WA, WPAinsurance with particular average水渍险 / 一切险 (承保单独海损 )
XL excess of loss 超赔分保
保险条款 1
（1）air transportation cargo insurance clauses.航空运输货物保险条款
（2）air transportation cargo war risk clauses.（4）cargo all risks clause.
货物综合险条款
（5）cargo clauses.
货物保险条款
（6）excluding risk of breakage.
不包括破碎险
（7）from warehouse to warehouse clauses.
xx至 xx 条款
（8）including risk of bad odour.
包括恶味险
（9）including risk of breakage and clashing.
包括破裂或凹瘪险
（10）including risk of chipping & denting.
包括碎裂或凹弯险
保险条款 2
（11）Institute Air Cargo Clause.
协会航空货物保险条款
（12）Institute Cargo Clauses.
xx保险业公会货物保险条款
（13）insurance including deviation clauses.
保险包括绕道条款。
（14）international cargo transportation clause.
国际货物运输保险条款
（15）International Cargo Transportation Insurance Clauses.国际货物运输保险条款
（16）ocean marine cargo（insurance）clauses.
xx运输货物保险条款
（17）excluding natural loss in weight.
不包括途耗短量的损失
（19）Ocean Marine Cargo War（Risks）
Clauses. xx 运输货物战争险条款
（20）ocean marine insurance clauses (frozen products).
xx运输冷藏货物保险条款
保险条款 3
（21）parcel post insurance clauses.
邮包保险条款
（22）parcel post war risk insurance clauses.
邮包战争保险条款
（23）ocean marine cargo insurance clauses.
xx运输货物保险条款
（24）ocean marine insurance clauses (woodoil in bulk).
xx 运输散装桐油保险条款
(25)overland transportation insurance clauses (train, trucks).
陆上运输货物保险条款（火车、汽车）
(26)overland transportation insurance clauses (frozen products).
陆上运输冷藏货物保险条款
（27）Fire Risk Extension Clause For Storage of Cargo at Destination HongKong, Including Kowloon ,or Macao，简称
F.R.
E.C.）.
出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款
(28)thePeople's Insurance Company of China investment insurance (politicalrisks)clauses.中国人民保险公司投资保险（政治风险）条款。
(29)the People's Insurance Company of China Erection all risks clauses中.国
人民保险公司安装工程一切险条款。
(30)the People's Insurance Company of China contractors all risks clauses
中.国人民保险公司建筑工程一切险条款
保险条款 4
(31)livestock & poultry insurance clauses (by sea, land or air).
活牲畜、家禽的海上、陆上、航空保险条款。
(33)marine insurance policies or certificates in negotiable form, for 110% full CIF invoicewith extended cover up to Kuala Lumpur with claims payable in (at)Kuala Lumpur in the currency of draft (irrespective of percentage).
作为可议付格式的海运保险单或凭证按照到岸价的发票金额 110%投保中国人
民保险公司
1976 年 1 月 1 日的战争险和基本险，负责到吉隆坡为止。按照汇票所使用
的货币在吉隆坡赔付（无免赔率）。
(34)insurance policy or certificate settling agent's name is to be indicated, any additionalpremium to cover uplift between 10 and 17% may be drawn in excess of
the credit value.保险单或凭证须表明理赔代理人的名称，保险费如增加 10-17% 可
在本证金额以外支付。
(35)insurance policy (certificate)Name of Assured to be showed:
A.B.
C.Co. Ltd..保险单或凭证作成以
A.B.
C.有限公司为被保险人。
(36)insurancepolicy or certificate covering W.
A.(or
F.P.
A.)and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the People's Insurance Company of China保险单或凭证根据中国人
民保险公司
1981 年 1 月 1 日的海洋运输货物保险条款和海洋运输货物战争险条款投保
水渍险（或平安险）和战争险。
(37)insurance policy/certificate covering all war mines risks.
保险单 / 凭证投保一切险、战争险、地雷险（注：
mines 解释为地雷，属于战争险的负责范围，可以接受）。
(38)W.
A. this insurance must be valid for period of 60 days after the discharge
of goods.水渍险在货物卸船后 60 天有效。
(39)in triplicate covering all risks and war risks including W.
A. and breakage in excess offive per cent on the whole consignment and
including W/W up to buyer's godown in Penang.投保一切险和战争险包括水渍险，
破碎损失有 5%绝对免赔率，按全部货物计算，包括仓至仓条款，负责到买方在
槟城的仓库为止（的保险单）一式三份。
(40)insurance policy issued of endorsed to order for the face value of i plus 10%covering including war with 15 days after arrival of goods at destination,
only against FPA and T.P.N.
D..
按发票面值加 10%投保战争险，货物到达目的地后 15 天有效，仅负责平安险
和盗窃提货不着险的保险单开给或背书给。
保险条款 5
(41)insurance policy or certificate issued by an insurance Co. with W.P.
A. clause coveringthe merchandise for about 10% above the full invoice
value including unlimited transshipment with claims payable at Singapore.
由保险公司签发的保险单或凭证按发票总金额另加 10%投保水渍险，包括非
限定转船的损失，在新加坡赔付。
(42)marine insurance policy including "both ot blame" collision clauses and
fully covering
clauses (train, trucks) of the People's Insurance Company of China dated 按照 . 中国人民保险公司×年×月×日陆上运输货物保险条款（火车、汽车）投保陆
上运输一切险。
(44)covering air transportation all risk as per air transportation cargo
insurance clausesof P.I.
C.C..
按照中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切
险。
(45)insurance policy or certificatecovering parcel post all risks including war risks
as per parcel post insurance clauses and parcel post war risk insurance clauses of the People's Insurance Company of China dated .
保险单或凭证按照中国人民保险公司×年×月×日邮包保险条款和邮包战争
险条款投保邮包一切险和邮包战争险。
(46)covering all risks including war risks as per ocean marine cargo clauses and airtransportation cargo insurance clauses and ocean marine cargo war risk clauses
and air transportation cargo war risk clauses of the People's Insurance Company of
China dated 按照.中国人民保险公司×年×月×日海洋运输货物保险条款和航空运
输货物保险条款以及海洋运输货物战争险条款和航空运输货物战争险条款投保
海空联运一切险和战争险。
(47)covering all risks as per ocean marine cargo clauses and
overland transportation cargoinsurance clause (train, truck) of P.I.
C.C. dated .
按照中国人民保险公司×年×月×日海洋运输货物保险条款和陆上运输货物
保险条款（火车、汽车）投保海陆联运一切险。
(48)covering all risks including war risks as per overland transportation cargo insuranceclauses (train, truck) and air transportation cargo insurance clauses and air transportation cargo war risk clause and war clauses (for cargo transportation by rail) of the People's Insurance Company of China dated .
按照中国人民保险公司×年×月×日陆运货物保险条款（火车、汽车）和空
运货物保险条款以及空运货物战争险条款和铁路货运战争条款投保陆空陆联运一
切险和战争险。
(49)includingshortage in weight in excess of
0.5%(with
0.5%franchise)on the whole consignment.包括短量损失有
0.5%绝对免赔率（
0.5%相对免赔率），按全部货物计算。
(50)including damage by hooks, oils, muds and contact with other cargo(insured value).包括钩损、油污、泥污以及和他物接触所致的损失（以保险价值为限）。
保险条款 6
包括淡水雨淋，自燃所致的损失（包括全部或部分损失）。
(52)including loss and/or damage caused by sea water, fresh-water, acid, grease. 包括海水、淡水、酸蚀、油脂所致的损失。
(54)including damage caused by infestation mould.
包括虫蛀霉烂的损失。
(55)including damage due to rough handling during transit subject to
C.T.
C..按照中国保险条款包括运输途中操作不当所致的损失。
(56)including loss and/or damage from any external cause as per CI
C.
按照中国保险条款包括外来原因所致的损失。
(57)including damage by slings, stains, grease, acids.
包括吊具、斑污、油脂、酸蚀造成的损失。
(58)includingthe breakage does not cover the goods remarked in th invoice as originally damage.包括破碎险，但不负责发票所示之货物的原残损失。
(59)including 60 days after discharge of the goods at port of destination (or at station ofdestination) subject to
C.T.
C..
按照中国保险条款货物在目的港卸船（或在目的地车站卸车）后60 天为止。
(60)includingW.
A.&risk of fire for 60days in customs warehouse after discharge of the goods at port of destination subject to CI
C.
按照中国保险条款投保水渍险和火险，在目的港卸货后存入海关仓库 60 天为止。
(61)thisinsurance must be valid for a period of 60days after arrival of merchandise at inland destination.
本保险扩展到货物到达内地的目的地后60 天有效。
(62)insurance policy or certificate covering
F.P.
A. including the risk of war and risks ofS.R.
C.C.as per I.
C.C.dated and institute war clauses dated and institute S.R.
C.C.clauses dated .
按照×年×月×日伦敦保险学会条款和×年×月×日学会战争险条款以及×年×月×日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险。