实用英语文函写作第二版课件 教学课件 ppt 作者 贾琰 程欣 主编U10.ppt

General Introduction  Insurance is a process by which losses fall lightly upon many people instead of heavily upon a few. It is provided to cover almost any kind occurrence that may result in loss, and has become a vast subject, entering into almost every activity of human beings. Insurance is closely related to foreign trade. In international trade, the transportation of the goods from the seller to the buyer is usually over a long distance and has to go through the procedures of loading, unloading and storing. This process involves various risks even financial losses to both the seller and the buyer. In order to protect the goods against possible losses, before shipment, the buyer or the seller usually applies to an insurance company for insurance covering the goods to be transported. Most business people insure their goods against damages by paying a small amount of money into a “pool” of insurance funds. The unfortunate victim whose goods are damaged draws compensation from the “pool” to make up for the damage. The purpose of insurance is to provide compensation for those who suffer losses and damages in execution of an order. For this purpose the insurer issues an insurance policy or an insurance certificate, according to which the insurer accepts risks and the insured receives protection from risk. Such protection is paid for usually at a reasonable percentage of the value insured, which is called as “premium”. Marin Insurance Marine insurance mainly concerns the goods or cargoes transported by sea, for a large percentage of international trade has been conducted by ship. Marine insurance provides compensation for those who have suffered loss or damage of their goods during the transit by sea. It also provides compensation for the marine and shipping industry. Marine insurance covering an international transaction may be arranged by either parties---the seller or the buyer, which depends on different trade terms, for instance, the importer would pay for