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10 General perils of the sea include natural calamities and fortuitous accidents. Natural calamities are caused by the forces resulting from the changes of nature, e.g., thunder, lightening,earthquake, flood, tsunami,etc.Fortuitous accidents include accidents resulting from unexpected causes, the carrying conveyance being grounded, stranded, or in collision with floating ice or other objects, penetration of sea water into the holds of the ships, as well as fire or explosion.(普通海险包括自然灾害和意外事故险。自然灾害是由于自然气候的变化:雷电地震洪水海啸等。意外事故指运输途中船只搁浅触礁撞船(由于浮冰)船舱进水以及火或者爆炸)
11 Extraneous risks include theft and pilferage, freshwater damage. oil grease,hooks,breakage,leakage, contamination,deterioration,rust,sweating, heating ,shortage,clashing,war,etc. And they are specially applied for.(意外海险包括偷盗险,淡水雨淋险,油渍险,勾损险,破碎险,渗漏险,污渍险,变质险,锈损险,受潮险,受热险,短量险,破损险,战争险等。他们在保险单中被特别提出来,所以必须单独申请)
12 We generally only issue insurance for risk of breakage.
13 We shall cover breakage risk for these goods.
14 "Marine risks" mean only risks incidental to transport by sea,
15 The term "average" means "loss" in most cases when it comes to insurance business.
16 We wonder if you could arrange open cover against all risks to insure our consignments.
17 May I suggest a free from particular average policy ? That will cover you if the ship sinks or burns, or gets stuck.
18 They generally do all it on the basis of a Warehouse to Warehouse clause. In other words, the coverage is in effect when the cargo has left the consigner's warehouse and all the way through transit to the consignee's warehouse.(我们通常按仓对仓条款执行。即当货物离开发货人的仓库时,保险即开始生效,直至运程全部完毕并当货物抵达收货人的仓库为止)
Talking about premium rate
1 A: I'm just wondering if the damage of the goods is included in the WPA or not?
B: Actually, the damage of the goods belongs to the Risk of Breakage. We could add this term if you wish.
A: That's an additional risk, isn't it?
B: Yes, And the buyer is usually required be bear the cost for the additional risk coverage.
2 The rate for the Risk of Breakage is 3%
3 Please quote us a rate for for insurance against all risks, warehouse to warehouse, of a shipment of 20 cases of bicycles, Guangzhou to London.
4 Insurance rates vary with differant types of cargo and risks.
5 Please notice that our prices were calculated without insurance for any special risk.
6 But since risk of hooks is part of special coverage, the premium is therefore higher.
7 We usually insure against All Risks for 110 % of the invoice value.
8 Could you quote a rate covering all risks from port to port?
9 What insurance rate do you suggest we should get?
10 The extra premium involved will be for you account.
11 We'd like to cover the shipment for $1500 against All Risks.
12 Any additional premiums for insurance coverage over 110% of the invoice amount, if so required, shall be charged to buyer's account.
13 Please insure the goods at invoice value plus 20%.
14 An extra premium will be charged for coverage of special risks.
Others
1 The loss can be covered within the insurance period.
2 You can be sure that we will have the goods insured as soon as they are shipped.
3 It is general practice that the insurance be covered with the same currency as in the letter of credit.
4 I'm afraid that we can't pay compensation in this case as the damage was caused by factors outside the terms of the policy.
5 I suppose you'd like to renew the policy.

