（四）
　　F.P.A. stands for “Free from Particular Average”。

　　FPA代表平安險。

　　W.P.A. stands for “With Particular Average”。

　　WPA代表水漬險。

　　I'll have the goods covered against Free from Particular Average.

　　我將為貨物投保平安險。

　　I know that F.P.A insurance doesn't cover losses on consumer goods.

　　我知道平安險不包括消費品的種種損失。

　　I don't think that the W.P.A insurance covers more risks than the F.P.A……

　　我認為水漬險承保的范圍并不比平安險的范圍寬。

　　Free from Particular Average is good enough.

　　只保平安險就可以了。

　　The goods are to be insured F.P.A.

　　這批貨需投保平安險。

　　What you've covered is Leakage.

　　你所投保的是滲漏險。

　　Why don't you wish to cover Risk of Breakage？

　　您為什么不想投保破碎險呢？

　　W.P.A coverage is too narrow for a shipment of this nature， please extend the coverage to include TPND.

　　針對這種性質的貨物只保水漬險是不夠的，請加保偷盜提貨不成險。

　　Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage？

　　您不想保水漬險和附加破碎險嗎？

　　Not every breakage is a particular average.

　　并不是所有的破碎險都屬于單獨海損。

　　The coverage is W.P.A. plus Risk of Breakage.

　　投保的險別為水漬險加破碎險。

　　Well， obviously you won't want All Risks cover.

　　顯然，你不想保綜合險。

　　An All Risks policy covers every sort of hazard， doesn't it？

　　一份綜合險保單保所有的險，是嗎？

　　We'd like？ to cover the porcelain ware against All Risks.

　　我們想為這批瓷器投保綜合險。

　　Please insure the shipment for RMB5，000 against All Risks.

　　請將這批貨物投保綜合險人民幣5000元。

　　We've cover insurance on these goods for 10% above the invoice value against All Risks.

　　我們已經將這些貨物按發票金額加百分之十投保綜合險。

　　An F.P.A. policy only covers you against total loss in the case of minor perils.

　　平安險只有在發生較小危險時才給保全部損失險。

　　The F.P.A. doesn't cover partial loss of the nature of particular average.

　　平安險不包括單獨海損性質的部分損失。

　　A W.P.A. or W.A. policy covers you against partial loss in all cases.

　　水漬險在任何情況下都給保部分損失險。

　　You'll cover SRCC risks， won't you？

　　你們要保罷工、暴動、民變險，是嗎？

　　As our usual practice， insurance covers basic risks only， at 110 percent of the invoice value. If coverage against other

　　risks is required， such as breakage， leakage， TPND， hook and contamination damages， the extra premium involved would be for

　　the buyer's account.

　　按照我們的慣例，只保基本險，按發票金額110%投保。如果要加保其它險別，例如破碎險、滲漏險、盜竊遺失險、鉤損和污染險等，額外保險

　　費由買方負擔。

　　Words and Phrases

　　insurance free of （from） particular average （FPA）。 平安險（單獨海損不賠）

　　insurance with particular average （WPA）， basic risks. insurance against all risks. 綜合險，應保一切險

　　risk of breakage 破碎險

　　risk of clashing 碰損險

　　risk of rust 生銹險

　　risk of hook damage 鉤損險

　　risk of contamination （tainting） 污染險

　　insurance against total loss only （TLO） 全損險

　　risk of deterioration 變質險

　　risk of packing breakage 包裝破裂險

　　risk of inherent vice 內在缺陷險

　　risk of normal loss （natural loss）？ 途耗或自然損耗險

　　risk of spontaneous combustion 自然險

　　risk of contingent import duty 進口關稅險

　　insurance against war risk 戰爭險

　　Air Transportation Cargo War Risk 航空運輸戰爭險

　　overland Transportation Insurance War Risk 陸上運輸戰爭險

　　insurance against strike， riot and civil commotion （SRCC） 罷工，暴動，民變險

　　insurance against extraneous risks， insurance against additional risks 附加險

　　risk of theft， pilferage and nondelivery （TRND） 盜竊提貨不著險

　　risk of fresh and/of rain water damage（wetting） 淡水雨淋險

　　risk of leakage 滲漏險

　　risk of shortage in weight/quantity 短量險

　　risk of sweating and/or heating 受潮受熱險

　　risk of bad odour（change of flavour） 惡味險，變味險

　　risk of mould 發霉險

　　on deck risk 艙面險