（三）

what is the insurance premium?

保險費是多少？

The premium is to be calculated in this way.

保險費是這樣計算的。

The total premium is 800 U.S. dollars.

保險費總共是800美圓。

The cover paid for will vary according to the type of goods and the circumstances.

保險費用按照貨物類別的具體情況會有所不同。

The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance.

我們所收取的費率是很有限的，當然，保險費用要根據投保范圍的大小而有所不同。

According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered.

根據共同保險條款，保險人通常必須付全部費用的百分之二十。

The insurance rate for such kink of risk will vary according to the kind.

這類險別的保險費率將根據貨物種類而定。

Insurance brokers will quote rates for all types of cargo and risks.

保險經紀人會開出承保各類貨物的各種險別的費用。

Can you give me an insurance rate?

您能給我一份保險率表嗎？

Could you find out the premium rate for porcelain?

您能查一下瓷器的保險費率嗎？

You should study not only the benefits but also the terms and limitations of an insurance agreement that appears best suited to your needs.

你不僅要研究各種保險所標明的給予保險人的賠償費用，還要研究它的條件與限制，然后選出最適合你需要的一種。

Words and Phrases

insurance expense 保險費

premium rate 保險費率

premium 保險費

insurance rate 保險費率表

insurance proceeds 保險金（保險收入）

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

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