有关保险的英语对话
有关保险的英语对话
在英语考试的听力中，我们需要通过录音中的情景对话来听取我们所要的答案，今天学习啦小编在这里为大家分享一些有关保险的英语对话，欢迎大家阅读!
有关保险的英语对话：Insurance Against Breakage 破碎险
S: Good afternoon, Mr. Li. I was to come at 4 o’clock, wasn’t I?
史：李先生，午安。我应该在四点钟到，对吗?
Li: Yes, Mr. Smith, we have been expecting you. Mr. Smith, this is Mr. Bai of the People’s Insurance Company of China. He has come to explain that unfortunate affair about the insurance.
李：是的，史密斯先生。我们一直盼着你。(李向史密斯先生介绍白先生)史密斯先生，这是中国人民保险公司白先生。他是来解释这件保险的不幸事件。
S: Thank you for coming. Mr. Li, as you may recall, the February consignment arrived at Manila seriously damaged. The loss through breakage was over 30% of the consignment. We’ve presented a claim to the underwriters through your firm, but the insurance company refused to admit liability, as there was no insurance against breakage. We naturally were not satisfied with such a reply.
史：谢谢你来了。李先生，你也许记得，这批二月份发运的货，到马尼拉时，破损严重。损失超过这批货的百分之三十。我们已通过你公司向保险公司提出索赔，但保险公司拒绝负责，因为没有投保破碎险。我们当然对这种回答是不满意的。
L: I should like to hear what Mr. Bai has to say about it. You know of course that we, the sellers, are merely acting as mediators in this matter. The underwriters are responsible for the claim, as far as it is within the scope of cover.
李：我想听听白先生有什么看法。当然，你是知道的，我们卖方对这件事只是个调解人。只要在保险责任范围内，保险公司就应负赔偿责任。
B: That’s just the point, gentlemen. The loss in question was beyond the coverage granted by us. According to your instructions, we made out an insurance certificate covering W.P., and the risk of breakage wasn’t mentioned in it. We rang up the Ceramics Section of the Light Industrial Products Corporation but were told that their customer had not asked for a cover of the risk of breakage.
白：先生们，问题就在于这一点上。你说的损失并不包括在我方承保的责任范围之内。根据你方要求，我们出具了承保水渍险的保险凭证，但没提破碎险。我们曾经打电话给轻工业品公司陶瓷器部，但他们说客户并未要求承保破碎险。
L: In the letter of credit only a cover for "all marine risks" was requested. I should like to point out that our prices were calculated without insurance of any special risk. So we applied for the usual W.P.A. cover, and let our customers deal with the matter of breakage. Since the validity of the letter of credit was to expire in two days, there was no time to write for more detailed instructions. If the letter of credit had been valid for a longer period, we should have had time to make the matter thoroughly clear.
李;信用证只要求投保"综合海运险"。我想要指出的是，我们的价格没把任何特殊险计算在内。所以，我们只投保了通常的水渍险，而让我们客户自行办理破碎险事宜。由于信用证两天内就要到期，来不及写信要求做出更详细的说明。如果信用证有效期较长的话，我们就会有时间把事情彻底弄清楚。
S: Mr. Li, our import license was only running up to the middle of February, consequently we were not able to extend the validity of the letter of credit. But we presume that the wording of our L/C implies covering the risk of breakage. Besides, when I take a W.P.A. insurance, that is, with particular average, I should think the risk of breakage is included. Breakage is particular average, isn’t it?
史：李先生，我们进口许可证的有效期到二月中截止，因此，我们无法延长信用证有效期。但是，我方认为信用证的措词包含了要投保破碎险。此外，当我投保水渍险时，那就是with Particular Average,认为是包括破碎险。破损，对吗?
B: Not every breakage is a particular average. It is a particular average when the breakage is resultant from natural calamities and maritime accidents, such as stranding and sinking of the carrying vessel, or is attributable to fire, explosion or collision. Without the occurrence of any such fortuities, breakage is often considered as an ordinary loss and represents what we call "inherent vice or nature of the subject matter insured", which is outside the scope of the cover.
白：并不是所有的破碎险都属于单独海损。只意外事故所造成的破 没，或归因于着火，爆炸或碰撞所引起的破损才算属于单独海损。如果没发生上述事故，破碎险便认为最普通损失，也就是我们所说的由于"投保货物内在缺陷或特性"所引起的损失，
它不属于承保范围之内。
S: But the risk of breakage is covered by marine insurance, isn’t it?
史：但破碎险是包括在海洋运输货物险之内的，对吗?
B: Certainly, but it is a usual practice to make specific mention in the insurance policy or certificate that the risk of breakage is included. The inclusion of this special risk will be subject to an additional premium, which will normally be higher than the basic insurance for the ordinary marine risks. The rate for such kind of risk will vary according to the kind, or, as in ceramics, according to the fragility of the goods. I think you know all about it.
白：当然，可是按照惯例要在保险单或保险凭证上特加注明破碎险包括在内。包括这种特殊险就必须加付保险费;这种保险费一般比通常的海洋货物运输险的基本险为 这类险别的保费率将根据货物种类，比如陶瓷器，就根据货物的易脆性而有所不同。我想这一切你都知道的。
S: Well, I have heard something about it, but I can’t say that it is very clear to me.
史：哦，我听说过，但我不能说我对保险条款很清楚了。
B: Then let me explain this insurance.……
白：那我来解释一下这种保险……。
L: Mr Smith, would you care for a cup of tea? Or a cigarette?
李：史密斯先生，想喝杯茶吗?还是抽支烟呢?
S: A cup of tea, thank you. Let me hear more about it.
史：谢谢，来杯茶吧。有关这种保险，还请你多多指教。
有关保险的英语对话：我们额外赠送保险费
AWe agree to give you a break on the price, all together a discount of 6%. Good news is, I talked to my boss, he confirmed that if you take care of the shipping costs, we'll throw in insurance.
我们同意给你们减价,总共是94折.好消息是,我和老板谈过,他确认如果你们承担船运费用的话,我们会额外赠送保险费.
BGreat! I'd love to get a little better discount than 6%, but if your company provides the insurance, that will save us a few bucks...
太好了!我本来很想要你们提供比94折再高点儿的折扣,但是如果你们提供保险的话,那样也会给我们节约不少钱...
ANow, all this is available to you, as far as you make payment within a 30 day grace period. That shouldn't be a problem, right?
那么,只要你们在30天的宽限期内付款,我们就把一切都办妥.这应该不成问题吧?
BNo... We shouldn't have any problem with that. I know we talked about a possiblity for 90 days, but we won't be needing that after your discounted price.
没问题...我们应该不会有什么问题.我知道我们过去谈的期限可能是90天,但你们打折之后我们也就没有这个必要了.
ASo, if all this is agreeable to you, I'll put it all down on paper and fax a contract to you this afternoon. If you can get a signed version of the contract we've agreed upon back to me by tomorrrow morning, we can go ahead and make arrangements to ship the product on Tuesday.
那如果你们同意这些的话,我就写在纸上今天下午把合同给你们发传真过去.如果明天早晨之前你们在我们已经达成一致的合同上签字并返给我的话,我们就可以开始行动,安排周二给你们送货.
BGreat!
太好了!
有关保险的英语对话：讨论医疗保险事宜
AHey honey, how was your day?
亲爱的，今天过得如何?
BIt was alright. I ran into Bill and we got to talking for a while. He’s in a bit of a jam.
还行。我碰见比尔了，我们说了会儿话。他现在有些困难。
AWhy? What happened?
为什么?发生什么事了?
BWell, his son had an accident and Bill doesn’t have health insurance. This really got me thinking, and I wondered if we shouldn’t look into a couple of different HMO’s.
他儿子出了车祸，但是比尔没有医疗保险。这使我思考我们是不是应该调查下不同的医保组织。
AYeah, you’re right. We aren’t getting any younger and our kids are getting older.
你说得对。我们不再年轻，孩子也在变老。
BExactly! I searched on the web and found a couple of HMO’s with low co-pays and good coverage. The deductibles are low, too.
是啊，我在网上搜索了，找到了2家保健组织，它们的医疗费很低而且保险项目很好。扣除条款也很低。
ASounds good, although, do you think we can qualify for insurance? Those insurance companies are real pirates when it comes to money.
听起来不错，但是你认为我们适合保险吗?这些保险公司一旦涉及到钱就十分贪婪。
BWell, we don’t have any pre-existing illnesses or conditions, so we should be fine.
我们没有先天性的疾病和症状，所以应该适合保险。
AI wish our company or country provided us with healthcare.
我希望我们的公司或是单位能为我们提供医保。
BNot in a million years!
一百万年内都别指望了。
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