《外贸商函》收集保险信息（举一反三考点练）-讲义

举一反三考点练 《外贸商函》收集保险信息-讲义 1.掌握保险的基本概念与办理方式； 2.掌握保险金额的确定方式； 3.掌握投保险别的分类； 知识点一 保险的基本概念与办理方式 在国际贸易中，货物运输保险（Cargo Transportation Insurance）是保护货物在运输过程中免受损失的重要措施。“Effect insurance”（办理保险/投保）是核心动作，可以由卖方或买方根据合同约定进行。 投保时需要明确投保金额和投保险别。常见的办理方式包括 “insure for…”（投保…金额）和 “cover insurance against…”（投保…险别）。 (单项选择题) In international trade, who is typically responsible for the action of "Effect insurance" (办理保险/投保) on the goods being shipped? ( ) A. Only the seller. B. Only the buyer. C. The party specified in the contract agreement. D. Neither the seller nor the buyer, as the carrier is responsible. 【答案】C 【解析】“Effect insurance”（办理保险/投保）这个核心动作可以由卖方或买方根据合同约定进行。因此，责任方由合同决定。 【要点】考查办理保险的责任方确定依据。 1.(单项选择题) When insuring goods for shipment, the phrase "insure for..." is primarily used to specify the __________. ( ) A. Type of risk covered B. Insurance company providing the coverage C. Monetary amount of the insurance coverage D. Shipping route the goods will take 【答案】C 【解析】 投保时需要明确投保金额和投保险别。“insure for…”（投保…金额）是用来指明保险金额（Monetary amount）的。 【要点】考查“insure for…”这一短语在保险语境下的具体含义。 2.(单项选择题) The phrase "cover insurance against..." in the context of cargo transportation insurance refers to selecting the __________. ( ) A. Total value of the goods being insured B. Specific risks or perils the insurance will protect against C. Duration of the insurance policy D. Name of the insurance broker facilitating the policy 【答案】B 【解析】“cover insurance against…”（投保…险别）是用来指明投保险别（Specific risks or perils）的，即保险将保护货物免受哪些特定风险或损失的侵害。 【要点】考查“cover insurance against…”这一短语在保险语境下的具体含义。 3.(判断题) The action of "Effect insurance" must always be performed by the seller before the goods are handed over to the carrier. ( ) 【答案】× 【解析】“Effect insurance”（办理保险/投保）可以由卖方或买方根据合同约定进行。因此，并非总是由卖方在交货前办理，也可能由买方办理。 【要点】考查对办理保险责任方灵活性的理解。 1.(判断题) Both "insure for a specific amount" and "cover against specific risks" are essential pieces of information needed when setting up cargo transportation insurance. ( ) 【答案】√ 【解析】投保时需要明确投保金额（对应“insure for…”）和投保险别（对应“cover insurance against…”）。这两者都是设立货物运输保险合同所必需的核心信息。 【要点】考查投保时必须明确的关键信息要素。 2.(填空题) The core action of protecting goods during international shipping, often handled by either the seller or buyer as per the contract, is referred to as "______________". 【答案】Effect insurance 【解析】“Effect insurance”（办理保险/投保）是保护货物在运输过程中免受损失的核心动作，并且可以由卖方或买方根据合同约定进行。 【要点】考查对“Effect insurance”这一核心概念术语的掌握。 3.(填空题) To specify that the insurance policy will protect the goods from damage caused by heavy rain during transit, one would use the phrase "cover insurance against ____________". 【答案】heavy rain (or rain damage, or similar specific risk term) 【解析】“cover insurance against…”（投保…险别）是用来指明投保险别的。这里需要填入具体的险别，即“heavy rain”（大雨）或由此引起的“rain damage”（雨淋损失）等具体风险名称。 【要点】考查如何使用“cover insurance against…”短语来指定具体的保险风险。 · 货物运输保险是国际贸易中保护货物在运输途中免受损失的关键措施。 · 办理保险（Effect insurance）这一核心动作，由合同约定确定是卖方还是买方负责。 · 投保时必须明确具体的投保金额和所选择的投保险别。 · 常用的办理方式包括指明投保金额（insure for...）和确定投保险别（cover insurance against...）。 知识点二 保险金额的确定方式 保险金额通常不是简单地按照货物的发票金额（Invoice Value）投保，而是会在发票金额的基础上增加一定比例。常见的表达方式有 “insure for X% above invoice value”（按发票价另加X%投保）或投保发票金额的固定百分比，如 “for 110% of the invoice value”（按发票金额的110%投保）。这反映了除了货物本身价值外，还考虑了预期利润、运费等相关费用或风险。 (单项选择题) According to the text, how is the insurance amount usually determined in international trade? ( ) A. Exactly equal to the invoice value. B. A fixed percentage below the invoice value. C. A fixed percentage above the invoice value, like 110%. D. Based solely on the shipping cost. 【答案】C 【解析】保险金额通常在发票金额基础上增加一定比例，并举例说明了常见的“按发票金额的110%投保”这种方式。 【要点】考查保险金额确定的基本方式和常见比例。 1.(单项选择题) Which of the following phrases correctly expresses insuring goods for a percentage above the invoice value? ( ) A. Insure for 100% of the invoice value. B. Cover insurance against 110% invoice value. C. Insure for 10% above invoice value. D. For the invoice value plus freight. 【答案】C 【解析】两种常见表达方式：“按发票价另加X%投保”（insure for X% above invoice value）和“按发票金额的110%投保”（for 110% of the invoice value）。选项C使用了第一种表达方式的结构，即“投保金额 + above invoice value”。 【要点】考查“按发票价另加X%投保”这一表达方式的正确用法。 2.(单项选择题) Why is it common to insure for more than the invoice value of the goods? ( ) A. To reduce the premium cost. B. To cover only the shipping cost. C. To account for expected profit and related costs. D. Because it is a legal requirement in all countries. 【答案】C 【解析】保险金额高于发票价值的原因，是为了考虑除了货物本身价值外的预期利润、运费等相关费用或风险。 【要点】考查保险金额高于发票价值的原因理解。 3.(判断题) Insuring goods for exactly 100% of the invoice value is the most common practice in international trade. ( ) 【答案】× 【解析】保险金额通常不是简单地按照发票金额投保，而是在其基础上增加一定比例，如常见的110%。因此，仅按100%投保并非最常见做法。 【要点】考查对保险金额确定方式的理解，特别是与发票金额的关系。 1.(判断题) The practice of insuring for a percentage above the invoice value helps to cover potential losses beyond just the goods' stated value. ( ) 【答案】√ 【解析】增加保险金额是为了考虑预期利润、运费等相关费用或风险，这意味着保险范围超出了货物本身的发票价值，旨在覆盖更广泛的潜在损失。 【要点】考查对提高保险金额目的的理解。 2.(填空题) If a company wants to insure their shipment for 15% more than the invoice value, they might use the phrase: "Please ______ for 15% above invoice value." 【答案】insure 【要点】考查“按发票价另加X%投保”这一表达方式中动词的运用。 3.(填空题) A common way to express insuring goods for 110% of their value is to say: "We will ______ for 110% of the invoice value." 【答案】insure 【解析】“for 110% of the invoice value”（按发票金额的110%投保）是常见的投保方式，结合上下文，这里需要填入表示“投保”动作的动词“insure”。 【要点】考查“按发票金额的固定百分比投保”这一表达方式中动词的运用。 · 保险金额的确定通常不是仅仅基于货物的发票价值。 · 它会在发票金额的基础上增加一定比例，以覆盖额外的成本和风险。 · 常见的表达方式包括按发票价另加一定百分比投保，或投保发票金额的固定百分比（如110%）。 · 这种增加的金额反映了货物本身价值之外的预期利润、运费等潜在损失。 知识点三 投保险别的分类 投保险别决定了保险公司承保的风险范围。保险条款通常将险别分为不同类别。基本险（Basic Risk），包括平安险（FPA）、水渍险（WPA）和一切险（A.R.），以及附加险（Additional Risk），分为一般附加险和特殊附加险。客户可以根据货物的性质、运输路线的风险等因素选择合适的险别，例如 “insure…against All Risks”（投保一切险）。了解这些分类有助于根据实际需求选择最合适的保障。 (单项选择题) Which of the following is NOT classified as a Basic Risk in cargo insurance according to the text? ( ) A. Free Particular Average (FPA) B. With Particular Average (WPA) C. All Risks (A.R.) D. Additional Risk 【答案】D 【解析】基本险包括平安险（FPA）、水渍险（WPA）和一切险（A.R.），而附加险是另一类别，不属于基本险。 【要点】考查对基本险和附加险分类的理解。 1.(单项选择题) When a customer chooses to "insure...against All Risks", what does this primarily indicate? ( ) A. They are only interested in basic coverage. B. They believe the transportation route is extremely safe. C. They want the broadest possible coverage for their goods. D. They are adding an extra layer of protection beyond basic insurance. 【答案】C 【解析】一切险（All Risks）在基本险中提供最广泛的保障范围，覆盖了除了战争、罢工等特殊风险之外的大部分风险，因此选择它表明客户希望获得最全面的保障。 【要点】考查对“一切险”保障范围的理解。 2.(单项选择题) The decision on which insurance coverage to select (e.g., FPA, WPA, All Risks) primarily depends on: ( ) A. The weight and volume of the goods. B. The buyer's nationality and location. C. The nature of the goods and the risks of the transport route. D. The seller's preference and financial situation. 【答案】C 【解析】客户会根据货物的性质、运输路线的风险等因素来选择合适的险别，这表明这些是决定性因素。 【要点】考查影响选择投保险别的主要因素。 3.(判断题) Basic Risks in cargo insurance, such as FPA and WPA, automatically include all types of Additional Risks. ( ) 【答案】× 【解析】基本险（如FPA、WPA）和附加险是分开的类别。基本险不自动包含附加险，附加险需要单独选择和加保。 【要点】考查对基本险和附加险关系的理解。 1.(判断题) Understanding the classification of insurance risks (Basic vs. Additional) helps buyers and sellers choose the most appropriate level of protection for their specific needs. ( ) 【答案】√ 【要点】考查对理解险别分类重要性的认识。 2.(填空题) According to the text, risks like theft, hook damage, or breakage would typically fall under the category of _______ Risks, which are not part of the Basic Risks unless specifically added. 【答案】Additional 【解析】附加险分为一般附加险和特殊附加险，这些具体风险（如偷窃、钩损、破碎）通常属于需要额外选择的附加险范围，而非基本险的固有保障。 【要点】考查对附加险包含的风险类型的理解。 3.(填空题) If a company wants to ensure their goods are protected against the widest range of common perils during transit, they might choose to "insure...against _______". 【答案】All Risks 【解析】“insure…against All Risks”（投保一切险）是客户可能选择的一种方式，而一切险提供最广泛的常见风险保障。 【要点】考查对“一切险”这一具体险别名称及其保障范围的掌握。 · 投保险别直接决定了保险公司将承担哪些风险，是保险合同的核心内容。 · 保险条款通常将险别分为基本险（如平安险、水渍险、一切险）和附加险两大类。 · 附加险又可细分为一般附加险和特殊附加险，用以补充基本险的保障范围。 · 选择哪种险别需考虑货物特性、运输路线风险等因素，以确保获得合适的保障。 原创精品资源学科网独家享有版权，侵权必究！2 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $$