《外贸商函》Project 6 Insurance（1）-理论知识考点训练卷 2026版浙江省外贸类专业考纲百套卷 第13卷（原卷版+解析版）

编写说明：2026版浙江省《外贸类考纲百套卷》依据《浙江省高校招生职业技能考试大纲——外贸类理论知识》编写。本套试卷由80份试卷三个部分组成，第一部分是针对考纲的理论知识考点训练卷，共57份；第二部分是理论知识常考题训练卷，每个知识模块6-7份训练卷，两个模块共13份；第三部分是理论知识专业综合训练卷，参考历年来外贸类专业真题试卷和模拟试卷，编写的10份专业综合训练卷。 本试卷是《外贸类考纲百套卷》的第13卷，按知识模块1外贸商函——Project 6 Insurance的范围要求编写。 其要求是： （1）了解外贸商务信函的结构、三种书写格式及基本撰写原则。 （2）理解与外贸交易磋商环节和合同签订相关的英语词汇、短语、套语和句型。 （3）能正确阅读、理解、并结合商务礼仪要求撰写外贸业务各环节的商务信函，能正确拟定进出口合同的主要条款。 2026版浙江省《外贸类考纲百套卷》第13卷 知识模块 1 外贸商函 Project 6 Insurance（1） 理论知识考点训练卷 考试时间60分钟 满分100分 班级 姓名 学号 成绩 一、单项选择题(本大题共10小题，每小题2分，共20分) 在每小题列出的四个备选答案中，只有一个是符合题目要求的。错涂、多涂或未涂均无分。 1.The main purpose of collecting insurance information in foreign trade is to ( ). A. Promote new insurance products unrelated to the transaction B. Obtain details to choose suitable cargo insurance and avoid financial losses from risks C. Ask the insurer to reduce the company’s tax burden D. Cancel the previously signed sales contract 2.Which of the following is a key piece of insurance information to collect for ocean shipping cargo? A. The insurer’s employee’s favorite insurance type B. The scope of insurance coverage (e.g., all risks, free from particular average) C. The buyer’s home insurance policy details D. The seller’s office property insurance terms 3.When collecting insurance information from an insurer, the tone should be ( ). A. Pushy and demanding B. Polite, clear and professional C. Casual and unconcerned D. Ambiguous and confusing 4.What should a company do if the collected insurance information is incomplete (e.g., no premium amount specified)? A. Ignore the incomplete part and purchase the insurance directly B. Politely ask the insurer to provide the missing information C. Refuse to communicate with the insurer further D. Guess the premium amount and sign the insurance contract 5.Which of the following risks is usually covered by "all risks" insurance in international trade? A. Losses caused by the buyer’s refusal to accept goods B. Losses caused by natural disasters (e.g., storms, floods) during transportation C. Losses caused by the seller’s failure to deliver goods on time D. Losses caused by the company’s internal financial problems 6.When collecting insurance information for high-value cargo, the company should focus on ( ). A. The insurer’s financial strength and claim settlement efficiency B. The insurer’s office location C. The insurer’s employee training frequency D. The insurer’s advertising budget 7.Which of the following is a proper way to start collecting insurance information from an insurer? A. "You must provide all insurance details to us immediately." B. "We plan to ship 500 sets of electronic products by ocean and would like to know your cargo insurance options." C. "We don’t trust your insurance services, but we have to ask for information." D. "Tell us your insurer’s personal information first." 8.After collecting insurance information from multiple insurers, the company should first ( ). A. Compare the coverage scope, premium and claim terms of different insurers B. Share all collected information with competitors C. Delete the information to save storage space D. Purchase insurance from the first insurer contacted 9.What does "insurance premium" mean in the collected insurance information? A. The maximum amount the insurer will compensate for losses B. The fee the insured needs to pay to obtain insurance coverage C. The time period during which the insurance is valid D. The list of risks not covered by the insurance 10.If the cargo transportation route changes, the company should ( ). A. Ignore the change and keep the original insurance information B. Collect updated insurance information based on the new route C. Cancel the insurance contract immediately D. Accuse the transporter of changing the route without permission 二、词语中译英(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的中文词语译成英文。 1.货物保险________________________ 2.保险范围________________________ 3.保险费 ________________________ 4.理赔效率________________________ 5.一切险 ________________________ 三、词语英译中(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的英文词语译成中文。 1.cargo insurance policy________________________ 2.insurance coverage________________________ 3.insurance premium________________________ 4.claim settlement process________________________ 5.free from particular average (FPA)________________________ 四、句子中译英(本大题共3小题，每小题5分，共15分) 请将下列外贸商函中常用的中文句子译成英文。 1.我方拟通过海运出口一批电子产品，特向贵方收集货物保险信息，包括保险范围、保险费及理赔流程。 _______________________________________________________________________________ 2.请贵方告知“一切险”是否涵盖货物在运输途中因暴雨造成的损失，以及对应的保险费金额。 _______________________________________________________________________________ 3.为评估不同保险公司的方案，我方需要了解贵方的保险有效期、索赔所需材料等关键信息。 _______________________________________________________________________________ 五、句子英译中(本大题共3小题，每小题5分，共15分) 请将下列外贸商备中常用的英文句子译成中文。 1.We are writing to collect information about your cargo insurance for 1000 tons of rice to be shipped to Europe by sea. _______________________________________________________________________________ 2.The "all risks" insurance we provide covers losses caused by accidents during transportation, but does not include losses due to improper packaging. _______________________________________________________________________________ 3.Could you please tell us the insurance premium for our 20-foot container of furniture and the time it takes to settle a claim? _______________________________________________________________________________ 六、写作(本大题共1小题，20分) 假设你是中国Grain Export Co., Ltd.的外贸专员，你公司计划通过海运向美国Food World Store出口1000吨大米。请你给平安保险公司（Ping An Insurance Company）写一封邮件，收集保险信息，内容包括： 1.说明出口货物（1000吨大米）及运输方式（海运）； 2.请求提供适合该货物的保险类型推荐、对应的保险范围及保险费计算方式； 3.询问理赔所需材料及平均理赔时间，方便后续风险评估。 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $$ 编写说明：2026版浙江省《外贸类考纲百套卷》依据《浙江省高校招生职业技能考试大纲——外贸类理论知识》编写。本套试卷由80份试卷三个部分组成，第一部分是针对考纲的理论知识考点训练卷，共57份；第二部分是理论知识常考题训练卷，每个知识模块6-7份训练卷，两个模块共13份；第三部分是理论知识专业综合训练卷，参考历年来外贸类专业真题试卷和模拟试卷，编写的10份专业综合训练卷。 本试卷是《外贸类考纲百套卷》的第13卷，按知识模块1外贸商函——Project 6 Insurance的范围要求编写。 其要求是： （1）了解外贸商务信函的结构、三种书写格式及基本撰写原则。 （2）理解与外贸交易磋商环节和合同签订相关的英语词汇、短语、套语和句型。 （3）能正确阅读、理解、并结合商务礼仪要求撰写外贸业务各环节的商务信函，能正确拟定进出口合同的主要条款。 2026版浙江省《外贸类考纲百套卷》第13卷 知识模块 1 外贸商函 Project 6 Insurance（1） 理论知识考点训练卷 考试时间60分钟 满分100分 班级 姓名 学号 成绩 一、单项选择题(本大题共10小题，每小题2分，共20分) 在每小题列出的四个备选答案中，只有一个是符合题目要求的。错涂、多涂或未涂均无分。 1.The main purpose of collecting insurance information in foreign trade is to ( ). A. Promote new insurance products unrelated to the transaction B. Obtain details to choose suitable cargo insurance and avoid financial losses from risks C. Ask the insurer to reduce the company’s tax burden D. Cancel the previously signed sales contract 【答案】B 【解析】外贸中收集保险信息的核心目的是获取保险方案细节（如险种、保额、保费），从而选择适配货物运输风险的保险，避免因自然灾害、意外等导致的经济损失。A“推广无关保险产品”、C“要求降低税费”、D“取消销售合同”均与该核心目的无关，故B正确。 2.Which of the following is a key piece of insurance information to collect for ocean shipping cargo? A. The insurer’s employee’s favorite insurance type B. The scope of insurance coverage (e.g., all risks, free from particular average) C. The buyer’s home insurance policy details D. The seller’s office property insurance terms 【答案】B 【解析】海运货物保险的关键信息是“保险范围”（如一切险、平安险），直接决定货物在运输中哪些风险能获得保障；A“保险人员工偏好”、C“买方家庭保险”、D“卖方办公财产险”均与海运货物保险无关，故B正确。 3.When collecting insurance information from an insurer, the tone should be ( ). A. Pushy and demanding B. Polite, clear and professional C. Casual and unconcerned D. Ambiguous and confusing 【答案】B 【解析】向保险人收集信息时，礼貌体现尊重，清晰传递需求（如货物类型、运输方式），专业展现对保险的基本认知，能提高信息收集效率。A“强硬要求”、C“随意冷漠”、D“模糊不清”均易引发保险人反感，故B正确。 4.What should a company do if the collected insurance information is incomplete (e.g., no premium amount specified)? A. Ignore the incomplete part and purchase the insurance directly B. Politely ask the insurer to provide the missing information C. Refuse to communicate with the insurer further D. Guess the premium amount and sign the insurance contract 【答案】B 【解析】若保险信息不完整（如缺失保费），应礼貌请求保险人补充，避免因信息不全导致投保后纠纷；A“忽略缺失信息投保”易产生费用争议，C“拒绝沟通”会延误投保，D“猜测保费签约”违背诚信原则，故B正确。 5.Which of the following risks is usually covered by "all risks" insurance in international trade? A. Losses caused by the buyer’s refusal to accept goods B. Losses caused by natural disasters (e.g., storms, floods) during transportation C. Losses caused by the seller’s failure to deliver goods on time D. Losses caused by the company’s internal financial problems 【答案】B 【解析】“一切险”通常覆盖运输途中因自然灾害（如风暴、洪水）和意外事故（如碰撞、搁浅）导致的货物损失；A“买方拒收”、C“卖方延迟交货”、D“内部财务问题”均不属于货物运输保险的保障范围，故B正确。 6.When collecting insurance information for high-value cargo, the company should focus on ( ). A. The insurer’s financial strength and claim settlement efficiency B. The insurer’s office location C. The insurer’s employee training frequency D. The insurer’s advertising budget 【答案】A 【解析】高价值货物若出险，赔偿金额高，因此需关注保险人的“财务实力”（能否承担高额赔偿）和“理赔效率”（能否快速获赔减少损失）；B“办公地点”、C“员工培训频率”、D“广告预算”与高价值货物保险的核心需求无关，故A正确。 7.Which of the following is a proper way to start collecting insurance information from an insurer? A. "You must provide all insurance details to us immediately." B. "We plan to ship 500 sets of electronic products by ocean and would like to know your cargo insurance options." C. "We don’t trust your insurance services, but we have to ask for information." D. "Tell us your insurer’s personal information first." 【答案】B 【解析】收集保险信息的合理开篇应说明货物类型、运输方式（明确投保场景），并清晰表达获取保险方案的需求；A“强制要求立即提供”、C“表达不信任”、D“索要个人信息”均不符合商务礼仪，故B正确。 8.After collecting insurance information from multiple insurers, the company should first ( ). A. Compare the coverage scope, premium and claim terms of different insurers B. Share all collected information with competitors C. Delete the information to save storage space D. Purchase insurance from the first insurer contacted 【答案】A 【解析】收集多家保险人信息后，需从“保障范围（是否覆盖核心风险）、保费（成本高低）、理赔条款（获赔难度）”等维度对比，选择最优方案；B“分享给竞争对手”违反保密原则，C“删除信息”浪费资源，D“盲目选择首家”可能错过更优方案，故A正确。 9.What does "insurance premium" mean in the collected insurance information? A. The maximum amount the insurer will compensate for losses B. The fee the insured needs to pay to obtain insurance coverage C. The time period during which the insurance is valid D. The list of risks not covered by the insurance 【答案】B 【解析】“保险费（insurance premium）”是被保险人获取保险保障需向保险人支付的费用；A“最高赔偿额”是“insurance coverage limit”，C“保险有效期”是“insurance validity period”，D“免责风险清单”是“exclusion clauses”，故B正确。 10.If the cargo transportation route changes, the company should ( ). A. Ignore the change and keep the original insurance information B. Collect updated insurance information based on the new route C. Cancel the insurance contract immediately D. Accuse the transporter of changing the route without permission 【答案】B 【解析】运输路线变化可能导致风险类型（如途经海域是否多风暴）改变，需重新收集适配新路线的保险信息；A“忽略变化”可能导致保险无法覆盖新风险，C“立即取消保险”会使货物失去保障，D“指责 transporter”偏离保险信息收集的核心，故B正确。 二、词语中译英(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的中文词语译成英文。 1.货物保险________________________ 【答案】cargo insurance 2.保险范围________________________ 【答案】insurance coverage 3.保险费 ________________________ 【答案】insurance premium 4.理赔效率________________________ 【答案】claim settlement efficiency 5.一切险 ________________________ 【答案】all risks 三、词语英译中(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的英文词语译成中文。 1.cargo insurance policy________________________ 【答案】货物保险单 2.insurance coverage________________________ 【答案】保险范围 3.insurance premium________________________ 【答案】保险费 4.claim settlement process________________________ 【答案】理赔流程 5.free from particular average (FPA)________________________ 【答案】平安险（单独海损不赔险） 四、句子中译英(本大题共3小题，每小题5分，共15分) 请将下列外贸商函中常用的中文句子译成英文。 1.我方拟通过海运出口一批电子产品，特向贵方收集货物保险信息，包括保险范围、保险费及理赔流程。 _______________________________________________________________________________ 【答案】We plan to export a batch of electronic products by ocean shipping and are writing to collect cargo insurance information from you, including insurance coverage, insurance premium and claim settlement process. 2.请贵方告知“一切险”是否涵盖货物在运输途中因暴雨造成的损失，以及对应的保险费金额。 _______________________________________________________________________________ 【答案】Please inform us whether "all risks" covers losses caused by heavy rain during transportation and the corresponding insurance premium amount. 3.为评估不同保险公司的方案，我方需要了解贵方的保险有效期、索赔所需材料等关键信息。 _______________________________________________________________________________ 【答案】To evaluate insurance plans from different companies, we need to know key information such as your insurance validity period and the materials required for claims. 五、句子英译中(本大题共3小题，每小题5分，共15分) 请将下列外贸商备中常用的英文句子译成中文。 1.We are writing to collect information about your cargo insurance for 1000 tons of rice to be shipped to Europe by sea. _______________________________________________________________________________ 【答案】我方特致函收集贵方针对1000吨大米海运至欧洲的货物保险信息。 2.The "all risks" insurance we provide covers losses caused by accidents during transportation, but does not include losses due to improper packaging. _______________________________________________________________________________ 【答案】我方提供的“一切险”涵盖货物运输途中因意外事故导致的损失，但不包括因包装不当造成的损失。 3.Could you please tell us the insurance premium for our 20-foot container of furniture and the time it takes to settle a claim? _______________________________________________________________________________ 【答案】请告知我方20英尺集装箱家具的保险费金额，以及理赔所需的时间，好吗？ 六、写作(本大题共1小题，20分) 假设你是中国Grain Export Co., Ltd.的外贸专员，你公司计划通过海运向美国Food World Store出口1000吨大米。请你给平安保险公司（Ping An Insurance Company）写一封邮件，收集保险信息，内容包括： 1.说明出口货物（1000吨大米）及运输方式（海运）； 2.请求提供适合该货物的保险类型推荐、对应的保险范围及保险费计算方式； 3.询问理赔所需材料及平均理赔时间，方便后续风险评估。 【答案仅供参考】 Dear Sir/Madam, We are writing to collect cargo insurance information for our upcoming export shipment. We plan to export 1000 tons of rice to the United States by ocean shipping, and need suitable insurance coverage for this cargo. Could you please recommend insurance types that fit this shipment? For each recommended type, we also want to know the specific insurance coverage (e.g., which risks are covered) and how the insurance premium is calculated. Additionally, to assess potential risks, we would appreciate it if you could tell us the materials required for claim settlement and the average time it takes to process a claim. If you need more details about the shipment, please feel free to contact us. We look forward to your reply. Sincerely yours, Li Hua 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $$