《外贸商函》Project 6 Insurance（2）-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14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14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14卷 知识模块 1 外贸商函 Project 6 Insurance（2） 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 covering insurance in foreign trade is to ( ). A. Promote the insurer’s new insurance products B. Transfer cargo transportation risks to the insurer and avoid financial losses C. Reduce the cost of goods production D. Cancel the signed sales contract unilaterally 【答案】B 【解析】外贸投保的核心目的是将货物在运输中可能面临的风险（如自然灾害、意外损坏）转移给保险公司，若发生损失可通过保险获得赔偿，避免自身承担经济损失。A“推广保险产品”、C“降低生产成本”、D“单方面取消合同”均与投保目的无关，故B正确。 2.Which of the following factors directly affects the choice of insurance type when covering insurance? A. The insurer’s office decoration style B. The type of cargo and transportation risks (e.g., ocean, air) C. The buyer’s personal favorite color D. The seller’s employee training plan 【答案】B 【解析】投保时选择险种的核心依据是“货物类型（如易碎品需保破碎险）”和“运输风险（如海运需考虑海上风暴风险）”，二者直接决定所需的保障范围。A“保险公司装修”、C“买方喜好”、D“员工培训”均与险种选择无关，故B正确。 3.When covering insurance for fragile cargo (e.g., glass products), the seller should prioritize ( ). A. Insurance with wide coverage (e.g., all risks) B. Insurance with the lowest premium C. Insurance that excludes breakage risks D. Insurance with no claim settlement process 【答案】A 【解析】易碎货物（如玻璃制品）在运输中易破损，需优先选择保障范围广的险种（如一切险，通常涵盖破碎风险）。B“最低保费保险”可能缺乏关键保障，C“不含破碎险”无法覆盖核心风险，D“无理赔流程”意味着出险后无法获赔，故A正确。 4.What should the seller do before covering insurance? A. Ignore the cargo’s value and choose any insurance B. Confirm the cargo’s value, transportation route and risk points C. Refuse to communicate with the insurer about insurance terms D. Sign the insurance contract without reading the terms 【答案】B 【解析】投保前需确认货物价值（确定保险金额）、运输路线（判断风险类型）和风险点（如途经海域是否多风暴），才能选择适配的保险。A“忽视货值选保险”易导致保额不足，C“拒绝沟通条款”可能遗漏关键保障，D“不读条款签约”易引发理赔纠纷，故B正确。 5.Which of the following is a common mistake when covering insurance? A. Choosing insurance coverage that matches the cargo’s risks B. Providing accurate cargo information to the insurer C. Underinsuring the cargo (insuring for less than its actual value) D. Keeping a copy of the insurance policy for future reference 【答案】C 【解析】投保常见错误包括“不足额投保（保额低于实际货值）”，出险后保险公司仅按投保比例赔偿，会导致自身承担部分损失；A“匹配风险选保障”、B“提供准确货讯”、D“留存保单”均为正确做法，故C正确。 6.The "insured amount" in the insurance policy refers to ( ). A. The fee the seller pays to the insurer B. The maximum amount the insurer will compensate for losses C. The time period during which the insurance is valid D. The list of risks covered by the insurance 【答案】B 【解析】“保险金额（insured amount）”是保险公司对该货物承担的最高赔偿限额，通常按货值的110%（含预期利润）确定。A“保险费”是“insurance premium”，C“保险有效期”是“insurance validity period”，D“保障风险清单”是“insurance coverage”，故B正确。 7.When covering insurance for ocean shipping cargo, which insurance type is usually the most basic? A. All risks B. Free from Particular Average (FPA) C. With Particular Average (WPA) D. War risk 【答案】B 【解析】海运保险中，“平安险（FPA）”是最基础的险种，仅覆盖全损、共同海损等重大损失，保障范围最窄；A“一切险”保障最全面，C“水渍险（WPA）”覆盖范围高于平安险，D“战争险”是附加险，均非基础险种，故B正确。 8.What should the seller do if the cargo is damaged during transportation after covering insurance? A. Ignore the damage and avoid notifying the insurer B. Immediately notify the insurer and prepare claim materials C. Accuse the buyer of causing the damage D. Cancel the insurance policy retroactively 【答案】B 【解析】投保后货物受损，需立即通知保险公司（避免超过报案时限）并准备理赔材料（如提单、破损证明），才能顺利申请赔偿。A“忽视损坏不通知”会丧失理赔资格，C“指责买方”与理赔无关，D“ retroactive取消保单”不符合保险规则，故B正确。 9.When covering insurance, the seller must provide the insurer with ( ). A. Accurate cargo details (e.g., quantity, value, packaging) B. The buyer’s family financial information C. The seller’s internal meeting minutes D. Unrelated product samples 【答案】A 【解析】投保时必须向保险公司提供准确的货物细节（数量、价值、包装），保险公司据此评估风险、确定保费和保额；B“买方家庭财务”、C“内部会议记录”、D“无关样品”均非投保所需信息，故A正确。 10.The difference between covering insurance and collecting insurance information is that covering insurance ( ). A. Is a preliminary step to understand insurance options B. Involves formally signing an insurance contract and paying premiums C. Does not require communication with the insurer D. Only focuses on comparing different insurance plans 【答案】B 【解析】“投保（covering insurance）”是在收集保险信息（对比方案）后的正式行动，需签署保险合同并支付保费；A“初步了解保险选项”、D“对比保险方案”是“收集保险信息”的内容，C“无需沟通保险公司”与投保流程相悖，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.投保 ________________________ 【答案】cover insurance 2.保险金额________________________ 【答案】insured amount 3.易碎货物________________________ 【答案】fragile cargo 4.投保单 ________________________ 【答案】insurance application form 5.保险责任________________________ 【答案】insurance liability 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.insured cargo ________________________ 【答案】已投保货物 2.insurance policy ________________________ 【答案】保险单 3.premium payment________________________ 【答案】保费支付 4.claim notification ________________________ 【答案】出险通知 5.all risks insurance ________________________ 【答案】一切险保险 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.我方拟为一批出口至欧洲的玻璃器皿投保一切险，保险金额按货物实际价值的110%计算。 _______________________________________________________________________________ 【答案】We plan to cover all risks insurance for a batch of glassware exported to Europe, and the insured amount will be calculated as 110% of the cargo’s actual value. 2.请贵方根据我方提供的货物信息（100箱陶瓷餐具，海运至美国）出具投保单，并告知保险费金额。 _______________________________________________________________________________ 【答案】Please issue an insurance application form based on the cargo information we provided (100 cartons of ceramic tableware, shipped to the US by ocean) and inform us of the insurance premium amount. 3.我方已为该批电子产品投保平安险，保险有效期自货物装船之日起至目的地港口卸货完毕止。 _______________________________________________________________________________ 【答案】We have covered FPA insurance for this batch of electronic products, and the insurance validity period starts from the date the cargo is loaded onto the ship and ends when the cargo is unloaded at the destination port. 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 will cover insurance for 500 sets of furniture with Ping An Insurance Company, and the insured amount is $150,000. _______________________________________________________________________________ 【答案】我方将向平安保险公司为500套家具投保，保险金额为15万美元。 2.The insurer requires us to provide the bill of lading and commercial invoice when covering insurance for ocean shipping cargo. _______________________________________________________________________________ 【答案】保险公司要求我方为海运货物投保时提供提单和商业发票。 3.If you do not cover insurance for the cargo, you will bear all losses caused by transportation risks. _______________________________________________________________________________ 【答案】若您不为货物投保，将自行承担运输风险造成的所有损失。 六、写作(本大题共1小题，20分) 假设你是中国Glassware Export Co., Ltd.的外贸专员，你公司计划通过海运向英国Crystal Store出口200箱玻璃花瓶（每箱价值500美元）。请你给中国人民保险公司（PICC）写一封投保函，内容包括： 1.说明投保货物（200箱玻璃花瓶）、运输方式（海运）及目的地（英国）； 2.明确投保类型（一切险）及保险金额（按货物实际价值的110%计算）； 3.请求对方出具投保单并告知保险费，以便后续付款。 【答案仅供参考】 Dear Sir/Madam, We are writing to apply for cargo insurance for our upcoming shipment. We plan to export 200 cartons of glass vases to the UK by ocean shipping, and each carton is worth $500. We would like to cover all risks insurance for these glass vases. As for the insured amount, we request it to be calculated as 110% of the cargo’s actual value (total actual value: 200 cartons × $500 = $100,000; insured amount: $110,000). Please issue the insurance application form for us and inform us of the insurance premium amount. We will arrange the premium payment once we receive your notice. If you need more details about the cargo, please feel free to contact us. Sincerely yours, Zhang Wei 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14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14卷 知识模块 1 外贸商函 Project 6 Insurance（2） 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 covering insurance in foreign trade is to ( ). A. Promote the insurer’s new insurance products B. Transfer cargo transportation risks to the insurer and avoid financial losses C. Reduce the cost of goods production D. Cancel the signed sales contract unilaterally 2.Which of the following factors directly affects the choice of insurance type when covering insurance? A. The insurer’s office decoration style B. The type of cargo and transportation risks (e.g., ocean, air) C. The buyer’s personal favorite color D. The seller’s employee training plan 3.When covering insurance for fragile cargo (e.g., glass products), the seller should prioritize ( ). A. Insurance with wide coverage (e.g., all risks) B. Insurance with the lowest premium C. Insurance that excludes breakage risks D. Insurance with no claim settlement process 4.What should the seller do before covering insurance? A. Ignore the cargo’s value and choose any insurance B. Confirm the cargo’s value, transportation route and risk points C. Refuse to communicate with the insurer about insurance terms D. Sign the insurance contract without reading the terms 5.Which of the following is a common mistake when covering insurance? A. Choosing insurance coverage that matches the cargo’s risks B. Providing accurate cargo information to the insurer C. Underinsuring the cargo (insuring for less than its actual value) D. Keeping a copy of the insurance policy for future reference 6.The "insured amount" in the insurance policy refers to ( ). A. The fee the seller pays to the insurer B. The maximum amount the insurer will compensate for losses C. The time period during which the insurance is valid D. The list of risks covered by the insurance 7.When covering insurance for ocean shipping cargo, which insurance type is usually the most basic? A. All risks B. Free from Particular Average (FPA) C. With Particular Average (WPA) D. War risk 8.What should the seller do if the cargo is damaged during transportation after covering insurance? A. Ignore the damage and avoid notifying the insurer B. Immediately notify the insurer and prepare claim materials C. Accuse the buyer of causing the damage D. Cancel the insurance policy retroactively 9.When covering insurance, the seller must provide the insurer with ( ). A. Accurate cargo details (e.g., quantity, value, packaging) B. The buyer’s family financial information C. The seller’s internal meeting minutes D. Unrelated product samples 10.The difference between covering insurance and collecting insurance information is that covering insurance ( ). A. Is a preliminary step to understand insurance options B. Involves formally signing an insurance contract and paying premiums C. Does not require communication with the insurer D. Only focuses on comparing different insurance plans 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.投保 ________________________ 2.保险金额________________________ 3.易碎货物________________________ 4.投保单 ________________________ 5.保险责任________________________ 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.insured cargo ________________________ 2.insurance policy ________________________ 3.premium payment________________________ 4.claim notification ________________________ 5.all risks insurance ________________________ 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.我方拟为一批出口至欧洲的玻璃器皿投保一切险，保险金额按货物实际价值的110%计算。 _______________________________________________________________________________ 2.请贵方根据我方提供的货物信息（100箱陶瓷餐具，海运至美国）出具投保单，并告知保险费金额。 _______________________________________________________________________________ 3.我方已为该批电子产品投保平安险，保险有效期自货物装船之日起至目的地港口卸货完毕止。 _______________________________________________________________________________ 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 will cover insurance for 500 sets of furniture with Ping An Insurance Company, and the insured amount is $150,000. _______________________________________________________________________________ 2.The insurer requires us to provide the bill of lading and commercial invoice when covering insurance for ocean shipping cargo. _______________________________________________________________________________ 3.If you do not cover insurance for the cargo, you will bear all losses caused by transportation risks. _______________________________________________________________________________ 六、写作(本大题共1小题，20分) 假设你是中国Glassware Export Co., Ltd.的外贸专员，你公司计划通过海运向英国Crystal Store出口200箱玻璃花瓶（每箱价值500美元）。请你给中国人民保险公司（PICC）写一封投保函，内容包括： 1.说明投保货物（200箱玻璃花瓶）、运输方式（海运）及目的地（英国）； 2.明确投保类型（一切险）及保险金额（按货物实际价值的110%计算）； 3.请求对方出具投保单并告知保险费，以便后续付款。 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $$