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　　Talking about the Insurance

　　談保險

　　Seller: Mr. Zhang? We made an appointment last time to have a discussion on insurance at 8:00 your time today. I'm here now.

　　張先生，在嗎?我(wo)們上次約好八點討(tao)論一下保(bao)險方面的(de)事宜，我(wo)來(lai)了。

　　Buyer: Oh, I'm here waiting online for you now. You are always punctual. Of course we Chinese are always confidential too. Haha.

　　哦，我在(zai)線等(deng)著(zhu)你呢。你每次都很準時。當然了，我們中(zhong)國人(ren)也(ye)是(shi)講(jiang)信用(yong)的。哈哈。

　　Seller: I believe we will be surely successful in our cooperative business. We have so many points in common.

　　我相信我們(men)的(de)合作一定能(neng)成功。我們(men)有(you)太多(duo)共同點了。

　　Buyer: Successful business is based on equality and mutual benefits. There is a great demand of linseed oil in our market recently. We have received so many inquiries and orders these days. We are thinking of placing an additional order with you for 1,000MT linseed oil of the same grade at once if this order of 1,000MT linseed oil is satisfactory.

　　成功(gong)的(de)(de)合作是基于質量和共同利益之上的(de)(de)。最(zui)近我(wo)(wo)們市場(chang)亞麻籽油(you)(you)的(de)(de)需求量很大。這些天我(wo)(wo)們收到(dao)了很多詢單和訂單。如果我(wo)(wo)們對這次的(de)(de)1000噸油(you)(you)滿意，我(wo)(wo)們打算(suan)再訂1000噸同樣的(de)(de)。

　　Seller: Wonderful! It seems we have to quicken the negotiation process. Shall I have your specific requirements?

　　那太好了(le)!看來我們的談判進程得很快。你(ni)們有什么特殊要求嗎?

　　Buyer: Thanks. Our price is confirmed by CIF Qingdao. That means your side will buy the insurance and bear the insurance premium. That will spare us the trouble to go to our underwriters and saves us much time.

　　謝(xie)謝(xie)。我們的開價是不變(bian)的，按照青島到岸價。也(ye)就是說保險費由貴方承(cheng)擔。這樣我們就不用麻煩我們的保險商了，能省下不少時間。

　　Seller: You said it. Actually, it is our interest to insure the goods ourselves. Besides, our insurance company Royale Beige, formerly called AXA Belgium, can offer good services. It has agencies in particularly all the cities of the world. If any damage or loss occurs, you may file a claim with your local insurance agent within 60 days after the arrival of the goods. Of course, your claim should be supported by a survey report. Then Royale Beige will undertake to compensate you for the loss according to the risks insured.

　　言之有(you)理。確實，對(dui)自己的產品投保(bao)對(dui)我(wo)們(men)自己也(ye)有(you)益。而且我(wo)們(men)的保(bao)險(xian)公(gong)司Royale Beige(此(ci)前(qian)叫比利(li)時安盛)提(ti)供(gong)的保(bao)險(xian)服務也(ye)很好，他們(men)的辦事處遍布世(shi)界(jie)各個城市。如果貨物受到損害，您可以在(zai)收到貨物后60日內向當(dang)地保(bao)險(xian)辦事處索賠(pei)。當(dang)然，你們(men)要有(you)調查報告(gao)作為證(zheng)據，這(zhe)樣Royale Beige就會根據投保(bao)情況對(dui)你們(men)進(jin)行賠(pei)償。

　　Buyer: You are so professional and acquainted. Wait, I copy these down.

　　你真專業，對這些(xie)了解得(de)很清楚。等一(yi)下，我把這些(xie)復制一(yi)下。

　　Seller: So lovely you are.

　　你真可愛。

　　Buyer: It's OK now. Will you give us a premium rebate just as other underwriters do?

　　好了(le)。你們會(hui)像(xiang)別的保險(xian)公司那樣(yang)給保險(xian)費回扣(kou)嗎?

　　Seller: I'm afraid we are unable to comply with your request. The insurance rates offered by our underwriters run much lower than those in other directions.

　　這我(wo)們恐怕辦不到。我(wo)們的(de)投(tou)保公司的(de)保險費率比別的(de)公司都低。

　　Buyer: Well, in that case, I suppose we have to be content with what you can do. One more thing, you'll cover WPA and War Risks that are general clauses of marine insurance, won't you?

　　那樣的話，我們(men)(men)只能聽你們(men)(men)的了。還有一件事，單獨海(hai)損賠(pei)償和(he)戰爭險(xian)都是海(hai)上保險(xian)的常有條款，你們(men)(men)也會(hui)包(bao)括(kuo)的吧?

　　Seller: Well, we can cover all basic risks and additional risks as required so long as it is stipulated in the Ocean Marine Cargo Clauses of Royale Beige.

　　我們會包括(kuo)所有基本的險種(zhong)，除此以外，Royale Beige規定的一(yi)切海運(yun)保險條款也會包括(kuo)在內。

　　Buyer: Then do you cover risks other than WPA and War Risks?

　　那除了單獨海損賠償(chang)和戰爭(zheng)險以外還有(you)別的嗎?

　　Seller: Certainly. We can offer Risks of Leakage, Fresh and/or Rain Water Damage, Hook Damage, Breakage of Packing, Clashing, TPND and so forth.

　　當然了(le)。我們還包(bao)含(han)貨(huo)物泄露險，雨(yu)水損(sun)壞險，釣損(sun)險，包(bao)裝破(po)裂險，碰損(sun)險以(yi)及偷竊提(ti)貨(huo)不著險等等。

　　Buyer: I suppose they are classified under Extraneous Risks.

　　這些應該(gai)都是附加險(xian)吧。

　　Seller: Yes. PICC has almost the same insurance regulations.

　　沒錯。中(zhong)國人民(min)財產保(bao)險股(gu)份(fen)有限公司(si)的條款(kuan)和這也差(cha)不多。

　　Buyer: Another thing, I'd like to have the insurance covered at 120% of the invoice amount. Do you think that can be done?

　　還有一件(jian)事，保險能(neng)否(fou)按照發票的120%去(qu)做?

　　Seller: I think so. But please note that our insurance coverage is usually for 110% of the invoice value, not for 120%. Thus the extra premium should be born by the buyer.

　　可以。但是(shi)請注(zhu)意，我們的保險范(fan)圍一般都(dou)是(shi)發票面值110%，而(er)不是(shi)120%。所以你們要(yao)承擔那額外的附(fu)加保險費。

　　Buyer: I understand. So happy to talk with you.

　　我(wo)明白，這次(ci)談話很(hen)愉快。

　　Seller: Does it mean you are leaving soon? How about complaints and claims?

　　你要下線(xian)了嗎(ma)?申訴(su)和索賠的事(shi)情(qing)怎(zen)么說?

　　Buyer: I'd suggest leaving this topic till tomorrow, as it's rather late now.

　　我(wo)們明天再(zai)談(tan)這個吧，今(jin)天太晚了(le)。

　　Seller: All right. Let's call it a day.

　　好吧，今天就(jiu)到此為(wei)止。