2011年国际货运代理考试英语精选辅导
（一）Insurance Policy 保险单
1．Insurance policy is an evidence of insurance contract issued by the insurer or underwriter to the assured. It stipulates each party’s rights and responsibilities.(这句话是保险单的定义，需要了解)
注释：insurance policy：保险单
evidence：证据，凭证
issue：签发
underwriter:保险人;保险商(=insurer)
stipulate：规定
party：一方(签约的一方)
rights and responsibilities：权利和责任
这句话的意思是：保险单是由保险人或者保险商签发给被保险人的保险合同凭证，规定了合同每一方的权利和责任。
2．The format of insurance policy forms varies from insurer to insurer.
注释：format:版式，格式
这句话的大致意思是：保险单的格式也因保险人(或保险公司)的不同而不一样。
3．Insurance policy or certificate, and endorsement are the main ones used in daily business.
注释：insurance policy or certificate：保险单或保险凭证
endorsement：背书，认可(在这里是为“批单”的意思，是在保险单出立后，双方当事人同意对保险单内容进行增删而由保险人出具的一种凭证。)
这句话大致的意思是：保险单或保险凭证，以及批单是日常业务中主要使用的一组单据。
4．The policy must be issued and signed by an insurance company or its agent.
注释：signed：签署
意思是：保险单必须是由保险公司或其代理人签发和签署的。
5．If more than one original is issued and is so indicated in the policy, all the originals must be presented to the bank, unless otherwise authorized in the letter of credit.
注释：more than one：不止一个，很多
original：正本
indicate:显示，表明
otherwise：否则，另外(unless otherwise：除非另有)
authorize：批准，授权
这句话大致的意思是：如果签发了不止一个正本并且在保险单上也是这么表明的，除非信用证中另有规定，所有的正本都必须呈给银行。
（二）Type of Basic Coverage 基本险别的几种类型
All Risks一切险
一切险是最高险别，责任范围最广，一切险实际上是平安险、水渍险和一般附加险的总和。
一切险的介绍：
6．All Risks is the most widely used in the transport of general cargo because it provides better coverage than WA/WPA type. 一切险在普通货物运输中最广泛使用的一个险别，因为它的承包范围更优于水渍险…
注释：widely: 广泛地，普遍地
general cargo: 普通货物，一般货物
better than: 更好的，比...更好
7．Aside from the risks covered under WA/WPA type, it also provides insurance against all risks of loss of or damage to the cargo insured arising from external causes in the course of transit.
一切险除了平安险和水渍险的责任外，还包括(保险标的)在运输途中由于外来原因所造成的所有损失(包括全部损失和部分损失)。
注释：aside from: 除了…以外
arise from: 起于，由…出身
external cause: 外部因素
transit: 运输，搬运
8．The All Risks does not cover risks of war, strike and other special additional risks such as failure to delivery, import duty, on deck, rejection, aflatoxin etc. 一切险不包括战争险，罢工险和其它附加的特殊险别，比如交货不到险，进口关税险，舱面险，拒收险，黄曲霉素险等等。
注释：strike:罢工
additional:附加的，额外的
failure to delivery: 交货不到险
(on) deck:甲板，舱面
rejection:拒收
aflatoxin:黄曲霉素
9．The general additional risks such as theft, pilferage & non-delivery risks, fresh water and/or rain damage risks, shortage risks, intermixture and contamination risks, leakage risks, clash and breakage risks, taint of odour risks, sweat and heating risks, hook damage risks, breakage of packing risks and rust risks are covered in All Risks coverage.一切险包含一般附加险，比如说偷窃提货不着险，淡水雨淋险，短量险，混杂、玷污险，渗漏险，碰损破碎险，串味险，受潮受热险，钩损险，包装破损险，锈损险。
注释：general additional risk：一般附加险
theft, pilferage & non-delivery risks：偷窃提货不着险
fresh water and/or rain damage risks：淡水、雨淋险
shortage risks：短量险
intermixture and contamination risks：混杂、玷污险
leakage risks：渗漏险
clash and breakage risks：碰损、破碎险
taint of odour risks：串味险
sweat and heating risks：受潮受热险
hook damage risks：挂钩险
breakage of packing risks：包装破裂险
rust risks：锈损险
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