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如何用英语表达外贸报价的保险要求？

In the field of foreign trade, insurance requirements play a crucial role in protecting both buyers and sellers. Properly expressing insurance requirements in English is essential for smooth communication and successful transactions. This article aims to provide a comprehensive guide on how to express insurance requirements in English when making an export quotation. By following these guidelines, you can ensure that your insurance requirements are clearly understood by your counterparts.

Understanding the Importance of Insurance Requirements

Insurance is a critical component of international trade, as it provides protection against various risks, such as damage, theft, and loss during transportation. When making an export quotation, it is crucial to specify the insurance requirements to ensure that both parties are aware of the coverage and responsibilities involved.

Expressing Insurance Requirements in English

Insurance Policy Type

When specifying the type of insurance policy, you can use the following expressions:

Marine Cargo Insurance: This is the most common type of insurance for international trade. You can say, "We require marine cargo insurance for the shipment of our goods."
All Risks Insurance: This type of insurance covers all risks except those specifically excluded. You can express it as, "We would like to arrange all risks insurance for the goods."
War Risk Insurance: This insurance covers risks related to war and political disturbances. You can say, "We need war risk insurance for the shipment of our goods."

Insurance Coverage

Specify the scope of coverage for the insurance policy. You can use the following expressions:

Warranty of Seaworthiness: This ensures that the vessel is fit for the voyage. You can say, "The insurance policy should cover the warranty of seaworthiness."
Warranty of Safe Handling: This ensures that the goods are handled safely during transportation. You can express it as, "We require the insurance policy to cover the warranty of safe handling."
Warranty of Prompt Delivery: This ensures that the goods are delivered on time. You can say, "The insurance policy should cover the warranty of prompt delivery."

Insurance Value

Specify the value of the goods that needs to be covered by the insurance policy. You can use the following expressions:

Invoice Value: This is the value of the goods as stated on the invoice. You can say, "The insurance value should be equal to the invoice value."
Cost, Insurance, and Freight (CIF): This is the total cost of the goods, insurance, and freight. You can express it as, "The insurance value should be based on the CIF value."
Cost, Insurance, and Freight Plus Commission (CIFC): This includes the CIF value plus the commission. You can say, "The insurance value should be based on the CIFC value."

Insurance Company

Specify the insurance company you would like to use for the policy. You can use the following expressions:

Local Insurance Company: You can say, "We would like to arrange insurance through a local insurance company."
International Insurance Company: You can express it as, "We prefer to use an international insurance company for the policy."
Specific Insurance Company: You can say, "We would like to arrange insurance through [Insurance Company Name]."

Case Study: Expressing Insurance Requirements in an Export Quotation

Let's consider a scenario where a Chinese exporter is making a quotation for the shipment of electronic goods to the United States.

Quotation Sample:

Subject: Export Quotation for Electronic Goods

Dear [Buyer's Name],

We are pleased to offer you the following quotation for the shipment of electronic goods to the United States:

Product Description: Electronic Goods
Quantity: 1,000 units
Unit Price: $100
Total Amount: $100,000
Payment Terms: 30 days net
Delivery Time: 4 weeks after confirmation
Insurance Requirements:
- Insurance Policy Type: All Risks Insurance
- Insurance Coverage: Warranty of Seaworthiness, Warranty of Safe Handling, Warranty of Prompt Delivery
- Insurance Value: Invoice Value
- Insurance Company: China Insurance Company (PICC)

We look forward to your prompt response and hope to establish a long-term business relationship with you.

Best regards,

[Your Name]
[Your Company]

By following these guidelines and incorporating the appropriate expressions, you can effectively communicate your insurance requirements in English when making an export quotation. This will help ensure that both parties are protected against potential risks and contribute to a successful transaction.