有關(guān)保險(xiǎn)的英語(yǔ)對(duì)話
有關(guān)保險(xiǎn)的英語(yǔ)對(duì)話
在英語(yǔ)考試的聽力中，我們需要通過(guò)錄音中的情景對(duì)話來(lái)聽取我們所要的答案，今天學(xué)習(xí)啦小編在這里為大家分享一些有關(guān)保險(xiǎn)的英語(yǔ)對(duì)話，歡迎大家閱讀!
有關(guān)保險(xiǎn)的英語(yǔ)對(duì)話：Insurance Against Breakage 破碎險(xiǎn)
S: Good afternoon, Mr. Li. I was to come at 4 o’clock, wasn’t I?
史：李先生，午安。我應(yīng)該在四點(diǎn)鐘到，對(duì)嗎?
Li: Yes, Mr. Smith, we have been expecting you. Mr. Smith, this is Mr. Bai of the People’s Insurance Company of China. He has come to explain that unfortunate affair about the insurance.
李：是的，史密斯先生。我們一直盼著你。(李向史密斯先生介紹白先生)史密斯先生，這是中國(guó)人民保險(xiǎn)公司白先生。他是來(lái)解釋這件保險(xiǎn)的不幸事件。
S: Thank you for coming. Mr. Li, as you may recall, the February consignment arrived at Manila seriously damaged. The loss through breakage was over 30% of the consignment. We’ve presented a claim to the underwriters through your firm, but the insurance company refused to admit liability, as there was no insurance against breakage. We naturally were not satisfied with such a reply.
史：謝謝你來(lái)了。李先生，你也許記得，這批二月份發(fā)運(yùn)的貨，到馬尼拉時(shí)，破損嚴(yán)重。損失超過(guò)這批貨的百分之三十。我們已通過(guò)你公司向保險(xiǎn)公司提出索賠，但保險(xiǎn)公司拒絕負(fù)責(zé)，因?yàn)闆](méi)有投保破碎險(xiǎn)。我們當(dāng)然對(duì)這種回答是不滿意的。
L: I should like to hear what Mr. Bai has to say about it. You know of course that we, the sellers, are merely acting as mediators in this matter. The underwriters are responsible for the claim, as far as it is within the scope of cover.
李：我想聽聽白先生有什么看法。當(dāng)然，你是知道的，我們賣方對(duì)這件事只是個(gè)調(diào)解人。只要在保險(xiǎn)責(zé)任范圍內(nèi)，保險(xiǎn)公司就應(yīng)負(fù)賠償責(zé)任。
B: That’s just the point, gentlemen. The loss in question was beyond the coverage granted by us. According to your instructions, we made out an insurance certificate covering W.P., and the risk of breakage wasn’t mentioned in it. We rang up the Ceramics Section of the Light Industrial Products Corporation but were told that their customer had not asked for a cover of the risk of breakage.
白：先生們，問(wèn)題就在于這一點(diǎn)上。你說(shuō)的損失并不包括在我方承保的責(zé)任范圍之內(nèi)。根據(jù)你方要求，我們出具了承保水漬險(xiǎn)的保險(xiǎn)憑證，但沒(méi)提破碎險(xiǎn)。我們?cè)?jīng)打電話給輕工業(yè)品公司陶瓷器部，但他們說(shuō)客戶并未要求承保破碎險(xiǎn)。
L: In the letter of credit only a cover for "all marine risks" was requested. I should like to point out that our prices were calculated without insurance of any special risk. So we applied for the usual W.P.A. cover, and let our customers deal with the matter of breakage. Since the validity of the letter of credit was to expire in two days, there was no time to write for more detailed instructions. If the letter of credit had been valid for a longer period, we should have had time to make the matter thoroughly clear.
李;信用證只要求投保"綜合海運(yùn)險(xiǎn)"。我想要指出的是，我們的價(jià)格沒(méi)把任何特殊險(xiǎn)計(jì)算在內(nèi)。所以，我們只投保了通常的水漬險(xiǎn)，而讓我們客戶自行辦理破碎險(xiǎn)事宜。由于信用證兩天內(nèi)就要到期，來(lái)不及寫信要求做出更詳細(xì)的說(shuō)明。如果信用證有效期較長(zhǎng)的話，我們就會(huì)有時(shí)間把事情徹底弄清楚。
S: Mr. Li, our import license was only running up to the middle of February, consequently we were not able to extend the validity of the letter of credit. But we presume that the wording of our L/C implies covering the risk of breakage. Besides, when I take a W.P.A. insurance, that is, with particular average, I should think the risk of breakage is included. Breakage is particular average, isn’t it?
史：李先生，我們進(jìn)口許可證的有效期到二月中截止，因此，我們無(wú)法延長(zhǎng)信用證有效期。但是，我方認(rèn)為信用證的措詞包含了要投保破碎險(xiǎn)。此外，當(dāng)我投保水漬險(xiǎn)時(shí)，那就是with Particular Average,認(rèn)為是包括破碎險(xiǎn)。破損，對(duì)嗎?
B: Not every breakage is a particular average. It is a particular average when the breakage is resultant from natural calamities and maritime accidents, such as stranding and sinking of the carrying vessel, or is attributable to fire, explosion or collision. Without the occurrence of any such fortuities, breakage is often considered as an ordinary loss and represents what we call "inherent vice or nature of the subject matter insured", which is outside the scope of the cover.
白：并不是所有的破碎險(xiǎn)都屬于單獨(dú)海損。只意外事故所造成的破 沒(méi)，或歸因于著火，爆炸或碰撞所引起的破損才算屬于單獨(dú)海損。如果沒(méi)發(fā)生上述事故，破碎險(xiǎn)便認(rèn)為最普通損失，也就是我們所說(shuō)的由于"投保貨物內(nèi)在缺陷或特性"所引起的損失，
它不屬于承保范圍之內(nèi)。
S: But the risk of breakage is covered by marine insurance, isn’t it?
史：但破碎險(xiǎn)是包括在海洋運(yùn)輸貨物險(xiǎn)之內(nèi)的，對(duì)嗎?
B: Certainly, but it is a usual practice to make specific mention in the insurance policy or certificate that the risk of breakage is included. The inclusion of this special risk will be subject to an additional premium, which will normally be higher than the basic insurance for the ordinary marine risks. The rate for such kind of risk will vary according to the kind, or, as in ceramics, according to the fragility of the goods. I think you know all about it.
白：當(dāng)然，可是按照慣例要在保險(xiǎn)單或保險(xiǎn)憑證上特加注明破碎險(xiǎn)包括在內(nèi)。包括這種特殊險(xiǎn)就必須加付保險(xiǎn)費(fèi);這種保險(xiǎn)費(fèi)一般比通常的海洋貨物運(yùn)輸險(xiǎn)的基本險(xiǎn)為 這類險(xiǎn)別的保費(fèi)率將根據(jù)貨物種類，比如陶瓷器，就根據(jù)貨物的易脆性而有所不同。我想這一切你都知道的。
S: Well, I have heard something about it, but I can’t say that it is very clear to me.
史：哦，我聽說(shuō)過(guò)，但我不能說(shuō)我對(duì)保險(xiǎn)條款很清楚了。
B: Then let me explain this insurance.……
白：那我來(lái)解釋一下這種保險(xiǎn)……。
L: Mr Smith, would you care for a cup of tea? Or a cigarette?
李：史密斯先生，想喝杯茶嗎?還是抽支煙呢?
S: A cup of tea, thank you. Let me hear more about it.
史：謝謝，來(lái)杯茶吧。有關(guān)這種保險(xiǎn)，還請(qǐng)你多多指教。
有關(guān)保險(xiǎn)的英語(yǔ)對(duì)話：我們額外贈(zèng)送保險(xiǎn)費(fèi)
AWe agree to give you a break on the price, all together a discount of 6%. Good news is, I talked to my boss, he confirmed that if you take care of the shipping costs, we'll throw in insurance.
我們同意給你們減價(jià),總共是94折.好消息是,我和老板談過(guò),他確認(rèn)如果你們承擔(dān)船運(yùn)費(fèi)用的話,我們會(huì)額外贈(zèng)送保險(xiǎn)費(fèi).
BGreat! I'd love to get a little better discount than 6%, but if your company provides the insurance, that will save us a few bucks...
太好了!我本來(lái)很想要你們提供比94折再高點(diǎn)兒的折扣,但是如果你們提供保險(xiǎn)的話,那樣也會(huì)給我們節(jié)約不少錢...
ANow, all this is available to you, as far as you make payment within a 30 day grace period. That shouldn't be a problem, right?
那么,只要你們?cè)?0天的寬限期內(nèi)付款,我們就把一切都辦妥.這應(yīng)該不成問(wèn)題吧?
BNo... We shouldn't have any problem with that. I know we talked about a possiblity for 90 days, but we won't be needing that after your discounted price.
沒(méi)問(wèn)題...我們應(yīng)該不會(huì)有什么問(wèn)題.我知道我們過(guò)去談的期限可能是90天,但你們打折之后我們也就沒(méi)有這個(gè)必要了.
ASo, if all this is agreeable to you, I'll put it all down on paper and fax a contract to you this afternoon. If you can get a signed version of the contract we've agreed upon back to me by tomorrrow morning, we can go ahead and make arrangements to ship the product on Tuesday.
那如果你們同意這些的話,我就寫在紙上今天下午把合同給你們發(fā)傳真過(guò)去.如果明天早晨之前你們?cè)谖覀円呀?jīng)達(dá)成一致的合同上簽字并返給我的話,我們就可以開始行動(dòng),安排周二給你們送貨.
BGreat!
太好了!
有關(guān)保險(xiǎn)的英語(yǔ)對(duì)話：討論醫(yī)療保險(xiǎn)事宜
AHey honey, how was your day?
親愛(ài)的，今天過(guò)得如何?
BIt was alright. I ran into Bill and we got to talking for a while. He’s in a bit of a jam.
還行。我碰見比爾了，我們說(shuō)了會(huì)兒話。他現(xiàn)在有些困難。
AWhy? What happened?
為什么?發(fā)生什么事了?
BWell, his son had an accident and Bill doesn’t have health insurance. This really got me thinking, and I wondered if we shouldn’t look into a couple of different HMO’s.
他兒子出了車禍，但是比爾沒(méi)有醫(yī)療保險(xiǎn)。這使我思考我們是不是應(yīng)該調(diào)查下不同的醫(yī)保組織。
AYeah, you’re right. We aren’t getting any younger and our kids are getting older.
你說(shuō)得對(duì)。我們不再年輕，孩子也在變老。
BExactly! I searched on the web and found a couple of HMO’s with low co-pays and good coverage. The deductibles are low, too.
是啊，我在網(wǎng)上搜索了，找到了2家保健組織，它們的醫(yī)療費(fèi)很低而且保險(xiǎn)項(xiàng)目很好。扣除條款也很低。
ASounds good, although, do you think we can qualify for insurance? Those insurance companies are real pirates when it comes to money.
聽起來(lái)不錯(cuò)，但是你認(rèn)為我們適合保險(xiǎn)嗎?這些保險(xiǎn)公司一旦涉及到錢就十分貪婪。
BWell, we don’t have any pre-existing illnesses or conditions, so we should be fine.
我們沒(méi)有先天性的疾病和癥狀，所以應(yīng)該適合保險(xiǎn)。
AI wish our company or country provided us with healthcare.
我希望我們的公司或是單位能為我們提供醫(yī)保。
BNot in a million years!
一百萬(wàn)年內(nèi)都別指望了。
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