Additional premium¹？ That's not a problem. There’s no harm in doing things on the safe side.

　　额外保险费？这没问题。做事保险一些总没坏处。

　　premium： amount or installment² （to be） regularly paid for an insurance policy 保险费：

　　* Your first premium is now due. 你的第一期保险费现已到期。

　　Then we will cover War Risk for you.

　　这样我们就替你投保战争险。

　　cover sb/sth （against/for sth） ： insure sb/sth against loss， etc 给某人[某事物]保险：

　　* Are you fully³ covered against/for fire and theft？ 你是否保了足够的火险和盗窃险？

　　Good. One more thing. What if I want a 130% coverage⁴？

　　好的。还有一件事，如果我按130%投保呢？

　　what if ： what would happen if？ 要是……又怎样？：

　　* What if it rains when we can't get under shelter？ 假若下起雨来， 我们又没处避雨可怎么办？

　　* What if the rumour⁵ is true？ 万一谣传真有其事呢？

　　You mean 130% of the invoice⁶ value？ This can be done， but you will have to pay the extra premium too.

　　你是说发票金额的130%吗？可以，但也要交额外保险费。

　　In this case I'd rather have 110%.

　　这样的话，我还是投保110%吧。

　　We usually insure against All Risks for 110% of the invoice value.

　　我们通常按发票金额的110%投保一切险。

　　insure sb/sth  （against sth） ： make a contract that promises to pay sb an amount of money in case of accident，  injury， death， etc， or damage to or loss of sth 保险； 投保：

　　*insure oneself/one's life for 50000 为自己投50000英镑的人寿保险

　　* insure one's house against fire 为自己的房子保火险。

　　Does All Risks include War Risk？

　　一切险也包括战争险吗？

　　No. War Risk is a special additional risk， and it has to be arranged separately.

　　不。战争险是一种特殊附加险，必须单独投保。

　　But judging from the recent situation in Kosovo， I think War Risk should be covered.

　　但是从科所沃目前的形势看，我认为应该投保战争险。

　　We can certainly do this， but it is subject to an additional premium， because our CIF quotation⁷ doesn't include this risk.

　　我们当然可以做到，但战争险要交额外保险费，因为我们CIF报价没有包括这种险别。

　　subject adj.作表语

　　~ to sth/sb obliged to obey sth/sb； under the authority of sth/sb 须服从某事物[某人]； 受某事物[某人]支配：

　　*We are subject to the law of the land. 我们须遵守当地的法律。

　　* Peasants used to be subject to the local landowner.农民过去受地主的压迫