F.P.A. stands for "Free from Particular Average".
FPA代表平安险。
W.P.A. stands for "With Particular Average".
WPA代表水渍险。
I'll have the goods covered against Free from Particular Average.
我将为货物投保平安险。
I know that F.P.A insurance doesn't cover losses on consumer goods.
我知道平安险不包括消费品的种种损失。
I don't think that the W.P.A insurance covers more risks than the F.P.A..
我认为水渍险承保的范围并不比平安险的范围宽。
Free from Particular Average is good enough.
只保平安险就可以了。
The goods are to be insured F.P.A.
这批货需投保平安险。
What you've covered is Leakage¹.
你所投保的是渗漏险。
Why don't you wish to cover Risk of Breakage?
您为什么不想投保破碎险呢？
W.P.A coverage² is too narrow for a shipment of this nature, please extend the coverage to include TPND.
针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不成险。
Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage?
您不想保水渍险和附加破碎险吗？
Not every breakage is a particular average.
并不是所有的破碎险都属于单独海损。
The coverage is W.P.A. plus Risk of Breakage.
投保的险别为水渍险加破碎险。
Well, obviously you won't want All Risks cover.
显然，你不想保综合险。
An All Risks policy covers every sort of hazard, doesn't it?
一份综合险保单保所有的险，是吗？
We'd like? to cover the porcelain³ ware⁴ against All Risks.
我们想为这批瓷器投保综合险。
Please insure the shipment for RMB5,000 against All Risks.
请将这批货物投保综合险人民币5000元。
We've cover insurance on these goods for 10% above the invoice⁵ value against All Risks.
我们已经将这些货物按发票金额加百分之十投保综合险。
An F.P.A. policy only covers you against total loss in the case of minor⁶ perils⁷.
平安险只有在发生较小危险时才给保全部损失险。
The F.P.A. doesn't cover partial loss of the nature of particular average.
平安险不包括单独海损性质的部分损失。
A W.P.A. or W.A. policy covers you against partial loss in all cases.
水渍险在任何情况下都给保部分损失险。
You'll cover SRCC risks, won't you?
你们要保罢工、暴动、民变险，是吗？
As our usual practice, insurance covers basic risks only, at 110 percent of the invoice value. If coverage against other

risks is required, such as breakage, leakage, TPND, hook and contamination damages, the extra premium⁸ involved would be for

the buyer's account.
按照我们的惯例，只保基本险，按发票金额110%投保。如果要加保其它险别，例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等，额外保险

费由买方负担。

Words and Phrases
insurance free of (from) particular average (FPA). 平安险（单独海损不赔）
insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险
risk of breakage 破碎险
risk of clashing 碰损险
risk of rust⁹ 生锈险
risk of hook damage 钩损险
risk of contamination (tainting) 污染险
insurance against total loss only (TLO) 全损险
risk of deterioration¹⁰ 变质险
risk of packing breakage 包装破裂险
risk of inherent vice¹¹ 内在缺陷险
risk of normal loss (natural loss)? 途耗或自然损耗险
risk of spontaneous combustion¹² 自然险
risk of contingent¹³ import duty 进口关税险
insurance against war risk 战争险
Air Transportation Cargo¹⁴ War Risk 航空运输战争险
overland Transportation Insurance War Risk 陆上运输战争险
insurance against strike, riot and civil commotion¹⁵ (SRCC) 罢工，暴动，民变险
insurance against extraneous¹⁶ risks, insurance against additional risks 附加险
risk of theft, pilferage¹⁷ and nondelivery (TRND) 盗窃提货不着险
risk of fresh and/of rain water damage(wetting) 淡水雨淋险
risk of leakage 渗漏险
risk of shortage in weight/quantity 短量险
risk of sweating and/or heating 受潮受热险
risk of bad odour(change of flavour) 恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险

（五）

We can serve you with a broad range of coverage against all kinks of risks for sea transport.
我公司可以承保海洋运输的所有险别。
Generally speaking, aviation insurance is much cheaper than marine¹⁸ insurance.
空运保险一般要比海运保险便宜。
Then "all marine risks" means less than "all risks".
那么，“一切海洋运输货物险”意味着比“一切险”范围小一些。
In the insurance business, the term "average" simply means "loss" in most cases.
在保险业中“average”一词一般是“海损”的意思。
Are there any other clauses in marine policies?
海运险还包括其它条款吗？
Breakage is a particular average, isn't it?
破碎险属于一种单独海损，对吗？
the risk of breakage is covered by marine insurance, isn't it?
破碎险是包括在海洋运输货物险之内的，对吗？
The English understood by "marine risks" only risks incident to transport by sea.
英国人对“海洋运输货物险”只理解为海洋中的意外风险。
Generally, the term "all marine risks" is liable to be misinterpreted and its use should be avoided in L/C.
一般地，“一切海洋运输货物险”容易被误解，应该避免在信用证中使用。

Words and Phrases
ocean marine cargo insurance clauses 海洋运输货物保险条款
transportation insurance 运输保险
overland transportation insurance, land transit¹⁹ insurance 陆上运输保险
insurance against air risk, air transportation insurance 航空运输保险
parcel post insurance 邮包运输保险
ocean marine cargo insurance, marine insurance 水险（海运货物保险）
All Risks 一切险
average 海损
Particular Average (P.A) 单独海损
General Average (G.A) 共同海损
Marine Losses 海损
partial loss 部分损失
total loss 全部损失

（六）

Please tell me whether I need to purchase a foreign student policy.
告诉我是否我需要购买外国学生保险。
I'd like to know whether basic health insurance coverage should include benefits for outpatient, hospital, surgery and

medical expenses.
我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。
Will you please tell me where I can purchase health insurance?
请告诉我在何处能买到健康保险？
Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sickness or

injury.
健康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。
"Major medical" insurance policies are designed to help offset²⁰ heavy medical expenses that can result from a prolonged

illness or serious injury.
“巨额医药费保险”旨在协助减轻久病及重伤所造成的重大医药开支。
If the benefits provided under a certain policy have a dollar limitation for each service, you should determine whether these

limitations are realistic.
如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。

Words and Phrases
health insurance 疾病保险，健康保险
sickness insurance 疾病保险
insurance for medical care 医疗保险
"major medical" insurance policy 巨额医药费保险
insurance during a period of illness 疾病保险
life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor²¹ 长寿保险
to purchase health insurance 购买健康保险
to have a health insurance policy 购买健康保险
Additional Words and Phrases
policy-holder 保险客户
extra premium 额外保险费
additional premium 附加保险费
insurance law 保险法
insurance act 保险条例
insurance industry? 保险业
insurance division 保险部
insurance treaty 保险合同
cover note 保险证明书
guarantee of insurance 保险担保书
premium rebate 保险费回扣
insurance claim 保险索赔
ceding, retrocession(for reinsurance) 分保
reinsurance 分保（再保险）
ceding(insurance)company 分保公司
co-insurance company 共同保险公司
insurance document 保险单据
certificate of insurance 保险凭证
increasing coverage, extending coverage 加保
renewing coverage 续保
insurance commission 保险佣金
social insurance 社会保险
personal property insurance 个人财产保险
insurance of contents 家庭财产保险