A：Mr. Li, I'd like to have a talk with you over the question of insurance you doesn’t mind.
B: No, not a bit. Go ahead, please.
A：What do your insurance clause cover?
B；There are three basic covers, namely, Free from Particular Average, With Particular Average and All Risks.
A:If we conclude the business on CIF basis, what coverage will you take out for the goods?
B； Generally speaking, we only insurance the goods with Particular Average.
A： Do your cover risks other than WPA, for instance, TPND, Weight and Fresh and Rainwater Damage?
B：Yes. If the buyers want of have the goods insured against these risks, we shall arrange for them.
A：And It is the buyers who will pay for the extra premium, I think.
B：That's It. According to the international practice, we do not insure against such risks unless they are called for by the buyers.
A：How is business?
B：Not so good,I have to say.
A：Why, what has happened?
B:Well, the February consignment of canned goods arrived at the destination rather dented and our users refused to pay for It.
A：That really sounds bad! What’s the cause for the damage, do you think?
B：Personally, I think the damage was due to careless packing. But my exporter insists that the damage has nothing to do with packing itself and asks me to claim against either the insurance company or the shipping company. So my question to you is whether I can lodge a claim with the insurance company on the damaged goods.
B:我个人认为损坏是由于包装不当所致，但出口商坚持 认为货物的损坏与包装本身没有任何关系，并要我向 保险公司或船运公司索赔。因此，我问你的问题是我能否就损失的货物向保险公司提出索赔。
A：Well, your problem relies on what sort of insurance policy you have taken out?
B：You see, we have got an “open cover” policy with the ABC Insurance Company.
A： Well, I don't think I can give you an answer before I know the terms of the policy. Generally speaking，under a CIF term，it covers only“AII Risks” and“ War Risks”，at 110% of the invoice value. Additional specific risks may be covered by additions to the FPA and WPA.
A:在我了解到你方的投保条款之前，我无法回答你的问 题。一般说来，根据CIF价格条件，所投保的是货物发 票价值110%的综合险和战争险。对额外风险,则可以 附加投保平安险和水溃险。