Premium rates

保險費(fèi)率

A: Though I have effected insurance for quite a few times, there is still one thing I am not sure.

雖然我曾經(jīng)辦過幾次保險，但仍有一事不是很了解。

B: What is it?

什么問題？

A: What do you think are the main factors that determine the premium rates?

你認(rèn)為決定保險費(fèi)率的主要因素有哪些？

B: First, I think it is the carrying vessel, like its age, classification, ownership and management. And the second is packing.

首先，我認(rèn)為是運(yùn)載船只的情況。比如它的船齡，類型，船主及管理。此次就是包裝。

A: Packing should be seaworthy for strong enough to endure rough handling.

包裝應(yīng)適合海運(yùn)或足夠堅(jiān)固，經(jīng)得住野蠻裝卸。

B: In some cases, it is. But not for air freight and container shipment, they tend to require less packing.

在某種情況下不是這樣的?？者\(yùn)和集裝箱運(yùn)輸就不是這樣，我們往往要求較少的包裝。

A: How about the type of merchandize to be shipped?

裝運(yùn)商品的類型有關(guān)系嗎？

B: It must be considered, because some goods are more vulunerable to damage.

當(dāng)然需要加以考慮。因?yàn)橛行┊a(chǎn)品更易破損。

A: I guess the distance of transportation and modes of transport also influence the rates.

我想運(yùn)輸距離和方式也會影響費(fèi)率的。

B: Right. Sometimes, underwriters charge you at a higher premium just because the goods are easily to be damaged or get stolen.

是的。有時候保險商會因?yàn)榘l(fā)運(yùn)貨物受損或易被偷竊，而收取較高的保險費(fèi)。

A: Are there close connections between the types of risks and the premium?

保險險種和費(fèi)率之間關(guān)系密切嗎？

B: Yes, the more expensive cover is required, the higher the premium rate is.

是的，保險范圍越廣，保險費(fèi)率就越高。

A: If the goods to be shipped are glassware, the premium rate against all risks including breakage differs greatly from that excluding it.

如果所投保的貨物是玻璃制品，投保包括破碎險在內(nèi)的一切險種與不包括破碎險的相比有很多的區(qū)別。

B: Last but not least, the volume of cargo. That means a substantial shipment may get more favorable premium.

最后一點(diǎn)重要的是商品數(shù)量。就是說大批量的貨物運(yùn)輸可能獲得更優(yōu)惠的保險費(fèi)率。

A: I am clear about the rates now. I really appreciate your help.

現(xiàn)在我清楚了。感謝你的幫助。

B: I'm entirely at your service.

愿意為您效勞。

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