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1、Dialogue:A:thebuyerB:thesellerJ:InsuranceA:GoodafternoonMr.Brown.Myappointmentwasat4o’clockwasn’titB:YesMrs.Wang.Wehavebeenexpectingyou.Mrs.WangthisisMr.JdanofthePeople’sInsuranceCompanyofChina.Hehascometoexplaintheunftu
2、nateaffairabouttheinsurance.A:Thankyoufcoming.Mr.BrownasyoumayrecalltheFebruaryconsignmentarrivedatManilaseriouslydamaged.Thelossthroughbreakagewasover30%oftheconsignment.We’vepresentedaclaimtotheunderwriters(保險公司)throug
3、hyourfirmbuttheinsurancecompanyrefusedtoadmitliabilityastherewasnoinsuranceonbreakage.Wenaturallywerenotsatisfiedwithsuchareply.B:IshouldliketohearwhatMr.Jdanhastosayaboutit.Youknowofcoursethatwethesellersaremerelyacting
4、asmediatsinthismatter.TheInsuranceCompanyisresponsibleftheclaimasfarasitiswithinthescopeofcoverage.J:That’sjustthepoint.Thelossinquestionwasbeyondthecoveragegrantedbyus.Accdingtoyourinstructionswemadeoutaninsurancecertif
5、icateJ:Noteverybreakageisaparticularaverage.Itisaparticularaveragewhenthebreakageresultsfromnaturalcalamityftuitousaccidentssuchasstring擱淺sinkingofthecarryingvesselisattributabletofireexplosioncollision.Ifnoneofthesecond
6、itionsoccurbreakageisoftenconsideredasandinarylosswhichisoutsidethescopeofthecoverage.A:Buttheriskofbreakageiscoveredbymarineinsuranceisn’titJ:Certainlybutitisausualpracticetomakespecificmentionintheinsurancepolicycertif
7、icatethattheriskofbreakageisincluded.Theinclusionofthisspecialriskwillbesubjecttoanadditionalpremiumthatwillnmallybehigherthanthebasicinsurancefthedinarymarinerisks.Theratefsuchriskwillvaryaccdingtothekindofcommodityasin
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