Раздел № 5: Виды ущербов Unit 5: Types of loss
Цель: Изучив данный раздел, Вы узнаете слова по теме «Виды ущербов», сможете употреблять их в устной и письменной речи.
Lexical work
Ex. 1. 1 Translate the text, using your dictionary.
As far as marine insurance is concerned, insurers distinguish between total loss and partial loss.
1. TOTAL LOSS:
a. Actual Total Loss (ATL)
An actual total loss is said to have occurred when the ship and cargo have sunk and cannot be recovered.
If the ship disappears after leaving the port or if it is long overdue, this is also considered to be an actual total loss. If the ship then turns up after a claim for ATL has been settled, it automatically becomes the property of the insurers.
b. Constructive Total Loss (CTL)
A constructive total loss occurs when the ship or goods are so badly damaged that the cost of repairing them would be greater than their market value. It also occurs when a ship sinks and is left because the cost of recovery would be too high or the risk to human life too great.
2. PARTIAL LOSS:
- Particular average
Particular average occurs when the object insured is loss or damaged because of an accident, such as a fire or flood on board the ship. The loss is born by the person to whom the object belonged.
- General average
General average occurs when the object insured is sacrificed in order to prevent a total loss for example, goods may be thrown overboard in order to stop a ship sinking. The loss is borne by all parties – both the ship owner and the cargo owners.
Words
Ex.1.2 Give English equivalents for Russian words and expressions.
1. As far as marine insurance is concerned, insurers (различают между) total loss and partial loss.
2. An actual total loss is said to have occurred (когдакорабль и груз затонули) and cannot be recovered.
3. If the ship then turns up after a claim for ATL has been settled, it (автоматически становится собственностью) of the insurers.
4. It also (случается) when a ship sinks and is left because (стоимость восстановления) would be too high or the risk to human life too great.
5. General average occurs when the object insured is sacrificed (для того чтобы предотвратить) a total loss.
Ex.1.3 What type of loss was this?
1. A ship disappeared while sailing through the Bermuda Triangle.
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2. A ship carrying cheap general cargo sank close to the coast of France.
3. Two boxes of goods were lost overboard as a result of bad weather.
4. In 1912, the supposedly unsinkable Titanic hit an iceberg and sank in the Atlantic.
5. A ship carrying oil barrels caught fire, and the crew threw the barrels into the sea to prevent an explosion.
6. Pirates boarded a ship and stole part of the cargo.
Раздел № 6: Страховые документы Unit 6: Insurance documents
Цель: Изучив данный раздел, Вы узнаете слова по теме «Страховые документы», сможете употреблять их в устной и письменной речи. 1. Lexical work
Ex. 1. 1 Translate the text, using your dictionary.
Among insurance documents there are insurance policiesand insurance certificates. There is a certain difference between the two but it is very subtle and sometimes, besides, they are used interchangeably. These documents state what goods are insured, in whose name they are insured, against what risks, for what amount, at what premium and so on.
Here is a part of a specimen insurance policy:
INGOSSTRAKH
Insurance Policy No 338
This is to certify the insurance cover to the order of Chemico, Moscow, of: Chemicals ST, gross weight packed 5100 kgs, net weight 5000 kgs in 100 plastic bags in favour of: Petro Co Ltd. Liverpool for the amount of: 875,000.00 English pounds sterling (eight hundred and seventy five thousand English pounds sterling)
Shipped from:
Riga to Liverpool
on board vessel:
Alexander Pushkin
on:
November, 1998
against:
War, fire and marine risks
premium:
As agreed
Besides insurance documents, transport documents, commercial invoices some other documents may be involved in business transactions in accordance with contracts. They are:
- import/export licences
- customs declarations
- consular invoices
- veterinary certificates
- phytosanitary certificate and others.
Words
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Ex. 1.2 Open the brackets by using the verbs in the correct forms:
1. A lot of various documents (to involve) in business transactions.
2. Among insurance documents there (to be) insurance policies and certificates.
3. There (to be) a certain difference between these two terms.
4. The difference (to be) very subtle.
5. Sometimes these two terms (to use) interchangeably.
6. These two documents state what goods (to insure).
7. They also (to state) in whose name the goods (to insure).
Ex. 1.3 Write down the English terms:
импортная лицензия ________________________________________
таможенная декларация _____________________________________
консульский счет __________________________________________
санитарный сертификат на растения __________________________
ветеринарный сертификат __________________________________
№ 27. Контрольная работа
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