Premium rates
保險(xiǎn)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(guò)幾次保險(xiǎn)，但仍有一事不是很了解。
B: What is it?
什么問(wèn)題？
A: What do you think are the main factors that determine the premium rates?
你認(rèn)為決定保險(xiǎn)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。空運(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(huì)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(shí)候保險(xiǎn)商會(huì)因?yàn)榘l(fā)運(yùn)貨物受損或易被偷竊，而收取較高的保險(xiǎn)費(fèi)。
A: Are there close connections between the types of risks and the premium?
保險(xiǎn)險(xiǎn)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(xiǎn)范圍越廣，保險(xiǎn)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(xiǎn)在內(nèi)的一切險(xiǎn)種與不包括破碎險(xiǎn)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(shuō)大批量的貨物運(yùn)輸可能獲得更優(yōu)惠的保險(xiǎn)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。