正文部分

货物保险

Are buyers responsible for the insurance charges?
附加险的保险费由买方来负担吗？

Yes, this is a standard practice.
是的，这是惯例。
Yes, you are right.
是的，正是如此。

How long is the validity term of insurance responsibility?
保险责任有效期是多少？

It is up to 60 days until the goods are unloaded from ships.
直到货物在最后卸货港卸离轮船为止，60天为限。
Which kind of insurance is more extensive, FPA or WPA?
哪种保险责任范围更广泛，平安险还是水渍险？
WPA, for partial loss will be compensated under this cover.
水渍险。因为这种险部分损失也负责赔偿。
WPA is more expansive.
水渍险保险范围更广。

Do you still want an FPA policy?
你还是要投平安险吗？

Well, I'll have a word with our underwriter and see what he says.
嗯，我得先跟保险公司谈谈，听听他们的意见再决定。
Yes, I want an FPA policy.
是的，我要投平安险。

Do you want to renew the insurance?
您是想续保吗？

Exactly.
正是。
Yes, you are right.
是的。

要点精讲

背景知识认知：

1. FPA: free of particular average 单独海损不赔，平安险

2. WPA: with particular average 担保单独海损，水渍险

词汇精学：

1. insurance charge 保险费

2. a standard practice 惯例

3. the validity term 有效期

4. underwriter
n. 保险公司；保险业者；承诺支付者；担保人

eg. It is the top underwriter of corporate bonds in China.
该公司是中国最大的企业债券承销商。

eg. Depending on whether an operation is invoked by the customer or by the underwriter, the returned behavior may be quite different.
根据某个操作是由客户还是由担保人调用的，所返回的行为可能会有很大不同。

短语精学：

be responsible for 对……负责；是……的原因

eg. Our client wanted to be responsible for testing the application.
我们的客户想要负责测试这个应用程序。

eg.While it’s long, it’s a great summary of the debate about who should be responsible for social media in an organisational context.
信虽然很长，但的确是一个很好的总结，一个关于谁有责任在一个组织中充当媒介的思考。

eg. Employees who used to be responsible for decisions, now have to run it by their boss or their colleagues.
过去愿意承担责任的员工，现在更愿意把责任推给老板或是同事。