Premium rates
保險費率
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?
你認為決定保險費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，我認為是運載船只的情況。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.
包裝應適合海運或足夠堅固，經得住野蠻裝卸。
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。空運和集裝箱運輸就不是這樣，我們往往要求較少的包裝。
A: How about the type of merchandize to be shipped?
裝運商品的類型有關系嗎？
B: It must be considered, because some goods are more vulunerable to damage.
當然需要加以考慮。因為有些產品更易破損。
A: I guess the distance of transportation and modes of transport also influence the rates.
我想運輸距離和方式也會影響費率的。
B: Right. Sometimes, underwriters charge you at a higher premium just because the goods are easily to be damaged or get stolen.
是的。有時候保險商會因為發運貨物受損或易被偷竊，而收取較高的保險費。
A: Are there close connections between the types of risks and the premium?
保險險種和費率之間關系密切嗎？
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的一切險種與不包括破碎險的相比有很多的區別。
B: Last but not least, the volume of cargo. That means a substantial shipment may get more favorable premium.
最后一點重要的是商品數量。就是說大批量的貨物運輸可能獲得更優惠的保險費率。
A: I am clear about the rates now. I really appreciate your help.
現在我清楚了。感謝你的幫助。
B: I'm entirely at your service.
愿意為您效勞。
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