A letter of insurance is structured in 3main parts as follows：
1.The first part is to express thanks for the previous letter of insuring the goods and make confirmation of the goods insured.
2.The second part consists of more than one paragraphs if needed， and states the details of insurance concisely but completely.
3.At last， the letter finishes with a hope for a timely reply.
保险信主要由以下3部分构成：
1.第一部分首先感谢对方上一封关于货物的投保信，同时对投保的货物予以确认。
2.第二部分可以根据需要分成若干段落，言简意赅地叙述保险的细节。
3.最后，以希望尽快收到对方的答复结束全文。
value 估价/价值/价格
The jeweler value the ring at US500.
珠宝商给这枚戒指估价500美元。
The stolen goods are reckoned to amount to about US5，000 in value.
被盗的货物估计价值大约5000美元。
Nothing of value was lost.
没有贵重物品丢失。
insure 给……保险/为……投保
We have insured the warehouse against fire.
我方已为仓库投保了火险。
Did you insure the lot for all risks？
贵方为这批货物投保了一切险吗？
Every owner usually insures his goods against the risk of theft.
货主通常为自己的货物投保偷窃险。
risk 危险/风险/险别/冒……风险
There is still existing the risk that your famous and expensive watch is stolen again.
贵方的名贵手表仍然存在再次被盗的危险。
We value highly our reputation so that we would not risk selling goods of inferior quality.
因为我方高度重视我方的声誉，所以我方不愿意冒险销售劣质产品。 terms and conditions 条件
We will come to business with you on the terms and conditions agreed with you.
我方将按照与贵方商议好的条件与贵方成交。
We suggest another appointment especially for the details of our conditions and terms of insurance.
我方提议再次约定时间专门商讨保险条件的细节。
cover...against 为……保险/投保
We bought the policy that cover against all risks.
我方买了投保一切险的保险单。
Our house was covered against fire and theft.
我们为房屋投保了火险和偷窃险。
According to your instruction， we covered insurance against WPA and TPND for the goods.
根据贵方的要求，我方为货物投保了水渍险和偷窃提货不着险。
We effect insurance on/at.../We will insure... 由我方投保
As we effect insurance on the goods we purchase from you， you will please quote us on C&F Keelung.
因为我方向贵方购买的商品，已由我方投保，请告知基隆港成本加运费在内价。
We effect insurance on the goods to be shipped by the M/S “Queen” on FPA.
“皇后”号邮轮装运的货物，由我方投保平安险。
We shall effect insurance at this end under our open policy.
由我方投保总括预定保险。
Please effect insurance on our account for the amount of your invoice plus 10% imaginary profit.
请以我方账户投保贵方发票金额再加10%预测可得利润的保险。
We will insure these goods subject to ICC（A）.
我方将依照协会货物条款（A）投保这批货。
Please cover us on...请为我方投保……
Please cover us on WA including war risk terms for the amount of US2，500 at the rate you gave us by telephone yesterday.
请贵方按照昨天通过电话承诺的费率，为我方投保金额为2500美元，包括战争险在内的水渍险（单独海损赔偿险）。
Please cover us provisional insurance (open cover)， FPA on the goods for US500，000.
请以单独海损不赔条件，为本货物投保金额500 000美元的总括预定保险。
We should like to know if you can cover us the insurance of these goods AAR.
请告知我方，贵方能为我方的这些货物投保一切险。
Please cover us on our order under the new ICC(B) with the Loyd s underwriter.
请以劳埃德保险公司之名，为我方订购货物，按新协会货物条款（B）投保。
Please cover for us the following goods with... 请对下列货物投保……险
Please cover for us the following goods with transport insurance.
请对下列货物投保运输险。
Please cover for us the following goods with WPA.
请对下列货物投保水渍险（单独海损赔偿险）。
Please cover for us the following goods with FPA.
请对下列货物投保平安险。
Please cover for us the following goods with TPND.
请对下列货物投保偷窃提货不着险。
保险单样本：
INSUREDFROMTOPRE CONVEYANCE S.S.SLG.ON OR ABTPREMIUM AS ARRANGED
RATE AS ARRANGEDCLAIM PAYABLE ATINSURANCE POLICY
THE PEOPLE S INSURANCE COMPANY OF CHINA
HEAD OFFICE：BEIJING ESTABLISHED 1949
INSURANCE POLICY
THIS POLICY OF INSURANCE WITNESSES THAT THE PEOPLE S INSURANCE COMPANY OF CHINA （HEREAFTER CALLED “THE COMPANY”） AT THE REQUEST OF THE INSURED AND IN CONSIDERATION OF THE AGREED PREMIUM BEING PAID TO THE COMPANY BY THE INSURED， UNDERTAKES TO INSURE THE UNDERMETIONED GOODS IN TRANSPORTATION SUBJECT TO THE CONDITIONS OF THIS POLICY AS PER THE CLAUSES PRINTED OVERLEAF AND OTHER SPECIAL CLAUSES ATTACHED HEREOF.ISSUING PLACEISSUING DATEINVOICE NO.POLICY NO.MARKS & NOSDESCRIPTION OFGOODSQUANTITYAMOUNT INSUREDTOTAL AMOUNT INSUREDCONDITONS：
CLAIMS， IF ANY， PAYABLE ON SURRENDER OF THIS POLICY TOGETHER WITH OTHER RELEVANT DOCUMENT.
IN THE EVENT OF ACCIDENT WHEREBY LOSS OR DAMAGE MAY RESULT IN A CLAIM UNDER THIS POLICY， IMMEDIATE NOTICE APPLYING FOR SURVEY MUST BE GIVEN TO THE COMPANY S AGENT AS MENTIONED HEREUNDER.
THE PEOPLE S INSURANCE CO.OF CHINA
JILIN BRANCH保险单样本：
保险单
被保险人自至装载运输工具开航日期保费
费率赔款偿付地点中国人民保险公司
总公司设于北京1949年创立
保险单
中国人民保险公司（以下简称本公司）根据被保险的人要求，由被保险人向本公司缴付约定的保险费，按照本保险单承保险别和背后所载条款与下列条款承保下述货物运输保险，特立本保险单。签单地点签单日期发票号保险单号唛头保险货物描述数量保险金额总保险金额承保险别所保货物，如遇风险，本公司凭本保险单及期限有关证件给付赔款。
所保货物如发生保险单项下负责赔偿的损失或事故，应立即通知本公司下述代理人查勘。
中国人民保险公司吉林省分公司
要求投保函：
Dear Sirs，
Please cover for us the following goods with particular average for the sum of US14，650.
300 metric tons of rice
50 metric tons of maize
These goods are now lying at No.16dock， Hong Kong waiting to be shipped by S.S.“Red Star”， due to leave for Singapore on 14October.
We require immediate cover as far as Singapore and shall be glad if you let us have the policy as soon as it is ready.In the meantime please confirm that you hold the consignment covered.
Yours faithfully，
敬启者：
请对下列货物按14650 美元保额投保水渍险。
300 吨大米
50吨玉米
该货现位于香港第16号码头，等候于10月14日起航去新加坡的“红星”号货轮的装运。
我方要求将该货立即投保到新加坡，若贵方能在保险单准备好后，立即交给我方，我方将不胜感激。同时请确认承保上述货物。
保险买方回函：
Dear Sirs，
With reference to your letter of 20 September inquiring about the insurance on our CIF offer for air conditioners， We d like to provide the following information for your reference.
In general， we effect insurance with the People s Insurance Company of China against all risks.Should you require the insurance to be covered as per Insti tute Cargo Clauses， we would be glad to do accordingly.But if the premium of the latter is higher， you will have to bear the extra premium， for which we will draw on you a clean draft.Also， you can ask for additional risks such as TPND to be included， but the additional premium will be charged to your account.
This insurance amount is usually 110% of the total invoice value.However， if you want a higher percentage， we can comply but the extra premium is for your account as well.
We hope you will be satisfied with our explanation and await your decision， we remain.
Yours faithfully，
敬启者：
关于贵方9月20日来函问及我方所报的以到岸价为付款条件的空调的保险一事，在此向贵方提供以下信息以供参考。
一般来说，我方向中国人民保险公司投保一切险。如果贵方要求按协会货物条款投保，我方可以照办。不过如果后者的保险费比前者多的话，多出的
部分由贵方承担。到时，我方将开出光票向贵方收款。另外，贵方还可要求投保附加险，如偷窃提货不着险等，但额外的保险费由贵方承担。
保险金额通常为发票总额的110%。但如果贵方要求更高的保险额，我们也可照办，但费用仍由贵方承担。
希望贵方对我方的解释满意。恭候贵方的决定。
