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Discussing Insurance
讨论保险
Situation 情境描述
Joanna Wood is talking to David about the insurance of a product order.
乔安娜·伍德正在和大卫讨论一个产品订单的保险事宜。
Dialogue 对话
Joanna: Hi, this is Joanna Wood. I'm calling to discuss the level of insurance coverage you requested for your order.
David: I believe that we requested an amount twenty-five percent above the invoice value.
Joanna: Yes, that's right. We have no problem complying with your request, but we think that the amount is a bit excessive.
David: Yeah, but in the past, we've really been put in a bind because of damaged goods.
Joanna: I understand your concern. However, usual coverage for goods of this type is the total invoice amount plus only ten percent.
David: We could feel more comfortable, though, with twenty-five percent.
Joanna: Unfortunately, we will have to charge you extra if you want the increase in coverage.
David: But wasn't insurance included in the quote?
Joanna: That quote involved normal coverage. We can, however, arrange the extra coverage. But I suggest you contact your insurance agent there and compare rates.
David: OK. Thanks. I'll check it out. It may turn out to be cheaper on this end.
乔安娜： 嗨，我是乔安娜·伍德。我打电话来是想商讨一下你们所要求的订单承保级别。
大卫： 我想我们要求的是超过发票面额25%的额度。
乔安娜：是的，没错。我们可以配合你们的要求，但是我们觉得金额大了点儿。
大卫： 是的，但过去我们确曾因受损货物而遇上麻烦。
乔安娜：我理解你们的担忧。然而，这类货物的通常承保额只是发票面额再加10%。
大卫： 不过，要是25%的话，我们会比较安心。
乔安娜：不好意思，如果你们想增加保额，我们就不得不向你们加收费用了。
大卫： 但保险不是已经包含在报价里面了吗？
乔安娜：那份报价包含的是一般的保额。不过，超出的保额我们也可以搞定。但我建议您联络一下你们的保险代理人，比较一下费用。
大卫： 好。谢谢。我会去问问的。结果可能是我们这边比较便宜。
LINK
“保险”其实是一个备援计划，毕竟意外（accident）或不测（eventuality）谁也预料不到，通过保险可以让损失减至最低。不过，保险毕竟还是一项支出，因此相关人员必须衡量出适当的承保范围、保险额度以及是否全额给付（full settlement）。以下列出一些与保险有关的词汇：
insurance coverage 保险额度
burglary insurance 盗窃险
transportation insurance 运输险
valuation 估价
indemnity 赔偿
Notes:
1. comply with 依照；顺从
comply /k9m`plai/ vi.顺从；服从
“comply with (something)”是指“按（某种要求、指令）去做”。
The factory was unable to comply with our instructions.
这家工厂没能按照我们的要求去做。
2. in a bind 陷入困境
口语中，“bind”可作“困扰”解，所以“in a bind”意为“陷入困境”，亦可用“in a jam”替换。
When the baby-sitter cancelled this afternoon, she really put me in a bind.
临时保姆取消了今天下午的约定，她真把我给害苦了。
3. turn out 结果是……
这个短语是指“最后结果变成……；最后证明为……”。口语中常说“turn out all right”，意思是“结局圆满”。
It turns out that Tim got the highest exam grade.
结果蒂姆考了最高分。
4. on this end 我们这边
“end”在此是指“端；边”，商用英文中常以“on this end”或“on our end”来表示“我方；我们这边”。
There's no new information to report on this end. What about on your end?
我们这边没有什么新消息。你们那边呢？
[责编：朱静]
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