F.P.A. stands for “Free from Particular Average”。FPA代表平安險。

　　W.P.A. stands for “With Particular Average”。WPA代表水漬險。

　　I'll have the goods covered against Free from Particular Average.我將為貨物投保平安險。

　　I know that F.P.A insurance doesn't cover losses on consumer goods.我知道平安險不包括消費品的種種損失。

　　I don't think that the W.P.A insurance covers more risks than the F.P.A……我認為水漬險承保的范圍并不比平安險的范圍寬。

　　Free from Particular Average is good enough.只保平安險就可以了。

　　The goods are to be insured F.P.A.這批貨需投保平安險。

　　What you've covered is Leakage.你所投保的是滲漏險。

　　Why don't you wish to cover Risk of Breakage？您為什么不想投保破碎險呢？

　　W.P.A coverage is too narrow for a shipment of this nature， please extend the coverage to include TPND.針對這種性質的貨物只保水漬險是不夠的，請加保偷盜提貨不成險。

　　Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage？您不想保水漬險和附加破碎險嗎？

　　Not every breakage is a particular average.并不是所有的破碎險都屬于單獨海損。

　　The coverage is W.P.A. plus Risk of Breakage.投保的險別為水漬險加破碎險。

　　An All Risks policy covers every sort of hazard， doesn't it？一份綜合險保單保所有的險，是嗎？

　　We'd like？ to cover the porcelain ware against All Risks.我們想為這批瓷器投保綜合險。

　　Please insure the shipment for RMB5，000 against All Risks.請將這批貨物投保綜合險人民幣5000元。

　　We've cover insurance on these goods for 10% above the invoice value against All Risks.我們已經將這些貨物按發票金額加百分之十投保綜合險。

　　An F.P.A. policy only covers you against total loss in the case of minor perils.平安險只有在發生較小危險時才給保全部損失險。

　　The F.P.A. doesn't cover partial loss of the nature of particular average.平安險不包括單獨海損性質的部分損失。

　　A W.P.A. or W.A. policy covers you against partial loss in all cases.水漬險在任何情況下都給保部分損失險。

　　You'll cover SRCC risks， won't you？你們要保罷工、暴動、民變險，是嗎？

　　As our usual practice， insurance covers basic risks only， at 110 percent of the invoice value. If coverage against other risks is required， such as breakage， leakage， TPND， hook and contamination damages， the extra premium involved would be for the buyer's account.按照我們的慣例，只保基本險，按發票金額110%投保。如果要加保其它險別，例如破碎險、滲漏險、盜竊遺失險、鉤損和污染險等，額外保險費由買方負擔。

　　Generally speaking， aviation insurance is much cheaper than marine insurance.空運保險一般要比海運保險便宜。

　　Then “all marine risks” means less than “all risks”。那么，“一切海洋運輸貨物險”意味著比“一切險”范圍小一些。

　　In the insurance business， the term “average” simply means “loss” in most cases.在保險業中“average”一詞一般是“海損”的意思。

　　Are there any other clauses in marine policies？海運險還包括其它條款嗎？

　　Breakage is a particular average， isn't it？破碎險屬于一種單獨海損，對嗎？

　　the risk of breakage is covered by marine insurance， isn't it？破碎險是包括在海洋運輸貨物險之內的，對嗎？

　　The English understood by “marine risks” only risks incident to transport by sea.英國人對“海洋運輸貨物險”只理解為海洋中的意外風險。

　　Generally， the term “all marine risks” is liable to be misinterpreted and its use should be avoided in L/C.一般地，“一切海洋運輸貨物險”容易被誤解，應該避免在信用證中使用。