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

　　W.P.A. stands for “With Particular Average”。WPA代表水渍险。

　　I'll have the goods covered against Free from Particular Average.我将为货物投保平安险。

　　I know that F.P.A insurance doesn't cover losses on consumer goods.我知道平安险不包括消费品的种种损失。

　　I don't think that the W.P.A insurance covers more risks than the F.P.A……我认为水渍险承保的范围并不比平安险的范围宽。

　　Free from Particular Average is good enough.只保平安险就可以了。

　　The goods are to be insured F.P.A.这批货需投保平安险。

　　What you've covered is Leakage.你所投保的是渗漏险。

　　Why don't you wish to cover Risk of Breakage？您为什么不想投保破碎险呢？

　　W.P.A coverage is too narrow for a shipment of this nature， please extend the coverage to include TPND.针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不成险。

　　Don't you wish to arrange for W.P.A. and additional coverage against Risk of Breakage？您不想保水渍险和附加破碎险吗？

　　Not every breakage is a particular average.并不是所有的破碎险都属于单独海损。

　　The coverage is W.P.A. plus Risk of Breakage.投保的险别为水渍险加破碎险。

　　An All Risks policy covers every sort of hazard， doesn't it？一份综合险保单保所有的险，是吗？

　　We'd like？ to cover the porcelain ware against All Risks.我们想为这批瓷器投保综合险。

　　Please insure the shipment for RMB5，000 against All Risks.请将这批货物投保综合险人民币5000元。

　　We've cover insurance on these goods for 10% above the invoice value against All Risks.我们已经将这些货物按发票金额加百分之十投保综合险。

　　An F.P.A. policy only covers you against total loss in the case of minor perils.平安险只有在发生较小危险时才给保全部损失险。

　　The F.P.A. doesn't cover partial loss of the nature of particular average.平安险不包括单独海损性质的部分损失。

　　A W.P.A. or W.A. policy covers you against partial loss in all cases.水渍险在任何情况下都给保部分损失险。

　　You'll cover SRCC risks， won't you？你们要保罢工、暴动、民变险，是吗？

　　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.按照我们的惯例，只保基本险，按发票金额110%投保。如果要加保其它险别，例如破碎险、渗漏险、盗窃遗失险、钩损和污染险等，额外保险费由买方负担。

　　Generally speaking， aviation insurance is much cheaper than marine insurance.空运保险一般要比海运保险便宜。

　　Then “all marine risks” means less than “all risks”。那么，“一切海洋运输货物险”意味着比“一切险”范围小一些。

　　In the insurance business， the term “average” simply means “loss” in most cases.在保险业中“average”一词一般是“海损”的意思。

　　Are there any other clauses in marine policies？海运险还包括其它条款吗？

　　Breakage is a particular average， isn't it？破碎险属于一种单独海损，对吗？

　　the risk of breakage is covered by marine insurance， isn't it？破碎险是包括在海洋运输货物险之内的，对吗？

　　The English understood by “marine risks” only risks incident to transport by sea.英国人对“海洋运输货物险”只理解为海洋中的意外风险。

　　Generally， the term “all marine risks” is liable to be misinterpreted and its use should be avoided in L/C.一般地，“一切海洋运输货物险”容易被误解，应该避免在信用证中使用。