the risk of breakage is included. The inclusion of this special risk will be subject to an additional premium that will normally be higher than the basic insurance for the ordinary marine risks. The rate for such risk will vary accord- ing to the kind of commodity, or, as in ceramics, according to the fragility of the goods. I think you must know all about that.

A: Well, I have heard something about it but I can’t say that it is very clear to me. I must admit I’m a layman as far as insurance is concerned.

J: Then let me explain this insurance.

B: Mrs. Wang, would you care for a cup of tea? Or some coffee?

 A: Thank you. A cup of tea would be nice. And now, let me hear more about the problem of insurance.

-- 但破碎险是包括在海洋运输货物险之内，对不对？

-- 当然，可是按照通常惯例要在保险单或保险凭证上特别注明破碎 险包括在内。包括这种特别险就必须附加保险费。这种保险费一 般要比通常的海洋运输货物险的基本险高。这类险别的保险费率 将根据货物种类，比如陶瓷器，根据货物的易脆性而有所不同。我想这些你应该都知道。

-- 哦，我听说过一些，但我不能说很清楚。我得承认，就保险而言，我是个外行。

-- 那我来解释一下这种保险吧。

-- 王小姐，想喝杯茶呢还是咖啡？

-- 谢谢，来杯茶倒挺好的。现在，我还想再听听关于保险的问题。

Dialogue 2

W: Do I understand that All Marine Risks means less than All Risks?

J: The English understand by marine risks?only risks incident to transport by sea, such as collision, stranding, fire, pen e tra tion of sea water into the holds of the ships, etc. In other words, under ?all marine risks? recoverable loss will only be con fined to those arising from perils of the sea and maritime accidents only. The all risks?coverage will admit all losses occurring at any time throughout the whole currency of the coverage, irrespective of whether they are caused by accidents at sea or on land. In t

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