-- 很有意思。我得承认，以往我总认为投保了“水渍险”就够了； 而且以为破碎引起的种种损失也包括在内。我知道“平安险”并 不包括消费品的种种损失，但我确实以 为“水渍险”比“平安 险”承保的范围更大。

-- 确实是这样。“水渍险”与“平安险”是有些不同。“平安险”条款 不包括单独海损性质的部分损失，而“水渍险”条款当超过事先

 商定的百分比时，则包括此类损失。这是“水渍险”与“平安险”唯一不同之处。除此之外，“平安险”条款所承保的责任与 “水渍险”条款所承保的责任差不多相同。因为万一在运输途中遭遇海上意外事故，诸如搁浅、着火、爆炸或碰撞，这两种条款都全部赔偿单独海损的损失。

W: I don’t mean to annoy you, Mr. Jordan, but I don’t quite grasp this. Couldn’t you say it in simpler terms?

J: I’ll try. Neither the W.P.A. nor the F.P.A. mentions the risks covered or the risks excluded. The extent of in sur ance is stipulated in the basic policy form and in the various risks clauses. Look at the in sur ance certificates and you will find that the risks of theft and pilferage, freshwater, oil, grease, hooks, breakage, leakage, contamination, deterioration, etc. are specifically mentioned and must be specifically applied for. These are special risks. F.P.A. stands for free of Particular Average?while W. P. A. or W.A. stands for With Particular Average?

W: Mr. Jordan, I must say that you have corrected my ideas about the insurance. I see now that this is far more complicated than I had imagined.

B: Now I know why you often point out to us the wording of some letter of credit which you don’t feel happy about. But what are we to do about it? We must keep to the stipulations of the contract and the letter of credit.

-- 乔丹先生，我并不想让你生气，但是我还是不太懂。你能否说得 简单一点？

-- 我试试看。无论“水渍险”还是“平安险”都不注明包括哪些险别 或者不包括哪些险别。 保险范围是写在基本保险单内和各种险别条 款里。你看保险凭证就会发现偷窃险、淡水险、油渍险、油污险、 钩损险、破碎险、渗漏险、沾污险、变质险等都特加注明，并且必

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