银符考试题库-在线练习-国际货运代理资格考试专业英语分类模拟题15

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国际货运代理资格考试专业英语分类模拟题15

一、单项选择题
以下各小题所给出的4个选项中，只有1项最符合题目要求。

1. A contract of marine insurance is a contract based upon the ______, and, if it can not observed by either party, the contract may be avoided by the other party.

A.insurable interest
B.indemnity
C.utmost good faith
D.proximate

A B C D

[解析] 海上保险合同是建立在最大诚信(utmost good faith)基础之上的合同，如果合同任何一方不遵守最大诚信，另一方可以使合同无效。

2. The contract between a party who agrees to accept the risk and a party seeking protection from the risk is a contract of ______.

A.shipment
B.insurance
C.production
D.payment

A B C D

[解析] 保险是以契约形式确立双方经济关系，以缴纳保险费建立起来的保险基金，对保险合同规定范围内的灾害事故所造成的损失，进行经济补偿或给付的一种经济形式。保险合同中的保险人同意承担货物风险，而被保险人正好要愿意承担风险的人。

3. Cargo Insurance is a contract of ______, that is, to compensate for the loss of damage in terms of the value of the insured goods.

A.indemnity
B.bidirectional
C.mutual
D.negotiatory

A B C D

[解析] 货物保险是一种补偿合同(a contract of indemnity)，即按照被保险货物的价值对它的损失进行赔偿。

4. ______ is described in the policy as fortuitous partial loss, that is, loss of goods that have suffered from accident or mishap during transportation, either partially or totally.

A.General Average
B.Free From Particular Average
C.With Average
D.Particular Average

A B C D

[解析] 单独海损(Particular Average)是指保险标的物遭受海损后，其损失未达到全损程度，而且是由受损方单独承担的部分损失，并不涉及其他方。

5. The necessary jettisoning of cargo to refloat a stranded vessel may be defined as ______.

A.General Average
B.Risks of Breakage
C.War Risks
D.Particular Average

A B C D

[解析] 共同海损(General Average)是指当船、货及其他利益方处于共同危险时，为了共同的安全而由船长人为地采取合理的措施所引起的特殊牺牲和额外的费用，这种损失则由受益各方按其财产价值进行分摊。

6. The minimum amount insured should be the CIF value of the goods plus ______.

A.10%
B.20%
C.30%
D.40%

A B C D

[解析] 按照国际惯例，最低投保金额应该是货物的CIF或者CIP价格再加10%。

7. The person who enters into a insurance contract with insurer is called ______.

A.policy holder
B.the assured
C.underwriter
D.broker

A B C D

[解析] 投保人(policy holder)即对保险标的具有保险利益，同保险人(insurer)签订保险合同并缴纳保险费的人。B项被保险人(the assured)是受保险合同保障的人，即有权按照保险合同向保险人取得赔款或期满给付的人。

8. Insurance policy is an evidence of insurance contract issued by the insurer or underwriter to ______.

A.the importer
B.the exporter
C.the insured
D.the carrier

A B C D

[解析] 保险单是由保险人或者保险商签发给被保险人(the insured)的保险合同凭证，规定了合同每一方的权利和责任。

9. ______ is more suitable for bulk cargo or unpacked cargo such as logs, steel bars, pipes, etc.

A.WPA
B.War Risks
C.FPA
D.Risk of Rust

A B C D

[解析] 海洋运输诸如原木、钢筋、钢管等大宗散装或裸装货物时，投保最低险别即平安险即可。A项水渍险的承保责任范围比平安险大，其投保费用也比平安险高；B项战争险和D项锈损险不属于基本险别，不能单独投保。

10. Under FPA, no partial loss or damage is recoverable from the insurer resulting from natural calamities, such as heavy weather, lightening, ______, earthquake and flood.

A.tsunami
B.ship collision
C.salvage charges
D.general average

A B C D

[解析] 投保平安险时，由于恶劣天气、雷电、海啸(tsunami)、地震、洪水等自然灾害造成的部分损失，保险公司不予以赔偿。投保平安险，对于由B项船舶碰撞、C项救助费用和D项共同海损造成的损失均可获得赔偿。

11. Basically, no partial losses or damage is recoverable from the insurers in ______.

A.FPA
B.WPA
C.All Risks
D.SRCC

A B C D

[解析] 一般而言，投保平安险，保险公司对被保险货物的部分损失不负责。

12. FPA provides a more limited cover than WPA, since it does not include ______ losses and damages.

A.total
B.intentional
C.partial
D.accidental

A B C D

[解析] 水渍险的责任范围包括了平安险的全部责任，同时扩大了平安险责任范围，即水渍险对自然灾害造成的部分损失也予负责。

13. Which of the following risks is not covered in FPA coverage?______

A.Civil War
B.Collision
C.General Average
D.Sinking of the Vessel

A B C D

[解析] 由于运输工具遭遇搁浅、触礁、沉没、互撞、与流水或其他物体碰撞以及失火、爆炸等意外事故造成被保险货物的全损或部分损失以及共同海损造成的损失都属于平安险的承保范围。A项战争险(Civil War)为特殊附加险，不属于平安险的承保范围。

14. FPA ______ contribution to General Average.

A.including
B.includes
C.excluding
D.excludes

A B C D

[解析] 平安险英文为free from particular average，即不承保单独海损(Particular Average)，但承保共同海损(General Average)。

15. WPA is one of the ______.

A.special additional risks
B.general additional risks
C.additional risks
D.basic risks

A B C D

[解析] 我国海洋货物运输保险条款包括三种基本险别：即平安险(Free from Particular Average，FPA)、水渍险(With Particular Average，WPA)和一切险(All Risks)。

16. ______ coverage is the most widely used in the transport of marine cargo because it provides better coverage than WPA type.

A.FPA
B.ALL RISKS
C.Institute Cargo Clauses A
D.WAR RISK

A B C D

[解析] 一切险是普通货物运输中最广泛使用的一个险别，除了平安险和水渍险的责任外，还包括保险标的在运输途中由于外来原因所造成的所有损失(包括全部损失和部分损失)。

17. Which of the following risks is not covered in All Risks coverage?______

A.Natural calamities
B.Fire
C.Strike
D.Collision

A B C D

[解析] 一切险的责任范围除包括“平安险”和“水渍险”的所有责任外，还包括货物在运输过程中因一般外来原因所造成的被保险货物的全部或部分损失，但不承保由于特殊附加险造成的损失。C项罢工险(Strikes Risk)属于特殊附加险，不在一切险的承保范围内。

18. Special extraneous risks include War and Strikes, Riots and ______.

A.Total Loss
B.Partial Loss
C.General Average
D.Civil Commotions

A B C D

[解析] 特殊附加险(Special Extraneous Risks)是指承保由于军事、政治、国家政策法令以及行政措施等特殊外来原因所引起的风险与损失的险别。特殊附加险的种类主要包括：战争险(War Risk)、罢工险(Strike Risk)和民变险(Civil Commotions)等。A项全部损失、B项部分损失和C项共同海损都为海上货物运输损失的类型，而不属于特殊附加险。

19. War risks differ WPA in that it is a ______.

A.General Risk
B.Special Additional Risk
C.Basic Risk
D.General Additional Risk

A B C D

[解析] 战争险(War Risks)与水渍险(WPA)最大的区别是战争险是特殊附加险(Special Additional Risk)，不能单独承保；水渍险是基本险别(basic risk)，可以单独承保。

二、判断题

1. The marine cargo insurance is based on the principle of insurable interest, utmost good faith, proximate cause and indemnity.

对错

[解析] 保险利益原则、最大诚信原则、近因原则和赔偿原则，这些都是海上保险的基本原则。

2. Insurance is essentially a contract between two parties, namely the insurer and insured, like the consignor and consignee.

对错

3. The term cargo insurance only applies to marine transportation.

对错

[解析] 货物保险(cargo insurance)适用于各种运输方式，而不仅限于海上运输。

4. Cargo insurance contract is not a contract of indemnity.

对错

[解析] 货物保险合同是指货物的托运人向承运人交运货物时，向保险人支付保险费，在被保险货物发生保险合同约定损失时，由保险人负责赔偿损失的保险合同，是一种赔偿性质的合同。

5. Cargo insurance is a contract of indemnity, that is, to compensate for the loss or damage in terms of the value of the insured goods.

对错

6. General average and salvage charges are covered both in FPA and WPA coverage.

对错

[解析] 共同海损(General Average)是指当船、货及其他利益方处于共同危险时，为了共同的安全而由船长人为地采取合理的措施所引起的特殊牺牲和额外的费用。救助费用(Salvage Charge)是指海上保险财产在遭遇承保范围内的灾害事故时，由保险人和被保险人以外的第三者采取救助措施并获成功，由被救方付给救助方的一种报酬。共同海损和救助费用都在平安险和水渍险的承保范围内。

7. The general guiding rate of the insurance premium is 1% of the amount insured.

对错

8. The currency of the amount insured should comply with that of the L/C.

对错

[解析] 保险金额(amount insured)按照合同和信用证上的要求填制，至少是货物的CIF或CIP价的110%。

9. Insurance policy is an evidence of insurance contract issued by the insurer to the underwriters.

对错

[解析] 保险单是由保险人(the insurer)或者保险商(the underwriters)签发给被保险人(the assured)的保险合同凭证，规定了合同每一方的权利和责任。

10. Insurance policy or certificate and endorsement are the main ones used in daily marine cargo insurance business.

对错

[解析] 在实际海运货物保险业务中，常用的保险合同证明文件有保险单(insurance policy)、保险凭证(certificate)和批单(endorsement)。

11. FPA is more suitable for bulk cargo, like logs, steel bars, pipes.

对错

[解析] 平安险FPA是三种基本险别中承保责任范围最小的一种，它适合于价值较低的、散装货物。

12. FPA coverage includes total losses resulting from the marine perils.

对错

[解析] 海上危险造成的全部海损属于平安险承保的责任范围。

13. General average and salvage charges are covered both in FPA and WA coverage.

对错

[解析] 在海上货物运输保险平安险(FPA)和水渍险(WA)条款中，保险人的承保范围都包括共同海损和救助费用。

14. All Risks provide coverage of War.

对错

[解析] 战争险(war risk)属于特殊附加险，不包含在一切险的承保责任范围内，需单独投保。

15. All Risks coverage provides insurance against all risks of loss of or damage to the cargo insured except for those damages or losses which are due to delay or inherent vice.

对错

[解析] 由于运输延迟或货物内在固有缺陷等造成的损失，不属于一切险的承保责任范围。

16. All Risks are the most comprehensive type of cover because it covers all kinds of risks.

对错

[解析] 一切险(All Risks)并不是承保一切险别，只是在水渍险基础上包含了11种一般附加险，战争险等特殊附加险仍然不在一切险的承保范围内。

17. The All Risks of PICC Ocean Marine Cargo Clause does not cover risks of war and special additional risks but cover the general additional risks.

对错

[解析] 在海上货物运输保险一切险条款中，保险人的承保范围不包括战争险和特别附加险，但包括一般附加险。

18. War risks are applicable while the goods are in transit by sea or air but not at any time while on the land.

对错

[解析] 战争险的保险责任的起讫仅限于水上或空中，不适用于“仓至仓”条款。

19. War risks should be added to the main insurance cover.

对错

[解析] 在我国，平安险，水渍险和一切险是三个基本险，除了基本险以外还有一般附加险和特殊附加险。特殊附加险不能单独投保，只有在投保了基本险的情况下再加保特殊附加险。战争险属于特殊附加险，故只能在投保了基本险的基础上投保。

20. ICC(C) does not cover risks of war, strike, hut covers loss of or damage to cargo caused by sinking.

对错

[解析] ICC(C)险是承保范围最小的一个险别，并且采用列明风险的方式，它承保保险标的物因以下原因造成的灭失或损坏：①火灾或爆炸；②船舶或驳船搁浅、坐浅触礁、沉没或倾覆；③陆上运输工具倾覆或出轨；④船舶、驳船或运输工具与水以外的任何外界物体碰撞；⑤在避难港卸货；⑥共同海损牺牲；⑦抛货。

21. Risks like strike, is covered by the ICC(A) coverage of ICC Ocean Marine Cargo Clauses.

对错

[解析] ICC共有六种险别：①协会货物条款(A)；②协会货物条款(B)；③协会货物条款(C)；④协会战争险条款(货物)；⑤协会罢工险条款(货物)；⑥恶意损害险条款。罢工属于协会罢工险承保范围内，而不属于ICC(A)承保范围。

22. ICC(C) provides the widest cover and is generally summed up as "all risks" of loss of or damage to the insured cargo with certain specified exceptions.

对错

[解析] ICC(C)即协会货物条款(C)，是承保范围最小的协会货物条款，它大概相当于平安险(FPA)的承保范围；ICC(A)条款的承保范围最大，它大概相当于一切险的承保范围。

23. Among Institute Cargo Clause A, B, and C, Institute Cargo Clause(C) is the most restricted coverage and covers stranding, grounding, or sinking; derailment of land conveyance; jettison.

对错

[解析] ICC(C)的承保范围较ICC(A)和ICC(B)都小得多，它仅承保“重大意外事故”造成的风险，而不承保自然灾害及非重大意外事故造成的风险。

24. There is no difference between ICC and PICC clauses.

对错

[解析] ICC条款和PICC条款两者有一定的相似性，也存在不同之处。比如，战争险和罢工险，在ICC条款下必要时也可以作为独立的险别投保；但是在PICC条款下不能单独投保。

25. The port of shipment is taken as the place for setting claims.

对错

[解析] 货物一般都是在运到目的地之后，根据损失情况进行索赔。所以索赔地点为目的港或者卸货港，而不是装运港。

26. It is unnecessary for freight forwarder to advise his clients to insure their cargo or to check with them if he is not instructed.

对错

[解析] 即使货运代理人没有被要求协助货主办理保险，货运代理人也应该尽力协助货主办理保险，以向客户提供更加完善的服务。

一、单项选择题

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二、判断题

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