下面列举了一些有关投保的英文表达：

1. Insure

定义：to protect yourself against risk by buying insurance from a company that will provide an agreed amount of money if a particular event happens, for example if you are killed or injured or if your possessions are damaged or stolen

短语：

insure sb./sth. against risks

insure sb. on sth.

insure sth. for insured amount

例句1：

(3) The Authority shall not authorize a company under this section unless the following conditions are satisfied— (Amended 12 of 2015 s. 2)

(b) that in the case of a company having a share capital, the aggregate of the amount paid up thereof and the amount of any subordinated loan stock of the company and the amount paid up in respect of any redeemable preference shares of the company is not less than—

(iii) if the company intends to carry on any class of insurance business (not being reinsurance business) relating to liabilities or risks in respect of which persons are required by any Ordinance to be insured, $20,000,000 or its equivalent; (Amended 35 of 1996 s. 4; 29 of 1997 s. 3)

(3) 除非符合下列条件，否则保监局不得根据本条向任何公司授权——(由2015年第12号第2条修订)

(b) 如属有股本公司，则其已缴足股本的数额、该公司的后偿债权股额数额，以及该公司已缴足股款的可赎回优先股的总和不少于以下数额——

(iii) 如该公司拟经营任何涉及法律责任或风险的保险业务类别(但并非再保险业务)，而该类法律责任或风险的投保人是因任何条例的规定而须投保的，则为$20,000,000或其同等数值；(由1996年第35号第4条修订；由1997年第29号第3条修订)

（香港《保险业条例》（第41章）第8(3)(b)(iii)条）

例句2：

原文：

Exports may be covered wherever the property may be without restriction as to time, provided the coverage of the issuing companies includes hazards of transportation. An export, as a proper subject of marine or transportation insurance, shall be deemed to acquire its character as such when designated or while being prepared for export and retain that character unless diverted for domestic trade, and when so diverted, the provisions of this article respecting domestic shipments shall apply, provided, however, that this provision shall not apply to long established methods of insuring certain commodities, e.g., cotton.

（10 CCR § 2321）

译文：

无论财产在何处，出口货物均可承保，不受时间限制，但前提是，出单公司的保险范围包括运输风险。出口货物，即海运或货运保险的适当标的，应被视为在指定或准备出口时获得其特性并保持该特性，除非改变用途用于国内贸易，且在转做国内贸易的情况下，应适用于本条有关国内运输的规定，但是，该规定不得适用于长期以来对某些货物（如棉花）采取的投保方式。

2. Cover

定义：to protect someone against loss, damage, accident, or having something stolen, by having insurance

短语：

cover sb./sth. against risks

cover the risks

cover sb. on sth.

cover insurance

例句1：

原文：

Imports on consignment may be covered wherever the property may be and without restriction as to time, provided the coverage of the issuing companies includes hazards of transportation. A shipment “on consignment” shall mean property consigned and entrusted to a factor or agent to be held in the care of the factor or agent, or under the control of the factor or agent for sale for account of another or for exhibit or trial or approval or auction, and if not disposed of, to be returned.

（10 CCR § 2321）

译文：

无论财产在何处，进口寄售货物均可承保，不受时间限制，但前提是，出单公司的保险范围包括运输风险。寄售货物系指向保理人或代理人寄送和托付且由保理人或代理人保管或控制用以代表他人出售或展示或试用或批准或拍卖的财产，且若该财产未进行处置，将予以退还。

例句2：

原文：

Insurance providers generally offer two types of property coverage for homeowners and businesses—named perils and "all risks." A named perils insurance contract only covers the perils stipulated explicitly in the policy.

For example, an insurance contract might specify that any home loss caused by fire or vandalism will be covered. Therefore, an insured who experiences a loss or damage caused by a flood cannot file a claim to his or her insurance provider, as a flood is not named as a peril under the insurance coverage. Under a named perils policy, the burden of proof is on the insured.

An all risks insurance contract covers the insured from all perils, except the ones specifically excluded from the list. Contrary to a named perils contract, an all risks policy does not name the risks covered, but instead, names the risks not covered. In so doing, any peril not named in the exclusions list is automatically covered.

译文：

保险公司通常会为房主和企业提供两类财产保险——指定风险保险和一切险。指定风险保险仅承保保单明确规定的风险。

比如，保险合同可能会规定，承保因火灾或故意破坏造成的任何房屋损失。因此，由于洪灾并未指定为承保范围内的风险，因洪水遭受损失或损害的被保险人不能向保险公司提出索赔。就指定风险保险而言，应由被保险人承担举证责任。

一切险承保被保险人除保单明确排除的风险之外的所有风险。与指定风险保险相反的是，一切险指定的并非承保风险，而是不承保的风险。这样一来，保险将自动承保未列于排除清单上的任何风险。

3. Take out a policy (on sb.)

例句：

原文：

No one else can take out a policy on you, unless you give them permission. The only exception is if you're married. Your spouse may insure you.

If you divorce or end a domestic partnership, your ex-spouse or partner cannot be your beneficiary unless:

A court mandates it.

You fill out a new beneficiary designation form listing them as your beneficiary.

译文：

除非获得您的授权，否则任何人不得为您投保。唯一的例外是，如果您已婚，您的配偶可为您投保。

如果您离婚了或结束同居关系，您的前任配偶或同居伙伴无法成为您的受益人，除非：

法院发布命令指定您的前任配偶或同居伙伴成为您的受益人。

您新填写的受益人指定表将您的前任配偶或同居伙伴列为您的受益人。

4. Arrange insurance

Cover insurance

Effect insurance

Provide insurance

Take out insurance

例句1：

原文：

Insurance companies have strict guidelines on whether they’ll issue life insurance policies on children.

In most cases, only birth or adoptive parents, or court-appointed legal guardians, can take out life insurance on children under age 17.

Children age 15 or older must sign any life insurance application someone takes out on them.

If another family member (such as a grandparent) wants to buy a policy for a child, they must first get written consent from the child’s parent or legal guardian.

译文：

保险公司针对是否为儿童签发人寿保险单指定了严格的指导方针。

在大多数情况下，只有亲生父母或养父母或法院指定的法定监护人可以为17岁以下儿童购买人寿保险。

15岁及以上儿童必须在他人为其购买的任何人寿保险投保单上签字。

如果其他家庭成员（如祖父/母）想要为孩子购买保险，其必须先获得孩子父母或法定监护人的书面同意。

例句2：

The Council recommends that claims against IOs for property damage in a multi-storey building should be brought under SLAS Part II. Adequate publicity and public education are needed so that the IOs are made fully aware of their potential liability and may thereby be encouraged to effect adequate insurance cover.

法援局建议，应把就多层大厦的财物损毁而向业主立案法团提出的申索纳入辅助计划第II部的范围内。当局需提供足够宣传和公众教育，使业主立案法团明白本身的潜在责任，并作出足够的投保。

来源：

Cambridge Dictionary；

Investopedia；

https://www.elegislation.gov.hk/hk/cap41!en-sc?INDEX_CS=N；

https://www.law.cornell.edu/regulations/california/10-CCR-2321；

https://www.insurance.wa.gov；

https://www.legco.gov.hk/yr10-11/chinese/panels/ajls/papers/aj1221cb2-570-1-c.pdf；

https://www.legco.gov.hk/yr10-11/english/panels/ajls/papers/aj1221cb2-570-1-e.pdf