在保险专业英语中不仅有大量的具有保险专门意义的特殊词汇，而且由于规定保险人、被保险人权利和义务的法律、合同、条款等保险文献所表述的内容必须准确、严密、客观和规范，不允许丝毫的引申、推理；也不需要抒发和表达情感，因而在保险英语中又形成了许多特有的句法结构特点。

1.陈述句的使用

根据句子使用目的的不同，英语句子可以分为：陈述句、疑问句、祈使句和感叹句四大类。保险文献有许多是用来描述法律关系，制定合同条款，规定人们的权利和义务以及陈述案件事实的专用公文，所以保险英语的基本句式通常是陈述句结构：

The primary function of insurance is to act as a risk transfer mechanism.

保险最基本的职能就是充当风险的转移机制。

The subject-matter of insurance can be any form of property, or an event that may result in the loss of a legal right or the creation of a legal liability.

保险标的可以是财产的任何形式，或者是一个能够导致法律权利丧失或法律责任产生的事件。

In all classes of insurance, proposer must disclose previous loss experience and all the facts which he could be reasonably expected to know.

在所有的保险种类中，投保人必须公开以前的损失经历和保险人有理由希望了解的所有事实。

2.Where在保险英语中的特殊用法

在保险英语中，where 经常引导状语从句，但它不是引导地点状语或者表示转折，而可译为“当……时候”“在……时”“如果……”，它说明的是事物的状况，但又不能完全等同于表时间的when或表条件的if，应理解为“in the or a case/situation respect in which”。如：

Where a principal has insurable interest, his agent can effect insurance on his behalf.

如果委托人有可保利益，他的代理人可以代表他购买保险。

Where the sum payable is expressed in words and also in figures, and there is a discrepancy between the two, the sum denoted by the words is the amount payable.

如应付金额同时用大小写表示而两者有差异时，应以大写所表示的金额为准。

Where the issue is between death by accident and death from natural causes, there is no presumption in favor of accidental death.

在判断是意外死亡还是自然死亡的问题上，赞成意外死亡时，不能以假定来决定。

Where an exclusion clause is ambiguous, the contra proferentem rule will apply and it will be construed against the insurer.

如果排外责任条款模棱两可，则将使用对方优先原则，从而做出不利于保险人的解释。

3.综合复杂句的使用

在保险英语中，经常出现由状语分句和关系分句以及其他一些分句构成的综合复杂句，以达到准确、严密和不产生歧义的目的。

This may or may not be true, but what can be said with more certainty is that, because insurance is involved, the insured will have access to all the expertise available from insurers, which may improve the risk and thus assist in protecting people.

这种说法有对的一面，也有不对的一面，更确切的说法应该是，一旦保了险，被保险人将接触到来自保险人的所有专业知识，运用这类知识可以减轻风险，从而有助于保护人民。

在本句的but分句中有主语分句、表语分句，表语分句中又有状语分句和which引导的定语从句，增加了该句子的复杂性，反映了保险英语句子结构步步为营、层次分明的特点，从而达到了表述严谨，语意严密的效果。

4.“It follows that...”结构

在保险英语中，为了体现原理和理论的客观，常常采用“It follows that...”结构。(www.daowen.com)

It follows that life contracts are not subject to the doctrine or subrogation as they are not contracts of indemnity.

由此可以推论，寿险合同不受代位追偿原则限制，因为他们不是补偿合同。

It follows that where the parties contract face-to-face, the agreement is unlikely to be void for mistake as to identify.

由此可以推论，当双方面对面订立合同时，此协议不太可能因辨别身份造成的错误而无效。

It follows that the agent binds the principal by the contract，without being personally bound by it.

由此可以推论，代理人可以通过合同来约束委托人，而代理人本人不受合同的约束。

5.被动结构的使用及其特殊含义

在保险英语中，被动结构的使用是非常频繁的，而且有的被动结构形式有时具有特定的含义，如“it was held that...”在叙述、分析案例中，通常可以理解为“法庭认为，法庭做出裁决”，了解这一现象对阅读、理解保险英语文章是有帮助的。

There was a case in which settlement had been made?￡72,000 by the insurers, but due to the lapse of time between the claim payment and the recovery from the third party, and due to the fact that the pound sterling had been devalued in the interval, the insurer actually recovered?￡127,000.It was held that the insurers were only entitled to keep?￡72,000.

有这样一个案例，保险人支付了72 000英镑的赔偿金。但由于保险人支付的赔款和向第三方追偿存在的时间差，以及英镑在此期间的贬值，保险人实际上获得了 127 000英镑。根据判决，仅仅有权获得72 000英镑。

In the case of Geismar v.Sun Alliance(1977).The plaintiff smuggled items of jewellery into UK without declaring them and paying the excise duty.This made them liable to forfeiture.The items were subsequently stolen.It was held that the plaintiff could not recover under his insurance, as this would allow him to profit from his criminal act.

在盖斯曼诉太阳联合保险公司一案中（1977），原告走私珠宝进入英国，没有报关，没有交纳所需的关税。据此可以没收这些珠宝。后来这些珠宝被偷。法庭做出裁决，原告不能得到保险赔偿，因为给予赔偿会使他从犯罪行为中获利。

当然，并非所有语境中的“it was held that...”都可译为“法庭认为，法庭做出裁决”，还应视其情况而进行理解和翻译，如：

In life insurance, it was held that the proposer for a life policy was under a duty to examine it when it was sent to her, and retaining the policy for seven months without objection could be a sufficient act of acceptance of the insurer’s offer.

在人寿保险中，按规定，投保人有责任在保单交付她时，对保单进行查验。如果她保留保单七天而不提出反对意见时，则被视为对这份寿险要约的承诺。

被动句在保险英语中的大量使用是保险英语句法结构的一大特点，是实现所述内容客观性的重要手段，其实例不胜枚举，在翻译这类句子时，应采取灵活的方式。下面在举几例：

It is usually stipulated that proof is to be satisfactory to the insurer, which means that reasonably satisfactory proof will be sufficient.

通常规定，证据应该使保险人满意，也就是说应该有充足的令人相当满意的证据。

It is not suggested that insurance alone keeps people in jobs, but it does play a significant role in ensuring that there are not unnecessary economic hardships.

这并不意味着单靠保险就能使人们保住工作，但它确实在保证免受不必要的经济困难方面起着重要的作用。

The vast majority of claims are settled to the satisfaction of insureds, with very few resulting in any real degree of dispute.

大多数索赔案件处理得令被保险人满意，很少有索赔产生真正的争议。

Because of the link between subrogation and indemnity, an insurer is not entitled to recover more than he has paid out.

由于代位追偿和赔偿有密切的联系，所以，保险人无权获得比支付的赔偿金额还要高的索赔金。