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New Practical English 3 （ Second Edition ）

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Lead-in

1. What do you know about insurance?

2. Could you name some types of insurance?

As evidence of a contract between the insurer and the insured, an insurance policy is a basic document describing the terms, coverage, and premiums.

* 剑桥英语之商务英语保险.flv


DialogueDialogue11

DialogueDialogue11

DialogueDialogue22

DialogueDialogue22

Type of Insurance Suggested Type of Insurance Suggested

Coverage of Risk of Coverage of Risk of Breakage Breakage


Sample 1Sample 1Sample 1Sample 1

Type of Insurance SuggestedType of Insurance Suggested

Mr. Baker: Now you’ve quoted a C.I.F. Shanghai price for my order. What kind of

policy are you going to take out? Miss Lee: Well, obviously you won’t want the All Risks cover.Mr. Baker: Why not? Miss Lee: Because the usual coverage for your order is FPA. Mr. Baker: Then am I right in understanding

that FPA does not cover the partial

loss?

Click here to listen



Miss Lee: That’s right. Since your consignment is steel plates, an FPA is good eno

ugh.Mr. Baker: But what if I want them to be covered

with WPA? Miss Lee: You have to pay the extra premium.Mr. Baker: Well, I’ll accept FPA.

Type of Insurance SuggestedType of Insurance Suggested



Mr. Brown: What coverage will you take out for the goods I’ve ordered?

Ms. Zhang: Did we conclude the business on a CIF basis?

Mr. Brown: Yes, that’s right.Ms. Zhang: Then we’ll only insure WPA.Mr. Brown: Could you cover the Risk of Breakage

for us? You know, vases are delicate goods.

Coverage of Risk of BreakageCoverage of Risk of Breakage Click here to listen



Ms. Zhang: Risk of Breakage is classified under extraneous risks. But if it is

requested, we can cover the Risk of Breakage for you.

Mr. Brown: Who will pay the premium for it?Ms. Zhang: The additional premium is for the buyer’s

account. That’s for your account.Mr. Brown: I see. Please arrange it.

Coverage of Risk of BreakageCoverage of Risk of Breakage


Here is a group of short dialogues. Follow the examples and make more conversations with your partner. Here is a group of short dialogues. Follow the examples and make more conversations with your partner.

A: You look puzzled. Can I help you?A: You look puzzled. Can I help you?B: Well, what does “average” mean in the insurance busiB: Well, what does “average” mean in the insurance busi

ness?ness?A: The term “average” simply means “loss at sea” in moA: The term “average” simply means “loss at sea” in mo

st cases. It all goes back to the situation where a ship’st cases. It all goes back to the situation where a ship’s in danger, and someone’s cargo has to be jettisoned.s in danger, and someone’s cargo has to be jettisoned.

B: But whose should be jettisoned?B: But whose should be jettisoned?A: The captain has to make a decision, and one of the shiA: The captain has to make a decision, and one of the shi

ppers will suffer. To cover this situation the concept of ppers will suffer. To cover this situation the concept of general averagegeneral average （共同海损）（共同海损） was introduced.was introduced.

B: Oh, I see.B: Oh, I see. Task: Get some insurance information from your partner.

LetLet’’s Talk. s Talk. LetLet’’s Talk. s Talk.




A: I’ve decided to buy life insurance, but I don’t kA: I’ve decided to buy life insurance, but I don’t know what to buy for myself.now what to buy for myself.

B: Can you give me more details about yourself?B: Can you give me more details about yourself?A: I am 27 years old, …A: I am 27 years old, …B: Well, at a younger age, termB: Well, at a younger age, term （定期）（定期） life insulife insu

rance premium rates are relatively low, so a sizrance premium rates are relatively low, so a sizable amount can be bought with a modest sum.able amount can be bought with a modest sum. In your case, you can buy a $50,000 term polic In your case, you can buy a $50,000 term policy with a premium.y with a premium.

A: Sounds reasonable. I’ll just buy this one.A: Sounds reasonable. I’ll just buy this one.Task: Buy life insurance for your father.




A: Frankly, this is my first business deal with a Chinese A: Frankly, this is my first business deal with a Chinese insurance company. Could you tell me what I should insurance company. Could you tell me what I should do when something happens?do when something happens?

B: This may sound complicated, but actually it’s not. B: This may sound complicated, but actually it’s not. You begin by applying and obtaining an inspection You begin by applying and obtaining an inspection from your claim settlement agent on your insurance from your claim settlement agent on your insurance policy. Then, with all your documents, you present policy. Then, with all your documents, you present your formal claim in writing to a local branch of PICC. your formal claim in writing to a local branch of PICC.

A: You are quite helpful. Thank you.A: You are quite helpful. Thank you. Task: Consult a representative of a life insurance

company about the services it offers.




A: I regret to inform you that a fire broke out in A: I regret to inform you that a fire broke out in our factory last night.our factory last night.

B: I am sorry to hear that. What was the cause?B: I am sorry to hear that. What was the cause?A: It’s unknown. A: It’s unknown. B: How much is the damage, according to your B: How much is the damage, according to your

estimate?estimate?A: About $75,000. Luckily, no records were A: About $75,000. Luckily, no records were

destroyed so there will be no difficulty in destroyed so there will be no difficulty in assessing the value of the loss.assessing the value of the loss.

Task: File a claim for your car damage.



1. Complete the conversation by filling out the blanks based on the clues given in the brackets.


Miss Scott: My name is Mary Scott, a surveyor from Brown & Johnson Insurance Adjusters. __________________________________________________________________________________________. ( 告诉他你是被委派来核查卡车所运货物的损失的。 )

Mr. Wilson: Ah, how do you do? My name is Robert Wilson. I am the manager of administrative affairs for Harper & Grant.

I’ve been asked to come to investigatethe damage to the load which this lorry was carrying.

Mr. Wilson, an administrative manager of Harper & Grant, is discussing with Miss Scott, an insurance surveyor, the company’s claim for a lorry accident.


Miss Scott: How do you do, Miss Scott. ______________________________________________ （证实一下是他们公司提出索赔的。）

Mr. Wilson: That’s right. What about your survey?Miss Scott: I don’t think these filing cabinets are too badly

damaged. I think it should be possible to salvage a lot. And _____________________________________ ( 告诉他你认为这些桌子可以重新油漆。 )

Mr. Wilson: Oh, I don’t think so, Miss Scott. Look at these desks. They are complete write-offs. __________________________________________ （告诉他这些桌子根本无法修理。）

I think these desks could be repainted.

repaint

claim It’s your firm

We’ll never be able to repair them.

who is making the claim. Am I right?




Miss Scott: Well, I think I might recommend payment of 75% of the insured value.

Mr. Wilson: But I really don’t feel I can give my approval to that. Look at these cabinets, please! _________________________________________, （说它们一定在水中泡了一些时间） and this may reduce the value a lot. I think payment should be 80% of the insured value.

be under water

They must have beenunder water for some time




Miss Scott: Sounds reasonable. This is the certified survey report. ___________________________________________________________________________. （通知该公司要在 14 天内以此检验报告和它们的保险单提出正式索赔。）

Mr. Wilson: Thank you.

Your company should file a formal claim with this report and your policy within 14 days.

insurance policy

file a formal claim




2. Suppose you are the representative of a Chinese company. You are talking with John Brown, an America businessman, about insurance. Act out the following dialogue by translating the Chinese into English. Your partner will play the role of John Brown.


Mr. Brown: This time I want to buy on the CIF New York basis. I think it is simpler to have the insurance covered by you. .

( 这可省去我们许多麻烦和时间。 )You: Oh, yes. Actually, it is also in our interest to insure the go

ods ourselves. Besides, our insurer PICC has agencies in all big cities of the world. It can offer good services.

Mr. Brown: . ( 你们投保水渍险和战争险，是吗？ )

That would save us a lot of trouble and time

cover WPA. and War Risks

You cover WPA. and War Risks, don’t you?


You: Well, Mr. Brown, we cover all basic risks as required as long as they are stipulated in the Ocean Marine Cargo Clauses of PICC.

Mr. Brown: Then _______________________________________________? ( 除水渍险和战争险外，你们还投保其他险吗 ?) such as, Risk of leakage, Risk of Breakage and so on?

You: Not unless you want to, but the extra premiums involved will be for the buyer’s account.

do you cover risks other than WPA and War Risks




Mr. Brown: Oh, __________________________________. ( 那就别麻烦了，我只是问问而已。 ) Another thing, I’d like to have the insurance of the goods covered at 130% of the invoice value. Do you think that can be done?

don’t bother then. I was merely enquiring

enquire




You: I think so, but please note that our insurance coverage is for 110% of the invoice value, not for 130%. _______________________________________________________________________________________________________. ( 因此发票金额的 130% 和 110% 之间的差额保险费需由买方承担。 )

Mr. Brown: That’s understood.

Thus the premium for the difference between 130% and 110% of the invoice value should be borne by the buyer

invoice value

the premium for the difference




1. Medical insurance 医疗保险 2. Health insurance 健康保险3. Unemployment insurance 失业保险4. Endowment insurance 养老保险5. Personal accident insurance 个人意外事故保险6. Property insurance 财产保险7. Sickness insurance 疾病保险8. Burglary insurance 失窃保险9. Travel accident insurance 旅行意外保险10. Fire insurance 火险11. Single-child insurance 独生子女保险

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12. Earthquake insurance 地震险13. Flood insurance 水灾险14. Marine insurance 海运险15. FPA (Free from Particular Risks) 平安险16. W.P.A. (With Particular Average) 水渍险17. All Risks 全险，所有险18. War Risks 兵险，战争险19. Extraneous / Additional Risks 附加险 20. Insure/cover with WPA/against All Risks 投保水渍险 / 全险21. Take out an insurance policy 投保22. Make/file a claim 索赔23. Settle a claim 理赔

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Being All EarsBeing All Ears

Listen and Complete

Listen and Decide

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1. Listen to a dialogue and complete the 1. Listen to a dialogue and complete the following statements.following statements.

1. Mr. Jordan works in _______.

2. Mr. Jordan’s company provides _______, property

insurance, _______, and many other special types

of insurance.

3. Profit loss can be covered by ______.

4. _______ refers to the loss incurred when a factory

suspends its production due to a fire disaster.

5. Machinery in a factory is covered against the risk

of being damaged or destroyed by _______.



1. Listen to a dialogue and complete the 1. Listen to a dialogue and complete the following statements.following statements.

1. Mr. Jordan works in _________________________.

2. Mr. Jordan’s company provides _________________,

property insurance, ________________, and many other

special types of insurance.

3. Profit loss can be covered by ____________________.

4. ______________ refers to the loss incurred when a factory

suspends its production due to a fire disaster.

5. Machinery in a factory is covered against the risk of being

damaged or destroyed by ____________________.

an insurance company an insurance company

personal insurancepersonal insuranceliability insuranceliability insurance

profit loss insuranceprofit loss insurance

Profit lossProfit loss

property insuranceproperty insurance


1. What is the probable relationship between the two speakers?

2. According to the conversation, there are ____ types of general insurances.

3. If your company’s building catches fire and gets burnt down, you can claim for the value of the building from ____.

4. Profit loss insurance falls within the category of ____.

5. If all or part of your business is put out of action for some time by a fire, you can claim for the loss from _____.

2. Listen to the dialogue again and try to 2. Listen to the dialogue again and try to do the following multiple choice do the following multiple choice exercises. exercises.


Reference


1 What is the probable relationship between

the two speakers?

a. Strangers. c. Friends.

b. Relatives. d. Colleagues.

2. Listen to the dialogue again and try to 2. Listen to the dialogue again and try to do the following multiple choice do the following multiple choice exercises.exercises.

1 What is the probable relationship between

the two speakers?

a. Strangers. c. Friends.


2 According to the conversation, there are

________ types of general insurances.

a. two b. three

c. four d. five

2. Listen to the dialogue again and try to 2. Listen to the dialogue again and try to do the following multiple choice do the following multiple choice exercises.exercises.

2 According to the conversation, there are

________ types of general insurances.

a. two b. three

c. four d. five


2. Listen to the dialogue again and try to do 2. Listen to the dialogue again and try to do the following multiple choice exercises.the following multiple choice exercises.

3 If your company’s building catches fire and gets burnt down, you can claim for the value of the building from _________.

a. property insurance c. life insurance

b. liability insurance d. profit loss insurance

3 If your company’s building catches fire and gets burnt down, you can claim for the value of the building from _________.





4 Profit loss insurance falls within the category of ____.

a. property insurance

b. liability insurance

c. special loss insurance

d. life insurance

4 Profit loss insurance falls within the category of ____.

a. property insurance

b. liability insurance

c. special loss insurance

d. life insurance



5 If all or part of your business is put out of

action for some time by a fire, you can claim for

the loss from _______________.



5 If all or part of your business is put out of

action for some time by a fire, you can claim for

the loss from _______________.




Shop carefully for 1) ___________ you purchase. Although many insurance policies have standard coverage, the cost for the same protection may vary among companies. You should compare the cost and 2) __________. For example, if you want to 3) ________ a car, check the rates of several companies.

any insuranceany insurance

the coveragethe coverage insureinsure

3. Listen to a passage and fill in the 3. Listen to a passage and fill in the blanks based on what you have heard.blanks based on what you have heard.



Choosing a knowledgeable insurance agent is an important part of 9) _________ for insurance. A good insurance agent can help you understand the 10) _________ of an insurance policy. And he or she can help you decide on the best kind of policy for your needs.

3. Listen to a passage and fill in the 3. Listen to a passage and fill in the blanks based on what you have blanks based on what you have heard.heard.

shopping shopping

languagelanguage


Homework

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new practical english 3 second edition return to menu return to menu talking face to face sample...

Documents

new practical english

edition sample

insurance policy

breakage slide

insurance business

insurance information

types of insurance

face sample sample sample