english
.pdf
|
81 |
Unit 23 |
Insurance |
Listen to the tape and practise the pronunciation of the following words and word combinations, quote the sentences in which they are used in the unit. Consult a dictionary and translate them into Russian.
to be hi-jacked
to insure oneself against loss or damage to one’s property insurance broker
a syndicate of underwriters to arrange a blanket insurance a comprehensive policy
to make a statement at the end of an accounting period
to pay the premium as a percentage of the total value of all goods handled to employ a firm of adjusters
to assess or value the loss or damage
the full insured value of the goods or property to take into account the depreciated value
to be a write-off
Act of God = insurance on a contingency basis the injured party
to take out a policy to put in a claim to meet the claim
to be tipped off
to be covered by a blanket insurance policy to salvage the lot
to be liable
to violate the regulations
Notes: |
|
insurer |
- , |
insurant |
- , , |
life insurance |
- |
insurance against all risks |
- |
82
Task I
Consider the introduction to the unit. Answer the following questions and be ready to give a story line. Use the word combinations in brackets.
1. How can a firm insure itself against loss or damage to its property?
(to take out an insurance policy; to insure the goods or property against something; to arrange insurance with a syndicate of underwriters; to cover everything; a comprehensive policy; blanket insurance)
2. What is the mechanism of insuring the goods?
(to make a statement at the end of an accounting period; to do something once a month or once a quarter; the total value of all goods handled; to pay the premium; to pay something as a percentage of the total value of goods)
3. What is mentioned about Harper & Grant’s insurers?
(a syndicate of Lloyds underwriters; to be a huge insurance organisation; insurers; to work independently; to be grouped in syndicates)
4. What are adjusters? In what way does their work differ from that of underwriters?
(to employ a firm of adjusters; to assess or value the loss or damage; the full insured value of the goods or property; to take into account; the depreciated value)
5. Is the hi-jacked load of Harper & Grant Ltd. covered by any insurance policy?
(to be a write-off; to be a total wreck; to be impossible to repair; to concern somebody; to hire vehicles; to replace the load; to be wanted urgently)
6. Is it possible to insure the goods or property against anything that could happen?
(to be an all-risks policy; to insure the goods or property against almost anything that could happen; to put in some exceptions; outbreak of war; Act of God; to be considered a normal risk).
7. What are the steps of taking out an insurance policy?
(to takes place; the injured party; to put in a claim to the insurance company; to agree to pay; to meet the claim; to take out a policy; to put in a claim; to agree to meet the claim)
83
Task 2
Give the English equivalents for the following word combinations:
§ |
|
§ ( - |
|
|
|
|
/ ) |
|
|
|
|
§ |
|
§ |
|
|
|
|
|
§ |
|
§ |
, |
|
|
|
|
§ |
|
§ |
» (« »), |
|
|
|
- , |
|
( |
|
, |
|
) |
|
|
§ |
|
§ |
|
§ , § , |
|||
|
|
|
|
§ |
, |
§ |
|
|
( , |
|
( |
|
) / |
|
) |
§ |
|
§ |
|
|
|
|
|
Task 3
Exercise 1
You are going to hear a talk between W. Buckhurst and Peter Wiles. Before you listen to the conversation look at these statements, which you will mark T (True) or F (False) after you have listened to the tape.
1.The gang had been tipped off that a lorry belonging to Andersons would be coming through the way with a valuable load of office furniture.
2.A hi-jacker must have thought Andersons' driver was lying for some reason that he had a load of office desks and filing cabinets.
3.The driver was taken to a farm a long way from the main road and held there for seven weeks before the gang released him. Then he had to walk six miles before he found a policeman.
4.Nobody knows what the robbers did with the lorry and how it became a total wreck.
84
5.The insurance of the load is very simple and there was no need to inform the insurance brokers when the theft was reported because all goods delivered for Harper & Grant Ltd. within the United Kingdom are covered by a blanket insurance policy.
6.Lloyds underwrote the policy, i.e. Harper & Grant Ltd. are insured with a syndicate of Lloyds underwriters.
7.Someone from a syndicate of Lloyds underwriters will go up to inspect the damaged goods to give an opinion about their value.
8.The main problem in this situation is that Harper & Grant’s insurers seem to think the desks and chairs may not be too badly damaged.
9.William Buckhurst thinks someone from the firm ought to go up and give the managers an opinion of the damage.
10.Peter would like to go up there himself and have a look in spite of the fact that it's miles from a main road, right up in the Moorland Valley. Also there isn’t much to do at the office at the moment and he can go.
Exercise 2
Listen to the following conversation between Christopher Thorn and Mr. Roberts . Look at their remarks given below at random. Put them in the order they appear in the Unit. Supply the remarks with the names of their authors. Fill in the grid below.
AMay I ask who you are and what your business is up here?
BAh, how do you do. My name is Thorn, I work for Harper & Grant.
CGood morning. Nice morning for a country drive, isn't it? Oh, what a mess that lorry's in.
DOh, yes, your firm is making the claim.
EMy name is Roberts. I represent Brown & Johnson, Insurance Adjusters. I've been asked to investigate the damage to the load which this lorry was carrying.
FWell, I might ask you the same question.
1. |
2. |
3. |
4. |
5. |
6. |
|
|
|
|
|
|
85
Exercise 3
Listen again and see how the conversation between Christopher Thorn and Mr. Roberts progressed. Try to complete the gaps, using no more than three words in each case.
Christopher |
Well, let's … . I was warned that … might have jammed. |
Thorn |
|
Mr. Roberts |
I don't think … are too badly damaged. I think it … to |
|
salvage3 the lot. These dents could … knocked out, and these |
|
desks … . |
Christopher |
Oh, I don't think … , Mr. Roberts. Look …, it's … . We'd |
Thorn |
never be able … . And … . Look at them! They must have |
|
been … for some time. They … to be stripped down and … . |
Mr. Roberts |
H'm, well, I think I might recommend ... . Hello! What's this |
|
…? |
Christopher |
I should think it used … on the windscreen; it's come unstuck |
Thorn |
… and... What does it say? |
Mr. Roberts |
“Drivers … it is a serious offence … , as agreed with the |
|
General Workers' Union, to … in this vehicle to any person |
|
not … of Andersons Transport Company.” You realise …? |
Christopher |
Sorry, no, I don't. |
Thorn |
|
Mr. Roberts |
Didn't the driver … that he … to this man …? |
Christopher |
Yes, I believe he did. But I don't see... |
Thorn |
|
Mr. Roberts |
I think … will find, Mr. Thorn, that Andersons, …, should be |
|
held responsible … to their customers' goods in transit if … is |
|
caused … on the part … . Of course, it will depend … your |
|
firm has … , but I don't think … need be liable at all. |
86
Exercise 4
Consider the following points. Share your ideas with a partner or a small group. Be prepared to explain your answers to the class.
1.Explain why and how hi-jackers stole office-furniture.
2.Suppose you are a police officer. Recount the case of hi-jaching.
3.Andersons have just been on to W. Buckhurst. Now he briefs Peter Wiles about the situation.
4.Report the situation as if you were the driver of the hi-jacked lorry.
5.Recount the situation as if you were a hi-jacker.
6.Act on behalf of Peter Wiles and report the situation to Hector Grant.
7.Make a presentation Mr. Roberts could have delivered about the case in question. Explain why the insurers were not liable in the case of the damaged cargo.
8.Report on your visit to Moorland Valley as if you were Christopher Thorn, focus your attention on the difference in opinion between Christopher Thorn and Mr. Roberts on the value of damage to the equipment.
9.Act out the dialogue between
a.Peter Wiles and William Buckhurst
b.Peter Wiles and Christopher Thorn before his trip to Moorland Valley
c.Christopher Thorn and Mr. Roberts
d.Peter Wiles and Christopher Thorn after his trip to Moorland Valley
87
CONTENTS
|
The History of the Company |
3 |
Unit 1. |
New Markets Are Vital |
4 |
Unit 2. |
A Visit to the Factory |
8 |
Unit 3. |
An Emergency in the Sales Office |
13 |
Unit 4. |
Trouble with a Special Order |
18 |
Unit 6. |
Appointing the New Advertising Manager |
24 |
Unit 9. |
Productivity – A Work Study Survey |
30 |
Unit 10. |
The Pension Fund Meeting |
37 |
Unit 12. |
A Labour Dispute |
44 |
Unit 13. |
Risk of a Takeover |
52 |
Unit 15. |
Dealing with an Important New Market |
58 |
Unit 17. |
The New Board of Directors |
63 |
Unit 19. |
Auditing the Accounts |
69 |
Unit 21. |
Debtors |
75 |
Unit 23. |
Insurance |
81 |
88
APPENDIX 1
Who’s Who in the Company
Harper, Ambrose, Board of Directors’ Chairman.
Grant, Wingate, late Managing Director, Hector Grant’s father.
Grant, Hector, present Managing Director – the executive director in charge of the day-to-day running of the company
Wiles, Peter, Production Manager – executive in charge of production of goods in the factory; son of Mr. Grant’s sister - Hector Grant’s nephew, later Director.
Martin, John, Sales Manager – executive in charge of promoting sales of the firm’s goods
Corby, Elizabeth, Hector Grant’s efficient secretary
Fielding,Ted. Works Manager.
Buckhurst, William. Company Secretary, F.C.A. (a Fellow of the Institute of Chartered Accountants)
Thorn, Christopher, Management Trainee.
Mr. Roberts, Representative of Brown & Johnson, Insurance Adjusters Mr. Baker, Chief Clerk in the General Office
Fenella, inexperienced shorthand typist Jane, secretary of Peter Willes
Mr. Windsmore, applicant for a job of an advertising manager Harvey, Joanna. Advertising Manager
Mr. Scott, representative of Smith-Weston Consultants Ltd. Ian Hampden, Ian. Personnel Manager
Green, Jack. Shop steward
Smith, an operative
Mr .Brewer, Bank Manager
Mr.Wentworth, the owner of the rival company (mattress-makers) Mr. Brent, Chief Auditor
Donald Kennet, a clerk
M.Shuttleworth, Sales Representative