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1. Talking Face to Face Return to Menu • Sample • Act Out • Put in Use • Data Bank New Practical English 3

2. SAMPLES Dialogue 1 Type of Insurance Suggested Dialogue 2 Coverage of Risk of Breakage New Practical English 3

3. Sample 1 Type of Insurance Suggested Click here to listen 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 Li: Well, obviously you won’t want the All Risks cover. Mr. Baker: Why not? Miss Li: 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? New Practical English 3

4. Sample 1 Type of Insurance Suggested Miss Li: That’s right. Since your consignment is steel plates, an FPA is good enough. Mr. Baker: But what if I want them to be covered with WPA? Miss Li: You have to pay the extra premium. Mr. Baker: Well, I’ll accept FPA. New Practical English 3

5. Sample 2 Coverage of Risk of Breakage Click here to listen Mr.Brown: What coverage will you take out for the goods I’ve ordered? Ms. Zhang: Did we conclude the business on a C.I.F. basis? Mr. Brown: Yes, that’s right. Ms. Zhang: Then we’ll only insure W.P.A. Mr. Brown: Could you cover the Risk of Breakage for us? You know, vases are delicate goods. New Practical English 3

6. Sample 2 Coverage of Risk of Breakage 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. New Practical English 3

7. Here is a group of short dialogues. Follow the examples and make more conversations with your partner. Click here to listen A: You look puzzled. Can I help you? B: Well, what does “average” mean in the insurance business? A: The term “average” simply means “loss at sea” in most cases. It all goes back to the situation where a ship’s in danger, and someone’s cargo has to be jettisoned. B: But whose should be jettisoned? A: The captain has to make a decision, and one of the shippers will suffer. To cover this situation the concept of general average（共同海损） was introduced. B: Oh, I see. Task: Get some insurance information from your partner. Let’s Talk. New Practical English 3

8. Here is a group of short dialogues. Follow the examples and make more conversation with your partner. Click here to listen A: I’ve decided to buy life insurance, but I don’t know what to buy for myself. B: Can you give me more details about yourself? A: I am 27 years old, … B: Well, at a younger age, term（定期） life insurance premium rates are relatively low, so a sizable amount can be bought with a modest sum. In your case, you can buy a $50,000 term policy with a premium. A: Sounds reasonable. I’ll just buy this one. Task: Buy life insurance for your father. New Practical English 3

9. Here is a group of short dialogues. Follow the examples and make more conversation with your partner. Click here to listen A: Frankly, this is my first business deal with a Chinese insurance company. Could you tell me what I should do when something happens? B: This may sound complicated, but actually it’s not. You begin by applying and obtaining an inspection from your claim settlement agent on your insurance policy. Then, with all your documents, you present your formal claim in writing to a local branch of PICC. A: You are quite helpful. Thank you. Task: Consult a representative from a life insurance company about the services it offers. New Practical English 3

10. Here is a group of short dialogues. Follow the examples and make more conversation with your partner. Click here to listen A: I regret to inform you that a fire broke out in our factory last night. B: I am sorry to hear that. What was the cause? A: It’s unknown. B: How much is the damage, according to your estimate? A: About $75,000. Luckily, no records were destroyed so there will be no difficulty in assessing the value of the loss. Task: File a claim for your car damage. New Practical English 3

11. 1. Mr. Wilson, an administrative manager of Harper & Grant, is discussing with Mr. Scott, an insurance surveyor, the company’s claim for a lorry accident. Complete the conversation by filling out the blanks based on the clues given in the brackets. Mr. Scott: My name is John 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 investigate the damage to the load which this lorry was carrying the load which this lorry was carrying investigate New Practical English 3

12. claim Mr. Scott: How do you do, Mr. Wilson. ______________________________________________ ? （证实一下是他们公司提出索赔的。） Mr. Wilson: That’s right. What about your survey? Mr. 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。） It’s your firm who is making the claim. Am I right I think these desks could be repainted We’ll never be able to repair them repaint New Practical English 3

13. be under water Mr. 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. Mr. 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他们的保险单提出正式索赔。） Mr. Wilson: Thank you. Theymust have been under water for some time Your company should file a formal claim with this report and your insurance policy within 14 days insurance policy file a formal claim New Practical English 3

14. 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 goods 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 You cover W.P.A. and War Risks, don’t you cover W.P.A. and War Risks New Practical English 3

15. 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. 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? do you cover risks other than W.P.A. and War Risks don’t bother then. I was merely enquiring enquire bother New Practical English 3

16. 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 New Practical English 3

17. DataBank • Medical insurance医疗保险 • Health insurance 健康保险 • Unemployment insurance 失业保险 • Endowment insurance 养老保险 • Personal accident insurance 个人意外事故保险 • Property insurance 财产保险 • Sickness insurance 疾病保险 New Practical English 3

18. DataBank • Burglary insurance 失窃保险 • Travel accident insurance 旅行意外保险 • Fire insurance 火险 • Single-child insurance 独生子女保险 • Earthquake insurance 地震险 • Flood insurance 水灾险 • Marine insurance 海运险 New Practical English 3

19. DataBank • FPA (Free from Particular Risks) 平安险 • W.P.A. (With Particular Average) 水渍险 • All Risks 全险，所有险 • War Risks 兵险，战争险 • Extraneous / Additional Risks 附加险 New Practical English 3

20. DataBank • Insure/cover … with WPA/against All Risks 投保水渍险/全险 • Take out an insurance policy 投保，买保险 • Make/file a claim 索赔 • Settle a claim理赔 New Practical English 3

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