Раздел № 3: Принципы страхования. Unit 3: Principles of insurance
Цель: Изучив данный раздел, Вы узнаете слова по теме «Принципы страхования», сможете употреблять их в устной и письменной речи.
Lexical work
Ex. 1. 1 Translate the text, using your dictionary.
For insurance to function properly, the insurer and insured have to make sure that certain basic requirements are fulfilled when the insurance policy is drawn up.
Utmost good faith
When someone fills out a form applying to take out insurance, he is obliged to tell the truth about the value and condition of the goods to be insured, and also to mention anything which might increase the risk of the goods being stolen or damaged. The insurer accepts the application in “utmost good faith” that all the details supplied by the insured are correct, and fixes the level of the premium accordingly.
For his part, the insurer is obliged to deal fairly with the insured, for example by making all the conditions of the insurance policy clear to him.
Insurable interest
It is essential that the insured has an insurable interest in the goods to be insured: this means he has to suffer a financial loss if the goods are stolen or damaged. Generally this means that you can take out insurance for your own property, but not for someone else’s.
Indemnity
The idea of indemnity is that if the insured suffers a loss, he has to be paid sufficient compensation to bring him back to the same financial condition as he was in before the loss – not more and not less (this doesn’t apply to life or personal accident insurance). This prevents people over-insuring their goods in the hope of making a profit.
Subrogation
Once the insurer has compensated the insured for his loss, he has the right to recover the amount in question from the party responsible for the loss (for example, if the insurer can prove that the ship was not seaworthy, he can take legal steps against the ship owner).
Words
Ex. 1.2 Write the Russian equivalents:
fill out a form
to tell the truth
the level of the premium
the insurance policy
an insurable interest
financial condition
in the hope of making a profit.
to recover the amount
Ex. 1.3 What is wrong here?
1. Mr. Smith’s insurance company refused to pay him when his house was broken into, as they found out from police records that it had already been broken into twice before he took out insurance. Why?
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2. Mary’s mother lent Mary some expensive jewellery. However, when Mary applied to have it covered by her house-hold insurance policy, the insurance company refused. Why?
3. Mr. Adams wanted to insure the goods in his warehouse for $200,000, which was the price at which he could sell them. However, the insurance company told him that they could only insure the goods for $120,000. Why?
Раздел № 4: Типы страховых полисов Unit 4: Types of insurance policy
Цель: Изучив данный раздел, Вы узнаете слова по теме «Типы страховых полисов», сможете употреблять их в устной и письменной речи.
Lexical work
Ex. 1. 1 Translate the text, using your dictionary.
Written evidence of the insurance contract is provided in the insurance policy. If insurance is needed at short notice, the insurer can provide the insured with a cover note to fulfit this function until the insurance policy is ready. The following types of cover are available:
· Hull policies cover the ship itself, but not the goods being carried.
· Cargo policy cover the goods carried on board the ship, but not the ship itself.
Voyage policy
This type of policy covers the ship and/or cargo for one voyage only. This kind of policy may specify a date limit within which the ship is expected to have arrived at the port of destination. It is used by people or companies who only have to ship goods occasionally.
Time policy
This is type of policy used most often. It covers all shipments made within a certain period of time. The premium is paid in advance and then adjusted at the end of the period of insurance, depending on the number and value of shipments made. The insured has the responsibility of filling out an insurance certificate for each shipment, so that an accurate record can be presented at the end of the period of insurance.
Floating policy
With a floating policy, the insured and insurer agree in advance on a certain sum at which the goods are to be insured. The insured can then make as many shipments as he wants until this value has been reached, at which point the policy expires.
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Mixed policy
This is the combination of the voyage and time policies. The ship and/or cargo is covered for all voyages between two named ports for a certain period of time (for example for all voyages from Liverpool to New York over a period of one year).
Words
Ex. 1.2 Write the English equivalents:
Страховой контракт
Следующие типы покрытия
Товары, перевозимые на борту корабля
Покрывает корабль и /или груз только на одну поездку
Этот вид полиса может точно определять
Порт назначения
В конце периода страхования
Ответственность за заполнение страхового сертификата
Заранее на определенную сумму
На все поездки между двумя названными портами
Ex1.3 What type of insurance policy would you use in each situation? Justify your answer!
1. A customer in Sri Lanka placed a trial order.
2. A company in Canada received a standing order from a company in Boston.
3. A carpet importer in Italy often places orders with a company in Morocco. However, as sales fluctuate, the size and value of the orders tends to vary and is not always predictable.
4. An exporter in Japan was offered a one-year contract to supply goods to various branches of an American corporation.
5. A family emigration from England to Australia sent most of their household goods by ship.
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