保险英语Unit 6

　　[00:00.00]Property insurance
[00:01.85]SECTION 1 A
[00:04.57]We will pay for loss of or damage to the buildings caused by
[00:09.51]1 Fire,Lightning,Explosion or Earthquake
[00:14.58]2 Smoke
[00:16.54]but not loss or damage caused by smog,agricultural or industrial operations or any gradual process
[00:24.92]3 Riot,Civil Commotion¹,Labour or Political Disturbance²
[00:30.38]4 Collision with the buildings directly caused by any moving object originating outside your home
[00:38.71]but not loss of or damage to hedges,gates or fences by falling trees or branches
[00:46.50]5 Storm or Flood
[00:49.16]but not
[00:50.23]a)loss of or damage to hedges,gates or fences
[00:54.73]b)loss or damage caused by frost
[00:58.36]6 Theft or Attempted Theft
[01:01.41]but not
[01:02.51]a)loss or damage by any paying guest or tenant³
[01:06.69]b)after your home has been unoccupied for more than 30 consecutive⁴ days
[01:12.41]7.Vandalism or Malicious⁵ Acts  but not
[01:17.53]a)loss or damage by any paying guest or tenant.
[01:21.79]b)after your home has been unoccupied for more than 30 consecutive days
[01:28.01]8 Escape of Water or Oil from any fixed⁶ water or heating installation or from any domestic appliance
[01:37.44]but not after your home has been unoccupied for more than 30 consecutive days
[01:43.13]9 Subsidence or Heave of the site on which the building of your home stands or Landslip
[01:52.27]but not
[01:53.61]a)loss or damage caused by
[01:57.26]i)coastal or river erosion
[02:00.71]ii)demolition,structural repairs or alterations⁷ to the buildings
[02:06.75]iii)defective⁸ design,faulty workmanship or the use of defective materials in the buildings
[02:13.96]b)loss of or damage to solid floor slads resulting from their movement unless the foundations beneath the external walls of your home are damaged at the same time by the same cause
[02:28.27]c)loss of or damage to outdoor swimming pools,tennis courts,patios,terraces,service tanks,
[02:38.51]drains,septic tanks,pipes and cables,central heating fuel storage tanks,drives,footpaths,garden walls,hedges,
[02:51.76]gates or fences unless your home,an outbuilding or garage is damaged at the same time by the same cause
[03:02.10]d)the amount of the "Subsidence" excess shown in the schedule which will apply to any claim for subsidence or heave or landslip
[03:12.73]B 1 Plumbing⁹ installation
[03:17.64]We will pay for damage to any part of the plumbing installation in your home caused by freezing or bursting
[03:24.80]but not
[03:25.95]a)if the installation is outside or in an outbuilding
[03:31.51]b)loss or damage due to rust,corrosion or wear and tear
[03:39.12]c)after your home has been unoccupied for more than 30 consecutive days
[03:45.72]2 Service Pipes and Cables
[03:49.17]We will pay for accidental damage for which you are legally responsible to underground drains,
[03:55.89]pipes,cables and tanks providing services to or from your home
[04:02.44]3 Glass and Sanitary¹⁰ Wear
[04:06.20]We will pay for accidental breakage of fixed glass in windows,
[04:10.75]in windows,in doors or in roofs,fixed ceramic¹¹ hobs or fixed sanitary ware¹² in your home
[04:18.22]but not
[04:19.47]a)breakage by any paying guest or tenant
[04:24.44]b)after your home has been unoccupied for more than 30 consecutive days
[04:30.71]4 Fees and Clearance¹³ Costs
[04:34.55]We will pay
[04:36.04]a)the cost of architects,surveyors,consultants and legal fees
[04:43.66]but not fees for preparing any claim under this policy
[04:47.84]b)costs to clear the site and make it and the buildings safe
[04:54.14]necessarily incurred¹⁴ with our consent in the repair or reinstatement of the buildings following damage recoverable under this section
[05:03.26]5 Local Authority Requirements
[05:06.91]We will pay the extra cost of reinstatement or repair of the damaged part of the buildings incurred solely¹⁵ to comply with any government or local authority requirement,
[05:18.17]following damage recoverable under this section
[05:21.75]but not if such requirement had been advised to you before the damage occurred
[05:27.86]6 Alternative Accommodation and Rent
[05:32.25]We will pay in addition to any other amount recoverable under this section
[05:37.48]a)if you occupy your home
[05:40.92]the cost of reasonable alternative accommodation for you
[05:45.10]your family and domertic pets
[05:47.98]b)if your home is lent or let
[05:51.92]rent you would have received but lose
[05:54.59]while your home is unfit to live in following damage recoverable under this section
[06:00.31]Any claim payment will not be more than 20% of the sum insured by this section
[06:06.73]7 Sale and Purchase
[06:10.00]a)if you are selling your home the purchaser will have the benefit of the insurance
[06:16.40]by this section up to the date of completion provided the buildings are not otherwise insured
[06:22.82]b)if you are purchasing another private dwelling¹⁶ your new dwelling will be insured by this section
[06:30.50]for up to three months from the date contracts to purchase are exchanged or in Scotland the date of the acceptance of offer
[06:39.46]but not
[06:40.82]i)if it is otherwise insured
[06:44.24]ii)after completion of the purchase
[06:47.85]iii)for more than 125% of the sum insured by this section.
[06:54.51]BASIS OF CLAIMS OF SETTLEMENT
[06:57.04]1 We will pay the cost incurred in reinstatement or repair of that part of the buildings
[07:04.44]which is damaged by any of the causes insured by this section without any deduction¹⁷ for wear and tear,
[07:11.65]provided that at the time of such damage the buildings are in a good state of repair
[07:16.98]2 If the damage to the buildings is not reinstated or repaired or the buildings are not in a good state of repair then we will pay at our option
[07:28.31]a)the cost of reinstating the damage less a deduction for any wear and tear or betterment,or
[07:37.20]b)the difference between the sale value of your home in the open market immediately prior to the damage and its residual¹⁸ value following such damage
[07:49.32]3 The most we will pay for any one claim will be the total sum insured shown in the schedule plus any amount payable¹⁹ under paragraphs B5,B6 and B7 of this section
[08:05.41]4 The sum insured will not be reduced by a claim payment
[08:11.57]5 Any claim settlement for loss or damage will be reduced by the amount of any excess shown in the schedule
[08:20.40]YOUR LIABILITY AS PROPERTY OWNER
[08:23.35]We will pay all sums for which you become legally liable arising solely from your ownership of your home and its land,
[08:31.06]or from any private dwelling previously²⁰ owned and occupied by you for accidental
[08:37.15]a)death of or bodily injury to any person
[08:41.93]b)loss of or damage to material property
[08:46.21]occurring during the period of insurance shown in the schedule
[08:50.44]but not liability
[08:52.51]i)for death of or bodily injury to any member of your family or domestic staff
[08:59.27]ii)for damage to property belonging to or in the custody²¹ or control of you,your family or domestic staff
[09:07.68]iii)arising from
[09:10.37]1)any profession,business or employment
[09:14.61]2)an agreement unless that liability would have existed otherwise
[09:19.65]Any claim payment resulting from one incident will not be more than ￡1,000,000
[09:25.50]We will also pay costs,expenses and legal fees necessarily incurred with our written consent.
[09:32.42]CLAIMS CONDITIONS WHICH APPLY TO THE WHOLE POLICY
[09:35.90]1 Notification of a Claim
[09:40.10]When you become aware of a claim or potential claim under this policy you must give us notice in writing as soon as reasonably possible
[09:49.51]2 Loss or Damage Claims
[09:53.35]For any loss or damage claim you must
[09:56.51]a)at your expense provide us with such information and evidence as we may request including written estimates and proof of ownership or value
[10:08.00]b)notify the police immediately of any loss or damage by deception,theft,attempted theft,vandalism,
[10:18.40]malicious acts,riot or civil commotion or if any property has been lost outside your home
[10:25.97]3 Liability Claims
[10:29.19]For any liability claim you must
[10:32.22]a)send us any letter,claim,writ or summons in connection with the claim or potential claim immediately it is received
[10:43.16]b)not admit,deny,negotiate or settle a claim without our written consent
[10:51.44]4 Abandonment
[10:54.16]No property may be abandoned to us
[10:57.40]5 Enforcing your Rights
[11:01.00]We may at our expense and in your name take any steps necessary to enforce your rights against any other person either before or after we pay a claim
[11:13.18]6 Other Insurances
[11:16.39]If there is any other insurance covering the same loss,damage or liability we will only pay our proportionate share
[11:26.79]CONDITIONS WHICH APPLY TO THE WHOLE POLICY
[11:29.95]1 Policy Terms and Conditions
[11:33.81]You and any other person entitled to benefit under this policy must comply with its terms and conditions
[11:43.16]2 Prevention of Loss
[11:46.27]You must take all reasonable steps to
[11:49.69]a)prevent loss,damage or accident
[11:54.76]b)maintain the insured property in sound condition and good repair
[12:01.42]3 Cancellation²²
[12:04.77]a)You may cancel the policy by giving us notice in writing and we will make a refund²³ of premium²⁴ paid
[12:13.65]for any unexpired period of insurance unless a claim has been made during the current period of insurance
[12:22.56]b)We may cancel the policy by sending seven days notice by letter to your last known address
[12:31.23]when we will make a refund of the premium paid for any unexpired period of insurance
[12:37.89]c)If the premium is payable by monthly instalments and payment ceases we will give you seven days notice as provided in paragraph b) above.

1 commotion   

n.骚动，动乱

参考例句：

• They made a commotion by yelling at each other in the theatre.他们在剧院里相互争吵，引起了一阵骚乱。
• Suddenly the whole street was in commotion.突然间，整条街道变得一片混乱。

2 disturbance   

n.动乱，骚动；打扰，干扰；(身心)失调

参考例句：

• He is suffering an emotional disturbance.他的情绪受到了困扰。
• You can work in here without any disturbance.在这儿你可不受任何干扰地工作。

3 tenant   

n.承租人；房客；佃户；v.租借，租用

参考例句：

• The tenant was dispossessed for not paying his rent.那名房客因未付房租而被赶走。
• The tenant is responsible for all repairs to the building.租户负责对房屋的所有修理。

4 consecutive   

adj.连续的，联贯的，始终一贯的

参考例句：

• It has rained for four consecutive days.已连续下了四天雨。
• The policy of our Party is consecutive.我党的政策始终如一。

5 malicious   

adj.有恶意的，心怀恶意的

参考例句：

• You ought to kick back at such malicious slander. 你应当反击这种恶毒的污蔑。
• Their talk was slightly malicious.他们的谈话有点儿心怀不轨。

6 fixed   

adj.固定的，不变的，准备好的；(计算机)固定的

参考例句：

• Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗？
• Once the aim is fixed,we should not change it arbitrarily.目标一旦确定，我们就不应该随意改变。

7 alterations   

n.改动( alteration的名词复数 )；更改；变化；改变

参考例句：

• Any alterations should be written in neatly to the left side. 改动部分应书写清晰，插在正文的左侧。 来自《简明英汉词典》
• Gene mutations are alterations in the DNA code. 基因突变是指DNA 密码的改变。 来自《简明英汉词典》

8 defective   

adj.有毛病的，有问题的，有瑕疵的

参考例句：

• The firm had received bad publicity over a defective product. 该公司因为一件次品而受到媒体攻击。
• If the goods prove defective, the customer has the right to compensation. 如果货品证明有缺陷， 顾客有权索赔。

9 plumbing   

n.水管装置；水暖工的工作；管道工程v.用铅锤测量（plumb的现在分词）；探究

参考例句：

• She spent her life plumbing the mysteries of the human psyche. 她毕生探索人类心灵的奥秘。
• They're going to have to put in new plumbing. 他们将需要安装新的水管。 来自《简明英汉词典》

10 sanitary   

adj.卫生方面的，卫生的，清洁的，卫生的

参考例句：

• It's not sanitary to let flies come near food.让苍蝇接近食物是不卫生的。
• The sanitary conditions in this restaurant are abominable.这家饭馆的卫生状况糟透了。

11 ceramic   

n.制陶业，陶器，陶瓷工艺

参考例句：

• The order for ceramic tiles has been booked in.瓷砖的订单已登记下来了。
• Some ceramic works of art are shown in this exhibition.这次展览会上展出了一些陶瓷艺术品。

12 ware   

n.(常用复数)商品，货物

参考例句：

• The shop sells a great variety of porcelain ware.这家店铺出售品种繁多的瓷器。
• Good ware will never want a chapman.好货不须叫卖。

13 clearance   

n.净空；许可(证)；清算；清除，清理

参考例句：

• There was a clearance of only ten centimetres between the two walls.两堵墙之间只有十厘米的空隙。
• The ship sailed as soon as it got clearance. 那艘船一办好离港手续立刻启航了。

14 incurred   

[医]招致的，遭受的； incur的过去式

参考例句：

• She had incurred the wrath of her father by marrying without his consent 她未经父亲同意就结婚，使父亲震怒。
• We will reimburse any expenses incurred. 我们将付还所有相关费用。

15 solely   

adv.仅仅，唯一地

参考例句：

• Success should not be measured solely by educational achievement.成功与否不应只用学业成绩来衡量。
• The town depends almost solely on the tourist trade.这座城市几乎完全靠旅游业维持。

16 dwelling   

n.住宅，住所，寓所

参考例句：

• Those two men are dwelling with us.那两个人跟我们住在一起。
• He occupies a three-story dwelling place on the Park Street.他在派克街上有一幢3层楼的寓所。

17 deduction   

n.减除，扣除，减除额；推论，推理，演绎

参考例句：

• No deduction in pay is made for absence due to illness.因病请假不扣工资。
• His deduction led him to the correct conclusion.他的推断使他得出正确的结论。

18 residual   

adj.复播复映追加时间；存留下来的，剩余的

参考例句：

• There are still a few residual problems with the computer program.电脑程序还有一些残留问题。
• The resulting residual chromatism is known as secondary spectrum.所得到的剩余色差叫做二次光谱。

19 payable   

adj.可付的，应付的，有利益的

参考例句：

• This check is payable on demand.这是一张见票即付的支票。
• No tax is payable on these earnings.这些收入不须交税。

20 previously   

adv.以前，先前（地）

参考例句：

• The bicycle tyre blew out at a previously damaged point.自行车胎在以前损坏过的地方又爆开了。
• Let me digress for a moment and explain what had happened previously.让我岔开一会儿，解释原先发生了什么。

21 custody   

n.监护，照看，羁押，拘留

参考例句：

• He spent a week in custody on remand awaiting sentence.等候判决期间他被还押候审一个星期。
• He was taken into custody immediately after the robbery.抢劫案发生后，他立即被押了起来。

22 cancellation   

n.删除，取消

参考例句：

• Heavy seas can cause cancellation of ferry services.海上风浪太大，可能须要取消渡轮服务。
• Her cancellation of her trip to Paris upset our plan.她取消了巴黎之行打乱了我们的计划。

23 refund   

v.退还，偿还；n.归还，偿还额，退款

参考例句：

• They demand a refund on unsatisfactory goods.他们对不满意的货品要求退款。
• We'll refund your money if you aren't satisfied.你若不满意，我们愿意退款给你。

24 premium   

n.加付款；赠品；adj.高级的；售价高的

参考例句：

• You have to pay a premium for express delivery.寄快递你得付额外费用。
• Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后，清水便因稀而贵了。