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6.1.2.5. Insurance Request for Comprehensive Insurance

Dear Sirs

We would be grateful if you could quote us for comprehensive cover, i.e. against fire, flood, accident, industrial injury, and theft.

We are a large warehouse selling furnishings to the retail trade, and employing a staff of thirty. The building we occupy belongs to us and is currently valued, along with the fixtures and fittings, at £350,000. At any one time there might be stock worth £250,000 on the premises.

If you are able to supply a quote, please would you take the following into consideration:

Our fire precautions conform to current regulations: we have a fully operational sprinkler system, which is serviced regularly and fire exits on every floor. In general, our health and safety record is excellent.

Our premises are on high ground, and the only danger from flood would be burst pipes.

Since we began trading six years ago we have never had to claim for industrial injury, and damage to stock has been minimal. Petty theft which is common in warehouses, has cost us only £800 per annum on average. Our present policy expires at the end of this month, so we would require cover as from 1 May.

We are changing insurance companies because of our present insurers' increase in premium, so a competitive quotation would be appreciated.

Assignments

I. Memorise the following words and phrases:

to quote

призначати ціну

to supply a quote

надати інформацію про ціну

comprehensive cover/insurance against all risks

страхування від усіх ризиків

industrial injury

виробнича травма

fixtures

рухоме та нерухоме майно

fittings

пристрої та приладдя

stock

майно

worth

що має вартість

quotation

ціна

II. Suggest the Ukrainian equivalents of the words and phrases below:

retail trade; to employ a staff; fire precautions; to conform to current regulations; sprinkler system; fire exit; health and safety record; high ground; burst pipes; to claim for industrial injury; damage to stock; petty theft; on average; increase in premium; competitive quotation; the building is valued at… .

III. Find English equivalents to the following words and phrases:

вартість будівлі складає…; запобіжні заходи проти пожежі; конкурентна ціна; підвищення страхової премії; дрібна крадіжка; пошкодження майна; пошкоджені труби; високий фундамент; роздрібна торгівля; наймати персонал; заявляти права на компенсацію у випадках виробничих травм; спринклерна протипожежна система; наша репутація щодо охорони здоров’я та безпеки; відповідати сучасним інструкціям; пожежний вихід; у середньому.

IV. Answer the questions:

1. What sort of policy is the writer asking for? What does it include?

2. How many people do they employ?

3. What precautions have they taken against fire?

4. Why are they changing their insurers?

5. Which words in the letter have a similar meaning to the following?

a) full cover against all eventualities;

b) maintained and repaired;

c) very small:

d) stealing things in small quantities;

e) insurance protection.

V. Translate into English:

1. Термін дії нашого теперішнього полісу закінчується наприкінці місяця.

2. Наші запобіжні заходи проти пожежі відповідають сучасним інструкціям: у нас є спринклерна протипожежна система у робочому стані і пожежні виходи на кожному поверсі.

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