Some Phrases Used in Telephone Conversations

 

 

- Hello, this is Martin Ross.

 

- Ross here.

 

- My name is Martin Ross. Good morning.

 

- Could I speak to Mr. Slavin?

 

- Could you connect me to Mr. Slavin?

 

- I'd like to speak to somebody about...

 

- I'm phoning about...

 

- What time could I reach him?

 

- You asked me to call back and tell you if it is OK.

 

- Hang on for a moment.

 

- Would you hold on, please. I'll see if he is in.

 

 

- I'm putting you through to Mr. Slavin.

 

- Sorry, that's a wrong number.

 

- Не is not in, I'm afraid.

 

- Алло, это Мартин Росс.

- Это (звонит) Росс.

- Меня зовут Мартин Росс.

Здравствуйте.

- Я могу поговорить с господи-

ном Славиным?

- Не могли бы вы соединить меня господином Славиным?.

- Мне нужно поговорить с кем-

нибудь о …

- Я звоню по поводу...

- Когда можно его застать?

- Вы просили меня перезвонить

и рассказать о результатах.

- Подождите минутку.

- Пожалуйста, не вешайте трубку. Я посмотрю, на ме-сте ли он.

- Я соединяю Вас с господином Славиным.

- Извините, это не тот номер.

- Извините, его нет.

 

 

- He is away.

 

- Sorry, Mr. Slavin isn't available at the moment.

 

- Could you ring him back later? He will be in the office till 6.

 

 

- Can I give him a message?

 

- Shall I ask him to call you when he is free?

 

- You'll be hearing from him. What's your phone number?

 

- Thanks for calling. Bye.

 

 

- Speaking.

 

- Sorry to keep you waiting. I was on the other line.

 

 

- Good to hear from you.

 

-1 didn't recognize your voice.

 

- Sorry, could you say it again?

 

- Он уехал.

- Извините, но сейчас нельзя связаться с господином Сла-виным

- Не могли бы Вы перезвонить позже? Он будет в офисе не позже 6 часов.

- Ему что-нибудь передать?

- Попросить, чтобы Вам пере-

звонили?

- Он Вам позвонит. Какой Ваш номер?

- Спасибо, что позвонили. До свидания.

- Я Вас слушаю.

- Извините, что заставил Вас ждать. Я разговаривал по другому телефону.

- Рад Вас слышать.

- Я Вас не узнал.

- Извините, не могли бы Вы по-

вторить?

 

 

- Speak a bit louder. That's a bad line, I'm afraid.

 

- I can't answer you offhand. Could you give me a call this afternoon?

 

 

- Говорите громче. Плохо слышно.

- Не могу сразу ответить. Не могли бы Вы позвонить се-годня после обеда?

 

 

- That would be easiest. - Так было бы проще (лучше)

всего.

- Looking forward to hearing - С нетерпением жду вашего

from you again. звонка.

 

 

Unit 4 Insurance

 

AGENDA

 

Warm-up

Vocabulary

Reading

Comprehension

 

Speech Practice

 

Dialogue

Role -Play

Appendix 4

 

Vocabulary Revision (Units 3-4)

 

 

Section Overview Developing Vocabulary Insuring Goods Reading for a Gist Understanding the Reading Scanning

 

Reading for Detail

Say it in English

Presentation 4

 

Making an Insurance Claim Promotion of Sales

Some Phrases Used in Telephone Conversations

 

 

Warm-up

 

Section Overview

 

Insurance is becoming more and more significant for our life. We insure goods produced and goods bought, for instance automobiles. Our lives and health can also be insured. In this unit you will discover why insuring goods is an advantage for both sellers and buyers. You will read about some types of insurance coverage, as well as about in-surance documents.

 

4.1.1. Discuss the following questions; make use of the prompts in brackets.

 

1. What do you think goods should be insured for?

 

(to get a compensation, to protect against financial loss, if something goes wrong, through no fault of a buyer or a seller)

 

2. What is insurance surveyor supposed to do, to your mind?

 

(to come to inspect the goods, to examine the packing and the contents, to make a report on damage)

 

Vocabulary

 

 

accident n – несчастный случай

arise v – возникать, появляться

call in ph.v. – приглашать

 

cargo n – груз (корабля или самолета) cause v – быть причиной, вызывать chipped part II – битый, отколотый circumstance n – обстоятельство

 

claim n – требование, претензия, притязание, иск clause n – пункт договора

 

consignee n – грузополучатель consignment n – груз, партия товаров content n – содержание

contract n – договор

cover v – покрывать

 

crate n – деревянный ящик, упаковочная клеть damage n – вред, повреждение, убыток ущерб

 

damage v – повреждать, портить; наносить ущерб, убыток delay n – задержка, промедление

denote v – показывать; означать, значить evident adj – очевидный, явный

fault n – вина

 

for the sake of doing smth. – ради чего-либо freight n – фрахт (стоимость перевозки) handling n – обращение, уход hazard n – риск, опасность

 

indemnity n – возмещение, компенсация, страховая выплата (стра-ховка); гарантия от убытков

 

inspect v – инспектировать, производить осмотр insurance adjuster – страховой агент

 

 

insurance n – страхование

 

insure v – страховать, застраховывать loss n – пропажа, потеря, урон

 

neglect v – пренебрегать, не заботиться о чем-либо otherwise conj – иначе; или же, в противном случае owner n – владелец, собственник

partial adj – частичный

 

particular adj – особый, специфический party n – сторона, участник договора pilferage n – мелкая кража policy n – полис (страховой)

precisely adv – именно

preserve v – сохранить

 

procedure n – процедура, образ действий proof n - доказательство

 

proper adj – правильный, надлежащий property n – имущество, собственность reason n – причина, повод, основание replacement n – замена

report v – сообщать

 

represent v – представлять, отражать responsibility n – ответственность scratched part.II – поцарапанный separately adv – отдельно

set v – устанавливать

 

shipment n – партия товара; погрузка, отправка spoilt adj – испорченный

 

Developing Vocabulary

 

4.2.1. Consult the dictionary and practise the pronunciation of the following words.

 

Insurance, business, in return, idea, to happen, to neglect, in transit, risk, burglary, hazard, vibration, trailer, container, to disappear, consequently, to protect, to calculate, percentage, total, sum, proce-dure, particular, extraordinary, expenditure, to throw, to lighten, quantity, adjuster, protection.

 

4.2.2. Match the English word combinations in the left-hand columnto the Russian equivalents in the right-hand column.

 

1.	to cause loss of money	a.	все заинтересованные сто-
2.	to be damaged through		роны
	different reasons	b.	предоставлять	доказатель-
3.	a small part of consign-		ство
	ment	c.	оспорить в суде предъяв-
4.	the total contents		ленный иск
5.	to protect against finan-	d.	поцарапанные	товарные
	cial loss		единицы

6. through no fault of smb.e.требование о компенсации

7.	for the full amount of	f.	вызвать потерю денег
	their value	g.	не по чьей-либо вине
8.	the cost of freight	h.	быть поврежденным по раз-
9.	a reasonable profit		личным причинам
10.	a particular lot of goods	i.	на каждую партию товара
11.	all the parties interested	j.	стоимость перевозки
12.	to cover a large quantity	k.	плохое обращение (с това-
	of goods for a fairly		ром)
	long period	l.	при этих обстоятельствах

13. for each shipment of m. покрывать большое количе-

	goods		ство товара на достаточно
14.	to give proof		продолжительный период
15.	poor handling	n.	быть в хорошем состоянии
16.	to be in good condition	o.	разумная прибыль
17.	under these circum-	p.	на полную величину их сто-
	stances		имости
18.	a disinterested person	q.	незаинтересованное лицо
19.	to inspect the packing	r.	проверить (осмотреть) упа-
20.	a report on the damage		ковку

21. a claim for compensa- s.отчет о нанесенном ущербе

	tion	t.	определенная партия товара
22.	scratched articles	u.	защитить от финансовых
23.	to jeopardize a claim		потерь
		v.	все содержимое
		w.	небольшая часть груза

 

 

Reading

 

Insuring Goods

 

1 __________

 

Speaking about insurance, we mean a kind of business of insur-ing either lives or property against harm, damage or loss in return for the payment of a sum of money. The general idea of insurance is to provide indemnity in the case of any happening that may cause loss of money.

 

2 __________

 

Insurance is becoming more and more significant as commerce is developing. Neglecting to insure goods either warehoused or in transit is all very well until something goes wrong. While goods are being stored, there are risks of fire and burglary. With the goods in transit a great number of hazards also arise. While transporting, the goods may be damaged through a lot of reasons; for example, vibra-tion, an accident, poor handling, change of temperature, etc. And, of course, there is always the threat of pilferage when either a small part of consignment or the total contents of trailers or containers disappear without trace. Consequently, the reason for insuring goods is evident

 

— both the buyer and the seller are protected against financial loss which may arise through no fault of them. Goods are normally insured for the full amount of their value, which is calculated as following: price of goods + cost of freight + insurance premium + percentage of the total sum to represent a reasonable profit for the seller.

 

3 __________

 

There may be different types of insurance coverage: insuranceagainst fire, theft/burglary insurance, accident insurance and a lot of others. But the usual procedure is to insure goods against all risks. This type of insurance involves a W.A. clause (= “ with average”, where the word “average” derived from French avarie means damage), which denotes that insurers pay claim for partial losses. The F. P.A. (“ free ofparticular average”) type of insurance means that partial losses are not covered. Particular average denotes partial loss or damage accidentally caused to a particular lot of goods. The responsibility for particular

 

 

average is set either upon the owner of the lost property or those who caused damage. In the case of general average, which means any ex-traordinary loss, damage or expenditure for the sake of preserving the ship (or any other kind of transport) and the cargo, all the parties inter-ested are responsible. The following events may serve as examples of general average: when goods are thrown into the sea to lighten the ship, when cargo is damaged by water used to put out a fire, the cost of tow-ing a ship into the port for repair, etc.

4 __________

 

The principal document used in insurance is insurance policy which acts as a contract. The policy may be known as a floating policy, when it covers a large quantity of goods for a fairly long period, usually a year, or it covers goods up to a large sum of money. For each ship-ment of goods another document is issued, which is called the insur-ance certificate. There is also a cover note that is a short printed docu-ment issued by the insurance adjusters to their customers, to tell them that their goods are insured, and to give the proof of this as well as all the insurance protection until a proper insurance contract (policy) is ready.

 

Notes on the Text

 

1. insurance premium – страховая премия (деньги, выплачива-емые застрахованным лицом страховой компании согласно условиям договора)

 

2. insurance coverage – страховое покрытие

3. insurance against fire – страхование от пожара

 

4. theft/burglary insurance – страхование на случай кражи

5. accident insurance – страхование от несчастных случаев

6. against all risks – страхование от всех рисков

7. “with average” – включая частичные повреждения

 

8. “free of particular average” – не включая частичные повре-

ждения

 

9. floating policy – генеральный страховой полис

10. insurance certificate – страховой сертификат

11. cover note – «ковернот», свидетельство о страховании

 

Comprehension

 

4.4.1. Reading for a Gist

 

Choose the most suitable heading from the list A-E for each part (1-4) of the text. There is one extra heading which you do not need to use.

A. The Reason for Insuring Goods

 

B. Insurance Documents

C. Calculating an Insurance Premium

D. The General Idea of Insurance

 

E. Different Types of Insurance Coverage

 

4.4.2. Understanding the Reading

 

Give extensive answers to the questions. Use the following expressions to start your answers:

From my point of view …,

I reckon …,

 

As far as the … is/are/ concerned, I should say…, According to the text …,

It should be mentioned that …,

The explanation for this is quite simple, it is ….

 

1. What do you understand by insurance as a kind of business?

 

2. What is the general idea of insurance?

 

3. What kind of hazards can arise while goods are being stored or

are in transit?

4. Can you name the reason for insuring goods?

5. How are goods normally insured?

6. How is insurance value calculated?

7. What types of insurance coverage are known to you?

8. What do W.A. and F.P.A. clauses mean?

9. What's the difference between a particular average and a gen-eral average?

10. What kinds of documents are issued by insurers?

11. Which document proves that the goods are insured in case the proper insurance policy is not ready?

 

4.4.3.Scanning

 

Scan the text and complete the sentences below.

 

1. Neglecting to insure goods ….

a. is very well in any case

b. is very well except when goods are in transit

c. is not very well only when there is a risk of fire

d. is very well until any happening may cause loss of money

2. Insurance provides both the buyer and the seller with ….

a. satisfaction from a deal

b. indemnity in case the goods are damaged through no fault of them

 

c. insurance premium in case they lose their money

d. protection against financial loss which may arise through the party`s fault

 

3. Goods are normally insured ….

a. for half of the amount of their value

b. for the full price of them

c. for their reasonable profit

d. for their full value

4. People usually insure goods against….

a. fire

b. burglary

c. all risks

d. accident

5. In case of particular average ….

a. all the parties interested are responsible

b. the insurance company is always responsible

c. the owner of the lost property or those who caused damage are responsible

 

d. there is not any possibility to get indemnity

6. The example of general average is ….

a. when goods are damaged with fire

b. when goods are thrown into the sea to lighten the ship

c. when goods are damaged through poor handling

d. when goods are stolen

7. A floating policy covers ….

a. a small quantity of goods for a long period

b. a large quantity of goods for one delivery

c. a large quantity of goods for a long period

d. a small quantity of goods for a short period

 

4.4.4.Reading for Detail

 

Explain the meaning of the following terms:

 

1. insurance

2. indemnity

3. full amount of the goods` value

4. insurance premium

5. W.A. clause insurance

6. F.P.A. clause insurance

7. an insurance policy

8. an insurance certificate

9. a cover note

10. insurance adjusters

 

Speech Practice

 

4.5.1.Say it in English

 

А. Страховая выплата, страховое дело, страховая премия, страхо-вое покрытие, страхование на случай кражи, плохое обраще-ние с товаром, при транспортировке; доставлять товары мор-ским, воздушным, сухопутным транспортом; возмещать убытки, повредить партию товара, вычислять величину пол-ной стоимости товара, удовлетворять (выплачивать) иск.

 

В. 1.С развитием коммерческой деятельности страхование това-ров стало неотъемлемой частью нашей жизни. Основание для страхования товаров очевидно, поскольку подобная услуга обеспечивает защиту, как покупателю, так и продавцу от непредвиденных финансовых потерь.

2. Выплачивая определенную денежную сумму страховой ком-пании согласно условиям договора, застрахованное лицо, в свою очередь, получает гарантию возмещения убытков в случае нанесения ущерба по независящим от него причинам.

3. Товары обычно страхуются на величину своей полной стои-мости, которая высчитывается определенным образом.

4. Существуют различные типы страховых покрытий: страхо-вание от пожара, страхование на случай кражи, страхование от несчастных случаев, при этом страхование от всех рисков является самым распространенным типом страхования.

5. Договор страхования от всех рисков содержит пункт «вклю-чая частичные повреждения», который показывает, что

 

страховая компания удовлетворяет иски даже за частично понесенные потери.

 

6. В случае повреждений, нанесенных определенному виду или части товара, ответственность за ущерб несет либо владелец испорченного товара, либо лицо, причинившее ущерб.

7. Термин общая авария означает любую чрезвычайную ситуа-цию, следствием которой стали повреждения товара или де-нежные затраты с целью сохранить средство перевозки.

8. Основным страховым документом является страховой полис, при определенных условиях договора, который еще называ-ют генеральный страховой полис.

 

Presentation 4

 

Sum up everything you came to know about insurance. What kind of business is it? Does it make sense to insure goods? Give your reasons. Make up a presentation on the topic “Insurance”. It is a good idea to add the knowledge you possess on the subject to your presenta-tion. Address the audience with your speech, using the following helpful phrases:

 

Topic sentence:

 

· The emphasis of this text is …

· The major point here is …

 

· The text tells the readers about …

 

· The text considers the subject of …

 

Developers:

 

· Let`s clear first of all over the parts of the text. There are four of them and they are …

 

· At first, the point (question) of … is brought up.

 

· With reference to (a part of the text) I should say …

· In regard to the fact that …

 

· At the same time…

· What is more …

· I must emphasize that …

 

· As a matter of fact,…

 

 

Restatement and conclusion:

 

· In conclusion / in summary …

· As it was already previously stated, …

 

· In the end …

· To put it briefly …

· Altogether, …

 

· It seems to me that …

· As far as I am able to judge …

 

 

Dialogue

 

Making an Insurance Claim

 

 

— Look, it's all very well if the goods collected from the port, airport or whatever station is agreed upon are in good condition. But what if as a consignee I got my goods damaged? What am I supposed to do under these circumstances?

 

— The most reasonable action of yours in this situation is to make aninsurance claim.

— What do you mean by making an insurance claim?

— This procedure includes two essential steps. The first one is to call in a properly qualified and disinterested person who will in-spect your cargo.

 

— What kind of person is he?

— We call him an insurance surveyor. He must be employed by a company which has insured your goods.

 

— Why is it necessary to call in a surveyor to inspect the goods?

— No insurance company will ever pay compensation unless they receive a report on the damage from a surveyor. If they didn't re-quire such a report they would soon be out of business, because it would be very easy for buyers to say that the goods had arrived damaged and then put in a claim for compensation.

 

— Oh, I see. And what precisely should the surveyor inspect?

 

— He should inspect the packing — cases, boxes, crates, bottles, etc.

 

— and the contents and report on the nature and extent of thedamage⁵.

— That's clear. Well, what is my second step?

 

— You must also report the damage to the sellers. If you are not able to sell the damaged goods you may ask for replacement for which you will pay separately, setting the amount of the indemnity against this additional payment to be made.

 

— What about the spoilt goods? Am I to send them back?

— Not necessarily. If the articles have been scratched or chipped, that is partly damaged, you can try to sell them at a considerably re-duced price. And there is one more very important thing to be done. If you consider to make a claim, do it without delay, other-wise your claim on the insurers may be jeopardised.

 

Notes on the Dialogue

 

1. to make a claim — предъявить претензии, возбудить иск

2. an insurance surveyor — страховой инспектор

3. a report on the damage — отчет о понесенном ущербе

 

4. to put in a claim for compensation — выдвинуть требование о компенсации

5. the nature and extent of the damage — характер и размеры по-

несенного ущерба

6. to jeopardise a claim — оспорить в суде предъявленный иск

 

Exercises on the Dialogue

 

1. Give English equivalents to the following Russian words and expres-sions:

 

Послушайте, быть в хорошем состоянии, испорченный, следует делать, при данных обстоятельствах, наиболее разумное, предъявить претензии, два обязательных шага, незаинтересован-ное лицо, производить осмотр товара, страховой инспектор, наня-тым компанией, почему необходимо, выплачивать компенсацию, получить отчет о понесенном ущербе, именно, упаковка, содер-жимое, ясно, быть неспособным продать, платить отдельно (до-полнительно), установить размер компенсации, как насчет, ото-слать обратно, частично испорченный, сниженная цена, без про-медления, приглашать.

 

2. Choose words from the list to fill in the gaps, then use the phrases to make sentences: