Insurance: Focus On Marine Insurance
Insurance: Focus On Marine Insurance
1 Read the text and decide if these sentences are true (T) or false (F). If there is not enough information,
choose ‘doesn’t say’ (DS). |
Insurance is a kind of financial protection for both individuals and businesses.
2 Adriver must have motor insurance for his/her car,
3 Acompany is not obliged to have any kind of insurance.
4 Insurance brokers work for insurance companies.
5 Insurance premiums increase annually. :
6 lt is necessary to renew insurance policies.
policyholder b (_]a demand for money under the conditions of an insurance policy
underwrite c [_] the amount of money to be paid for an insurance contract
m
insurer d [_] the person or company who offers advice and sells insurance compahy
st Lp
Focus on Marine insurance e time policy which is valid for a specified time period:
e valued policy where the value of the cargo and
Marine insurance, one of the oldest forms of insurance. consignment is indicated, so the amount of any
Exporters and importers doing international business compensation is known in advance;
need to organise their own marine insurance against the © unvalued policy where the value of the cargo and aa
risks of loss or damage to their goods in transit. There consignment are not indicated, so the amount of -
- are many different policies, with varying conditions and ompensation will be agreed after;
exclusions, but the principal forms are: ® floating olicy where a d amount
® voyage policy is an insurance cover for one particular e details of the ship, voyage etc. are
voyage; of departure. This is the most
commonn open pooy for meet shines
Pairwork Discuss with your partner about business insurance in your country.
Business insurance
mentioned previously, there are two types of compulsory
nsurance for businesses in the UK:
e Employers’ liability insurance. This insures all company
employees agatrstinjury, disease or death as a result of
their employment, workplace conditions or practices.
e Motor insurance. This is compulsory if the company
owns and operates any kind of vehicle on public roads.
However, no modern business would operate solely with
compulsory insurance. If something went wrong — a fire
in a production plant, the theft of goods, injury to a
customer — it would cost the company a great deal of
money and it could even force them out of business.
Therefore it is normal to take out insurance policies to
cover further risks and liabilities.The different kinds of
business insurancg Desdivided into three main areas:
5 Read the text and decide if these sentences are true (T) or false (F). If there is not enough
information, choose ‘doesn't say’ (DS). .
Lloyd's is the leading insurance company in the world. == |
SIN
Brokers are the people who negotiate insurance deals for policyholders.
Coverholders specialise in certain categories of risk.
OOM
6 Writing Find out about an important event in the history of Lloyd's (e.g. The Titanic, the 1906 San
Francisco earthquake). Write a report on what happened, how Lloyd's was involved, the insurance
premiums and claims, etc.
MY GLOSSARY
broker ['braukar] pioneer [,pareniar|
casualty |'kezjuslti] property ['propeti]
illness ['tnas] reinsurance [,ri:m'{a:rans]
injury ['mdzeri] theft [eft]
insurance [In'foarens| trustworthy ['trast,w3:6i]
leading [li:dm| underwriter ['anda,artar| Hy
liability [lata'brlati] |
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Safety Procedures
and Regulations
6 Readjthe text and decide if these statements are true (T) or false (F).
55
Road Safety
Road safety is something that concerns everyone, because we all use roads in some way — not everyone drives
their own means of transport, but most of us use public transport and everybody has to cross the road of course!
7 Pairwork Complete the table, by putting the safety features from the box in the right column.
_seatbeltS road signs cycling lanes speed bumps ABS guardrails brake lights
pedestrian crossings cycling helmets speed cameras airbags underpasses
seatbelts
~
A
8 Here are a series of common road signs. Match them to their meanings.
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Read the text about road and complete the sentencces.
— a a.
Of all the areas of human activity where safety is a concern, the field of ae
transport is probably the m ost important. Road accidents are one of the most
common causes of | death in the world, with an estimated 1 million
people dying in road-relate ae every year, so it is logical that a lot of
time and money are n constantly improving road safety across the
planet. Great developmen jth field have been achieved in recent times,
in particular with regard safety of vehicles and roads themselves —just
——
consider the airbag, ABS brak ing, improved road layouts, speed bumps, cat’s
eyes, better signposting, seit asphalt and in very recent times the
rk
10 Read the text about fleet mo itoring and answer the questions.
} Fleet Monitoring
HOW One controversial scheme for improving an aspect of road safety has
been the introduction of the so-called ‘fleet monitoring’. You may have |
AM | seen lorries, vans and other commercial vehicles driving on the streets
with a sign printed on them similar to the one on the left. This sign is an
|
|
DRIVING? invitation for the general public to inform transport companies of any
improper behaviour by their drivers. If you see a vehicle driving too fast,
For Compliments overtaking dangerously or not respecting signals or limits, then you can
or Concerns call the number on the sign to report the incident. This invitation to make
CALL the normal citizen responsible has proven to be very useful to transport
\ __/ companies who have to pay large insurance premiums and feel the need
to make sure that their drivers are behaving correctly and efficiently at all times. Of course, the scheme has
been criticised by many peop le, as they feel that it can be abused — some people have reported drivers simply
because they had an argumen t with them, for example; and others feel that it also encourages a form of
spying. Whatever you think the ‘fleet monitoring’ scheme is certainly popular with employers in the field, so
it appears destined to grow.
11 Speaking Prepare a short 0 ral presentation giving your opinion on the importance of road safety. Use
the information from the texts above and the expressions below to help you. |
| think that ... / In my opinio
I'm for/against fleet monito ring ., because ...
12 Here are some common railway signs. Match the signs to their meanings. Then read the text to learn
more about railroad safety.
1 railroad crossing 3 danger: high voltage
2 St Andrew Cross: stop and check for an 4 don’t cross the tracks
approaching train 5 step over the gap when getting on and off a train
A |i
Di
NO STEPPING OVER
13 Read the text about maritime safety and answer the questions.
The European Maritime Safety Agency (EMSA), based in Lisbon, provides support to the European Commission
in the development of EU legislation on maritime safety, pollution by ships and maritime security.
EMSA was set up in 2003 after two major accidents at sea: the Erika (1999) and the Prestige (2002)
accidents and their resulting oil spills. These incidents resulted in huge environmental and economic damage
to the coastlines of Spain and France.
EMSA’s main objective is to reduce the risk of maritime accidents, marine pollution from ships and the loss of
human life at sea.
14 (12 Listen to an expert talking about IMO and decide if these statements are true (T) or false (F).
Correct the false ones.
1 IMO means Insurance Maritime Organization.
2 \|MO is a European organisation.
3 Kt deals with pollution issues.
4. Construction standards are not among |IMO’s tasks.
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15 (13 Listen to an expert talking about safety in warehouses and complete the text with the missing
words and expressions.
Most people do not know that the (1) injury rate for the warehousing industry is (2)
than the average rate for industries in general. This may seem surprising but moving (3) and
materials can be a dangerous job! There are numerous potential (4) in warehouses including
unsafe use of forklift trucks, improper handling of materials, ergonomic hazards and slipping, tripping and
(5) . To reduce the risk of accidents it is essential that potential hazards are communicated
effectively to (6) by employers. This may be done in the form of training courses, manuals and
signs and (7) in the workplace. Many warehouse activities also require the use of safety equipment,
which must also be provided by the employer. These may include safety (8) _ respiratory protection,
(9) and special overalls. Electrical systems are particularly sensitive and should always come
with instructions for use, (10) and emergency procedures. In case of emergency it is especially
important that (11) are clear and accessible and clearly marked, and that (12)
extinguishers are available and in good working order.
L. = =
17 Writing Use the information from the text above to write a simple description explaining the meaning of
the following signs used in the workplace.
Veereeeeegl
CAUTION
SLIPPERY
FLOOR
Vere
eee eee
Fire exit
FIRST AID (1) §6Keep clear
18 Speaking Which of the above safety signs can you find in your school? Are there any other similar signs
or warnings? Can you describe them and their meaning?
MY GLOSSARY
accomplish [e'kamplif] provide [pra'vard] : Y ae
achieve [a'tfi:v] requirement [ri'kwatament]
ash [ze] rescue ['reskju:]__
clear [klia(r)] Z seafarer ['si:feara(r)] 2
compulsory [kam'palsari] speed bump ['spi:d bamp] :
draining asphalt [drenm ‘esfelt] = ===——_—_siip [slip] r es
frightened [frattnd] stall [sto:]]
injury [mndzari| trip [trp] ws
layout [leraut] _ weapon ['wepen] :
overall ['suvara:1] _
ee 59
Applying for a Job
eaCVv
ulum vitae, CV for short, is a brief summary of facts about
ur qualifications, work history, skills and experience. It is
have a good CV when applying for a job as it is your chance
rself and be selected for an interview. Some companies may
fill in an application form instead of sending a CV.
id be:
d on white paper and no more than 2 or 3 pages;
d correct;
and make a good impression, emphasising your strengths and successes;
ted to suit the specific job profile.
; Achievements/Skills/Competences
dress, phone number(s), email address and date of birth, This can include foreign languages and
computer skills, as well as things like
artistic or musical skills. ft is possible
the beginning of the CV. It is a short statement aimed at toBarannel
highlightor aprofessionel
particular achievement —
«which reacts |
you should use positive words and expressions. It must be
itten for the position you are applying for. well on your ability to do the job.
L 7 : Interests
practice to list your most recent job first, with the dates. It is not Hobbies or sports activities can help
‘0 leave any gaps between dates and if you do not have a lot of show particular abilities or skills which |
you should include details of part-time and voluntary work. cauld be relevant for the job.
| essi‘isésSOSCrRm
Example of a CV
Colin Smith
shift manager, logistics
Personal profile | am highly motivated and work well as part of a team. My professional experience at DeanAir Service
Inc. as a Shift Manager taught me to adapt to new situations and to work under challenging conditions
and high standard levels. | am now looking for a senior position to develop my career and duties.
Qualifications
2009 - 2012 Degree in Engineering, Operations, Six Sigma Certified
Manchester University
2006 - 2008 Class BS degree in Business Administration concentration in Operations,
Air Freight and German
Work history
November 2012 Shift Manager at DeanAir Service Inc., London
3 Pairwork Look at this CV and say whether it follows all the advice given on the previous page.
4 Speaking Now discuss the suitability of the candidate for the job advertised.
1 What position is being 7 ae
Colin Smith
7 High Street
Rochford
$54 7PT
ere you should refer Tel: 01702 986631
e advertisement colin.smith@virgin.net
Ms Zelda Gatsby,
d where you saw
Kraftyn Air,
it. Include the title of 83 Wimbledon Park Side, London
osition and any 17th April 20..
SW19 5LP
rence number.
Dear Ms Gatsby,
you can give a I am writing in response to your advertisement in The Guardian and wish to apply
details about your for the post of Senior Shift Manager.
qualifications and/or
ience. Since graduating with a first class degree in Business Administration in Luton,
then after my degree in Engineering from Manchester University, | have been
working as a Manager in Logistics, first at XStandard Logistics in Berlin then at
DeanAir Service Inc. UK. During both experiences, I have gained an excellent
s is your chance to understanding of Logistics and Operations.
ate why you would
e perfect for the T have always enjoyed new challenges and of course working as a part of a team
mpany. Do not just and I am confident that my experience of working in extreme conditions will
use the same letter for enable me to face the demands that the position entails.
ry job application.
Each letter should be Please find enclosed my Curriculum Vitae and I would welcome the opportunity to
tailored to the specific provide further information during an interview.
quisites mentioned
I look forward to hearing from you.
Yours sincerely,
Writing Think of a company you would like to work for and write a covering letter. Use these points to
help you:
you saw the advertisment on The Guardian;
you looked at a logistic professionals website;
you are interested to the open position of Air Export Gateway Manager;
you will be in London in two weeks so would be available for an interview;
you can currently speak English and Chinese;
you gained 3 years experience in the same role;
you are available in 3 months starting from today.
Tips For a Successful Interview
7 Pairwork Think of four tips for a successful interview and discuss them with your partner. Then, read
the article below. Are they the same?
8 Read the text and decide if these sentences are true (T) or false (F).
og a
Hf
1 Ajob candidate should ask about the company during the interview.
2 Interviewees make a good impression by dressing professionally for the interview.
3 Acall-back is a typical way for a job candidate to follow up after an interview.
4 Talking about career goals and salary is not recommended.
5 You'd better provide CV and references upon request.
6 Before the interview take the most of information on the company via web.
9 Roleplay Write a dialogue with your partner simulating the interview. Think about what to say, how to
dress and what questions to answer before the interview. After the interview, call your partner on the
phone and tell her/him everything went well and thank her/him for being helpful.
MY GLOSSARY
achievement [e'tfi:vmant] job advertisement [,dzpb ad'va:tisment]
application [zplikerfan] lead [li:d]
attire [a'tarat] motivated [mavtrvertid]
challenging ['tfelandz1n] prospecting [prospektin] _
entail [m'tedl] Cieee ite reference ['referans] emis 2
follow up [folevap] smoothly ['smu:dli] __
gateway ['geltwel| stand out ['stend avt] Z
high standard [har 'staendad]
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