时间:2018-12-05 作者:英语课 分类:保险英语


英语课

  [00:00.00]Shop around for the best car insurance

[00:03.16]Shopping around for motor insurance really pays.

[00:06.82]You might find a quote for half your present premium 1 if you just took time to make a few telephone calls.

[00:13.19]Research by Telesure,one of the new telephone-based insurance brokers 2,

[00:18.26]found differences in premiums 3 of more than 100 per cent in some cases,and 30 or 40 per cent in many.

[00:25.57]That can easily mean a saving of £100 or more."I think that rating,overall,is very random,"says Simon Ward,Telesure's chief executive.

[00:36.15]Insurers set their rates in line with their own claims' experience.

[00:40.59]So,if your insurer has had a lot of these from drivers with your model of car,

[00:45.87]or living in your area,your premiums could rise.Another insurer with far fewer claims would offer you a much better rate.

[00:54.13]But if your renewal 4 is due next month,and you start to shop around now,

[00:58.59]you cannot rely on getting the same rate in a few weeks.

[01:01.75]Premiums can change significantly from month to month,let alone year to year or between companies.

[01:08.81]There are many loyal (or lazy) customers who renew every year with the same company assuming that,

[01:14.55]if their premiums are rising,other companies will be raising rates in the same way.

[01:19.91]Unfortunately that is not necessarily the case:

[01:23.49]your own insurer will have no compunction about bumping up rates for existing customers,

[01:28.71]while a rival might be keen to attract new business and would make you a much better offer.

[01:34.30]Most insurers will accept transferred no-claims bonuses,so you do not have to feel tied.

[01:40.78]The motor insurance market is just emerging from a period of steep price rises-more than 20 per cent a year-

[01:48.09]to compensate 5 for horrendous 6 claim rates due to crime and the recession.

[01:52.80]The industry is also changing shape as the arrival of Direct Line,the cost-cutting,

[01:58.47]telephone-based direct insurer,and its imitators force the old giants of the insurance world to re-think their strategies.

[02:07.11]Some sections of the motor insurance industry are now murmuring about a price war.

[02:12.52]That could be exaggerated,but companies moving into the direct insurance market need to grab a big-enough share of the market to justify 7 the huge investment in computer systems,

[02:24.01]staff training and so on.

[02:26.42]The easiest way to build up market share is to offer low premiums,

[02:31.22]even if that means making a loss for the first few years.

[02:35.09]And if direct writers are lowering premiums,the rest of the industry will fight back.

[02:40.84]So,consumers could benefit,at least in the short term.

[02:44.68]Indeed,things are looking better for car owners than they have for some time.

[02:49.14]If insurers want to avoid a price war,they may start trying to compete on other factors,

[02:55.54]such as service-promising to offer smoother claims procedures,for example.

[03:01.05]This appears to be the direction being taken by the latest entrant to the direct market,Guardian Direct.

[03:07.40]It is,however,far less easy for consumers to shop around for good service than for low prices.

[03:14.04]The proof of good service really comes when you claim-which,with any luck,will be long after you have made your choice.

[03:21.59]There can be some confusion between direct insurers and telephone brokers,

[03:26.99]especially as both tend to advertise widely with cheap insurance offers.

[03:31.72]Direct insurers are those which sell only their own policies,and only directly to the consumer over the telephone.

[03:40.47]They cut out third parties,which reduces administrative 8 costs,and should allow them to charge less.

[03:48.10]Telephone brokers have access to quotes from many different insurers,

[03:52.59]and use a computer to find the lowest for you.

[03:55.94]Some of them deal with a select panel of a dozen insurers,while others quote for more than 100.



1 premium
n.加付款;赠品;adj.高级的;售价高的
  • 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。
2 brokers
n.(股票、外币等)经纪人( broker的名词复数 );中间人;代理商;(订合同的)中人v.做掮客(或中人等)( broker的第三人称单数 );作为权力经纪人进行谈判;以中间人等身份安排…
  • The firm in question was Alsbery & Co., whiskey brokers. 那家公司叫阿尔斯伯里公司,经销威士忌。 来自英汉文学 - 嘉莉妹妹
  • From time to time a telephone would ring in the brokers' offices. 那两排经纪人房间里不时响着叮令的电话。 来自子夜部分
3 premiums
n.费用( premium的名词复数 );保险费;额外费用;(商品定价、贷款利息等以外的)加价
  • He paid premiums on his life insurance last year. 他去年付了人寿保险费。 来自《现代英汉综合大词典》
  • Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。 来自《简明英汉词典》
4 renewal
adj.(契约)延期,续订,更新,复活,重来
  • Her contract is coming up for renewal in the autumn.她的合同秋天就应该续签了。
  • Easter eggs symbolize the renewal of life.复活蛋象征新生。
5 compensate
vt.补偿,赔偿;酬报 vi.弥补;补偿;抵消
  • She used her good looks to compensate her lack of intelligence. 她利用她漂亮的外表来弥补智力的不足。
  • Nothing can compensate for the loss of one's health. 一个人失去了键康是不可弥补的。
6 horrendous
adj.可怕的,令人惊惧的
  • He described it as the most horrendous experience of his life.他形容这是自己一生中最可怕的经历。
  • The mining industry in China has a horrendous safety record.中国的煤矿工业具有令人不安的安全记录。
7 justify
vt.证明…正当(或有理),为…辩护
  • He tried to justify his absence with lame excuses.他想用站不住脚的借口为自己的缺席辩解。
  • Can you justify your rude behavior to me?你能向我证明你的粗野行为是有道理的吗?
8 administrative
adj.行政的,管理的
  • The administrative burden must be lifted from local government.必须解除地方政府的行政负担。
  • He regarded all these administrative details as beneath his notice.他认为行政管理上的这些琐事都不值一顾。
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acera
ADACC
antitubercular agent
APRS (automatic production record system)
balance lug
ball cage
banks is.
baryta coated paper
begartered
benzer
bhattacharya
bill of lading freight
bloemspruits
boring machines
breckon
carbon dioxide refrigerating machine
churchill downss
cleaning cell
Cnephia
common mode input
convergency of symptom
country rock alteration
cut price offer
cystoscopic(examination)
D and D
Dahomey
decentralization of purchasing
delitos
dicolic
digestibleness
double head latch needle
Dover Castle
electronic time relay
facia
fern allies
flat iron
fleet streets
fraternal birth order effect
galumphing
gear driven pump
gross line
hughied
hybrid vigour
hydrated electron dosimetry
ICAM Definition Method
individual study
infeoffment
insulated value
justificatory
Kanniyakumari
knokke (knocke)
kokodo
largeend
lead by the nose
mallenders and sallenders
measure of area
method of reverse osmosis
Mohawk Valley
multi-drum winch
Nefretete
normal activity
onie
ozerov
panic grasses
parity drive
persevere in
platen
positive conditioned stimuli
pressure calibration
progressive wave motion
prolonge
pulse-free signal
quadrature hybrid
radiation measurement assembly
Radix motoria
read noise
red-graier
redioimmunoelectrophoresis
relay characteristics
rest-home
rototranslational
Salix opsimantha
scan image
scaningmgcroscop
screen-gri
scroll sheet liner
seable
sennin
spanne
strongly monotonic function
subsistence theory of wages
Sunipia bicolor
surrebutted
tea makers
Tenebrionoidea
thermometer correction
time fuse
travers-tile
tropical plant
undergeneralizing
working fluid heater efficiency
xylota formosana