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BUSINESS ENGLISH · BUSINESS VOCABULARY · INTERMEDIATE (B1-B2)

INSURANCE

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1 Insurance words

Match the words on the left with the definitions on the right:

1. a claim a. a demand for money from an insurance company

2. a premium b. a document detailing the terms and conditions of an

insurance contract
3. a broker c. a large payment of money, especially as compensation

4. a policy d. an amount to be paid for an insurance contract

5. theft e. a person who sells insurance from different insurance

companies and earns a commission
6. a payout f. physical harm to something, which reduces its value or
usefulness
7. damage g. protection provided against risks

8. coverage h. the action or crime of stealing

9. a deductible i. the amount you have to pay out-of-pocket for expenses

before the insurance company will cover the remaining costs

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INTERMEDIATE (B1-B2)

INSURANCE

2 Insurance collocations

Now complete the questions below with the verbs in the correct form.

buy cover insure against make

pay receive reduce take out

1. What happens if you don’t take out an insurance policy on your car?
2. With car insurance, is it better to theft or damage, or both?
3. How can you your premiums without losing coverage?
4. Do you personally have any insurance policies that theft?
5. Is it better to from a broker or directly from an insurance company?
6. Do you or your family have any insurance policies where you have to a deductible
before the insurance company pays the rest of the claim amount?
7. Have you ever a claim for something?
8. Have you ever or do you know anyone who has a compensation payout for
something?

In pairs, ask and answer the questions.

3 People in insurance

Form sentences by matching the people on the left with their activities on the right:

1. A broker assesses the amount of compensation that should be paid after a person has
made an insurance claim.
2. A policy holder evaluates the risks of insuring a particular person and uses that information
to set premium pricing.
3. A third party makes a claim with an insurance company.

4. An underwriter pays the premiums and has the right to make claims.

5. A claimant receives insurance protection from someone else who has purchased an
insurance policy.
6. A loss adjuster will advise you about different companies and their policies.

4 Motor insurance dialogue

Read the dialogue on the next page. What do you think the words and phrases in bold mean?

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INTERMEDIATE (B1-B2)

INSURANCE

Agent: Good morning. Claims department. How can I help you?

Claimant: Hello, my name is Alexander Strauss. My car was involved in an accident earlier today,
and I’d like to make a claim on my policy.
Agent: Can I have your policy number?
Claimant: Yes, it’s PL6746382.
Agent: Thank you. Could you give me some details about what happened?
Claimant: Well, while I was pulling out of a parking space, I turned the wheel too early and hit the car
next to me. There is some damage on the side of my car and her bumper is also damaged.
Agent: Was anybody injured?
Claimant: No, there was just damage to the cars.
Agent: Okay, so this was an at-fault accident.
Claimant: Yes, that’s right. The other driver has my telephone number and a copy of my insurance
policy.
Agent: Right, let me just check something. Bear with me a moment.
Claimant: Sure.
Agent: Right. Well, you have third-party insurance so your policy will cover the total cost of
damages. The other driver should file a third-party claim with us.
Claimant: Where should I take my car to be repaired?
Agent: We work with a number of authorised service centres in your area. I will send you a list
by email this afternoon.
Claimant: Okay, thank you.

5 Funny motor insurance claims

Look at the extracts below from real motor insurance claim forms. Discuss with a partner if you think
the claims should be accepted.

1. Going to work at 7am this morning I drove straight into a bus. The bus was 5 minutes early.
2. I started to slow down but the traffic was more stationary than I thought.
3. I didn’t think the speed limit applied after midnight.
4. I thought the side window was down but it was up, as I found out when I put my head through it.
5. In an attempt to kill a fly, I drove into a telephone pole.
6. On approach to the traffic lights, the car in front suddenly slowed down.
7. The car in front of me stopped for a yellow light, so I had no choice but to hit him.
8. The other car collided with mine without giving warning of its intention.
9. The pedestrian ran for the pavement, but I got him.
10. The pedestrian had no idea which direction to run so I ran over him.

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TEACHER MATERIALS · INTERMEDIATE (B1-B2)

INSURANCE

Key

1. Insurance words

Students can work alone and check in pairs.

1. a 2. d 3. e 4. b 5. h 6. c 7. f 8. g 9. i

2. Insurance collocations

2. insure against
3. reduce
4. cover
5. buy
6. pay
7. made
8. received

3. People in insurance

Students can work alone and check in pairs.

1. A broker −→ will advise you about different companies and their policies.
2. A policy holder −→ pays the premiums and has the right to make claims.
3. A third party −→ receives insurance protection from someone else who has purchased an insurance policy.
4. An underwriter −→ evaluates the risks of insuring a particular person and uses that information to set premium
pricing.
5. A claimant −→ makes a claim with an insurance company.
6. A loss adjuster −→ assesses the amount of compensation that should be paid after a person has made an
insurance claim.

4. Motor insurance dialogue

Students read the dialogue and try to work out the meaning of the bold terms from their context.

pulling out - leave a parking space

injured - physically hurt
at-fault accident - an accident that you caused
bear with me a moment - please wait a moment
third-party insurance - insurance that protects you if you accidentally cause damage to another vehicle
file a third-party claim - make a claim with an insurance company that is not your own

5. Funny motor insurance claims

This activity is designed to bring the lesson to a light-hearted close. Students read the funny quotes. You could
ask or encourage questions like ‘Is this an at-fault accident?’, ‘Does this explanation suggest damage or injury the
was intentional, not accidental, and therefore not covered by insurance?’, etc.

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