Lee aquí la
historia de la empresa en la cual vas a
trabajar durante 15 días.
Realiza todas las
actividades de cada día de trabajo y
consulta las respuestas.
tu examen final únicamente cuando hayas
completado las 15 lecciones de este curso.
In this first step, you will read carefully the presentation of this
unit (phrasal verbs have been highlighted in yellow). A full
glossary below will help you understand it better. To get
information in Spanish, just place the arrow of your mouse on any
highlighted word without clicking.
Some weeks ago a
lorrycarrying Harper & Grant's goods was
hijacked on the road. Now there
is a further development of this which concerns the insurance.
Every firm insures itself against loss or damage to its property.
Harper & Grant's
insurance brokers had arranged a
blanket insurance with a syndicate of Lloyds underwriters. Blanket
insurance means insurance which covers everything, a comprehensive
Harper & Grant make a statement at the end of an accounting period
(say once a month or once a quarter) of the total value of all goods
handled. The premium is then paid as a percentage of the total value
of goods. Lloyds, of course, is a huge insurance organisation in
London. Within this organisation,
underwriters, or insurers, work
independently, although they are grouped in
When the lorry was found abandoned, with its spoiled load of office
adjusters came in. The
underwriters employ a firm of adjusters whose job is to assess or
value the loss or damage. The sum they give will not usually be as
much as the full insured value of the goods or property. They will
take into account, among other
things, the depreciated value: for example, the value of the lorry
gone down because it is two
years old. However, in this case the lorry is a
write-off, a total wreck and
impossible to repair.
But this does not concern Harper & Grant, because the lorry belonged
to Andersons, the transport company from whom they hire vehicles.
But the load of office furniture does concern them. They have
already had to replace the load, which was wanted urgently in
When a company, or a person,
takes out an insurance policy
it is very often an
that is, it insures the goods or property against almost anything
that could happen. But most insurance companies
put in some exceptions,
outbreak of war or Act of God
(something out of the ordinary which cannot be considered a normal
risk). When an accident or robbery
takes place the injured party
puts in a claim to the insurance company. If the insurance company
agrees to pay it is said
meet the claim. Notice, first you
take out a policy, then you put in a claim, and the insurance
company, you hope, agrees to meet the claim.
About two weeks after the following incident Mr. Buckhurst received a
telephone call from the police in Carlisle. Thanks to the driver's
description of the man who
a lift, the police were able to arrest the entire
They discovered them in Carlisle, where they were busy changing number
plates and re-spraying two stolen lorries, so they will not be doing
any more hijacking,
for the time being, anyway.
lorry (UK) = truck (US): a big vehicle suitable for transportation
or hauling (camión); hijacked: taken by force a vehicle in transit either to rob it
or divert it to an alternate destination (secuestrado);
as agents between the client and the insurance company(corredores de seguros);
people who take the risks of insurance. If there are no claims they
make a profit. If there are a large number of claims they make a
loss(aseguradores, compañía de seguros);
a group of people working together and pooling their resources; in
this case a group of insurance underwriters(sindicatos);
an independent firm who assess the damage to property,
to take into account: to consider, to pay attention to
(considerar, tener en cuenta);
to go down: to depreciate (depreciarse, disminuir el valor);
something which can no longer be considered to have any value. In
this case, a lorry or truck
which has been so badly damaged that it can be written off
(dado de baja);
to take out: to
obtain a legal document
(asegurarse, contratar un seguro);
a policy which covers all possible normal dangers with the
exception of war, Act of God, etc. (póliza contra todo riesgo);
to put in:
(colocar, establecer normas, presentar quejas, papeles o pedidos
para la aprobación);
outbreak: a sudden violent spontaneous occurrence (estallido,
to take place:
(ocurrir); to meet the claim:
to pay the amount asked for
(pagar o cancelar el reclamo);
to ask for:
(pedir); for the time being: temporarily, for the moment
(por el momento, por ahora).
Listening for Gist
In this second step, you will listen through this conversation.
Don't worry about understanding every word they are saying. Now,
just relax, start listening to the audio file and try to understand
the general meaning.