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咨询保险Consulting insurance

所属分类:保险语音:美音难度:初级
A
Good morning. I’d like to ask some questions about your insurance policies.

B
Of course. Please sit down. How can I help you?

A
I bought a house recently and would like to insure it and its content.

B
I see. Here’s a pamphlet about our home insurance policy. We’ve named our policy ”umbrella”. May I ask how much you paid for your home and where you live? These are the two main thing that decide how much your premiums are.

A
I understand. I live in the Oakfield area and paid $100,000 for my home.

B
Let me just check that on my computer. Oaksfield is a low risk area, so your premiums will probably be around $100 a month. The other thing to take into account is deductibles.

A
In this pamphlet it says that the minimum amount for deductibles is $2000. what does that mean exactly?

B
It means That the first $2000 of any claim you make must be paid by you. The insurance policy covers any amount above that, up to the agreed limit.

A
Oh, I see. That’s fine. What is the advantage of having higher deductibles?

B
If you have higher deductibles, your premium are lower, because you will pay more of the claim and we will pay less.

A
It seems that I should do some calculations before deciding. I presume that the insurance period can be for as long as we agree.

B
We initially sign one-year policies with our policyholders. These are renewable after the first year.

A
If I have a claim, how long does it take to make a settlement? I’ve heard that with some insurance companies, it can take monthes.

B
That is of great concern to out clients. We aim to satisfy all claims within a month, but we can’t guarantee that

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