Marine insurance

1) Marine insurance is the oldest form of insurance. Back in the Middle Ages, ships were the most important form of transport and their cargo was often very valuable. Sometimes traders would even risk their whole capital with just one shipment. So somebody came up with the idea of forming a group to spread the risk – and marine insurance appeared. Very generally marine insurance works as follows: the ship and cargo owners (the insured) each pay a percentage of the value of their goods (the premium) into a fund administered by the insurance company (the insurer). If one of the insured then suffers a loss, he can claim compensation from the insurer for the loss. This means he will receive money from the fund to the value of the loss he suffered.

2) Some of the risks against which it is possible to take out insurance include: natural disasters (fire, floods, earthquakes etc.); loss of the goods through being washed over board; damage to the goods, for example, by breaking, bending; damage to the goods by vermin such as rats and mice; loss of the ship which transports the goods, for example, by sinking or collision with another ship.

Упражнение № 7. Выпишите из первого абзаца бессоюзные придаточные предложения.

Упражнение № 8. Прочитайте второй абзац, ответьте на вопрос:

What kind of damages can the goods suffer?

Вариант II

Упражнение № 1. Перепишите предложения. Переведите их, учитывая особенности перевода бессоюзных придаточных. Подчеркните придаточное предложение.

1) Manufacturers and businessmen cannot produce goods and services consumers do not desire.

2) We are sure a deposit account will save your money.

Упражнение № 2. Перепишите предложения. Подчеркните в них независимый причастный оборот. Предложения переведите, обращая внимание на особенности перевода указанной конструкции.

1) The prices being particularly favourable, suppliers regularly make special offers of their goods.

2) Capitalism may be characterized as an automatic self-regulating system motivated by the self-interest of individuals, this system being regulated by competition.

Упражнение № 3. Перепишите предложения. Переведите их, подчеркните глаголы “to have” и “to be” и определите их функцию в предложении.

1) The turnover is the total amount of money which the firm got from sales to its customers.

2) The bank has to send instructions to the bank of the supplier.

3) All the transfers of this businessman are carried out by the bank.

Упражнение № 4. Перепишите предложения. Переведите их, учитывая особенности перевода глаголов “should” и “would”.

1) If you send details of your product, your client would be grateful.

2) It is necessary that the letter should be sent as soon as possible.

3) We would like to supply your order from the stock as we did years ago.

4) You should grant special terms for these orders.

Упражнение № 5. Перепишите предложения. Переведите их, обращая внимание на значения предлогов, союзов, наречий.

1) The correspondence between two firms has been entertained for a long time.

2) We are interested in your product for we believe it could find a ready market here.

3) Since 1990 the company has begun to expand.

4) Since negotiations have been interrupted, the managers left the city.

Упражнение № 6. Перепишите и письменно переведите текст.

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