[img]2022m3x/ct_ve01202001m_eillist_0711_220329[/img] [br] [originaltext](Sales

(Sales Assistant=S    Customer=C)
S: Good morning. Take a seat. I see you’ve picked up some of our brochures.
C: Yes. I’ve been reading the one on travel.
S: Would the travel insurance be for you, or for your family as well?
C: Just for me.
S: So, individual?
C: That’s right.
S: Are you looking for a basic or a comprehensive policy?
C: To be honest, I’ve had basic in the past, but it didn’t pay out very much.
S: That’s often true. With our company, you can be insured for different amounts. For instance, in Section 1: Baggage and personal effects, you can be insured for all five subsections or for as few as two.
C: I think I’d like insurance for all five since I’m going to some unsafe places.
S: Wise decision.
C: By the way, can a camera be counted as a single item, or must it be included in Cameras and portable electronic equipment?
S: If you have an expensive camera, you can nominate it as a single item. Our maximum payout is $1,500.  Occasionally, people have their camera and computer stolen together. If insurance is only taken out on Subsection 2, this may not cover the replacement of both things.
C: That’s what happened with my previous policy. However, in that one, there was a higher limit forlost or stolen money: yours is only $700.
S: These days, with credit cards, people don’t carry much cash,so we’ve set the limit accordingly. Still, we pay out well for Documents.
C: Indeed. In the Disrupted travel section, ‘reasonable costs’ is written for a missed connection or an early return, instead of an amount of money. What exactly are reasonable costs?
S: Put it this way: if you miss your flight due to poor weather that is verifiable, we pay $300 per day of lost time. If you arrive at check-in as the aircraft is leaving because you overslept, we still pay out, but only $100 a day. We rely on information from the airline to determine this.

S: Are you also interested in vehicle insurance?
C: Yes, I am. I’m about to buy a nice old car — a vintage Jaguar XJ6.
S: Hey, I used to have one of those although, nowadays, I prefer old motorbikes. Did you know you can insure a vehicle on its own, or you can include it in our Multi-saver policy, along with your house and contents?
C: Yes, I saw that. It’s true I’m buying an expensive car, but I rent my house, so I’m not ready for Multi-saver.
S: I understand. Have you decided which level of cover you’d like for your car?
C: Top cover.
S: Are you sure? It is pricey.
C: I know, but last time I had insurance, I wasn’t covered for storm damage.
S: Don’t tell me that was just before the November hailstorm!
C: Uh huh. So, I need storm damage insurance. Also, I’d like my policy to start as soon as I’ve
paid for it. With my old one, there was a stand-down period of two weeks. Would you believe, I backed into a wall just three days after I’d taken out the policy? S: Oh dear.
C: Then, I spent months fighting with the insurance company over the value of my car. I know it wasn’t worth much, but it was relatively new.
S: If you choose Top Cover, we agree on a value for your car, and renegotiate each year to avoid disputes. Again, it’s not as cheap as some, but the policy works out better in the long run.