Question

Помогите пожалуйста (вопросы к тексту и письменно ответьте на них ) Insurance of goods The export trade is subject to many risks. ships may sink, consignments may be lost or Damaged. So, the foods are usually insures now for the full value. The idea of insurance is to obtain indemnity in case of damage or loss. Insurance is against risk. While the goods are in warehouse. the insurance covers the risk of fire, burglary, etc. As soon as the goods are in transit they are insured against pilferage, damage by water, breaking or leakage. Other risks may also be covered. The insured is better protected if his goods are insured against all risks. The goods may be also covered against general and particular average. In the insurance business word average means loss. Particular average refers to risks affecting only one shipper's consignment. General average refers to a loss insured by one consignor but shared by all the other consignors who use the same vessel on the same voyage. Vocabulary: consignment - груз, партия товара insurance indemnity - страховое возмещение burglary - кража со взломом pilferage - мелкая кража leakage - утечка general average - общая авария particular average - частная авария ВОПРОСЫ: 1. What is the idea of insurance? 2. What does the word "average" mean in the insurance business? 3. What are the names of the biggest insurance companies in Russia?

Answer 1

1 The idea of insurance is to obtain indemnity in case of damage or loss .

2 In the insurance business the word "average" means loss.

3 в тексте нет названий страховых компаний((

Answer 2

1. The idea of insurance is to obtain indemnity (compensation) in case of damage or loss. It is a mechanism to protect against various risks that may occur during the export trade, such as sinking ships, lost or damaged consignments, fire, burglary, pilferage, etc.

2. In the insurance business, the word "average" means loss. There are two types of average mentioned in the text:

   • Particular average: It refers to risks affecting only one shipper's consignment. If a specific consignment suffers a loss, the insurance coverage will provide indemnity for that particular loss.
   • General average: It refers to a loss insured by one consignor but shared by all the other consignors who use the same vessel on the same voyage. In this case, when a peril occurs during the voyage, all the parties involved in the shipment proportionally share the loss, and the insurance may cover this shared loss.

3. The text does not provide information about the names of the biggest insurance companies in Russia. To find this information, you may need to refer to more current and specific sources related to the insurance industry in Russia as my knowledge only goes up until September 2021, and I don't have real-time browsing capabilities.