Task 8. Put the verbs in brackets into the Present Simple or the Future Simple.

1. We will leave (leave) as soon as he arrives (arrive).

2. He says he … (telephone) us before he … (leave) the airport.

3. She … (stay) at home until she … (feel) better.

4. “When … (you/visit) them?” “Probably next week.”

5. When he … (finish) school he … (go) to university.

Task 9. Complete the sentences about what Megan will be doing next week / will have done before her parents get back from their holiday. Use the verbs in brackets in the Future Continuous or the Future Perfect.

1. Megan will be leaving home early on Monday morning.

She will have left home by 9 o’clock in the morning.

2. Megan … (water) the plants this evening.

She … (water) the plants by the end of the day.

3. Megan … (clean) the house after she comes from the university on Wednesday.

She … (clean) the house by Wednesday evening.

4. Megan … (do) the shopping on Saturday morning.

By Saturday afternoon, she … (do) the shopping.

5. Megan … (watch) a DVD with some friends on Sunday evening.

By the end of the weekend she … (watch) a DVD with some friends.

Task 10. Complete the dialogue using the correct future form.

A: What 1) are you doing (do) tonight Bob?

B: I 2) … (try) to finish my homework because I 3) … (go) to my cousin’s wedding on Saturday because I 4)… (not/be able) to do it then.

A: What time 5) … (the wedding/start) on Saturday?

B: The ceremony 6) … (begin) at 2 o’clock. Afterwards we 7) … (go) to the reception.

A: 8) … (any of your friends/be) there?

B: No, but my cousin says I can bring a friend. 9) … (you/do) anything on Saturday night?

A: No, but I 10) … (feel) shy not knowing anyone else there.

B: Don’t worry. It 11) … (be) a big party and I’m sure you 12) … (have) a great time.

A: OK, then! Thanks for inviting me.

PART 2

Text B

Essential vocabulary

abandon abandonment Act of God/force major circumstances addendum to (pl. addenda) amendment to assess the damage average   bring an action against   cancel a policy claim for damages   come to an end complete waif (for ships) cover current/present value damage damages   date of expiry disclaim any liability erroneous statement expiry of a policy flotsam     franchise get insured incur a loss insurance insured party insured value issue a policy jetsam     jettison the cargo liability litigation loss meet a claim mutual consent at a month’s notice notification of loss loss (partial, total) policy holder premium renew a policy run aground settle a claim shipwreck subscribe a policy survey report   surveyor take out an insurance … with a company … against a risk terms of the policy underwriter write-off (for cars)

відмовлятися відмова форс-мажорні обставини   доповнення поправка визначати суму збитку аварія (збитки, заподіяні судну, вантажу й фрахту) збуджувати дії проти, притягати до суду скасовувати поліс позов про відшкодування збитків закінчуватися цілковитий уламок покривати поточна вартість збиток, втрата, ушкодження  компенсація/відшкодування збитків; збитки термін закінчення заперечувати відповідальність помилкове твердження закінчення терміну дії полісу вантаж, змитий з корабля  або викинутий в море під час аварії привілей, франшиза застрахуватися зазнати збитків страховка застрахована сторона страхова сума видавати страховий поліс вантаж, скинутий з корабля під час аварії і прибитий до берега викидати за борт під час аварії відповідальність позов втрата відповідати на позовну заяву взаємна згода з місячним повідомленням повідомлення про втрату втрата (повна, часткова) власник страхового полісу страховий внесок відновити страховий поліс піти на дно, затонути вирішувати спір корабельна аварія виписати страховий поліс звіт про обстеження, інспектування контролер, інспектор застрахуватися … у страховій компанії … проти ризиків умови страхового полісу страховик розбитий автомобіль

Using essential vocabulary read and translate the text.

Insurance

       Sending goods by sea, air, road or rail makes it necessary to take out an insurance – or “get insured*”, “subscribe a policy” – with an insured company against any risk during transport. Shippers need not contact the insurer directly (or the underwriter as they are often referred to in marine insurance), instead, they can get in touch with an insurance broker who will act as middleman between the company who will issue the policy and the insured party – or “policy holder”.

       When subscribing a policy, the shipper must make sure that the terms of the policy, or contract, cover all the risks that may occur. In particular, he must be aware of the distinction between the current value – or “present value” – of the goods and their insured value. In case of damage, the compensation may vary significantly according to the terms of the policy agreed on. However, should the subscriber desire an alteration to these terms, he can still ask his company for an addendum – or “amendment” – to the original contract.

       Together with the risks covered, the policy should define the price to be paid by the insured party (“the premium”), the amount of the franchise* for any damage and the date of expiry of the policy. Most often, you can renew a policy yearly by mutual consent of the two parties. However, any of the parties can decide to cancel the policy by sending a letter of cancellation to the other party at, say, a month’s notice.

       When an average takes place, the incurred party will send the insurer a claim for damages – also called “notice for claim” or “notification of loss“. In order to meet this claim – or “settle the claim” -, the insurer will ask a surveyor to assess the damage in a survey report. The compensation will vary according to the degree of the damage and it be partial or total loss.

       The surveyor will also have to define the liabilities. When an Act of God (when nobody can be held responsible for the average) is recognized, e.g., one of the parties may disclaim any liability for the loss. Sometimes, the ship’s captain may have had to decide to jettison the cargo in order to prevent shipwreck (prevent the ship from sinking or running aground), which would have resulted in higher damage, i.e. the ship becoming a wreck – or “a complete waif”. (Note that for cars or lorries, the insurance company would refer to a complete waif as a “write-off”).

       In some cases, the injured party may prefer the compensation to keeping the damaged goods, in which case he will abandon the goods to the company.

       Should the injured party make an erroneous statement to the insurance company in the hope for receiving a higher compensation, the insurer will consider this a case for litigation and may bring an action against the party at fault.

Note:

*In both British and American English “ensure” means “to make certain”. In British English “insure” is only used to mean “to protect against loss or damage by means of insurance”. E.g.: “She insured her camera for five hundred dollars”. However in American English “insure” is used with both these meanings.

*franchise – an authority that is given by a company to someone, allowing them to sell its goods or services in a particular area

2. A. Find in the text terms concerning the insurance sphere and translate them into Ukrainian.

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