Insurance in respect of the property will be carried out by the Society in accordance with the rules and the mortgage conditions with such insurance companies as the Society may determine. The Society has a wide experience of insurance companies and of the terms offered by their policies, and places insurance with many companies who are able to provide the cover which the Society considers necessary. You may like the Society to insure with a particular company, and if so please contact immediately the Branch Office to which you submitted your application for loan, and so long as that company and its terms are acceptable to the Society, cover will be arranged accordingly. If you should suggest a company and it is not one with which the Society does business you will be informed and offered a choice of other companies. You may request change of insurance company at any time during the life of the mortgage. If your mortgage is under the endowment (资助) scheme or supported by an insurance guarantee or if the documents of title specify the company to be used it may not be possible to accept your choice.
The initial sum insured will be the figure shown under the heading “Amount of Property Insurance” in the Details of Loan. This figure is the amount recommended by the Society’s value as his estimate of the replacement cost of the building at the date of valuation, unless some other amount has been agreed in writing between you and the Society. No warranty is given or implied that the amount of insurance will cover complete loss.
You are reminded that the market value of your property bears no relationship to the cost of replacement. The amount for which the property is insured should therefore not be less than the cost, at the time of repair or replacement, of rebuilding all the property covered in the same materials, surveyors’ and legal fees which may be payable, and any cost may be subjected in complying with the requirements of the Local Authority and in removing debris, etc.. The term “property” includes domestic outbuilding, garages, walls, landlords’ fixtures and fittings, etc., but excludes the value of the land.
The market value of a house is therefore likely to be less than the cost of rebuilding, especially if the property is elderly. Even if the property is recently built, the work involved in reinstatement will be more expensive than the building cost which can be achieved by a builder building on an estate basis.
81. The passage appears to be from ______.
82. The tone of this passage could best be described as ______.
83. According to the passage, if the customer suggests an insurance company which no business with the Society ______.
84. The passage states that when you insure your property ______.
85. The passage implies that rebuilding a property costs more than its market value ______.
问题1选项
A.a novel
B.an information booklet
C.a newspaper article
D.a formal speech
问题2选项
A.academic
B.formal
C.light-hearted
D.subjective
问题3选项
A.it is impossible to change that company later on
B.the Building Society will not provide a loan
C.the Building Society will not accept responsibility for the policy
D.the Building Society may advise you to change another one
问题4选项
A.you should not take the land values into account
B.you should use the market value as a guide
C.you should take the advice of your Local Authority immediately
D.garage and garden sheds are not usually included
问题5选项
A.only if the property is old
B.particularly if the property is new
C.whatever the age of the property
D.because of rising building costs
第1题:B
第2题:B
第3题:D
第4题:A
第5题:C
第1题:
【选项释义】
The passage appears to be from ______. 这篇文章似乎来自______。
A. a novel A. 一本小说
B. an information booklet B. 一本信息手册
C. a newspaper article C. 一篇报纸文章
D. a formal speech D. 一篇正式的演讲
【考查点】推理判断题。
【解题思路】这篇文章主要阐述的是建房协会关于房产保险方面的一些解释和规定，第一段阐述能够投保的保险公司，如第一句Insurance in respect of the property will be carried out by the Society in accordance with the rules and the mortgage conditions with such insurance companies as the Society may determine（本协会将根据规则和抵押条件，与本协会确定的保险公司进行房产保险），第二段解释初始投保金额，如第一句The initial sum insured will be the figure shown under the heading “Amount of Property Insurance” in the Details of Loan（初始投保金额将于贷款详情“房产保险金额”项下显示），最后两段阐明房屋市场价值和重建成本的关系。综上所述，这篇文章更像是一份和建房协会投保事宜的合同或者是信息册，因此B选项“一本信息手册”正确。
【干扰项排除】
A、C、D选项均未在文中体现，属于无中生有。
第2题:
【选项释义】
The tone of this passage could best be described as ______. 这篇文章的基调可以用______来描述。
A. academic A. 学术的
B. formal B. 正式的
C. light-hearted C. 轻松的
D. subjective D. 主观的
【考查点】推理判断题。
【解题思路】通读全文可知，整篇文章用了比较严谨的词语来进行阐述，而且没有表达出任何的主观情感，故排除C、D选项；另外，本文阐述的是房产保险的一些事宜，所以并不是学术性的文章，故排除A选项；因此B选项“正式的”正确。
【干扰项排除】
A、C、D选项均未在文中体现，属于无中生有。
第3题:
【选项释义】
According to the passage, if the customer suggests an insurance company which no business with the Society ______. 根据文章，如果客户建议的保险公司与建房协会没有业务，______。
A. it is impossible to change that company later on A. 以后更换那个公司是不可能的
B. the Building Society will not provide a loan B. 建房协会将不会提供贷款
C. the Building Society will not accept responsibility for the policy C. 建房协会将不会承担该政策的责任
D. the Building Society may advise you to change another one D. 建房协会或许会可能会建议你换另一个
【考查点】推理判断题。
【解题思路】根据题干关键词suggest定位文章首段第四句If you should suggest a company and it is not one with which the Society does business you will be informed and offered a choice of other companies（如果你建议了一家公司，但该公司并不是协会的合作伙伴，你会被告知并被提供其他公司的选择）可知，如果客户建议的保险公司与协会没有业务，那么客户将被告知提供其他公司，因此D选项“建房协会或许会可能会建议你换另一个”正确。
【干扰项排除】
A选项“以后更换那个公司是不可能的”与文章首段中“你会被告知并被提供其他公司的选择”表述不符，说明是可以更换的，属于曲解原文；
B、C选项均未在文中体现，属于无中生有。
第4题:
【选项释义】
The passage states that when you insure your property ______. 这篇文章说，当你为你的房产投保，______。
A. you should not take the land values into account A. 你不应该把土地价值考虑进去
B. you should use the market value as a guide B. 你应该以市场价值作为指导
C. you should take the advice of your Local Authority immediately C. 你应该立即听取地方当局的建议
D. garage and garden sheds are not usually included D. 车库和花园棚子通常不包括在内
【考查点】推理判断题。
【解题思路】根据文章第三段全文You are reminded that the market value of your property bears no relationship to the cost of replacement. The amount for which the property is insured should therefore not be less than the cost, at the time of repair or replacement, of rebuilding all the property covered in the same materials, surveyors’ and legal fees which may be payable, and any cost may be subjected in complying with the requirements of the Local Authority and in removing debris, etc. The term “property” includes domestic outbuilding, garages, walls, landlords’ fixtures and fittings, etc., but excludes the value of the land（请注意，你的房产的市场价值与重置成本无关。房产保险的金额应不低于成本，在修复或更换、重建所有相同材料的财产时，可能支付测量师和法律费用，以及在遵守地方当局的要求和清除建筑残骸等方面的任何费用。“房产”一词包括住宅外屋、车库、墙壁、业主的固定装置和设备等，但不包括土地的价值），可知，房产的市场价值和重置成本无关，在重建时，其中一些费用需要自行支付，而且房产保险中的房产不包括土地价值，因此A选项“你不应该把土地价值考虑进去”正确。
【干扰项排除】
B选项“你应该以市场价值作为指导”与文章第三段中“你的房产的市场价值与重置成本无关”表述不符，属于曲解原文；
C选项“你应该立即听取地方当局的建议”未在文中体现，属于无中生有；
D选项“车库和花园棚子通常不包括在内”中的“车库”是包括在内的，属于曲解原文。
第5题:
【选项释义】
The passage implies that rebuilding a property costs more than its market value ______. 这篇文章暗示，重建一处房产的成本高于其市场价值，______。
A. only if the property is old A. 只有当房产是旧的
B. particularly if the property is new B. 尤其是如果该房产是新的
C. whatever the age of the property C. 无论房产的年代如何
D. because of rising building costs D. 由于建筑成本上升
【考查点】推理判断题。
【解题思路】根据文章尾段The market value of a house is therefore likely to be less than the cost of rebuilding, especially if the property is elderly. Even if the property is recently built, the work involved in reinstatement will be more expensive than the building cost which can be achieved by a builder building on an estate basis（因此，房屋的市场价值很可能低于重建成本，特别是如果该房产是旧的。即使该房产是最近建造的，涉及修复的工作将比建筑商在房地产基础上建造房屋所能获得的建筑成本更昂贵）可知，房产无论是旧的还是新建造的，重建成本都会高，所以无论房产年代如何，重建成本都会高于其市场价值，因此C选项“无论房产的年代如何”正确。
【干扰项排除】
A、B选项均与文章尾段中“特别是如果该房产是旧的”表述不符，属于曲解原文；
D选项“由于建筑成本上升”在文章尾段中有所体现，但与题干无关，属于答非所问。
