Student: Good morning. Is that Copewellwell insurance? Id like to ask you a few questions about getting insurance.
Salesman: Certainly. What kind of insurance are you looking for?
Student: Well, Im a student and I needcomprehensivecover-you know, against theft, damage, legal problems
Salesman: I see. Students are unfortunatelyattractivetargets for thieves. Student accommodation is a particulartargetbecause it often contains several highly portable andvaluableitems such as laptops. We offer cover speciallydesignedfor the needs of students, covering students in several key areas.
Student: Oh, that sounds like its exactly what I need. Please tell me more.
Salesman: Well, the first area we cover is roomcontents. We provide insurance cover for your belongings on a new for old basis, including desktop computers, against theft, burst pipes, fire,vandalism, storm and flood.
Student: Does that also cover me if I live in university accommodation?
Salesman: Yes, it does. It also covers any shared areas in your accommodation and anything you leave in lockedstorageon campus at any time.
Student: Is there a limit on claims of this nature?
Salesman: Yes, there is. Individual items are limited totwo thousand poundsper claim and the following items are limited to600 poundsper group per claim: valuables, musicalinstrumentsand any data storage devices apart from computers, such as CDs. DVDs,cassettesand computer games. Clothes are limited to a maximum oftwo hundred and fifty pounds. However, cover for items above these amounts is available for an additionalpremium.
Student: I see. And how about accidental damage?
Salesman: We cover contents againstaccidentaldamage occurring while they are in your rooms and we coverreplacementkeys and locks, up to £150, if you lose your keys.
Student: Does this cover items that I leave in my accommodation during holidays?
Salesman: Yes, it does, but the limit is lower-up tothree thousand poundsin total-and there is only cover for up to 35 days. That is if the rooms areunoccupiedcontinuously for 35 days.
Student: I understand. Am I also covered against theftwhilsttravelling?
Salesman: Yes, you are. I should also point out that your mobile phone is fullycoveredand the insurance covers any airtime abuse by the thief up to150 pounds.
Student: Great. What about legal and health problems?
Salesman: Your legalexpensesare covered up tofifty thousand poundsfor defending claims against you, for claiming against other people fordamageor injuiy they cause you, and tenancydisputes. The last one is particularly useful for students. Course fees you have paid or areliableto pay in the academic year up tofive thousand poundsin total are also covered, if as a result of yourillness, death or accident you have to leave your course early, or if a parent on whom you rely for financial support suffers illness orredundancy.
Student: Thats sounds very comprehensive indeed. Does thespecialintroductory rate still apply? It savs here that its valid until the end of June.
Salesman: Yes, its still valid. There have been no changes in the terms of the offer. Can I just mention that the followingextracover is automatically included free of charge in all ourpolicies-our 24 hour helpline, providing advice andcounselingon health, drugs, debt, housing, legal andwelfarematters; cover for your personal legalliabilityof up toa; loss or damage to property on loan to you, up to500; loss or damage to your landlords property, up to5,000; credit card theft, up to £500; injury and damage topossessionsby mugging or assault, up to £5000; and accidental death of a parent orguardian 5,000 pounds, £5000.
Student: Thats exactly what Im looking for-a fully comprehensivepackage. Ill come to your office this afternoon. Should I come to see you personally, or?
Salesman: You can ask for me. My name isstephens.
Student: Right. My name is Shipton, Annie Shipton.
Salesman: OK Ill see you this afternoon. We normally close the office at 5 but Ill be here until 6 today.
Student: Thank you. I should make it before then. Goodbye.
Salesman: Goodbye.