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Student: Good morning. Is that Copewell Insurance? I’d like to ask you a few questions about getting insurance.
Salesman: Certainly. What kind of insurance are you looking for?
Student: Well, I’m a student and I need comprehensive cover—you know, against theft, damage, legal problems ...
Salesman: I see. Students are unfortunately attractive targets for thieves. Student accommodation is a particular target because it often contains several highly portable and valuable items such as laptops. We offer cover specially designed for the needs of students, covering students in several key areas.
Student: Oh, that sounds like it’s exactly what I need. Please tell me more.
Salesman: Well, the first area we cover is room contents. 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 locked storage on campus at any time.
Student: Is there a limit on claims of this nature?
Salesman: Yes, there is. Individual items are limited to ￡2000 per claim and the following items are limited to ￡600 per group per claim: valuables, musical instruments and any data storage devices apart from computers, such as CDs, DVDs, cassettes and computer games. Clothes are limited to a maximum of ￡250. However, cover for items above these amounts is available for an additional premium.
Student: I see. And how about accidental damage?
Salesman: We cover contents against accidental damage occurring while they are in your rooms and we cover replacement keys 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 to ￡3000 in total—and there is only cover for up to 35 days. That is if the rooms are unoccupied continuously for 35 days.
Student: I understand. Am I also covered against theft whilst travelling?
Salesman: Yes, you are. I should also point out that your mobile phone is fully covered and the insurance covers any airtime abuse by the thief up to ￡150.
Student: Great. What about legal and health problems?
Salesman: Your legal expenses are covered up to ￡50000 for defending claims against you, for claiming against other people for damage or injury they cause you, and tenancy disputes. The last one is particularly useful for students. Course fees you have paid or are liable to pay in the academic year up to ￡5000 in total are also covered, if as a result of your illness, death or accident you have to leave your course early, or if a parent on whom you rely for financial support suffers illness or redundancy.
Student: That’s sounds very comprehensive indeed. Does the special introductory rate still apply? It says here that it’s valid until the end of June.
Salesman: Yes, it’s still valid. There have been no changes in the terms of the offer. Can I just mention that the following extra cover is automatically included free of charge in all our policies—our 24 hour help line, providing advice and counselling on health, drugs, debt, housing, legal and welfare matters; cover for your personal legal liability of up to ￡1000000; loss or damage to property on loan to you, up to ￡500; loss or damage to your landlord’s property, up to ￡5000; credit card theft, up to ￡500; injury arid damage to possessions by mugging or assault, up to￡5000; and accidental death of a parent or guardian—￡5000.
Student: That’s exactly what I’m looking for—a fully comprehensive package. I’ll come to your office this afternoon. Should I come to see you personally, or ...?
Salesman: You can ask for me. My name is Stevens.
Student: Right. My name is Shipton, Annie Shipton.
Salesman: OK. I’ll see you this afternoon. We normally close the office at 5, but I’ll be here until 6 today.
Student: Thank you. I should make it before then. Goodbye.
Salesman: Goodbye.