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Insurance in respect of the property will be carried out by the Society in accordance with the rules

更新时间:2026-05-30 20:57:26   栏目: 中华词典

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 the cover(保险) 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 mort- gage. 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, form, style and condition as when it is new. It should also include any architects’’, surveyors’’ and legal fees which may be payable, and any costs which 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 rein- statement (修复) will be more expensive than the building cost which can be achieved by a builder building on an estate basis. According to the passage, if the customer suggests an insurance company______. A. it is impossible to change that company later on B. the Society will provide a list of alternative companies C. the Society will not accept responsibility for the policy D. the Society may not be able to agree to the company

根据原文，当客户提议使用某家保险公司时，如果该保险公司不是协会已有业务往来的公司，协会会通知客户并提供其他可选保险公司的选择。因此，选项 B（协会将提供其他可替代保险公司的列表）是正确答案。

解析：

原文中明确提到：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.

这与选项 B 的内容相符。

其他选项不符合原文描述：

A 错，因为客户在抵押期间可以随时要求更换保险公司（You may request change of insurance company at any time during the life of the mortgage）。

C 错，原文未提及协会不对保单负责。

D 不准确，因为协会在客户提议保险公司时会根据公司及其条款是否可以接受来决定是否同意，并不一定“不能同意”，但原文强调了如果该公司不是协会的合作对象，会提供其他选择，因此更准确的对应是 B。

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