阅读理解 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.
单选题 The passage appears to be from a(n)______.
【正确答案】 B
【答案解析】推理判断题。本文详细介绍了财产保险的相关内容,文中多次出现的you,your说明这是一个特别针对读者的说明性文字。由此可见[B]“信息手册”符合所讲述内容,为答案。[A]项错误,就其内容来看,显然不是正式的演讲稿。由于文中提到了很多保险的细节,也不可能是广告,[C]错。文章的语气带有指导说明性质,所以[D]错误。
单选题 The tone of this passage could best be described as______.
【正确答案】 A
【答案解析】推理判断题。由36题分析可知,既然是信息说明手册,根据常识内容一般要求语言规范,说明性强。所以[A]项“正式的”能够准确形容原文的语气。
单选题 According to the passage, if the customer suggests an insurance company______.
【正确答案】 D
【答案解析】推理判断题。如果你推荐的保险公司与协会没有往来,协会可能为你提供其他公司,[D]项与原意相符。第一段中说….and offered a choice of other companies,[A]项与原文不符。[B]项文中未提及。根据第一段所说….and of the terms offered by their policies…可排除[C]项。
单选题 The passage states that when you insure your property______.
【正确答案】 C
【答案解析】事实细节题。根据文章第三段最后一句…but excludes the value of the land.可知[C]项与原文表达一致,为答案。由第三段第一句,排除[A]项。原文中说,The term“property”includes…garages,wall, landlords'' fixtures…可见[B]项表达与原文矛盾。文中提到complying with the requirements of the Local Authority. 并没有说从Local Authority 那里得到建议,故[D]错误。
单选题 The passage implies that rebuilding a property costs more than its market value______.
【正确答案】 B
【答案解析】事实细节题。原文中提到,房屋的市面价值会低于改建成本,尤其是旧的财物,即使是比较新的,也是如此,因此选[B]。原文最后一段指出,especially if the property is elderly,[A]与原文不符。根据原文, Even if the property is recently built 较新的财物也是如此,[D]项错误。[C]项文章没有提及。