Insurance Direct Reading Answers

May 22, 2025

Insurance Direct Reading Answers contains 7 questions, and it is a topic belonging to the assessment system of IELTS general reading test. Insurance Direct Reading Answers have to be answered within 10 minutes. In this IELTS reading section, there are questions like Do the statement agree with the passage? Also, Insurance Direct Reading Answers gives all the information about Insurance Direct’s services and coverage benefits. To practice reading papers like that, the candidates can refer to IELTS Reading Practice test.

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Topic:

Insurance Direct

When it comes to home insurance, choosing the right cover is vital. Whether it's your family home or a rental property, Insurance Direct can help you choose the level of cover that suits you best. We have a network of branches and agencies across the country, as well as two contact centres which are available 24/7. We have an A+ (Excellent) financial strength rating so you know you're in good hands!

Just some of the reasons to use Home Insurance Direct

• No claims bonus if you haven't made a claim in the last year

• Stolen keys? Put your mind at ease with our keys and locks replacement benefit

• We can cover your accommodation costs while your house is being repaired or rebuilt

Benefits

Replacement cover and temporary accommodation: Replacement insurance for your home up to the sum insured. Temporary accommodation cover is also provided - up to £15,000 for temporary accommodation expenses, or £25,000 with our additional Protector policy - feel at ease knowing that you'll have somewhere to live if you have to move out of your home while it's being repaired or rebuilt.

Keys and locks cover: Up to $1,000 cover, free of any excess, to replace keys, remote door openers and locks if yours are stolen or illegally duplicated - helping relieve any burglary worries.

One event - one excess: If we've already accepted a claim for damage to your home and you have to make another claim related to that same event then there will only be one excess payable. It will be the highest excess or excess refund that applies.

Property security cover: Up to $2,000 to temporarily secure your house while it's unoccupied following loss or damage - one less worry at a stressful time.

Liability cover: We will cover you for your legal liability as the owner of your house for claims made on you as a result of accidents at the house which cause property damage.

Landscape cover: Up to $2,500 to replace your lawn, flowers, hedges, trees or shrubs damaged by a house fire or a vehicle damaging your house.

No claims bonus: If you haven't made any claims with your previous insurer or with us for the last year, you'll receive a no claims bonus. And, if you don't make any claims during the next two years you'll qualify for an extra no claims bonus.

Boundary fences: We'll help repair any damage to your boundary fences up to $25,000. In the case of fence lines shared with neighbour, Insurance Direct will pay 50% of the cost. Swimming and spa pool pumps and motors We'll help repair or replace your swimming or spa pool pumps and motors up to their current value if they are damaged.

So call us now and give yourself peace of mind!

Questions 14 - 20

In boxes 14-20 on your answer sheet write

TRUE if the statement agrees with the information

FALSE if the statement contradicts the

NOT GIVEN if there is no information on this

14. You can speak to the company any time, day or night.

Answer: TRUE

Supporting statement: "…two contact centres which are available 24/7."

Keywords: contact centres, available 24/7

Keyword Location: Paragraph 1, Line 2

Explanation: The text clearly states that the contact centres operate 24/7, which means they are available day and night.

15. The maximum amount available to spend on short term accommodation is £15,000.

Answer: FALSE

Supporting statement: "…up to £15,000 for temporary accommodation expenses, or £25,000 with our additional Protector policy…"

Keywords: temporary accommodation, £15,000, £25,000

Keyword Location: Paragraph under Replacement cover and temporary accommodation

Explanation: £15,000 is the basic cover, but the maximum with the additional policy is £25,000, so the statement is incorrect.

16. Insurance Direct does not cover vehicles.

Answer: NOT GIVEN

Explanation: The passage talks about property and home insurance but does not mention anything about whether vehicle coverage is included or excluded.

17. There is no additional payment required for replacing keys.

Answer: TRUE

Supporting statement: "…Up to $1,000 cover, free of any excess, to replace keys…"

Keywords: keys, cover, free of any excess

Keyword Location: Paragraph under Keys and locks cover, Line 1

Explanation: The policy includes replacement of keys with no excess, meaning no additional payment is required.

18. You only need to pay one excess payment even if you are involved in a second accident.

Answer: TRUE

Supporting statement: "…then there will only be one excess payable. It will be the highest excess or excess refund that applies."

Keywords: one excess, second claim, one event

Keyword Location: Paragraph under One event – one excess

Explanation: If the second claim is from the same event, only one excess needs to be paid.

19. Non-claimants qualify for a discount after 12 months and again after 24 months.

Answer: TRUE

Supporting statement: "…you'll receive a no claims bonus. And, if you don't make any claims during the next two years you'll qualify for an extra no claims bonus."

Keywords: no claims bonus, after 1 year, after 2 years

Keyword Location: Paragraph under No claims bonus

Explanation: There are rewards for no claims after 12 and 24 months, confirming the statement.

20. Insurance Direct will cover all costs of communal fencing between properties.

Answer: FALSE

Supporting statement: "…Insurance Direct will pay 50% of the cost."

Keywords: boundary fences, shared, 50%

Keyword Location: Paragraph under Boundary fences, Final line

Explanation: Only half of the cost is covered for shared fences, not the full amount.

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