Table of Contents
BEST IELTS General Reading Test 520
IELTS GENERAL READING TEST 520 – PASSAGE – 2
IELTS GENERAL READING TEST – 520
READING PASSAGE – 2
What is car insurance?
Do I Really Need Car Insurance?
Car insurance is an agreement to pay an insurance company an annual premium that means they will pay for personal injury and property damage should you be in an accident. It can also mean that the insurance company will pay if your car is stolen, vandalised or destroyed by fire.
Excess
When you agree to your insurance policy, you will also agree to an excess. The excess is the amount of money you will have to pay before the insurance policy pays for the damages. It is usually between about £500 and £1,000. This only comes into effect in an accident when you are at fault, and if the other driver is at fault you do not have to pay it.
IELTS General Reading Test
Do I have to have insurance?
Car insurance at the basic level is compulsory. If you are found driving without insurance, you can be fined and have your car confiscated and destroyed. This law ensures that everybody is compensated for personal injury and property damage if the accident is not their fault.
Types of car insurance
Fully comprehensive is the insurance that most drivers have and it offers the highest level of protection. It is also the most expensive. It pays you if your car is stolen or vandalised and also, if you are involved in an accident. If the accident is your fault, personal injury and property damage are covered for all drivers, passengers and pedestrians.
IELTS General Reading Test
Third party, fire and theft pays for other people’s injuries and damaged property in an accident, but it will not pay for damage to your vehicle. It will also pay if your car is stolen or damaged by fire. This type of insurance has lower premiums and people often have it if their car does not have much value.
Third party is the lowest level insurance you are legally permitted to have. It only covers personal injury and property damage for others. It is suitable for people who don’t drive very often or for people who have limited budgets and who are willing to take the risk.
IELTS General Reading Test
Questions 15-21
Choose NO MORE THAN TWO WORDS from the text for each answer.
15. If a person pays an ………………… to an insurance company, it pays for accident costs.
16. An excess is the extra amount you have to pay for the cost of the ………………… .
17. If the accident is not your ………………… you do not have to pay the excess.
18. By law, you must have a ………………… of car insurance.
19. Fully comprehensive insurance is ………………… because it offers high protection.
20. If you are covered for theft, it means you are paid if your car is ………………… .
21. It is a bigger………………… to only have third party insurance, but it is much cheaper.
IELTS General Reading Test
Read the text below and answer Questions 22-27.
TRAINING TO BE A LIFEGUARD
A A lifeguard supervises swimmers and protects those at risk of drowning or injury in the water. They rescue swimmers who are in danger and perform first aid if required. Do not think being a lifeguard will give you a paid reason to enjoy yourself at the beach. It is hard work that involves intensive physical training and long hours of concentration.
B A lifeguard has responsibility for many lives, and they need to be watching what is going on in the water at all times and be able to make quick decisions. They also have to do a lot of paperwork to record what happens each day.
IELTS General Reading Test
C To become a lifeguard at a beach or pool in the USA, you need to be certified. This certification can be studied through agencies that are registered to train lifeguards. The training program should include lessons on first aid, including CPR and the use of a defibrillator. Lifeguards need to undergo regular recertification throughout their careers to make sure they are using the most up-to-date practices. Of course, you also need to be a very strong swimmer.
D In the USA, being a lifeguard is a paid profession with lifeguards earning about $40,000 per year. However, most earn less than this because, except at heated swimming pools and in warm climate states like Florida, it is mainly seasonal work. Often lifeguards get extra qualifications to become swimming trainers so they can supplement their lifeguard income.
IELTS General Reading Test
E One of the benefits of being a lifeguard is that it ensures you stay fit. However, constant sun exposure does put lifeguards at risk for skin cancers, and preventive measures should be taken. Being a lifeguard is not restricted to young people, some lifeguards continue the job all their working lives, in some cases for fifty years! OW OWT MAHT FROM OM 2003
F If you decide to become a lifeguard in the years that you are at college, it is excellent material to add to your CV as it will show that you have held a position of responsibility. The skills you gain as a lifeguard by working in the community are highly regarded by future employers.
IELTS General Reading Test
Questions 22-27
The text has six sections, A-F.
Choose the correct heading for each paragraph, A-F, from the list of headings below.
Write the correct number, i-viii, in boxes 22-27 on your answer sheet.
22. Paragraph A
23. Paragraph B
24. Paragraph C
25. Paragraph D
26. Paragraph E
27. Paragraph F
IELTS General Reading Test
LIST OF HEADINGS
i. Good, but sometimes bad, for the body
ii. Bravery awards
iii. Necessary qualifications
iv. There are some limits for age
v. Constantly ready for anything
vi. Not always a steady job
vii. Tougher than you might think
viii. A professional advantage
IELTS General Reading Test
IELTS General Reading Test
ANSWERS
15. ANNUAL PREMIUM
16. DAMAGE
17. FAULT
18. BASIC LEVEL
19. EXPENSIVE
20. STOLEN
21. RISK
22. VII
23. V
24. III
25. VI
26. I
27. VIII
IELTS General Reading Test