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打电话给车险公司：报案，问清材料、免赔额和代步车

打电话给车险公司Hannah · 英国口音　Graham · 英国口音

点「看一看」，Hannah 和 Graham 就在这里把这一场演一遍；轮到你开口的 5 个地方会停下来，给你看要说的意思和三种说法。

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开口前 App 里的练习场景 · 财会最后更新：

AI角色、对话和声音都由 AI 生成，只用于练习。

这一场在哪里，发生了什么？

周一上午 10 点，曼彻斯特，你在家里给自己的车险公司理赔热线打电话

周六晚上你在超市停车场倒车时，右后门被另一辆车蹭了，对方留下车牌和电话后离开。今天你打给自己的车险公司 Northgate Motor Insurance 报案：专员 Hannah 按流程一项项问，中途主管 Graham 会接过电话，解释免赔额和代步车。

和谁对话？

Hannah
英国口音。理赔专员，说话快，按流程一项项问
Graham
英国口音。理赔组主管，耐心，负责解释免赔额和代步车

你要做到什么？

报保单号，说清事故时间、地点和车损；说明对方信息和照片，问还缺什么材料；问清 250 英镑免赔额要不要先付、能不能退回；问修车要多久、能不能有代步车；确认材料发到哪个邮箱，拿到理赔编号。

这一场轮到你开口 5 次：

  1. 报案
  2. 说材料
  3. 问免赔额
  4. 问修车
  5. 确认收尾

全文：这一场怎么说？

中英对照，不用注册。每一句都能点「听」，录音就是 App 里这一场的录音，只有角色的台词。轮到你的地方，写着你想说的意思、三种说法和值得记住的说法：能说清是短句，先保证对方听懂；自然是同事平时会说的；高密度更紧凑、信息更多。

Hannah

Good morning, Northgate Motor Insurance claims, Hannah speaking. Can I start with your policy number, and then tell me what's happened?

早上好，Northgate 车险理赔部，我是 Hannah。请先报一下保单号，再说说发生了什么？

听懂：claims 理赔（部门） · policy number 保单号

轮到你：报案

报保单号，说清周六晚上约 8 点在超市停车场被蹭了右后门。

你想说的意思：你好，我想报个事故。我的保单号是 MC 4471 902。周六晚上大概 8 点，在超市停车场，另一辆车蹭了我的右后门。

  • 能说清
    Hi, I want to report an accident. My policy number is MC 4471 902. A car hit my right back door on Saturday. It was about 8 p.m., in a supermarket car park.
  • 自然
    Hi, I'd like to report an accident. My policy number is MC 4471 902. On Saturday at around 8 p.m., another car scraped my rear right door in a supermarket car park.
  • 高密度
    Hi, I'd like to report an accident. My policy number is MC 4471 902. Another car scraped my rear right door in a supermarket car park on Saturday, around 8 p.m.
值得记住的说法中文
I'd like to report an accident我想报个事故打给保险公司的标准开头
My policy number is …我的保单号是……号码一组一组慢慢报
scraped my rear right door蹭了我的右后门scrape＝刮蹭；rear＝后面的
in a supermarket car park在超市停车场英式说 car park，美式说 parking lot
Hannah

Sorry to hear that. Right, did the other driver leave any details? And do you have any photos?

很遗憾听到这事。好，对方司机留下信息了吗？你有照片吗？

听懂：leave any details 留下（联系）信息

轮到你：说材料

说对方留了车牌和电话，你拍了 6 张照片，问还需要什么材料。

你想说的意思：对方留了车牌和电话，我拍了 6 张照片。你们还需要我提供什么吗？

  • 能说清
    Yes. The driver gave me the number plate and phone number. I took six photos. What else do you need?
  • 自然
    Yes, the other driver left their number plate and phone number, and I took six photos. What else do you need from me?
  • 高密度
    Yes, the other driver left their number plate and phone number, and I've got six photos of the damage. Is there anything else you need from me?
值得记住的说法中文
the other driver left their …对方司机留下了……
number plate车牌英式说法，美式说 license plate
photos of the damage车损照片
anything else you need from me还需要我提供别的吗比 What do you want 客气
Hannah

Okay. We'll need the photos, the other driver's details and a short written description of what happened, all within forty-eight hours.

好。我们需要照片、对方信息，还有一份简短的书面经过说明，都要在 48 小时内提交。

听懂：written description 书面说明 · within forty-eight hours 48 小时内

Hannah

Your policy has a two-hundred-and-fifty-pound excess. For money questions, I'll put you through to my manager. Bear with me.

你的保单有 250 英镑的免赔额。钱的问题我帮你转给我们主管。请稍等。

听懂：excess 免赔额（自己先承担的部分） · put you through to 把电话转给 · Bear with me 请稍等

Graham

Hello, Graham here, I manage the claims team. Hannah says you've got some questions about the excess?

你好，我是 Graham，理赔组主管。Hannah 说你对免赔额有些疑问？

听懂：manage the claims team 负责理赔组

轮到你：问免赔额

问 250 英镑免赔额是不是要自己先付，对方全责的话能不能退回。

你想说的意思：250 英镑的免赔额是要我自己先付吗？如果完全是对方的责任，这笔钱能退回来吗？

  • 能说清
    Do I pay the 250-pound excess first? If it's their fault, do I get it back?
  • 自然
    Do I have to pay the 250-pound excess myself first? And if it's fully their fault, can I get it back?
  • 高密度
    Do I have to pay the 250-pound excess up front? And if the other driver's found fully at fault, will I get it back?
值得记住的说法中文
Do I have to pay … up front?……要我先付吗up front＝预先、先付
the 250-pound excess250 英镑的免赔额英式保险说 excess，美式说 deductible
fully at fault负全责
get it back把钱拿回来
Graham

Yes, you pay the garage first. If the other insurer accepts full fault, we get it back for you. That can take weeks.

是的，先付给修车厂。如果对方的保险公司承认全责，我们会帮你把钱追回来。这可能要几周。

听懂：insurer 保险公司 · accepts full fault 承认负全责

Graham

Anything else on your mind while I've got you?

趁我在线，还有别的想问的吗？

听懂：while I've got you 趁我在线

轮到你：问修车

问修车大概要多久，修车期间能不能有代步车。

你想说的意思：修车大概要多久？修车期间我能有一辆代步车吗？

  • 能说清
    How long will the repair take? Can I have a courtesy car during the repair?
  • 自然
    Roughly how long will the repairs take? And can I get a courtesy car while my car's being fixed?
  • 高密度
    Roughly how long are the repairs likely to take? And am I entitled to a courtesy car while mine's in the garage?
值得记住的说法中文
Roughly how long …大概要多久……问时间先加 roughly，听起来不催人
a courtesy car代步车英国保险里的说法
am I entitled to …我有资格享受……吗问保单权益很常用
in the garage在修车厂里修
Graham

With one of our approved garages, repairs usually take five to seven working days.

在我们的指定修理厂修，一般要 5 到 7 个工作日。

听懂：approved garages 指定修理厂 · working days 工作日

Graham

One catch, though: you only get a courtesy car with our approved garages. I'll pass you back to Hannah.

不过有个条件：只有在我们指定修理厂修才有代步车。我把电话转回给 Hannah。

听懂：One catch, though 不过有个附加条件 · courtesy car 代步车 · pass you back to 把电话转回给

Hannah

Hi, Hannah again. Before I let you go, is there anything you'd like to check?

你好，又是我 Hannah。挂电话前，还有什么想确认的吗？

听懂：Before I let you go 挂电话之前

轮到你：确认收尾

确认 48 小时内把照片和对方信息发到哪个邮箱，并要一个理赔编号。

你想说的意思：确认一下，我会在 48 小时内把照片和对方信息发过去。发到哪个邮箱？能给我一个理赔编号吗？

  • 能说清
    Just to confirm, I'll send the photos and details within 48 hours. Which email do I use? What's my claim number?
  • 自然
    Just to confirm, I'll send the photos and the other driver's details within 48 hours. Which email should I send them to? And could I have a claim number?
  • 高密度
    Just to confirm, I'll send the photos and the other driver's details within 48 hours. Which email should I send them to, and could I get a claim number for reference?
值得记住的说法中文
Just to confirm, …确认一下……电话收尾时复述要点
within 48 hours48 小时内
Which email should I send them to?我该发到哪个邮箱
a claim number for reference一个理赔编号方便查询for reference＝备查
Hannah

I'm texting you our claims email address now. It's also on your policy documents. Your claim number is CLM 58213.

我现在把理赔邮箱地址短信发给你，保单文件上也有。你的理赔编号是 CLM 58213。

听懂：texting you 给你发短信 · policy documents 保单文件 · claim number 理赔编号

Hannah

Put that number in the email subject line, please. Someone will call you within two working days. Lovely, bye for now!

请把这个编号写在邮件标题里。两个工作日内会有人给你回电话。好的，再见！

听懂：subject line 邮件标题栏 · bye for now 先这样，再见

没听清、卡住时怎么接？

这一场准备的救场的话：没听清、一时想不起词，先用一句接住，再想内容。

英文中文
Sorry, could you say that a bit more slowly?抱歉，能说慢一点吗
Could you spell that for me, please?能帮我拼一下吗
Sorry, the line's not very clear. Could you repeat that?信号不太好，能再说一遍吗
Just a second, let me write that down.稍等，我记一下

在开口前练这一场

读过一遍，再开口说一遍：在开口前打开这一场，Hannah 和 Graham 用各自的口音说话，轮到你时停下来等你开口，不限时间；想不起来，提示先给首字母，再给英文说法，最后才给中文。

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还可以练哪些场景？

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内容来源
开口前 App 里的练习场景「打电话给车险公司：报案，问清材料、免赔额和代步车」：情境、角色、全文、三种说法和救场的话都是 App 里的原文，录音是 App 里这一场的录音。人名和情节是虚构的。
AI 的使用
角色、对话和声音都由 AI 生成。
更新记录
2026-11-01 更新。发现错误，写信到 hello@kaikouqian.com。

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