APIEVocabulary & Pronunciation: Risk and Insurance
Risk, insurance and disaster planning
Answers and an explanation for each question appear once you add this activity to your own library.
How to use this lesson
👨🏫 For the Teacher
Guide students through the key vocabulary table before moving to interactive practice, allowing roughly 20 minutes for the full module. Answers are validated automatically upon submission, giving instant feedback for class discussion.
🎓 For the Learner
Study the 10 target words, collocations, and memory tricks in the word table first. Next, complete the practice exercises and record your speech in the shadowing section to build fluency.
Target Sentence Pattern
"In the event of a flood, uninsured families stand to lose everything they own."
Word Table
Master these 10 C1 vocabulary terms across three core themes of disaster planning and risk management.
1. Insurance
| Word | Meaning | Common Collocations | Word Forms | Example Sentence | Memory Tip |
|---|---|---|---|---|---|
| premium | Amount paid periodically for an insurance policy | pay a premium, high premium | – | "Their insurance premium rose sharply after the storm." | Think of "prime": you pay extra for top protection. |
| coverage | The scope of protection provided by an insurance policy | comprehensive coverage, extend coverage | cover (v, n) | "Their policy provides full coverage for severe flood damage." | Picture a protective blanket covering all your assets. |
| uninsured | Not covered by an insurance policy | uninsured driver, remain uninsured | insure (v), insurance (n) | "Driving an uninsured vehicle carries heavy financial penalties." | Prefix "un-" (not) + insured = without insurance. |
| exposure | State of being vulnerable to financial loss or harm | reduce exposure, financial exposure | expose (v) | "Coastal properties have high exposure to hurricane damage." | Think of leaving something exposed in harsh weather. |
2. Getting Ready
| Word | Meaning | Common Collocations | Word Forms | Example Sentence | Memory Tip |
|---|---|---|---|---|---|
| contingency | A future event or situation that is possible but cannot be predicted | contingency plan, prepare for contingencies | – | "Every disaster strategy requires a clear contingency plan." | Plan to "continue" no matter what happens. |
| precaution | An action taken in advance to prevent something dangerous | take precautions, safety precaution | precautionary (adj) | "They took the precaution of stocking emergency supplies." | "Pre" (before) + "caution" (care) = care taken before. |
| evacuation | The urgent removal of people from a dangerous place | order an evacuation, emergency evacuation | evacuate (v) | "Authorities ordered an immediate evacuation of the island." | "Evacuate" sounds like "vacate": making a place empty. |
3. Weak and Strong
| Word | Meaning | Common Collocations | Word Forms | Example Sentence | Memory Tip |
|---|---|---|---|---|---|
| vulnerable | Exposed to the possibility of being attacked or harmed | highly vulnerable, vulnerable population | vulnerability (n) | "Older structures are particularly vulnerable to earthquakes." | Latin "vulnerare" (to wound): easily wounded or hurt. |
| resilient | Able to withstand or recover quickly from difficult conditions | resilient economy, remain resilient | resilience (n) | "The coastal community proved remarkably resilient after the storm." | Picture a soft spring bouncing back into shape. |
| mitigate | To make something less severe, harmful, or painful | mitigate risk, mitigate damage | mitigation (n) | "Sea walls help mitigate the impact of rising sea levels." | Sounds like "mild gate": making the threat milder. |
Practice
Complete the 16 interactive practice tasks below ranging from collocations to word-formation.
Part A: Collocation Matrix
Match each action verb on the left to the correct noun on the right.
1. Select the correct noun that pairs with the verb:
2. Select the correct noun that pairs with the verb phrase:
3. Select the correct noun that pairs with the verb phrase:
4. Select the correct noun that pairs with the verb:
Part B: Dialogue Gap-Fills
Complete the dialogues using words from the bank below.
Item 5:
Speaker A: "Does our standard insurance policy include storm damage?"
Speaker B: "Yes, we upgraded last month to ensure complete insurance ____."
Item 6:
Speaker A: "What happens if the main emergency shelter loses electrical power?"
Speaker B: "We have established a clear ____ plan to switch over to backup generators immediately."
Item 7:
Speaker A: "Why are coastal planners constructing artificial sea reefs?"
Speaker B: "To reduce the city's direct ____ to tidal surges."
Item 8:
Speaker A: "How did the local community recover so quickly after the wildfire?"
Speaker B: "The residents were remarkably ____ and managed to rebuild within six months."
Part C: Choose the Word
Select the single vocabulary term that correctly completes the sentence meaning.
9. Residents were strongly advised to take every safety ___ before the severe storm made landfall.
10. Living in a high-risk flood area without protection leaves homeowners completely ___.
11. The regional government released action plans to ___ the economic impact of severe drought.
12. Older, unreinforced infrastructure remains highly ___ to powerful seismic shocks.
Part D: Word-Formation
Complete the sentence using the correct derivative form of the word in brackets.
13. Emergency response teams carried out a rapid, full-scale ____ [evacuate] of the downtown area.
14. The city council adopted several key ____ [precaution] measures prior to the hurricane.
15. Investing in robust infrastructure increases a city's overall long-term ____ [resilient] against shock events.
16. Effective risk management plays a vital role in the ____ [mitigate] of heavy structural damage.
Shadowing
Listen to each item, repeat aloud, and record your voice to refine your pronunciation and natural C1 phrasing.
[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____[Bài tập luyện nói]
____Related lessons
Class activity: Coast Council Risk Register (A Collaborative Grammar Game)
Risk, insurance and disaster planning
Speaking · 20 min
Language of Risk and Probability
Risk, insurance and disaster planning
Grammar · 12 min
IELTS Speaking: Risk, Insurance & Disaster Planning
Risk, insurance and disaster planning
Speaking · 30 min
IELTS Academic Writing: Risk, Insurance and Disaster Planning
Risk, insurance and disaster planning
Writing · 40 min
C1 Agreeing, Disagreeing and Softening
Culture & entertainment
Vocabulary · 12 min
C1 Food and Dining Idioms
Food & drink
Vocabulary · 12 min