Language points

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1.背熟：Needless to say, the bigger the risk an insurance company takes, the higher the premium you will have to pay.新概念英语第三册课文

结构分析: Needless to say(插入语), the bigger(定) the risk(宾) an insurance company (主)takes(谓), the higher(定) the premium (宾)you(主) will have to pay(谓).

短语：take the risk 冒险，承担风险

句型：the +比较级，the +比较级......

2.背熟：It is not uncommon to hear that a ship ping company has made a claim for the cost of salvaging a sunken ship.

短语：make a claim 提出索赔要求

结构分析:双重否定：

1，Not + 否定 形容词 :  Is not unreasonable

2，not + without        I can't live without you

3, no + not/ no + no    There is no cat that doesn't like fish

                         There is nothing he can't do.

There is no rule that has no exception / that doesn't have exception.