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Les devis instanes d’assurance automobile peuvent etre gratuits

Soumissions d’assurance auto instantanées. Dans cet article, je couvre tout ce que vous devez savoir sur l’assurance.

ASSURANCE VOITURE instantanée Devis

Soumissions d’assurance auto instantanées. Le coût annuel de votre police d’assurance automobile est influencé par de nombreux facteurs. Une police avec une prime très faible peut ne pas offrir toute la couverture dont vous avez besoin. Une politique avec une prime très élevée peut être bourrée d’extras dont vous n’avez pas besoin. Comprendre quelques termes de base de l’assurance automobile peut vous aider à décider quels types d’assurance automobile sont les mieux adaptés à vos besoins particuliers.

Usage

La façon dont vous utilisez votre voiture peut avoir un impact important sur la prime que vous payez. Certaines entreprises offrent des rabais importants aux propriétaires de voitures qui ne se déplacent pas quotidiennement. Assurez-vous d’informer votre assureur si vous utilisez les transports en commun pour vous rendre au travail ou faire du covoiturage. Si vous conduisez un nombre considérable de kilomètres pour le travail ou le plaisir, votre prime peut être plus élevée.

Conducteur principal

Le conducteur principal est la personne qui a le contrôle de la voiture la majorité du temps. Certaines tranches d’ge ont moins d’accidents. Avoir un enfant ou un autre conducteur de moins de 25 ans comme conducteur principal d’une voiture augmentera généralement considérablement les primes sur cette voiture. Les conducteurs de plus de 75 ans peuvent également avoir des primes plus élevées. Si le conducteur principal a plusieurs infractions ou accidents, la prime reflétera ces événements. Essayez d’inscrire comme conducteur principal une personne appartenant au groupe d’ge le plus exempt d’accidents et ayant le meilleur dossier de conduite.

Déductible

La franchise est le montant que vous paierez pour les frais d’un accident. Les franchises sont par accident. Si vous avez une franchise de 1 000 $ et que vous avez deux accidents dans l’année, vous paierez une franchise de 1 000 $ pour chaque accident. Si votre véhicule est totalisé, le paiement que vous recevrez sera moins votre franchise.

Couverture des collisions

La couverture collision est l’assurance d’une voiture lorsqu’elle heurte ou est heurtée par une autre voiture. Ceci est considéré comme une couverture minimale et est requis par la plupart des États.

Assurance responsabilité civile

L’assurance responsabilité civile est une autre partie de la couverture d’assurance minimale requise par la plupart des États. L’assurance responsabilité fait référence à la couverture des dommages que vous avez causés et dont vous pouvez être légalement responsable.

Couverture conducteur non assuré

Certaines polices couvrent les dommages causés à l’automobile de l’assuré si l’autre conducteur n’a pas d’assurance ou si l’autre conducteur n’est pas identifié en raison d’un accident avec délit de fuite. Une couverture de ce type peut comporter de nombreuses restrictions, lisez-la attentivement.

Veuillez obtenir autant de devis d’assurance que possible pour comparer les services et les prix. Ce faisant, vous en apprendrez plus sur le processus et l’industrie de l’assurance.

Si vous trouvez de la valeur dans cet article, si vous l’aimez, partagez-le avec vos amis et donnez-moi un commentaire ! Merci pour la lecture…

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Insurance: Everything You Need to Know

Hi, I’m Malik, in this article, I will be covering the following topics, what is the meaning of insurance, types of insurance, principles of insurance, the difference between life insurance and general insurance, types of life insurance, and types of general insurance.

insurance everything you need to know

What is the meaning of Insurance

An arrangement by which a company or the state undertakes to provide a guarantee of compensation for speech weight loss damage illness or death in return for payment of a specified premium.

Different Types of Insurance

Now let’s see which are the different types of insurance there are two types of insurance first is life insurance and the other is general insurance or non-life insurance.

Difference Between Life Insurance and General Insurance

Now the difference between life insurance and general insurance life insurance is an insurance contract with covers the life risk of the person insured whereas general insurance is anything that is not covered under life insurance like motor house health etc…

They are general insurance life insurance is a form of investment whereas general insurance is only a contract of indemnity life insurance is for short or long term whereas general insurance is the short term for say for two months one year or three years in life insurance premium has to be paid over the year however in general insurance premium has to be paid on lump sum a life insurance amount is paid either on the occurrence on of the event or on maturity whereas in the journal insurance losses reimbursed or liability will be repaid on the occurrence of uncertain events in life insurance must be present the insurable interest must be present at the time of contract whereas in general insurance the interest must be present at the time of her contract as well as at the time of loss and the last day’s policy value life insurance it can be done for any value based on the premium policy whereas into general insurance the amount payable under the life inch under the insurance contract is to the actual the loss suffered so the maximum amount you get is the loss happened.

Principle of Insurance

Now we’ll see the principles of insurance first principle is,

  1. Principle of Utmost Good Faith : according to this principle, the insurance contract must be signed by both parties that are an insurer and insured in an absolute good faith or belief or trust they should not hide anything from each other then the second principle is,
  2. Principle of Insurable Interest : the principle of insurable interest states that the person getting insured must have an insurable interest in the object of insurance which means you cannot get the insurance policy for the neighbor’s car or for the neighbor’s kid you shall have the insurable interest in the property or the person where you are invested taking the insurance plan the third insurance principle is,
  3. Principle of Indemnity : according to the principle of indemnity, an insurance contract is signed only to get protection against unpredicted financial losses arising due to future uncertainties which means that the role of the insurer is to provide the goods for the loss that happened the next number four is,
  4. Principle of Contribution : it applies to all contracts of indemnity if the insured has taken out more than one policy on the same subject matter according to this principle the insured can claim the compensation only to the extent of actual loss either from all insurers or from anyone insurer if one insurer pays full compensation then that insurer can claim protection proportionate claim from other insurers so if your car has 100,000 rupees of principle indemnity then you can take maximum up to that amount the next principle is,
  5. Principle of Subrogation : according to the principle of subrogation when the insured is compensated for the losses due to damage to thee to his insured property then the ownership rights of such property shifts you to the insurer principle number six is,
  6. Principle of Loss Minimization : according to the principle of loss minimization insured must always try his best to minimize the loss of his insured property in case of certain events like a fire breakout or blast etcetera you shall call the insured person shall call the police or the fire brigade and he should put all his efforts to minimize the loss to the product or the property and the next and the last principle is,
  7. Principle of Cosa Proxima : or nearest cause proximate cause is concerned with how the loss or damage of the actual print happened to the insured party and whether it is a result of an insured peril it looks for what is the reason behind the loss is that he is an insured peril or not.

Types of Life Insurance

Now types of life insurance first are,

  • Term Insurance : it is the pure insurance form it pays your nominee it is the sum insured in case of your demise within the policy term it does not have any sum assured or the maturity amount premium is very low.
  • Endowment Plan : second is the endowment plan these plans are insurance and investment plan a certain portion of the premium is paid for the protection of the life and the rest amount is invested in low risk that is so that at the time of maturity the insured person gets a predefined amount.
  • Julie Unit Insurance : third is Julie unit licked insurance plans these are newly introduced plans a couple of decades ago they have launched you lives offer life protection, as well as the opportunity for capital appreciation by investing in various funds of varying degrees of risks just like endowment policy in your lives a certain portion of the premium cause in providing life cover they generally invest in the equity market, therefore, the return is not predefined it depends on the market return it has a certain lock-in period, say three years or five years up to that time you cannot withdraw the insurance.

Then we come to the general insurance.

  • Health Insurance : types of general insurance the first and the most important is health insurance a general health insurance plan is an indemnity plan that pays for hospitalization expenses up to the summit short while you can avail a standalone health policy family flow to plan to provide coverage to all the members of your family.
  • Motor Insurance : next is motor insurance, which covers your vehicle against accident damage theft vandalism, and so on the form of insurance comes in two forms comprehensive and third-party completes you cover 360 degrees of your car when a third party gives you protection from third party damages that happen to do to your vehicle.
  • Home Insurance : then the home insurance, home insurance policy protects your home and its belongings from the damage suffered due to man-made or natural disasters some home instances insurance policies also provide coverage for temporary living expenses in case you are leaving your rent due to your home undergoing the renovation.
  • Travel Insurance : then one other important insurance general insurance policy is the travel insurance policy a travel insurance policy see you against losses suffered due to loss of damage Begich delays in flights and trips cancellation when you are traveling abroad in some cases if you are hospitalized while traveling our travel insurance may also offer cashless hospitalization.

That’s all for today’s article… If you like this, please share with your friends, keep tuning with TechWine and Subscribe TechWine. Thank you for Reading. I’m Malik bye-bye for today and Have a Nice Day!

Why do insurance companies make money and how do they work? : <<Read Now>>.

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Why do insurance companies make money and how do they work?

Well some of us may think that there’s nothing more boring than attending an insurance conference on a wet Tuesday night in Boston. And we may well be right, but if we look back to see how the industry began, it isn’t as dull as it might first appear. From swashbuckling pirates to a ferocious fire that ravaged the world’s greatest city, insurance has had a colorful past. But how do those grey suits who sell insurance really make money, and how do the inner workings of one of the most complicated fiscal models really work? If these questions whet your curiosity, then stay tuned to today’s article of TechWine – Why do insurance companies make money and how do they work?

insurance_how_it_work

What is insurance?

Well, insurance is a financial vehicle that helps spread risk. By taking a risk from an individual, and spreading that risk around a community, the individual is able to go about their personal or business life without crumbling from financial ruin. In the simplest terms, let’s look at two people.

One is named Bob and the other Jim. Bob says to Jim, I’ll give you ten dollars, but if I lose my cell phone, you’ll have to buy me a new one. If Jim agrees, then that’s insurance right there.

Insurance companies make money because they evaluate the risk and decide whether it is worth the gamble. Jim believes that Bob probably won’t lose his phone and he’ll therefore be ten dollars

richer. If Jim finds 100 more people who are willing to give him 10 bucks each to cover their phones, he has 1,000 dollars. If one of those 100 people loses their phone and Jim pays 100 dollars as compensation, he still has 900 bucks.

Idea of Insurance

This insurance idea has been floating around since the ancient Chinese and the Babylonians

spread their shipping risks. But it wasn’t until around the 17th century in London that modern insurance really took off. Merchant marine men and traders often hung out in coffee shops in the business district of London, and while drinking copious amounts of coffee, the idea of modern-day insurance was born. Lloyds of London, the heart of worldwide insurance, was developed inside one of these coffee houses, and here’s how it worked. First, you have the client. Say the client has a ship that he is nervous about losing to pirates offshore, or perhaps the vessel will be destroyed in bad weather.

The client approaches an insurance broker. The broker looks at the ship or pays someone to look at the ship, and they decide how much the total value of that ship is worth. The broker then assesses the risk. He asks the client where he is traveling and what cargo he will be carrying. With all this information, he draws up an insurance policy which he shows to the third person in the chain – the underwriter. For a cheaper premium, the underwriter may exclude a few risks. And for a few more bucks, he may include some extra risks.

Now there are normally lots of underwriters approached, but one will be the lead, and the lead underwriter, like Jim, will normally take the largest proportion of the risk and sign his name first on the policy document. He is known as the underwriter, as he writes his name under the risk on the insurance policy. The lead underwriter makes the major decisions when it comes to accepting the policy, and will be the main man to agree to any claims on the policy.

Once the terms of the policy are agreed to, it is made legal, the client is happy and the ship sets sail – but not before paying the insurance premium to the broker, who will take about 10%, and pass the rest on to the underwriter. But what should happen if pirates board the ship, steal the cargo, and burn it at sea?

Well, the client (if he is still alive, if not, a representative of the client) will speak to the insurance broker and the broker will visit with the lead underwriter and tell him the bad news.

The rest of the underwriters (there may well be as many as 20 on a big policy) are told the news and then the broker must negotiate the best claim settlement for the client or his or her representatives. The underwriters pay the money to the broker, who passes it on to the client, without deducting any cut.

The broker makes his money once the premium is paid, and will help negotiate the best claims for his clients through gentlemanly honor and the prospect of future business.

Now it may not be all bad news for the Underwriter. If he is wise and not greedy, he may have reinsured the policy. Reinsurance puts the underwriter in the position of the client. The underwriter sells the policy to another underwriter or firm of underwriters while retaining a share of the premium. Confused yet?

Think back to Jim and his phone insurance. If Jim resold his 10 dollar phone policy for 9 dollars, rather than the 10 he received, then he gets to keep a dollar each for each of his 100 clients, meaning he has 100 dollars completely risk-free.

Similarly, much of the modern-day insurance that flows through Lloyds of London is reinsured out of the building to smaller insurance companies all across the world. So what starts as a simple agreement between the client and the broker (or Jim and Bob) is spread across a business community who each stands to profit from the premium or take a cut of any losses. This is how insurance works – by the spreading of risk over communities. So that is how maritime insurance was born. It was developed through the need of ship-owners to carry on in business should they lose everything whilst at sea.

But what about property insurance?

Well around the same time, 1666, the great fire of London devastated the city where modern-day insurance was born, and famous architect Sir Christopher Wren, in his great London redevelopment project in 1667, made sure to include an insurance office in his new plan. Now property insurance is commonplace with most homeowners having a policy in place.

Also, medical, life, travel, car, and dental insurance are all commonly held policies.

Even pet insurance is a major insurance business nowadays. Over time the business model has evolved. Modern-day insurance companies are fiercely competitive, which is good for you, the client, as policies are priced at their lowest possible point. Companies now look to write as many policies as possible to create a financial pool.

They take the premium from thousands of policies and invest that money in another financial product. So the insurance underwriter may pay out more claims than they make in policy premiums. But they have invested all those premiums in a high-interest investment scheme, so they make their money outside of the original insurance product. Insurance in this example is a way of creating cash flow to be used in more lucrative investments.

And if you are wondering what other creative and lucrative ways there are to make more cash, keep tuning with TechWine.

So, what do you think? Do you have insurance to protect against the unexpected? Do insurance companies charge too much? Is it all just a scam? Let us know your thoughts in the comments!

Also, be sure to check out our other articles, and our YouTube Channel. Thanks for reading, and, as always, don’t forget to share. See you next time!

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